Guidewire Software (GWRE) Stock Price

Guidewire Software Price

NYSE·CLOSED
151.94USD-1.27 (-0.83 %)
Market closed

Revenue has compounded at 20.3% per year over the past 18 years to 1.20 B USD. Earnings per share have grown at 6.1% per year over the last 15 years. Guidewire Software's net margin stands at 5.8%, up from -8.9% several years earlier. Analysts set a median price target of 250.92 USD, implying 65.1% above the current price. Of 22 analysts, 18 rate the stock a buy — an overall Buy consensus. The stock trades about 47% above its 52-week low.

Guidewire Software stock price

Volume
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of Guidewire Software over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Guidewire Software stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Guidewire Software's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Guidewire Software Stock Price History
DateGuidewire Software Price
7/31/2026151.94 USD
7/30/2026153.21 USD
7/29/2026165.78 USD
7/27/2026148.48 USD
7/23/2026131.38 USD
7/22/2026133.97 USD
7/21/2026142.53 USD
7/20/2026149.19 USD
7/17/2026150.02 USD
7/16/2026148.91 USD
7/15/2026140.54 USD
7/14/2026140.71 USD
7/13/2026142.63 USD
7/10/2026136.13 USD
7/9/2026135.05 USD
7/8/2026134.55 USD
7/7/2026137.06 USD
7/6/2026135.40 USD
7/2/2026134.47 USD
7/1/2026127.65 USD
6/30/2026123.05 USD
6/29/2026121.04 USD
6/26/2026121.48 USD
6/25/2026110.10 USD
6/24/2026110.33 USD
6/23/2026109.63 USD
6/22/2026103.04 USD
6/18/2026108.32 USD
6/17/2026117.68 USD
6/16/2026119.00 USD
6/15/2026124.10 USD
6/12/2026118.95 USD
6/11/2026114.85 USD
6/10/2026122.06 USD
6/9/2026124.51 USD
6/8/2026127.19 USD
6/5/2026138.43 USD
6/4/2026162.49 USD
6/3/2026155.78 USD
6/2/2026161.48 USD
6/1/2026166.70 USD
5/29/2026149.17 USD
5/28/2026139.13 USD
5/27/2026133.93 USD
5/26/2026138.73 USD
5/22/2026137.90 USD
5/21/2026136.35 USD
5/20/2026139.71 USD
5/19/2026140.01 USD
5/18/2026137.09 USD
5/15/2026130.14 USD
5/14/2026123.65 USD
5/13/2026125.60 USD
5/12/2026131.38 USD
5/11/2026134.32 USD
5/8/2026138.45 USD
5/7/2026139.58 USD
5/6/2026131.09 USD
5/5/2026140.02 USD
5/4/2026143.57 USD
5/1/2026141.26 USD
4/30/2026138.39 USD
4/29/2026139.23 USD
4/28/2026138.67 USD
4/27/2026136.62 USD
4/24/2026139.56 USD
4/22/2026142.99 USD
4/21/2026141.04 USD
4/20/2026143.00 USD
4/17/2026140.36 USD
4/16/2026139.11 USD
4/15/2026136.57 USD
4/14/2026125.09 USD
4/13/2026124.18 USD
4/10/2026117.95 USD
4/9/2026124.30 USD
4/8/2026136.87 USD
4/7/2026146.08 USD
4/6/2026147.83 USD
4/2/2026150.79 USD
4/1/2026148.58 USD
3/31/2026149.56 USD
3/30/2026144.90 USD
3/27/2026144.68 USD
3/26/2026151.34 USD
3/25/2026149.44 USD
3/24/2026150.73 USD
3/23/2026156.81 USD
3/20/2026155.61 USD
3/19/2026156.03 USD
3/18/2026159.27 USD
3/17/2026163.11 USD
3/16/2026161.74 USD
3/13/2026160.57 USD
3/12/2026157.63 USD
3/11/2026158.25 USD
3/10/2026158.93 USD
3/9/2026163.30 USD
3/6/2026168.87 USD
3/5/2026160.84 USD
3/4/2026153.79 USD
3/3/2026151.93 USD
3/2/2026149.01 USD
2/27/2026145.32 USD
2/26/2026144.08 USD
2/25/2026135.89 USD
2/24/2026128.14 USD
2/23/2026122.22 USD
2/20/2026127.66 USD
2/19/2026128.84 USD
2/18/2026128.84 USD
2/17/2026122.29 USD
2/13/2026127.03 USD
2/12/2026125.34 USD
2/11/2026130.41 USD
