stockrowGuidewire Software, Inc.
GWRE Technology Software Application
Guidewire Software, Inc.’s revenue for fiscal 2026 (year ended July 2026) was $1.5 billion, up 22.7% from fiscal 2025.
- Revenue
- +15.3%
- EPS
- −38.7%
- Free cash flow
- +16.4%
- Total debt
- +0.52%
Quarter to July 2026, against a year earlier
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Guidewire Software, Inc. (GWRE) Altman Z-score
Guidewire Software, Inc.'s Altman Z-score for fiscal 2026 is 6.00, in the safe zone (above 2.99).
Altman Z-score, annual
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Annual newest first
| Period | Altman Z-score | Change (points) |
|---|---|---|
| FY2026 | 6.00 | (3.64) |
| FY2025 | 9.64 | 1.03 |
| FY2024 | 8.60 | 3.35 |
| FY2023 | 5.25 | 0.10 |
| FY2022 | 5.16 | (2.95) |
| FY2021 | 8.11 | (1.09) |
| FY2020 | 9.20 | (0.28) |
| FY2019 | 9.48 | 1.42 |
| FY2018 | 8.07 | (9.96) |
| FY2017 | 18.02 | (3.43) |
How fiscal 2026’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Working capital / total assets | 0.20 | — | 0.24 | |
| Retained earnings / total assets | (0.40) | — | −0.56 | |
| EBIT / total assets | 0.06 | — | 0.19 | |
| Market value of equity / total liabilities | 9.25 | — | 5.55 | |
| Sales / total assets | 0.57 | — | 0.57 | |
| Altman Z-score | Safe zone | 6.00 | ||
| Z″ Variant for non-manufacturing and asset-light companies (drops the sales/assets term, uses book equity) | Grey zone | 1.33 | ||
Z and Z″ put Guidewire Software, Inc. in different zones: safe zone by Z, grey zone by Z″.
How the Altman Z-score works
Z = 1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets (Altman, 1968). The market value of equity is the close on the last trading day of the fiscal year times weighted basic shares.
Z″ = 6.56 × working capital ÷ total assets + 3.26 × retained earnings ÷ total assets + 6.72 × EBIT ÷ total assets + 1.05 × book equity ÷ total liabilities (Altman, Hartzell and Peck, 1995), the variant for non-manufacturing and asset-light companies.
| Zone | Z | Z″ |
|---|---|---|
| Safe zone | above 2.99 | above 2.60 |
| Grey zone | 1.81–2.99 | 1.10–2.60 |
| Distress zone | below 1.81 | below 1.10 |
Not worked out for banks, insurers and REITs, whose balance sheets the model does not describe, nor when a figure is missing or there is no share price in the week to the fiscal year end.
Altman Z-score against peers
| Company | Altman Z-score |
|---|---|
| MANH Manhattan Associates, Inc. compare | 15.1× |
| FICO Fair Isaac Corporation compare | 12.0× |
| TYL Tyler Technologies, Inc. compare | 7.2× |
| GWRE Guidewire Software, Inc. | 6.0× |
| DT Dynatrace, Inc. compare | 4.6× |
| BSY Bentley Systems, Incorporated compare | 3.6× |
| DOCU Docusign Inc. compare | 3.0× |
| PAYC Paycom Software, Inc. compare | 1.9× |
| GRAB Grab Holdings Limited compare | 0.9× |
What Altman Z-score is
The Altman Z-Score weighs working capital, retained earnings, operating profit, market value and sales against assets and debts to gauge the risk of distress.
1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets
More on GWRE
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- EV/EBITDA
- EV/Sales
- EV/FCF
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- Beneish M-score
- The full statement