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Guidewire Software Inc (GWRE) fair value: what the stock is really worth

As of Nov 4, 2026: fair value (intrinsic value) of Guidewire Software Inc stock $82.24, price $171, that is 51.8% below the price, quality 80 out of 100. Rating: strongly overvalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.

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Technology US

GS Guidewire Software Inc logo Some data Nov 3, 2026

Guidewire Software Inc

GWRE · US
Very expensive, in a downtrend

Our calculation puts a fair price 52% below what the stock costs today.

Quality 80/100
Healthy Growth (revenue 5y +14.7 %/yr in USD)
Generates free cash flow
Positive coverage
Revenue last quarter +15% vs. a year ago.
Thin margins · 9.4% net margin (TTM)
Moderate debt
Mixed vs. peers (7/14)
Moderate moat 53/100 · thin data
Insiders sold $36.6M (6M)
Some data
Fair value $82.24 · Strongly overvalued (−51.8%)
Quality growth

Risks from the AI analysis

🚩Carriers build internal agentic AI cores🚩High customer concentration
Watch Guidewire Software Inc for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$261.88 $52.65 Fair Value $82.24 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $52.65 – $261.88 · fair‑value band $57.94 – $106.92 · the $170.62 price screens above the $82.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications.

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The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities.

In addition, it offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates.

Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers . The company was incorporated in 2001 and is headquartered in San Mateo, California.

Stock analysis

Guidewire Software Inc (GWRE) currently trades at $170.62, while our model-based Fair Value estimate is $82.24, 52% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the DCF Models group reads highest at a median of $58.60 per share, and 0 of the 24 models we run sit above the $170.62 price.

Bear case: the Economic Profit group reads lowest at $12.75, and 24 of the 24 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $57.94 (bear) to $106.92 (bull), the price of $170.62 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 80/100 (high quality), in the Technology sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Guidewire Software Inc reported revenue of $1.5B in FY2026 versus $813M in FY2022, a compound +16.1%/yr. Reported net income was $139M in FY2026.

Key figures

Market cap $14.3B Large · P/E ratio 104.7 · P/S ratio 9.67 · EPS (TTM) $1.63 · Net margin 9.4% · Return on equity 10.5% · Return on assets (EBIT) −2.2% · Operating margin 15.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).

What moves the price

The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.

The share trades about 23% below its 52-week high and 66% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −52%, GWRE screens richer than that median.

Fair Value models

Bear $57.94 Fair Value $82.24 Bull $106.92
Price $170.62 · Downside -51.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 3 months old). Earnings retained since then ($0.4376 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCF $58.31 $113.09 $210.53 76
Growth DCF $57.22 $105.57 $187.70 75
5Y EBITDA Exit $34.05 $58.60 $89.13 74
All 24 models by family
DCF Models
FCF DCF $58.31 $113.09 $210.53 76
Owner Earnings $22.12 $44.95 $85.54 72
5Y Revenue Exit $27.41 $44.44 $66.57 72
5Y EBITDA Exit $34.05 $58.60 $89.13 74
5Y P/E Exit $38.72 $68.56 $103.03 69
10Y Revenue Exit $36.69 $56.80 $86.25 66
10Y EBITDA Exit $41.68 $67.24 $105.50 67
10Y P/E Exit $44.78 $74.58 $117.37 63
Earnings-Based
Graham-Dodd $11.55 $59.90 $82.83 64
Lynch FV $16.39 $23.41 $30.43 61
PEG = 1.0 $16.39 $23.41 $30.43 57
EPV $10.46 $12.75 $14.74 74
Multiples
P/E Multiple $35.67 $47.56 $59.46 63
P/S Multiple $21.66 $28.88 $36.10 58
P/B Multiple $41.38 $55.18 $68.97 55
EV/EBIT $28.97 $39.97 $50.97 66
EV/EBITDA $24.29 $33.73 $43.18 67
EV/Revenue $12.65 $19.80 $26.95 53
Asset-Based
NCAV (Graham) $4.60 $6.16 $9.20 54
Growth DCF
Growth DCF $57.22 $105.57 $187.70 75
Rev-Margin DCF $27.41 $44.65 $67.79 72
Economic Profit
Residual Income $13.25 $15.38 $21.00 71
ROIC Compounder $10.46 $12.75 $14.99 72
Growth Earnings
Growth-Adj P/E $28.79 $41.12 $53.46 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 80/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 48
How much profit the company makes from its sales and capital
Quality Growth 88
Are margins and returns getting better?
Cashflow 98
Do the profits arrive as real cash?
Financial strength 69
Debt, balance sheet and risk of trouble
Investment 86
Does it invest with discipline instead of growing at any price?
Low Volatility 30
How calm the share price moves, does not count
Price momentum 45
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 31
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 5 officers or directors sold shares worth $36.6M and none bought.