2/10/2026133.24 USD
2/9/2026125.80 USD
2/6/2026128.19 USD
2/5/2026125.99 USD
2/4/2026132.18 USD
2/3/2026129.65 USD
2/2/2026138.92 USD
1/30/2026140.76 USD
1/29/2026147.64 USD
1/28/2026162.69 USD
1/27/2026160.29 USD
1/26/2026161.89 USD
1/23/2026160.03 USD
1/22/2026156.85 USD
1/21/2026158.96 USD
1/20/2026155.45 USD
1/16/2026158.99 USD
1/15/2026166.09 USD
1/14/2026170.85 USD
1/13/2026179.50 USD
1/12/2026180.93 USD
1/9/2026185.19 USD
1/8/2026180.41 USD
1/7/2026187.68 USD
1/6/2026187.98 USD
1/5/2026185.94 USD
1/2/2026187.63 USD
12/31/2025201.01 USD
12/30/2025202.52 USD
12/29/2025203.72 USD
12/26/2025205.46 USD
12/24/2025205.90 USD
12/23/2025206.14 USD
12/22/2025207.42 USD
12/19/2025199.92 USD
12/18/2025197.46 USD
12/17/2025193.93 USD
12/16/2025193.59 USD
12/15/2025194.24 USD
12/12/2025205.10 USD
12/11/2025204.54 USD
12/10/2025200.61 USD
12/9/2025197.25 USD
12/8/2025200.10 USD
12/5/2025210.55 USD
12/4/2025211.07 USD
12/3/2025215.76 USD
12/2/2025214.72 USD
12/1/2025212.31 USD
11/28/2025215.98 USD
11/26/2025213.58 USD
11/25/2025214.36 USD
11/24/2025212.40 USD
11/21/2025212.99 USD
11/20/2025210.20 USD
11/19/2025213.98 USD
11/18/2025214.33 USD
11/17/2025216.75 USD
11/14/2025222.51 USD
11/13/2025218.26 USD
11/12/2025220.97 USD
11/11/2025219.66 USD
11/10/2025217.77 USD
11/7/2025218.04 USD
11/6/2025215.32 USD
11/5/2025220.22 USD
11/4/2025222.78 USD
11/3/2025227.99 USD
10/31/2025233.64 USD
10/30/2025236.42 USD
10/29/2025239.49 USD
10/28/2025253.03 USD
10/27/2025253.05 USD
10/24/2025250.54 USD
10/23/2025252.47 USD
10/22/2025250.25 USD
10/21/2025254.23 USD
10/20/2025253.97 USD
10/17/2025244.28 USD
10/16/2025243.81 USD
10/15/2025239.38 USD
10/14/2025240.18 USD
10/13/2025242.74 USD
10/10/2025239.14 USD
10/9/2025236.53 USD
10/8/2025230.70 USD
10/7/2025227.00 USD
10/6/2025232.94 USD
10/3/2025230.00 USD
10/2/2025231.01 USD
10/1/2025230.23 USD
9/30/2025229.86 USD
9/29/2025231.79 USD
9/26/2025230.39 USD
9/25/2025234.54 USD
9/24/2025236.67 USD
9/23/2025241.95 USD
9/22/2025244.60 USD
9/19/2025244.77 USD
9/18/2025246.64 USD
9/17/2025246.94 USD
9/16/2025246.40 USD
9/15/2025251.24 USD
9/12/2025252.94 USD
9/11/2025253.19 USD
9/10/2025253.04 USD
9/9/2025255.96 USD
9/8/2025261.88 USD
9/5/2025260.71 USD
9/4/2025216.99 USD
9/3/2025219.25 USD
9/2/2025217.46 USD
8/29/2025217.02 USD
8/28/2025218.71 USD
8/27/2025216.42 USD
8/26/2025212.14 USD
8/25/2025211.36 USD
8/22/2025213.99 USD
8/21/2025213.11 USD
8/20/2025216.15 USD
8/19/2025213.60 USD
8/18/2025215.01 USD
8/15/2025211.43 USD
8/14/2025208.89 USD
8/13/2025209.01 USD
8/12/2025207.87 USD
8/11/2025208.91 USD
8/8/2025213.27 USD
8/7/2025217.43 USD
8/6/2025225.57 USD
8/5/2025223.06 USD
8/4/2025226.19 USD
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Guidewire Software Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2021
743.27 M USD
-105.58 M USD
-66.51 M USD
Jan 1, 2022
812.61 M USD
-216.55 M USD
-180.43 M USD
Jan 1, 2023
905.34 M USD
-149.49 M USD
-111.86 M USD
Jan 1, 2024
980.50 M USD
-52.57 M USD
-6.10 M USD
Jan 1, 2025
1.20 B USD
41.07 M USD
69.80 M USD
Jan 1, 2026 (e)
1.47 B USD
-141.72 M USD
294.03 M USD
Jan 1, 2027 (e)
1.70 B USD
-164.67 M USD
347.11 M USD
Jan 1, 2028 (e)
1.97 B USD
-190.09 M USD
432.57 M USD

