Guidewire Software, Inc. (GWRE) Stock Price & Analysis
Guidewire Software, Inc. (GWRE) is trading at USD 189.47, down 0.09% today, as of October 23, 2026 at 15:03 UTC (US market open; quotes may be delayed), according to Nexqual market data.
GWRE last closed at USD 189.64; today's session has ranged USD 186.44–191.33 on volume of 109,745 shares. Market capitalization is $15.53B, with a 52-week range of USD 102.3–255.89 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 15:07 UTC.
Also available as compact Markdown for AI agents: nexqual.com/GWRE.md
Key facts (GWRE)
- Last four reported quarters (through Jul 31, 2026): revenue $1.48B, net income $139M (9.4% margin), free cash flow $378M (SEC filings).
- Valuation: P/E 111.5x (avg 185.8x at the last 2 fiscal year-ends), EV/EBITDA 86.9x, net cash $75.0M.
- 1 of 80 tracked superinvestors hold GWRE (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Buy (mean 1.88 on a 1–5 scale) (16 analysts), mean target USD 213.29 (range 170–258).
- Total return with dividends: 1Y -25.0% vs S&P 500 +14.8%; 5Y +50.7% vs S&P 500 +77.5%.
- Next earnings: 2026-12-03, EPS estimate USD 0.72, revenue estimate $376M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (GWRE)
| USD | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $813M | $905M | $980M | $1.20B | $1.48B | $1.48B |
| Gross profit | $377M | $458M | $583M | $752M | $947M | — |
| Operating income | -$199M | -$149M | -$52.6M | $41.1M | $150M | $150M |
| Net income | -$180M | -$112M | -$6.1M | $69.8M | $139M | $139M |
| EPS (diluted) | -$2.16 | -$1.36 | -$0.07 | $0.81 | $1.63 | — |
| Free cash flow | -$47.5M | $32.6M | $189M | $295M | $378M | $378M |
| Gross margin | 46.4% | 50.6% | 59.5% | 62.5% | 64.2% | — |
| Operating margin | -24.5% | -16.5% | -5.4% | 3.4% | 10.2% | 10.2% |
| Net margin | -22.2% | -12.4% | -0.6% | 5.8% | 9.4% | 9.4% |
| Revenue growth | +9.3% | +11.4% | +8.3% | +22.6% | +22.7% | — |
| Cash + short-term investments | $976M | $799M | $1.00B | $1.15B | $753M | — |
| Total debt | $358M | $397M | $399M | $675M | $678M | — |
Fiscal years end Jul. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jul 31, 2026) (GWRE)
P/E 111.5x · P/S 10.5x · EV/EBITDA 86.9x · EV/Sales 10.5x · P/FCF 41.1x · P/B 13.0x · FCF yield 2.43% · Earnings yield 0.90% · Net cash $75.0M · EV $15.5B
P/E at fiscal year-ends: Jul 2026 93.2x, Jul 2025 278.4x.
Superinvestors (SEC 13F-HR, Q2 2026) (GWRE)
1 of 80 tracked investors hold GWRE. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Bryan Lawrence | Oakcliff Capital | 7.27% | $19.5M | Added +10.1% |
Analysts (GWRE)
Consensus Buy (mean 1.88 on a 1–5 scale), 16 analysts; mean target USD 213.29 (low 170, high 258).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-02 | DA Davidson | Maintained | Buy | $222 |
| 2026-09-09 | DA Davidson | Maintained | Buy | $222 |
| 2026-09-04 | Citigroup | Target raised | Neutral | $137 → $181 |
| 2026-09-04 | Oppenheimer | Target raised | Outperform | $200 → $210 |
| 2026-09-04 | DA Davidson | Maintained | Buy | $222 |
| 2026-09-04 | Wells Fargo | Target raised | Overweight | $190 → $195 |
| 2026-09-04 | RBC Capital | Reiterated | Outperform | $215 |
| 2026-09-04 | Citizens | Reiterated | Market Outperform | $220 |
| 2026-09-04 | BTIG | Target lowered | Buy | $230 → $220 |
| 2026-09-04 | Needham | Reiterated | Hold | |
| 2026-09-04 | Piper Sandler | Maintained | Overweight | $210 |
| 2026-09-02 | BTIG | Target raised | Buy | $175 → $230 |
Total return (dividends reinvested) (GWRE)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -25.0% | +50.7% |
| S&P 500 (SPY) | +14.8% | +77.5% |
| Per year | -25.0% | +8.6% |