  • SaleMichael George RosenbaumChief Executive Officer, Director53× since Nov 10, 2025: 151,672 shares, avg. $152.48$23.1MNov 2, 2026
  • SaleJohn P MullenPresident8× since Dec 1, 2025: 86,726 shares, avg. $163.32$14.2MOct 26, 2026
  • SaleJames Winston KingChief Admin Officer, Gen Couns7× since Nov 17, 2025: 30,181 shares, avg. $158.15$4.8MOct 9, 2026
  • SaleJeffrey Elliott CooperChief Financial Officer7× since Dec 16, 2025: 48,129 shares, avg. $148.10$7.1MSep 18, 2026
  • SaleDavid Franklin PetersonChief Accounting Officer5× since Dec 16, 2025: 5,282 shares, avg. $173.78$917,924Sep 17, 2026

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+22.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
Start year 2021 (pandemic). Over 10 years: +13.3% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−14.2% (2021) → 10.2% (2026)

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+13.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +17.9% a year for the price and +11.2% for the forecasts.
Forecast 2027 (sales)+16.4%
Forecast 2028 (sales)+15.9%
Projected 2029 (sales)+14.1%
Projected 2030 (sales)+12.4%
Projected 2031 (sales)+10.7%

GWRE screens overvalued: fair value 52% below the price. Compare with SAP SE →

Recent news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 11, 2026
AI conclusion: Modest gross margins and positive free cash flow offer some foundation, yet persistently low returns on equity and assets reveal scant signs of lasting advantage.
Main risk: Carriers could develop their own AI-accelerated proprietary core systems for policy, billing and claims, reducing demand for Guidewire's platform and pressuring subscriptions.
Bull case: Guidewire could embed its agentic framework and acquired underwriting tools so deeply into carriers' workflows that internal builds become too complex and costly to pursue.
Bear case: If carriers accelerate internal AI cores or top customers renegotiate aggressively, Guidewire could lose significant subscription revenue and face slower cloud migrations.
Guidewire just brought in a new Chief Product Officer with a track record from Celonis and Microsoft to steer AI deeper into its core insurance applications. Recent cloud migrations by carriers like West Bend are creating the real-time data layers needed for those tools to work in daily workflows. Our models see the stock as overvalued. Will the fresh product leadership turn AI from a promise into faster subscription growth, or will execution lag behind the expectations already baked in?
Join the discussion →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 635 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 80 · Top 25%
Fair Value upside −51.8% · Below median
Profitability
Return on equity (12 months) 10.5% · Above median
Return on assets 5.4% · Above median
Net margin (12 months) 9.4% · Above median
Operating margin (12 months) 15.2% · Above median
Growth and dividend
Revenue growth (quarter YoY) 15.3% · Above median
Balance sheet
Debt / equity 0.57× · Highest 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/E (12 months) 104.7× · Priciest 25%
P/B 11.95× · Priciest 25%
P/S (12 months) 9.67× · Priciest 25%
Price / free cash flow 37.8× · Priciest 25%
EV/EBITDA 89.2× · Priciest 25%
PEG 1.00× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 28
FUTURE (revenue growth)77 · sector 40
PAST (return on equity)42 · sector 20
HEALTH (low debt)72 · sector 98
DIVIDEND (yield)0 · sector 30

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Adobe Inc ADBE $248.48 $463.72 +87% vs GWRE
Salesforce, Inc CRM $227.11 $342.73 +51% vs GWRE
Uber Technologies, Inc UBER $69.87 $101.25 +45% vs GWRE
Intuit Inc INTU $356.64 $459.14 +29% vs GWRE
ServiceNow, Inc NOW $108.81 $119.69 +10% vs GWRE
SAP SE SAP €215.75 €173.59 −20% vs GWRE
Cadence Design Systems, Inc CDNS $329.52 $225.48 −32% vs GWRE
Automatic Data Processing, Inc ADP $303.54 $150.40 −50% vs GWRE
Shopify Inc SHOP $153.03 $68.68 −55% vs GWRE
Snowflake Inc SNOW $290.60 $73.81 −75% vs GWRE

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Guidewire Software Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Guidewire Software Inc Fair Value". https://www.fairvalue-calculator.com/stock/GWRE