Guidewire Software Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 4, 2026, 6:54 AM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
EBITM USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
0.300.350.380.420.510.660.720.740.740.810.910.981.201.471.701.97
29.3116.678.5711.5821.2328.608.773.200.139.2911.458.2922.6522.0516.1615.43
58.0057.4361.3264.1561.6753.8654.9454.4552.3646.4350.6159.4962.5662.5662.5662.56
0.170.200.230.270.320.360.400.400.390.380.460.580.750.921.071.23
16.0018.0016.0016.0026.00-7.001.00-23.00-105.00-216.00-149.00-52.0041.00-141.00-164.00-190.00
5.335.144.213.775.06-1.060.14-3.10-14.13-26.60-16.46-5.313.41-9.61-9.62-9.66
15.0014.009.0014.0021.00-19.0020.00-27.00-66.00-180.00-111.00-6.0069.00294.00347.00432.00
–-6.67-35.7155.5650.00-190.48-205.26-235.00144.44172.73-38.33-94.59-1,250.00326.0918.0324.50
58.6569.3271.2473.2975.1982.2182.3683.6183.2383.3281.6985.9686.4586.4586.4586.45
Details

Income Statement Key Figures

ⓘ

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Guidewire Software generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Guidewire Software retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Guidewire Software's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Guidewire Software has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Guidewire Software's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Guidewire Software stock margins

The Guidewire Software margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Guidewire Software. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Guidewire Software.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2021
52.41 %
-14.21 %
-8.95 %
Jan 1, 2022
46.42 %
-26.65 %
-22.20 %
Jan 1, 2023
50.61 %
-16.51 %
-12.36 %
Jan 1, 2024
59.50 %
-5.36 %
-0.62 %
Jan 1, 2025
62.54 %
3.42 %
5.81 %
Jan 1, 2026 (e)
62.54 %
-9.66 %
20.04 %
Jan 1, 2027 (e)
62.54 %
-9.66 %
20.36 %
Jan 1, 2028 (e)
62.54 %
-9.66 %
21.98 %

