Guidewire Software, Inc.

  • Earnings Score
  • Moat Score
  • Market Cap $17.62B
  • PE -1045
  • Debt -
  • Cash $698.68M
  • EV -
  • FCF $218.26M

Earnings

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Sales & Net Margins

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Earnings-$16.86M
EBIT$11.79M
ROE-1%
ROA0%
FCF$218.26M
Equity$1.27B
Growth Stability-366%
PE-1.05K
PB13.89
P/FCF80.73
P/S16.25
Price/Cash0.04
Net Margins-5%
Gross Margins61%
Op. Margins1%
Earnings CAGR0%
Sales Growth YoY20%
Sales Growth QoQ10%
Sales CAGR9%
FCF CAGR1%
Equity CAGR6%
Earnings Stability0
Earnings Growth YoY-485%
Earnings Growth QoQ-508%
Sales CAGR 5Y9%
FCF CAGR 5Y7%
Equity CAGR 5Y-7%
Earnings CAGR 3Y11%
Sales CAGR 3Y11%
FCF CAGR 3Y137%
Equity CAGR 3Y-2%
Market Cap$17.62B
Revenue$1.08B
Assets$2.54B
Cash$698.68M
Shares Outstanding83.49M
Earnings Score6%
Moat Score13%
Working Capital919.45M
Current Ratio2.65
Gross Profit$666.21M
Shares Growth 3y-0%
Equity Growth QoQ0%
Equity Growth YoY1%

Assets & ROA

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Stockholders Equity & ROE

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Guidewire Software provides software solutions for property and casualty insurers. Flagship product InsuranceSuite is an on-premises system of record and comprises ClaimCenter, a claims management system; PolicyCenter, a policy management system including policy definitions, quotas, issuance, maintenance, and renewal; and BillingCenter, for billing management, payment plans, and agent commissions. The company also offers InsuranceNow, a cloud-based offering, as well as a variety of other add-on applications.

SEC Filings

Direct access to Guidewire Software, Inc. (GWRE) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Jan 31
  • 2024
    • 10-Q Oct 31
    • 10-K Jul 31
    • 10-Q Apr 30
    • 10-Q Jan 31
  • 2023
    • 10-Q Oct 31
    • 10-K Jul 31
    • 10-Q Apr 30
    • 10-Q Jan 31

Sector Comparison

How does Guidewire Software, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Guidewire Software, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 0%
Stability 0%
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Guidewire Software, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Guidewire Software, Inc..

= $2.3B
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fcf$218M$220M$222M$225M$227M$229M$231M$233M$235M$238M$240M$2.4B
DCF$200M$184M$169M$155M$142M$130M$120M$110M$101M$92M$925M
Value$2.3B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years07/201507/201607/201707/201807/201907/202007/202107/202207/202307/2024TTM
Net Margins3%4%4%-3%3%-4%-9%-22%-12%-1%-5%
ROA-2%3%0%1%-1%-4%-9%-7%-1%0%
ROE-2%2%-1%1%-2%-4%-12%-9%-0%-1%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years07/201507/201607/201707/201807/201907/202007/202107/202207/202307/2024TTM
Debt over FCF---2.334.463.63.71-7.5512.192.14-
Debt over Equity---0.210.20.20.220.250.330.3-
Growth Stability----128%100%-366%-----366%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years07/201507/201607/201707/201807/201907/202007/202107/202207/202307/2024CAGR 5Y
Revenue YoY growth-12%21%29%9%3%0%9%11%8%9%
Earnings YoY growth-52%42%-193%-205%-231%145%171%-38%-95%-
Equity YoY growth-14%14%59%11%5%-7%-6%-17%12%-7%
FCF YoY growth-62%41%-0%-46%29%1%-151%-169%481%7%