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Guidewire (GWRE) Stock Price & Analysis
GWRE Stock Chart & Stats
- Day’s Range
- $159.93 - $163.29
- 52-Week Range
- $102.30 - $239.40
- Previous Close
- $160.07
- Volume
- 891.33K
- Average Volume (3M)
- 1.15M
- Market Cap
- $13.44B
- Enterprise Value
- $12.67B
- Total Cash (Recent Filing)
- $753.06M
- Total Debt (Recent Filing)
- $703.30M
- Price to Earnings (P/E)
- 98.5
- Beta
- 0.90
- Next Earnings
- Dec 03, 2026 (Est.)
- EPS Estimate
- 0.74
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Cloud Recurring Growth
The rising cloud share strengthens recurring revenue visibility and embeds Guidewire more deeply in insurers’ operating workflows. This mix shift can support durable retention, scalable delivery, and more predictable growth as customers continue modernizing core insurance systems.
Customer Retention And Expansion
Very low attrition across a large ARR base indicates strong customer dependence on Guidewire’s mission-critical policy, billing, and claims systems. High retention improves the durability of recurring revenue while creating opportunities to expand accounts with additional cloud and analytics products.
Profitability And Cash Generation
Improving gross profit, operating income, and cash generation demonstrate stronger operating leverage as the cloud model scales. The resulting internal funding capacity supports product investment, implementation efficiency, and strategic expansion while reducing reliance on external capital for ordinary growth.
Bears Say
Acquisition Leverage And Execution
The large Hyperexponential acquisition adds meaningful integration and execution demands while increasing debt obligations. Guidewire must realize the promised AI and ARR benefits without weakening margins or financial flexibility, particularly as the transaction combines a new platform with its existing cloud portfolio.
License And Support Revenue Decline
Cloud migration improves recurring revenue quality but creates a continuing headwind for legacy license and support streams. The transition can make reported growth and near-term revenue comparisons less smooth, requiring subscription expansion to consistently offset shrinking legacy contributions.
Services Margin Pressure
Low professional-services margins constrain the profitability contribution from implementation work, even as deployments support long-term subscriptions. Continued investment in services capacity and AI tools may delay margin expansion and leave consolidated earnings more dependent on higher-margin subscription growth.
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Guidewire Stock Smart Score
Company Description
Guidewire
Guidewire Software, Inc. is a global supplier of software solutions tailored for the property and casualty insurance industry. Its primary offering is Guidewire InsuranceSuite, a comprehensive platform that incorporates core applications like PolicyCenter, BillingCenter, and ClaimCenter. The company also furnishes Guidewire InsuranceNow, a cloud-native platform providing integrated policy, billing, and claims administration for insurers, alongside a self-managed version of the InsuranceSuite. Guidewire's product portfolio extends to specialized management tools, including Rating Management for accurate insurance product pricing, Reinsurance Management for executing rules-based reinsurance strategies throughout underwriting and claims processes, Client Data Management for effective utilization of customer information, and Product Content Management, which provides software tools and standardized templates to streamline the introduction and modification of insurance products. Further innovative solutions encompass Guidewire Underwriting Management, a cloud-based business application; AppReader, designed for efficient submission intake; a specialized Guidewire ClaimCenter Package that supports the unique claims workflows of the London Market; Digital Engagement Applications enabling insurers to deliver seamless digital experiences to customers, agents, and vendors across various devices; and Guidewire for Salesforce, which integrates crucial customer policy and claims data. Additionally, the company provides a robust data and analytics suite, featuring cloud-native Predictive Analytics applications, Risk Insights to help insurers evaluate emerging risks, Business Intelligence tools for performance measurement, DataHub as an operational data store, and InfoCenter for business intelligence warehousing. Guidewire also offers extensive implementation, integration, and professional services to support its clients. Established in 2001, Guidewire Software, Inc. maintains its corporate headquarters in San Mateo, California.
- Sector
- Technology
- Industry
- Software - Application
- CEO
- Michael George Rosenbaum
- Employees
- 4,174
- Website
- www.guidewire.com
- Address
- 970 Park Pl, San Mateo, CA, 94403, US
Guidewire (GWRE) Earnings & Revenues
GWRE Company Deck
GWRE Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, characterized by record ARR, robust subscription and cloud growth, significant core-cloud deal momentum, strong profitability and cash flow, very low attrition, and encouraging traction for ProNavigator, PricingCenter and the company's AI platform. The main negative factors were the expected decline in license and support revenue as customers migrate to the cloud, lower services margins, normalized attrition assumptions and first-quarter timing-related margin and cash flow effects. Highlights significantly outweighed lowlights.
View all GWRE earnings summariesGWRE Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 4 | 10 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 4 | 0 | 8 |