Frequently asked questions

Is Guidewire Software Inc (GWRE) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $82.24 versus a price of $170.62, about 52% lower (overvalued).
What is the fair value of GWRE?
Our model-based fair value for Guidewire Software Inc is $82.24 (as of Nov 3, 2026), built from audited fundamentals. The current price: $170.62.
What is the quality score of GWRE?
Guidewire Software Inc has a Quality Score of 80/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Guidewire Software Inc (GWRE)?
Our model-based price target is the fair value of $82.24 (as of Nov 3, 2026) from 24 valuation models. Cautious scenario $57.94, optimistic scenario $106.92. It is a calculation from audited fundamentals, not an analyst target.
What is the Guidewire Software Inc stock forecast for 2026?
Our models put fair value at $82.24, about 52% lower versus a price of $170.62 (overvalued). Cautious scenario $57.94, optimistic scenario $106.92. The calculation is refreshed regularly with new filings.
What is the revenue of Guidewire Software Inc (GWRE)?
Guidewire Software Inc reported trailing-twelve-month revenue of about $1.5B (latest available figure, as of Nov 3, 2026).
What growth is priced into Guidewire Software Inc (GWRE)?
For today's price to be fair in a discounted-cash-flow model, Guidewire Software Inc would have to grow free cash flow by +20.7 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.7 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of GWRE use?
Our models discount Guidewire Software Inc at 9.3 %: a base by market capitalisation (large), damped by beta 1.03, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Guidewire Software Inc that is +20.7 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Guidewire Software Inc (GWRE) delivered so far?
Over the past 5 years revenue at Guidewire Software Inc grew +14.7 % a year. The price currently implies +20.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Guidewire Software Inc (GWRE) growing?
The median revenue growth in the sector is +11.3 % a year. That is the yardstick for the growth priced into Guidewire Software Inc (+20.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Guidewire Software Inc (GWRE)?
The free-cash-flow yield on the price is 2.65 %: that much free cash flow Guidewire Software Inc produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Guidewire Software Inc (GWRE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Guidewire Software Inc it is $82.24 per share (as of Nov 3, 2026), against a price of $170.62. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Guidewire Software Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, GWRE trades above its calculated fair value: price $170.62, fair value $82.24, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GWRE?
No. The price is what the market pays today ($170.62); the fair value is what the company's own numbers justify ($82.24). For Guidewire Software Inc the two are $88.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Guidewire Software Inc worth?
The market values Guidewire Software Inc at about $14.3B (market capitalisation, as of Nov 3, 2026). Per share that is $170.62; our models calculate a fair value of $82.24 per share.
What do the bullish and bearish scenarios say about GWRE?
Our models span a range for Guidewire Software Inc: cautious scenario $57.94, base $82.24, optimistic $106.92 per share (as of Nov 3, 2026, price $170.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GWRE?
Guidewire Software Inc trades at a price-to-earnings ratio of 104.7 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $82.24 is built from several models across several years. Other multiples: PEG 1.0, P/B 12.0, P/S 9.7, EV/EBITDA 89.2.
What is the PEG ratio of GWRE?
The PEG ratio of Guidewire Software Inc is 1.00 (P/E divided by earnings growth, as of Nov 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Guidewire Software Inc (GWRE)?
Balance-sheet figures for Guidewire Software Inc (as of Nov 3, 2026): return on equity 10.5%, debt of 0.57 per unit of equity. They feed the Quality Score of 80/100, which measures business quality independently of the share price.
How far is GWRE from its 52-week high?
Guidewire Software Inc trades at $170.62, about 23% below its 52-week high of $222.78 and 66% above the low of $102.69 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $82.24 is for.
Which stocks are comparable to Guidewire Software Inc?
From the same area (Technology) we also value SAP SE, Shopify Inc, Salesforce, Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Guidewire Software Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $170.62, calculated fair value $82.24 (−52%), Quality Score 80/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GWRE calculated?
We run Guidewire Software Inc through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $82.24, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Guidewire Software Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Guidewire Software Inc (GWRE)?
The closing price on Nov 4, 2026 was $170.62. Our model-based fair value is $82.24, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Guidewire Software Inc right now?
A high-quality business (quality 80/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case ($106.92). The favourable scenario is already priced in. A fairly wide model range ($57.94 to $106.92) leaves room in how you read the outcome.
Where does the earnings growth of Guidewire Software Inc (GWRE) come from?
Earnings per share at Guidewire Software Inc grew +20.6 % a year from 2015 to 2026. Broken into its drivers: revenue per share +10.8 %, EBIT margin +5.0 %, tax rate +4.4 %, residual (interest, one-offs) −0.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Guidewire Software Inc

How large is the market capitalisation of Guidewire Software Inc (GWRE)?
The market capitalisation of Guidewire Software Inc is $14.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Guidewire Software Inc (GWRE)?
The price-to-sales ratio of Guidewire Software Inc is 9.67 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Guidewire Software Inc (GWRE)?
Earnings per share at Guidewire Software Inc are $1.63 (price ÷ EPS = P/E 104.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Guidewire Software Inc (GWRE)?
The net margin of Guidewire Software Inc is 9.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Guidewire Software Inc (GWRE)?
The return on equity (ROE) of Guidewire Software Inc is 10.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Guidewire Software Inc (GWRE)?
On an EBIT basis the return on assets of Guidewire Software Inc is −2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Guidewire Software Inc (GWRE)?
The operating margin of Guidewire Software Inc is 15.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Guidewire Software Inc (GWRE)?
Revenue at Guidewire Software Inc is growing +15.3% versus a year earlier (3y avg +17.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Guidewire Software Inc (GWRE)?
Earnings per share at Guidewire Software Inc are growing −38.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Guidewire Software Inc (GWRE) carry?
The net debt of Guidewire Software Inc is $330M (fiscal year 2026, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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