Guidewire Software, Inc. (GWRE) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Guidewire Software, Inc. Do?
Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company 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 to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California. Guidewire Software, Inc. (GWRE) is classified as a large-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Mike Rosenbaum and employs approximately 3,380 people, headquartered in Foster City, California. With a market capitalization of $12.6B, GWRE is one of the prominent companies in the Technology sector.
Guidewire Software, Inc. (GWRE) Stock Rating — Reduce (April 2026)
As of April 2026, Guidewire Software, Inc. receives a Reduce rating with a composite score of 36.0/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.GWRE ranks #2,576 out of 4,446 stocks in our coverage universe. Within the Technology sector, Guidewire Software, Inc. ranks #277 of 584 stocks, placing it in the upper half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
GWRE Stock Price and 52-Week Range
Guidewire Software, Inc. (GWRE) currently trades at $117.95. The stock lost $6.35 (5.1%) in the most recent trading session. The 52-week high for GWRE is $272.60, which means the stock is currently trading -56.7% from its annual peak. The 52-week low is $120.37, putting the stock -2.0% above its annual trough. Recent trading volume was 3.2M shares, reflecting moderate market activity.
Is GWRE Overvalued or Undervalued? — Valuation Analysis
Guidewire Software, Inc. (GWRE) carries a value factor score of 39/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 158.62x, compared to the Technology sector average of 45.27x — a premium of 250%. The price-to-book ratio stands at 8.19x, versus the sector average of 3.16x. The price-to-sales ratio is 10.26x, compared to 1.06x for the average Technology stock. On an enterprise value basis, GWRE trades at 183.35x EV/EBITDA, versus 12.79x for the sector.
At current multiples, Guidewire Software, Inc. trades at a premium to most Technology peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.
Guidewire Software, Inc. Profitability — ROE, Margins, and Quality Score
Guidewire Software, Inc. (GWRE) earns a quality factor score of 34/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 5.2%, compared to the Technology sector average of -1.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 2.9% versus the sector average of -1.0%.
On a margin basis, Guidewire Software, Inc. reports gross margins of 62.2%, compared to 50.9% for the sector. The operating margin is 3.6% (sector: -0.5%). Net profit margin stands at 5.8%, versus -1.5% for the average Technology stock. Revenue growth is running at 49.2% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
GWRE Debt, Balance Sheet, and Financial Health
Guidewire Software, Inc. has a debt-to-equity ratio of 78.0%, compared to the Technology sector average of 43.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 2.93x, indicating strong short-term liquidity. Total debt on the balance sheet is $675M. Cash and equivalents stand at $492M.
GWRE has a beta of 0.79, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Guidewire Software, Inc. is 56/100, reflecting average volatility within the normal range for its sector.
Guidewire Software, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, Guidewire Software, Inc. reported revenue of $1.20B and earnings per share (EPS) of $0.71. Net income for the quarter was $78M. Gross margin was 62.2%. Operating income came in at $50M.
In Q2 2026, Guidewire Software, Inc. reported revenue of $359M and earnings per share (EPS) of $0.71. Net income for the quarter was $60M. Gross margin was 64.5%. Revenue grew 24.0% year-over-year compared to Q2 2025. Operating income came in at $38M.
In FY 2025, Guidewire Software, Inc. reported revenue of $1.20B and earnings per share (EPS) of $0.83. Net income for the quarter was $70M. Gross margin was 62.5%. Revenue grew 22.6% year-over-year compared to FY 2024. Operating income came in at $41M.
In Q3 2025, Guidewire Software, Inc. reported revenue of $294M and earnings per share (EPS) of $0.55. Net income for the quarter was $46M. Gross margin was 62.3%. Revenue grew 22.0% year-over-year compared to Q3 2024. Operating income came in at $4M.
Over the past 8 quarters, Guidewire Software, Inc. has demonstrated a growth trajectory, with revenue expanding from $241M to $1.20B. Investors analyzing GWRE stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
GWRE Dividend Yield and Income Analysis
Guidewire Software, Inc. (GWRE) does not currently pay a dividend. This is common among growth-oriented companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.
GWRE Momentum and Technical Analysis Profile
Guidewire Software, Inc. (GWRE) has a momentum factor score of 24/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 64/100 reflects moderate short selling activity.
GWRE vs Competitors — Technology Sector Ranking and Peer Comparison
Within the Technology sector, Guidewire Software, Inc. (GWRE) ranks #277 out of 584 stocks based on the Blank Capital composite score. This places GWRE in the upper half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.
Comparing GWRE against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full GWRE vs S&P 500 (SPY) comparison to assess how Guidewire Software, Inc. stacks up against the broader market across all factor dimensions.
GWRE Next Earnings Date
No upcoming earnings date has been announced for Guidewire Software, Inc. (GWRE) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy GWRE? — Investment Thesis Summary
The quantitative profile for Guidewire Software, Inc. suggests caution. The quality score of 34/100 flags below-average profitability. The value score of 39/100 indicates premium valuation. Momentum is weak at 24/100, a headwind for near-term performance.
In summary, Guidewire Software, Inc. (GWRE) earns a Reduce rating with a composite score of 36.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on GWRE stock.
Related Resources for GWRE Investors
Explore more research and tools: GWRE vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare GWRE head-to-head with peers: GWRE vs IHS, GWRE vs VRSN, GWRE vs ESE.