Guidewire Software, Inc. (GWRE) Stock

Guidewire Software, Inc. (GWRE) is a Technology stock trading at $181.77 (as of 2026-08-20), with a market capitalization of $15.13B and a trailing P/E of 90.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Guidewire Software provides software used by property and casualty insurers to manage policy, billing, and claims operations, including platforms such as InsuranceSuite and InsuranceNow, plus self-managed and cloud offerings. It also offers additional capabilities for rating, reinsurance management, customer data, and product content, serving insurers worldwide.

Understand Guidewire Software, Inc.: how it makes money

Guidewire Software sells software for property and casualty insurers, including its InsuranceSuite (PolicyCenter, BillingCenter, ClaimCenter) and its cloud platform InsuranceNow, and it makes money largely from subscription and support, with additional revenue from professional services and license sales.

Guidewire's profit model is driven by turning cloud and software deals into recurring revenue, with longer-term revenue visibility signaled by Remaining Performance Obligations.

Revenue by segment (latest quarter)
Subscription & Support$0.2B
Professional Services$0.1B
License$0.1B

Business quality (Mixed): The business shows a recurring-revenue engine tied to cloud adoption and measurable operating metrics (ARR, Remaining Performance Obligations), with solid profitability (63.5% gross margin, 8.2% operating margin), though the provided data does not show cohort retention or detailed customer concentration.

Valuation: Trades at 58× trailing earnings · $9B market cap.

Bull case

  • Recurring revenue visibility: Annual Recurring Revenue is tracked directly, and Remaining Performance Obligations provides a forward-looking view of obligations tied to those recurring arrangements.
  • Cloud traction indicators: The company tracks cloud growth with metrics such as Closed Cloud Deals (17.0), Cloud Deployments (Go-Lives) (10.0), and Customers Live on Guidewire Cloud Platforms (40.0), supporting the idea that insurers are adopting its cloud offerings.
  • Multi-component product set for insurer workflows: InsuranceSuite (PolicyCenter, BillingCenter, ClaimCenter) and related offerings (InsuranceNow, Rating Management, Reinsurance Management) cover multiple insurer processes, which can support deal sizes across policy, billing, claims, and pricing or reinsurance logic.

Bear case

  • Revenue mix depends on recurring and deal conversion: Subscription and Support Revenue (0.24B) is a major portion of the reported mix, so slower conversion of deals into recurring revenue could pressure growth even if usage metrics remain stable.
  • Cloud growth may be uneven quarter to quarter: Cloud-specific indicators like Closed Cloud Deals and Cloud Deployments (Go-Lives) are tracked as counts, which can vary and may create volatility in the pace of recurring revenue ramp.
  • Non-recurring revenue can fluctuate: Professional Services Revenue (0.07B) and License Revenue (0.06B) are separately identified, and if these streams soften, total revenue could be affected even when recurring revenue is growing.
Valuation — source: SEC EDGAR (first-party)
Price$181.77
Market Cap$15.13B
P/E Ratio90.1
EV / EBITDA82.5
Price / Book11.49
Price / Sales10.63
FCF Yield0.6%
DCF Value (model)$127.62
DCF Upside vs Price-29.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.20B
Net Margin5.8%
Revenue Growth (YoY)26.9%
EPS Growth (YoY)-63.6%
FCF Growth (YoY)78.6%
Financial Health — source: SEC EDGAR
Altman Z-Score7.93 (safe)
Valuation vs Sector & Industry
Stock P/E90.1
Sector P/E (Technology)33.9
Industry P/E (Business Services)30.0
vs Sector165.5%
vs Industry200.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($1.80B)
Institutional Holders Tracked10
Congressional Trades (recent)5
Company
SectorTechnology
IndustryBusiness Services
CEOMichael George Rosenbaum
Employees3,507
CountryUS
IPO Date2012-01-25

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GWRE earnings history · GWRE institutional & insider holders · GWRE KPIs & operating metrics · GWRE financials · GWRE investor presentations & press releases · GWRE SEC filings · GWRE peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.