Guidewire Software Stock Revenue, EBIT, Earnings per Share

The Guidewire Software earnings per share therefore indicates how much revenue Guidewire Software has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2021
8.93 USD
-1.27 USD
-0.80 USD
Jan 1, 2022
9.75 USD
-2.60 USD
-2.17 USD
Jan 1, 2023
11.08 USD
-1.83 USD
-1.37 USD
Jan 1, 2024
11.41 USD
-0.61 USD
-0.07 USD
Jan 1, 2025
13.91 USD
0.48 USD
0.81 USD
Jan 1, 2026 (e)
17.33 USD
-1.64 USD
3.47 USD
Jan 1, 2027 (e)
20.13 USD
-1.90 USD
4.10 USD
Jan 1, 2028 (e)
23.24 USD
-2.20 USD
5.11 USD

Guidewire Software business model & stock analysis

Guidewire Software Inc. is a leading provider of software solutions for the insurance industry. The company was founded in 2001 by Marcus Ryu, John Raguin, and Ken Branson, with a focus on developing software that automates and optimizes business processes for insurance companies. Guidewire Software's business model revolves around offering an integrated suite of software solutions that help customers automate their core insurance processes. This includes underwriting, policy issuance, claims handling, and analytics and reporting. By automating these processes, insurance companies can optimize efficiency, reduce costs, and improve customer satisfaction. The company offers its solutions in three main divisions: Core Operations, Data and Analytics, and Digital. Core Operations includes solutions for underwriting, policy issuance, and claims handling, while Data and Analytics provides tools for data analysis and reporting. The Digital division offers solutions to help customers digitize their business processes and enhance their digital presence. Guidewire Software's products include Guidewire PolicyCenter, Guidewire BillingCenter, Guidewire ClaimCenter, and Guidewire Underwriting Management. These products provide insurance companies with a comprehensive range of automation solutions to simplify and streamline their processes. Guidewire PolicyCenter helps insurance companies efficiently create and manage policies, with tools for policy editing, updating, and distribution. Guidewire BillingCenter enables insurance companies to quickly and effectively create and manage invoices, with features for invoice creation, editing, and sending. Guidewire ClaimCenter helps insurance companies efficiently handle and process claims, with a range of features for claims reporting, processing, and settlement. Guidewire Underwriting Management assists insurance companies in quickly and efficiently assessing and evaluating risks, with tools for risk assessment and determination. Guidewire operates globally, with offices in North America, Europe, the Asia-Pacific region, and Latin America. The company has received multiple awards, including the Technology Fast 500 Award from Deloitte, the Red Herring 100 North America Award, and the OnDemand Top 100 Award. Overall, Guidewire Software Inc. is a highly respected company offering leading solutions for the insurance industry. The company is poised for further growth with its innovative solutions and commitment to excellence in development and service quality.

Guidewire Software SWOT Analysis

Strengths

  • Strong Market Position:
  • Guidewire Software holds a dominant position in the insurance software market, aided by its comprehensive product offerings and broad customer base.
  • Robust Product Portfolio:
  • The company offers a range of innovative and reliable software solutions for the insurance industry, catering to diverse needs such as policy administration, claims management, and underwriting.
  • Established Customer Relationships:
  • Guidewire has built long-term partnerships with numerous insurance companies worldwide, benefiting from customer loyalty and the potential for recurring revenue through maintenance and support services.
  • Financial Stability:
  • The company enjoys a strong financial position, with consistent revenue growth and healthy profit margins, providing stability and resources for future investments and expansion.

Weaknesses

  • Dependency on Insurance Industry:
  • Guidewire's business heavily relies on the insurance sector, making it vulnerable to industry-specific factors such as regulatory changes, economic downturns, and fluctuations in market demand.
  • Intense Competition:
  • The industry is flooded with competitors offering similar insurance software solutions, requiring Guidewire to continually invest in innovation and competitive differentiation to maintain its market leadership.

Opportunities

  • Growth in Insurtech:
  • The emergence of new technologies and innovative startups in the insurance technology (insurtech) space presents an opportunity for Guidewire to collaborate or acquire disruptive companies to enhance its product offerings.
  • International Expansion:
  • The company can explore untapped markets and regions worldwide, leveraging its reputation and expertise to expand its customer base beyond its current geographical presence.

Threats

  • Technological Disruption:
  • Rapid advancements in technology and the increasing adoption of artificial intelligence and automation could pose a threat if Guidewire fails to adapt and incorporate these innovations into its software solutions.
  • Regulatory Challenges:
  • Changes in government regulations and compliance requirements may necessitate costly modifications to Guidewire's software offerings, impacting revenue and potentially causing delays in product development.

Guidewire Software Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Guidewire Software Employees
Details
Date
Guidewire Software Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Guidewire Software Segments

Guidewire Software Revenue by Segment (1/3)

  • Max

Subscription and support
License
Services
Details
Date
Subscription and support
License and subscription
License
Services
Maintenance
Jan 1, 2025
731.30 M USD
0.00 USD
251.94 M USD
219.23 M USD
0.00 USD

Guidewire Software Revenue by Segment (2/3)

  • Max

Subscription
Details
Date
Subscription and support
Subscription
License
Term license
Services
Support
Perpetual license
Jan 1, 2025
0.00 USD
667.44 M USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD

Guidewire Software Revenue by Segment (3/3)

  • Max

Reportable Segment
Details
Date
Reportable Segment
Jan 1, 2025
1.20 B USD

Guidewire Software Revenue by Region

  • 3 Years

  • 5 Years

  • 10 Years

  • Max

Total Americas
Americas
United States
Total EMEA
EMEA
Other EMEA
CANADA
Total APAC
APAC
Other Countries
UNITED KINGDOM
Australia
Other Americas
Details
Date
Total Americas
Americas
United States
Total EMEA
EMEA
Other EMEA
CANADA
Total APAC
APAC
Other Countries
UNITED KINGDOM
Australia
Other Americas
Jan 1, 2018
0.00 USD
483.12 M USD
416.96 M USD
0.00 USD
115.85 M USD
79.20 M USD
45.59 M USD
0.00 USD
62.09 M USD
0.00 USD
36.65 M USD
0.00 USD
20.57 M USD
Jan 1, 2019
0.00 USD
511.67 M USD
446.59 M USD
0.00 USD
136.39 M USD
96.39 M USD
46.97 M USD
0.00 USD
71.46 M USD
0.00 USD
40.00 M USD
0.00 USD
18.12 M USD
Jan 1, 2020
540.14 M USD
0.00 USD
462.54 M USD
138.45 M USD
0.00 USD
89.92 M USD
59.00 M USD
63.72 M USD
0.00 USD
0.00 USD
48.52 M USD
0.00 USD
18.61 M USD
Jan 1, 2021
561.50 M USD
0.00 USD
472.16 M USD
121.85 M USD
0.00 USD
89.58 M USD
75.14 M USD
59.92 M USD
0.00 USD
0.00 USD
32.28 M USD
0.00 USD
14.19 M USD
Jan 1, 2022
0.00 USD
626.82 M USD
516.42 M USD
0.00 USD
118.42 M USD
84.18 M USD
100.01 M USD
0.00 USD
67.38 M USD
0.00 USD
34.24 M USD
0.00 USD
10.38 M USD
Jan 1, 2023
0.00 USD
691.85 M USD
573.86 M USD
0.00 USD
142.64 M USD
105.72 M USD
105.68 M USD
0.00 USD
70.85 M USD
0.00 USD
36.93 M USD
0.00 USD
12.30 M USD
Jan 1, 2024
749.82 M USD
0.00 USD
0.00 USD
154.43 M USD
0.00 USD
0.00 USD
0.00 USD
76.24 M USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2025
923.90 M USD
0.00 USD
0.00 USD
183.58 M USD
0.00 USD
0.00 USD
0.00 USD
94.98 M USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD

Guidewire Software Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Guidewire Software historical P/E ratio, EBIT multiple, and P/S ratio

Guidewire Software annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Guidewire Software shares outstanding

The number of shares of Guidewire Software was 86.45 M in 2025. This indicates how many shares Guidewire Software is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
83.23 M Stocks
Jan 1, 2022
83.32 M Stocks
Jan 1, 2023
81.69 M Stocks
Jan 1, 2024
85.96 M Stocks
Jan 1, 2025
86.45 M Stocks
Jan 1, 2026 (e)
86.45 M Stocks
Jan 1, 2027 (e)
86.45 M Stocks
Jan 1, 2028 (e)
86.45 M Stocks

Current Guidewire Software forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
1.20 %
Buy
81.82 % (18)
Hold
13.64 % (3)
Sell
4.55 % (1)
12M Price Target
250.92
Last Price
151.94
Currency
USD
12M Return Potential
65.14 %
LTM Return
0 %

Guidewire Software Analyst Rating Actions

DateFirmActionRatingReliability
7/14/2026
JP Morgan
JP Morgan
MaintainedOverweight80
7/2/2026
BTIG
BTIG
MaintainedBuy–
6/25/2026
BTIG
BTIG
MaintainedBuy–
6/8/2026
DA Davidson
DA Davidson
MaintainedBuy–
6/5/2026
Wells Fargo
Wells Fargo
MaintainedOverweight56
6/5/2026
Stifel
Stifel
MaintainedBuy–
6/5/2026
RBC Capital
RBC Capital
MaintainedOutperform52
6/5/2026
Goldman Sachs
Goldman Sachs
MaintainedBuy–
6/5/2026
DA Davidson
DA Davidson
MaintainedBuy–
6/5/2026
Citizens
Citizens
MaintainedMarket Outperform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Guidewire Software Earnings Calls

2025

Guidewire Software Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
6/9/20260.76USD-363.10 MUSD-2026 Q3
3/5/20260.79USD-348.58 MUSD-2026 Q2
12/3/20250.63USD-322.96 MUSD-2026 Q1
12/5/20240.31USD-258.01 MUSD-2025 Q1
5/30/20240.14USD-240.00 MUSD-2024 Q3
3/4/20240.29USD-256.52 MUSD-2024 Q2
12/4/2023-0.16USD-219.78 MUSD-2024 Q1
6/5/2023-0.10USD-216.76 MUSD-2023 Q3
3/6/20230.01USD-225.28 MUSD-2023 Q2
12/1/2022-0.40USD-194.70 MUSD-2023 Q1

EESG©

Eulerpool ESG Scorecard© for the Guidewire Software stock

71/100
72
Environment
99
Social
44
Governance
E

Environment

20
Scope 1 - Direct Emissions30.77
Scope 2 - Indirect emissions from purchased energy1,306.78
Scope 3 - Indirect emissions within the value chain27,506.41
Total CO₂ emissions1,337.55
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees28.4
Percentage of women in management—
Percentage of Asian employees34.5
Share of Asian management—
Percentage of Hispanic/Latino employees3.7
Hispano/Latino Management share—
Percentage of Black employees2.5
Black Management Share—
Percentage of white employees56.9
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Guidewire Software shareholder structure

% Name
11.01784%
BLACKROCK, INC.
BLACKROCK, INC.
10.55115%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
9.37670%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
9.03748%
LINONIA PARTNERSHIP LP
LINONIA PARTNERSHIP LP
7.79288%
BAMCO INC /NY/
BAMCO INC /NY/
6.33443%
The Linonia Partnership LP
The Linonia Partnership LP
...

Guidewire Software Beneficial Ownership Filings (SEC 13D/G)

Free Float
90.1%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
12.60%
52-0556948
52-0556948
SEC ↗
10.20%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
9.62%
BAMCO INC /NY/
BAMCO INC /NY/
SEC ↗
9.06%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
9.00%
Linonia Partners Fund LP
Linonia Partners Fund LP
SEC ↗
7.43%
BLAIR WILLIAM & CO/IL
BLAIR WILLIAM & CO/IL
SEC ↗
7.32%
Wellington Management Group LLP
Wellington Management Group LLP
SEC ↗
7.10%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
7.10%
Ronald Baron364468504
Ronald Baron364468504
SEC ↗
6.73%
BAMCO INC /NY/364468504
BAMCO INC /NY/364468504
SEC ↗

Guidewire Software Executives and Management Board

14 members · avg. age 59 · 29 % women

JM

Mr. John Mullen (52)

President

15.37 M USD

Management

MR

Mr. Michael Rosenbaum (54)

Chief Executive Officer, Director · since 2019

14.01 M USD
JC

Mr. Jeffrey Cooper (49)

Chief Financial Officer

6.51 M USD
JK

Mr. James King (54)

Chief Administrative Officer, General Counsel, Secretary

3.84 M USD
DP

Mr. David Peterson (64)

Chief Accounting Officer

906,730.00 USD
BM

Ms. Brigette Mcinnis-day

Chief People Officer

–
AH

Mr. Alex Hughes

Investor Relations · since 2022

–

Board of Directors

MK

Mr. Michael Keller (65)

Independent Director

356,428.00 USD
MA

Mr. Mark Anquillare (59)

Independent Director

313,716.00 USD
CL

Ms. Catherine Lego (69)

Independent Director

292,657.00 USD
RR

Ms. Rajani Ramanathan (58)

Independent Director

288,665.00 USD
DB

Mr. David Bauer (65)

Independent Director

283,679.00 USD
MD

Ms. Margaret Dillon (66)

Independent Director

281,186.00 USD

Frequently asked questions about Guidewire Software

The business model of Guidewire Software Inc is focused on providing software solutions for the property and casualty insurance industry. They offer a suite of applications designed to help insurers streamline their operations, manage claims, and improve customer service. Guidewire's software enables insurers to automate policy administration, underwriting, and billing processes, as well as handle claims and analytics. By offering these innovative solutions, Guidewire aims to help insurance companies enhance their efficiency, reduce costs, and deliver better experiences to their customers. Guidewire Software Inc is a leading provider in the insurance software market, serving over 350 insurers globally.

Guidewire Software Inc is primarily active in the insurance software industry.

The main competitors of Guidewire Software Inc in the market include Pegasystems Inc, Duck Creek Technologies, and Majesco.

Guidewire Software Inc is a leading provider of software solutions for the insurance industry. Established in 2001, the company has a rich history of innovation and success. Guidewire's mission is to help insurers adapt and succeed in a rapidly changing market. Over the years, Guidewire has gained a strong reputation for its robust, scalable, and flexible software platforms, which enable insurers to streamline operations, enhance customer engagement, and drive growth. With a focus on customer-centricity and a deep understanding of the insurance industry, Guidewire has become a trusted partner for insurers worldwide.

Guidewire Software Inc has achieved significant milestones since its establishment. Some notable milestones include its successful initial public offering (IPO) in 2012, marking a major step in the company's growth and recognition within the stock market. Additionally, Guidewire has consistently delivered innovative software solutions to the insurance industry, gaining widespread recognition and expanding its customer base. The company's dedication to providing cutting-edge technology and exceptional customer service has enabled it to establish long-term partnerships with leading insurance companies worldwide. Guidewire's commitment to enhancing the efficiency and performance of the insurance industry has solidified its position as a trusted and respected market leader.

Guidewire Software Inc is primarily present in various countries and regions worldwide. The company has a global presence with key operations and offices in North America, including the United States and Canada. Additionally, Guidewire Software Inc has established a strong presence in Europe, particularly in countries like the United Kingdom, France, Germany, and Spain. The company also serves customers in the Asia-Pacific region, including Australia and Japan. With its innovative software solutions, Guidewire Software Inc caters to insurance companies across different geographies, enabling them to streamline and enhance their operations efficiently.

Guidewire Software Inc represents a set of core values and a corporate philosophy based on innovation, customer success, and integrity. Guidewire strives to create innovative software solutions and technology platforms that empower insurers to adapt and succeed in today's rapidly changing insurance industry. With a customer-centric approach, Guidewire is committed to delivering exceptional service and support to its clients. The company's corporate philosophy emphasizes transparency, ethical behavior, and collaboration, fostering strong relationships with both customers and employees. Guidewire's dedication to these values has firmly established its position as a trusted and leading provider of software solutions in the insurance domain.

Analysts currently set an average price target of 233.06 USD for the Guidewire Software stock (median: 250.92 USD), implying +53.4 % versus the latest price. The consensus is based on 22 analyst ratings.

Guidewire Software Analyst Price Targets 2026

22 analysts currently rate the Guidewire Software stock: 18 recommend buying, 3 holding and 1 selling. For 2026, analysts expect Guidewire Software to generate revenue of 1.47 B USD and earnings per share of 3.40 USD.

Guidewire Software Analyst Price Targets 2026

Converted at the current exchange rate, the Guidewire Software share trades at 131.99 EUR (151.94 USD).

The Guidewire Software share (GWRE) is listed on 7 stock exchanges, including: NYSE (GWRE), Frankfurt (0GS.F), München (0GS.MU), Düsseldorf (0GS.DU), London (0J1G.L), London (0J1G.L), SIX (Zürich) (0GS.SW).

Guidewire Software Inc. is a company that specializes in developing software for the insurance industry. The company offers a comprehensive range of products for insurance companies, from policy issuance and claims handling to core policy administration and data analysis. One of Guidewire's key products is PolicyCenter, a system that automates policy issuance for insurance companies. PolicyCenter provides a fully integrated and modular platform that optimizes all aspects of policy issuance and contract management for insurance companies. It is suitable for all industries, from personal to commercial insurance. Guidewire also offers a claims handling platform. Guidewire's ClaimsCenter is a system that automates the claims process from reporting to settlement. ClaimsCenter provides an integrated data model, workflow engine, and user-friendly interface. It helps insurance companies expedite claims processing and improve customer service. In addition to its policy issuance and claims handling systems, Guidewire also offers solutions for underwriting and core policy administration. Guidewire's underwriting system utilizes an intuitive user interface and analytics to simplify risk assessments and accelerate the underwriting process. Core policy administration allows insurance companies to manage and update policies and contracts. Guidewire also provides data analysis and business intelligence tools that help insurance companies make better decisions and minimize risk. Guidewire's DataHub product offers an integrated data platform that standardizes and consolidates data from various insurance company systems. The data can then be used for business intelligence analysis and reporting. Another important product from Guidewire is the Guidewire Live system, which integrates a wide range of data sources and APIs into a single platform. Guidewire Live provides insurance companies access to real-time data and analytics that help them better understand and optimize complex business processes. Guidewire also has a division that specializes in implementation and consulting. Guidewire Professional Services assists insurance companies in implementing and optimizing their Guidewire solutions. The company also offers training and certifications to ensure that customers are able to maximize the benefits of their Guidewire solutions. In summary, Guidewire Software Inc. is an innovative technology company specifically developed for the needs of the insurance industry. It offers a comprehensive range of products and services that help insurance companies optimize their policy issuance, claims handling, underwriting, and core policy administration. By implementing Guidewire solutions, insurance companies can improve customer service, streamline operations, and effectively manage their products.

The expected revenue of Guidewire Software is 1.47 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Guidewire Software is 294.03 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Guidewire Software is currently 44.67. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Guidewire Software stock.

The price-to-sales ratio (P/S) of Guidewire Software is currently 8.95. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Guidewire Software stock.

The Eulerpool Quality Score for Guidewire Software is 6/10.

The ISIN of Guidewire Software is US40171V1008. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Guidewire Software is A1JS4X. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Guidewire Software is GWRE. The ticker symbol is used to trade Guidewire Software shares on the stock exchange.

Guidewire Software paid dividends every year for the past 0 years.

Guidewire Software is assigned to the 'Information technology' sector.

The dividends of Guidewire Software are distributed in USD.

All fundamentals and in-depth analysis of Guidewire Software

Our stock analysis for Guidewire Software stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Guidewire Software. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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