| Volatility (annualized) | 61.8% | 43.9% |
| Max drawdown | -59.4% (Oct 2025→Jun 2026) | -58.6% (Sep 2025→Jun 2026) |
GWRE revenue by product line (quarter ended Jul 31, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Subscription and support | $266.7M | 64.9% | +32.1% |
| — Subscription (part of Subscription and support) | $253.5M | 61.7% | +35.9% |
| — Support (part of Subscription and support) | $13.3M | 3.2% | -14.1% |
| License | $77.1M | 18.8% | -17.7% |
| Services | $67.3M | 16.4% | +10.2% |
| Total revenue | $411.1M | 100% | — |
GWRE revenue by region (quarter ended Jul 31, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Total Americas | $309.1M | 75.2% | +12.8% |
| — U.S. (part of Total Americas) | $254.4M | 61.9% | +10.2% |
| — Canada withholding tax refund (part of Total Americas) | $47.6M | 11.6% | +22.8% |
| — Other Americas (part of Total Americas) | $7.1M | 1.7% | +58.9% |
| Total EMEA | $68.4M | 16.6% | +12.6% |
| Total APAC | $33.6M | 8.2% | +53.8% |
| Total revenue | $411.1M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
GWRE suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | Amazon (AMZN) | “We utilize services and technology and intellectual property provided or licensed by unaffiliated third parties to operate our products, including AWS, Okta and Datadog.” |
Quoted from the company's 10-K filed Sep 11, 2026.
GWRE analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Oct 2026) | $0.72 | $0.80 | -9.3% | $376.3M | 15 |
| Next quarter (ends Jan 2027) | $1.07 | $1.04 | +2.9% | $418.6M | 14 |
| Current fiscal year (ends Jul 2027) | $4.19 | $4.08 | +2.6% | $1.72B | 15 |
| Next fiscal year (ends Jul 2028) | $5.35 | $5.06 | +5.7% | $1.99B | 15 |
GWRE options: expected move
Options price a move of about ±20.0% (±$37.85) by Dec 18, 2026, which includes earnings on Dec 3, 2026; the earnings reaction alone is priced at about ±9.8%. Over the last 8 reports the stock moved ±12.1% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 56.4% | ±12.6% |
| Dec 18, 2026 | 56 | 63.9% | ±20.0% |
| Jan 15, 2027 | 84 | 58.8% | ±22.5% |
| Apr 16, 2027 | 175 | 58.6% | ±32.1% |
| Nov 19, 2027 | 392 | 57.1% | ±46.2% |
30-day implied volatility 57.8% vs 54.4% realized over the last 30 trading days. Put/call ratio (volume) 15.4. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 15:07 UTC)
| Price | USD 189.47 |
|---|---|
| Change | ▼ 0.09% (down) |
| Previous Close | USD 189.64 |
| Open | USD 189.11 |
| Day Range | USD 186.44 – 191.33 |
| 52-Week Range | USD 102.3 – 255.89 |
| Volume | 109,745 shares |
| Market Cap | $15.53B |
| Exchange | NYQ |
Technical Analysis (GWRE)
Nexqual's technical model rates GWRE "BUY" based on 5 bullish and 2 bearish signals across 128 daily candles, as of October 23, 2026 at 15:07 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 71.48 (overbought) |
| vs SMA50 | Above (USD 167.95) |
| MACD | 7.08 (positive) |
Analyst Ratings (GWRE)
Wall Street analysts rate GWRE "Buy" based on 16 analysts, with a mean price target of USD 213.29 (range USD 170–258), per Nexqual as of October 23, 2026 at 15:07 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 16 |
| Mean Target | USD 213.29 |
| High Target | USD 258 |
| Low Target | USD 170 |
| Buy / Hold / Sell | 13 / 3 / 0 |
Earnings (GWRE)
| Next Earnings Date | 2026-12-03 |
|---|---|
| EPS Estimate | USD 0.72 |
| Revenue Estimate | $376.31M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-07-31 | USD 0.99 vs est 0.94 ▲ beat |
| 2026-04-30 | USD 0.82 vs est 0.74 ▲ beat |
| 2026-01-31 | USD 1.17 vs est 0.77 ▲ beat |
| 2025-10-31 | USD 0.66 vs est 0.61 ▲ beat |
Source: Nexqual, October 23, 2026 at 15:07 UTC.
