Guidewire 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. In the quarter to July 2026, revenue grew 15.3%, EPS fell 38.7%, free cash flow grew 16.4% and total debt was flat, each against the same quarter a year earlier. Revenue growth for ten consecutive years, operating cash flow growth for three.

168.86 6.91 −3.93%
Market cap
$14.4B
P/E
102×
Fwd P/E
64.1×
Dividend yield
—
F-score
7/9
Altman Z
6.00
Beneish M
−2.70
Dividend safety
n/a

Insider Decisions trades per month

Total sells 51.84
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 6 11 4 4 11 4 4 10 5 8 8 3
Insider Ownership 3.45%

Capital & Financial Ratios $m

Market Cap 14,410.00
Revenue 1,475.36
Net Income 139.28
Free Cash Flow 358.66
Net Debt (74.97)
Current Ratio 1.79 (at or above 1.5: strong)
Debt/Equity 0.57
P/E ratio 101.72 (above 35: high)
Fwd P/E 64.10 (above 35: high)
P/S ratio 9.64
P/B ratio 11.91 (above 6: high)
Past 5Y EPS Growth —
This Y EPS Growth 22.14% (at or above 15%: strong)
Next Y EPS Growth 27.40% (at or above 15%: strong)
Next Y revenue growth 16.45% (at or above 10%: strong)
Next 5Y EPS Growth 25.88% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 13.82%
10-year low 10-year high
P/S against its own 10 years 28.90%
10-year low 10-year high
P/B against its own 10 years 90.86%
10-year low 10-year high
EV/Sales against its own 10 years 46.30%
10-year low 10-year high
EV/FCF against its own 10 years 14.50%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 2026
Cash 799 1,004 1,149 753
Receivables 239 224 272 335
Inventory — — — —
Other — — — —
1,100 1,296 1,507 1,187
2023 2024 2025 2026
Payables 35 15 29 38
ST’ Debt 8 399 — —
Other 28 33 35 43
373 838 545 664

Compound Annual Growth %

10y 5y 3y
Sales 13.27% 14.70% 17.68%
Cash Flow 14.58% 28.42% 116.52%
Earnings 24.98% 0.00% 0.00%
Book Value 4.29% (5.03%) (0.16%)

Revenue $m

Oct Jan Apr Jul Year
’26 — — — — —
’26 333 359 373 411 1,475
’25 263 289 294 357 1,202
’24 207 241 241 292 980
’23 195 233 207 270 905
’22 166 205 197 245 813
’21 170 180 164 229 743
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Oct Jan Apr Jul Year
’26 — — — — —
’26 (67) 112 61 284 390
’25 (62) 86 32 245 301
’24 (72) 69 5 194 196
’23 (87) 1 (49) 173 38
’22 (107) (3) (11) 84 (38)
’21 (16) 13 6 108 112
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Oct Jan Apr Jul Year
’26 — — — — —
’26 (77) 106 54 277 359
’25 (67) 82 28 238 280
’24 (77) 64 1 189 177
’23 (92) (3) (52) 167 21
’22 (114) (9) (15) 79 (60)
’21 (20) 7 (4) 100 83
Fiscal quarters ending in the months shown.

EPS $

Oct Jan Apr Jul Year
’26 — — — — —
’26 0.36 0.70 0.19 0.38 1.63
’25 0.11 (0.45) 0.54 0.60 0.81
’24 (0.33) 0.12 (0.07) 0.20 (0.07)
’23 (0.83) (0.11) (0.56) 0.15 (1.36)
’22 (0.62) (0.49) (0.69) (0.37) (2.16)
’21 (0.24) (0.10) (0.44) (0.01) (0.79)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to July

Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 2027e 2028e 2029e
Price, $
Price, $ Low 49.25 72.51 76.31 71.64 91.77 52.08 60.34 102.66 165.08 102.30

Analyst estimates 2027–2029

Powerpack
High 83.52 107.79 123.60 129.76 134.22 114.00 111.00 209.15 272.60 207.49
People
People Employees 1,893 2,292 2,355 2,690 2,942 3,376 3,415 3,469 3,772 4,174
Revenue/emp, $m 0.27 0.28 0.31 0.28 0.25 0.24 0.27 0.28 0.32 0.35
Income, $m
Income, $m Revenue 510 653 720 742 743 813 905 980 1,202 1,475
Gross margin, % 62.40 54.54 54.92 54.46 52.41 46.42 50.61 59.50 62.54 64.21
EBT 29 (8) 12 (24) (104) (230) (134) (27) 49 164
EBT margin, % 5.60 (1.27) 1.73 (3.28) (14.03) (28.27) (14.81) (2.74) 4.11 11.12
Net income 18 (27) 21 (27) (67) (180) (112) (6) 70 139
Depreciation 20 39 58 54 69 68 40 40 48 61
Per share, $
Per share, $ Revenue 6.89 8.40 8.83 8.96 8.89 9.72 11.02 11.92 14.34 17.52
Earnings 0.29 (0.34) 0.25 (0.33) (0.79) (2.16) (1.36) (0.07) 0.83 1.65
Cash flow 1.88 1.81 1.43 1.36 1.34 (0.45) 0.47 2.38 3.59 4.63
Capex (0.09) (0.15) (0.60) (0.31) (0.35) (0.26) (0.21) (0.23) (0.24) (0.37)
Free cash flow 1.79 1.65 0.83 1.05 0.99 (0.71) 0.26 2.15 3.34 4.26
Book value 12.01 18.19 19.33 20.00 18.48 17.37 14.60 16.32 17.38 14.18
Shares, m 74 78 81 83 84 84 82 82 84 84
Valuation, ×
Valuation, × P/E 257.71 0.00 408.32 0.00 0.00 0.00 0.00 0.00 272.55 91.53
P/S 10.48 10.26 11.56 13.13 12.92 7.97 7.70 12.60 15.77 8.67
P/B 6.01 4.74 5.28 5.88 6.22 4.46 5.81 9.20 13.02 10.72
EV/Sales 9.35 9.09 10.43 12.07 11.89 7.22 7.26 12.38 15.53 8.74
EV/FCF 36.08 46.22 111.60 102.47 106.85 (98.24) 313.66 68.52 66.59 35.95
Cash, $m
Cash, $m Operating cash flow 139 140 116 113 112 (38) 38 196 301 390
Capex (7) (12) (49) (26) (29) (22) (17) (19) (20) (31)
Free cash flow 132 128 67 87 83 (60) 21 177 280 359
Balance, $m
Balance, $m Working capital 511 984 1,103 1,118 1,055 915 726 458 963 522
Total debt — 305 317 341 356 370 405 399 675 678
Net debt (573) (762) (807) (792) (764) (606) (394) (605) (475) (75)
Shareholders’ equity 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457 1,194
Returns, %
Returns, % ROA 1.81 (1.75) 1.00 (1.20) (2.84) (7.86) (5.21) (0.29) 2.82 5.26
ROIC 4.33 (1.50) 0.12 (1.73) (8.45) (14.74) (11.59) (4.45) 2.61 8.37
ROE 2.16 (2.32) 1.39 (1.68) (4.15) (12.04) (8.44) (0.48) 4.99 10.51
Negative figures in brackets.

All 10 years →

Fiscal years to Jul 2026 · latest quarter Jul 2026

Charts ten years each

Guidewire Software, Inc. vs peers in Software Application (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FICO Fair Isaac Corporation $16.6B 22.0× 30.0× +25.68% (above 0%: growing) +39.65% (above 0%: growing) +34.07% (above 0%: growing) 87.09% 53.79% Compare
TYL Tyler Technologies, Inc. $14.9B 47.3× 37.8× +8.22% (above 0%: growing) +14.80% (above 0%: growing) +34.72% (above 0%: growing) 47.60% 14.74% Compare
DOCU Docusign Inc. $14.5B 44.7× 27.4× +9.38% (above 0%: growing) +32.26% (above 0%: growing) +35.89% (above 0%: growing) 79.69% 13.43% Compare
GWRE Guidewire Software, Inc. $14.4B 102× 64.1× +15.29% (above 0%: growing) −38.71% (below 0%: shrinking) +16.42% (above 0%: growing) 65.60% 15.16%
MANH Manhattan Associates, Inc. $13.2B 62.9× 40.5× +9.31% (above 0%: growing) −8.51% (below 0%: shrinking) +27.98% (above 0%: growing) 56.53% 22.24% Compare
FIG Figma, Inc. $12.3B — (loss-making) — (loss-making) +48.25% (above 0%: growing) n/m −16.79% (below 0%: shrinking) 83.66% (31.69%) Compare
GRAB Grab Holdings Limited $12.2B 21.0× 32.6× +21.73% (above 0%: growing) +500.00% (above 0%: growing) −40.38% (below 0%: shrinking) 43.63% 1.91% Compare
HUBS HubSpot, Inc. $11.9B 81.5× 56.8× +19.83% (above 0%: growing) n/m +44.84% (above 0%: growing) 82.35% 4.75% Compare
FROG JFrog Ltd. $11.7B — (loss-making) — (loss-making) +28.73% (above 0%: growing) n/m +51.58% (above 0%: growing) 77.93% (8.09%) Compare
Median of peers $12.7B 46.0× 35.2× +20.78% +32.26% +34.40% 78.81% 9.09%

All 237 Software Application stocks →

Guidewire Software, Inc. (GWRE) key facts

  • Strength: Guidewire Software, Inc.’s revenue for fiscal 2026 (year ended July 2026) was $1.5 billion, up 22.7% from fiscal 2025.
  • Guidewire Software, Inc. (GWRE) is a Software Application company in the Technology sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, GWRE traded at $168.86, a market capitalization of $14.4 billion.
  • Return on equity was 10.5% and debt-to-equity 0.57.
  • Its Piotroski F-score is 7 out of 9 and its Altman Z-score is 6.00 (safe zone) for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.

Guidewire Software, Inc. (GWRE) Latest News

stockrow.com/GWRE · Data as of Jul 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com