Financials & Fundamentals (GWRE)
| Total Revenue | $1.48B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +15.30% |
| Gross Margin | +64.21% |
| Operating Margin | +15.16% |
| Profit Margin | +9.44% |
| ROE | +10.51% |
| Debt / Equity | 0.6 |
| Current Ratio | 1.79 |
| Total Cash | $777.16M |
| Total Debt | $714.99M |
| Free Cash Flow (last four quarters to Jul 2026, SEC 10-Q / 10-K) | $377.66M (25.6% of revenue) |
Source: Nexqual, October 23, 2026 at 15:07 UTC.
Financial Health Score (GWRE)
Nexqual rates Guidewire Software, Inc.'s overall financial health "Strong" across five dimensions, as of October 23, 2026 at 15:07 UTC.
| Growth | Strong — Revenue +23% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 64%, operating 15% (last 12 months) |
| Balance Sheet | Solid — $753M cash and investments vs $678M debt (Jul 2026, SEC), net cash |
| Cash Flow | Strong — FCF $378M (last 4 quarters to Jul 2026, SEC), 26% margin |
| Efficiency | Mixed — ROE 11%, ROA 3.5% |
Ownership (GWRE)
| Insider Ownership | +0.58% |
|---|---|
| Institutional Ownership | +105.64% |
| Shares Outstanding | 81.99M |
| Float | 74.34M |
| Short % of Float | +3.96% |
Source: Nexqual, October 23, 2026 at 15:07 UTC.
Leadership (GWRE)
Guidewire Software, Inc. is led by Michael George Rosenbaum, CEO & Director, per Nexqual as of October 23, 2026 at 15:07 UTC.
| CEO & Director | Michael George Rosenbaum |
|---|---|
| President | John Mullen |
| Chief Financial Officer | Jeffrey Elliott Cooper |
| Chief Marketing Officer | Brian Desmond |
| Senior Vice President of Strategic Accounts | Steven Sherry |
Major Backers & Investors (GWRE)
Notable institutional backers of Guidewire Software, Inc. include BAMCO Inc., Linonia Partnership LP, BARON SELECT FUNDS-Baron Partners Fund, according to Nexqual as of October 23, 2026 at 15:07 UTC.
Active Investors
| Investor | Stake |
|---|---|
| BAMCO Inc. | 10.8% |
| Linonia Partnership LP | 8.33% |
| BARON SELECT FUNDS-Baron Partners Fund | 5.82% |
| Darsana Capital Partners, LP | 4.57% |
| JPMorgan | 2.7% |
| Massachusetts Financial Services Co. | 2.44% |
| Route One Investment Company, L.P. | 2.22% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 10.7% |
| Vanguard Group | 10.03% |
| State Street | 3.22% |
Source: Nexqual, October 23, 2026 at 15:07 UTC.
From Guidewire Software, Inc.'s Latest SEC 10-K Filing (filed 2026-09-11)
Key Strengths & Strategy (as disclosed to the SEC)
- GWCP is a Guidewire-developed infrastructure layer enabled by and hosted on Amazon Web Services ("AWS").
- Our success and ability to compete depend in part upon our ability to protect our proprietary technology, to establish and adequately protect our intellectual property rights, and to protect against third-party claims and litigation related to intellectual property.
- Guidewire ClaimCenter is a complete end-to-end claims management solution that offers core claims management and servicing functionality.
- Our platform combines core systems of record with digital, analytics, and predictive and generative artificial intelligence ("AI") capabilities.
Partnerships
- We reach customers directly through our global sales team and in partnership with third-party global system integrators ("SIs").
Legal & Regulatory Risks (Item 1A, quoted)
- Changes in accounting standards or our accounting estimates, or variability between GAAP results and key metrics, may adversely affect our operating results and stock price.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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| Symbol | Name | Price | Change |
|---|---|---|---|
| DOCU | DocuSign, Inc. | USD 84.96 | ▲ 0.65% |
| TYL | Tyler Technologies, Inc. | USD 389.21 | ▼ 0.83% |
| MANH | Manhattan Associates, Inc. | USD 241.76 | ▼ 0.17% |
| HUBS | HubSpot, Inc. | USD 268.48 | ▲ 0.48% |
| U | Unity Software Inc. | USD 41.02 | ▲ 1.86% |
| FICO | Fair Isaac Corporation | USD 814.97 | ▼ 1.01% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 15:07 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt