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Guidewire Software (GWRE) Financials

Guidewire Software logo
$146.75 -2.13 (-1.43%)
Closing price 03:59 PM Eastern
Extended Trading
$148.25 +1.50 (+1.02%)
As of 07:55 PM Eastern
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Annual Income Statements for Guidewire Software

Annual Income Statements for Guidewire Software

This table shows Guidewire Software's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 7/31/2016 7/31/2017 7/31/2018 7/31/2019 7/31/2020 7/31/2021 7/31/2022 7/31/2023 7/31/2024 7/31/2025 7/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 560 18 -27 21 -27 -67 -180 -112 -6.10 70 139
Consolidated Net Income / (Loss)		 15 18 -27 21 -27 -67 -180 -112 -6.10 70 139
Net Income / (Loss) Continuing Operations		 560 18 -27 21 -27 -67 -180 -112 -6.10 70 139
Total Pre-Tax Income 		21 29 -8.28 12 -24 -104 -230 -134 -27 49 164
Total Operating Income		 16 22 -16 1.47 -24 -106 -199 -149 -53 41 150
Total Gross Profit		 545 318 356 395 404 390 377 458 583 752 947
Total Revenue		 436 510 653 720 742 743 813 905 980 1,202 1,475
Operating Revenue		 436 510 653 720 742 743 813 905 980 1,202 1,475
Total Cost of Revenue		 -109 192 297 324 338 354 435 447 397 450 528
Operating Cost of Revenue		 103 192 297 324 338 354 435 447 397 450 528
Total Operating Expenses		 -16 296 372 394 428 495 577 608 636 711 797
Selling, General & Admin Expense		 51 57 76 74 85 143 165 170 168 184 198
Marketing Expense		 93 109 124 131 142 151 183 188 199 230 259
Research & Development Expense		 112 130 172 189 201 201 229 250 269 296 340
Total Other Income / (Expense), net		 4.35 6.67 7.35 11 -0.45 1.30 -30 15 26 8.33 14
Interest Expense		 0.00 0.01 6.44 17 18 19 19 6.72 6.74 13 13
Interest & Investment Income		 4.85 5.87 13 30 25 7.40 6.28 24 43 57 49
Other Income / (Expense), net		 -0.51 0.81 0.51 -1.87 -7.21 13 -17 -2.28 -11 -35 -21
Income Tax Expense		 5.81 10 18 -8.28 2.87 -38 -49 -22 -21 -20 25
Basic Earnings per Share		 $0.21 $0.24 ($0.34) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.83 $1.65
Weighted Average Basic Shares Outstanding		 72.03M 73.99M 77.71M 81.45M 82.86M 83.58M 83.57M 82.18M 82.29M 83.85M 84.19M
Diluted Earnings per Share		 $0.20 $0.24 ($0.34) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.81 $1.63
Weighted Average Diluted Shares Outstanding		 73.77M 75.33M 77.71M 82.68M 82.86M 83.58M 83.57M 82.18M 82.29M 85.91M 85.41M
Weighted Average Basic & Diluted Shares Outstanding		 71.30M 73.20M 78.70M 82.90M 83.47M 83.08M 84.08M 81.44M 83.03M 84.53M 81.99M

Quarterly Income Statements for Guidewire Software

This table shows Guidewire Software's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 1/31/2024 4/30/2024 7/31/2024 10/31/2024 1/31/2025 4/30/2025 7/31/2025 10/31/2025 1/31/2026 4/30/2026 7/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.69 -5.48 17 9.14 -37 46 52 31 60 16 31
Consolidated Net Income / (Loss)		 9.69 -5.48 17 9.14 -37 46 52 31 60 16 31
Net Income / (Loss) Continuing Operations		 9.69 -5.48 17 9.14 -37 46 52 31 60 16 31
Total Pre-Tax Income 		6.96 -14 19 2.77 -43 49 41 25 75 20 45
Total Operating Income		 -12 -17 10 -4.72 12 4.47 30 18 38 31 62
Total Gross Profit		 142 142 186 158 179 183 232 210 232 237 270
Total Revenue		 241 241 292 263 289 294 357 333 359 373 411
Operating Revenue		 241 241 292 263 289 294 357 333 359 373 411
Total Cost of Revenue		 98 98 105 105 110 111 125 123 128 136 141
Operating Cost of Revenue		 98 98 105 105 110 111 125 123 128 136 141
Total Operating Expenses		 155 159 176 163 167 178 202 191 193 206 207
Selling, General & Admin Expense		 40 42 46 43 42 48 52 48 48 50 52
Marketing Expense		 49 50 55 51 55 58 66 64 61 68 65
Research & Development Expense		 65 66 75 69 70 73 84 78 83 88 91
Total Other Income / (Expense), net		 19 2.60 8.57 7.49 -55 44 11 6.02 36 -11 -17
Interest Expense		 1.69 1.69 1.68 2.06 4.18 3.67 3.30 3.31 3.33 3.32 3.36
Interest & Investment Income		 10 11 12 14 16 14 14 15 12 11 10
Other Income / (Expense), net		 11 -6.54 -1.50 -4.06 -66 34 1.18 -5.31 27 -19 -24
Income Tax Expense		 -2.72 -8.62 2.13 -6.37 -5.75 2.68 -11 -6.81 14 3.29 14
Basic Earnings per Share		 $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.55 $0.62 $0.37 $0.71 $0.20 $0.37
Weighted Average Basic Shares Outstanding		 82.13M 82.50M 82.29M 83.28M 83.71M 84.04M 83.85M 84.78M 84.86M 84.24M 84.19M
Diluted Earnings per Share		 $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.54 $0.61 $0.36 $0.70 $0.19 $0.38
Weighted Average Diluted Shares Outstanding		 83.31M 82.50M 82.29M 85.96M 83.71M 85.88M 85.91M 86.45M 86.12M 85.07M 85.41M
Weighted Average Basic & Diluted Shares Outstanding		 83.32M 82.66M 83.03M 83.52M 83.88M 84.20M 84.53M 85.02M 84.66M 83.26M 81.99M

Annual Cash Flow Statements for Guidewire Software

This table details how cash moves in and out of Guidewire Software's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 7/31/2016 7/31/2017 7/31/2018 7/31/2019 7/31/2020 7/31/2021 7/31/2022 7/31/2023 7/31/2024 7/31/2025 7/31/2026
Net Change in Cash & Equivalents		 11 40 174 -183 113 18 230 -208 38 26 -458
Net Cash From Operating Activities		 100 139 140 116 113 112 -38 38 196 301 390
Net Cash From Continuing Operating Activities		 100 139 140 116 113 112 -38 38 90 181 257
Net Income / (Loss) Continuing Operations		 15 18 -27 21 -27 -67 -180 -112 -6.10 70 139
Consolidated Net Income / (Loss)		 15 18 -27 21 -27 -67 -180 -112 -6.10 70 139
Depreciation Expense		 8.84 19 36 40 43 37 34 25 22 24 28
Amortization Expense		 2.52 1.46 3.09 9.95 21 32 34 15 17 24 33
Non-Cash Adjustments To Reconcile Net Income		 59 64 91 75 65 103 163 120 50 57 42
Changes in Operating Assets and Liabilities, net		 15 36 38 -30 12 6.26 -89 -9.14 6.32 6.07 15
Net Cash From Investing Activities		 -101 -113 -538 -301 -5.80 64 312 13 -52 -237 -136
Net Cash From Continuing Investing Activities		 -101 -113 -538 -301 -5.80 64 311 13 -52 -237 -136
Purchase of Property, Plant & Equipment		 -7.11 -6.67 -12 -49 -26 -29 -22 -17 -19 -20 -31
Acquisitions		 -40 -188 -130 - 0.00 0.00 -44 0.00 0.00 -27 -38
Purchase of Investments		 -652 -467 -860 -1,209 -1,283 -1,035 -532 -517 -617 -860 -874
Divestitures		 - - - - - - - 0.00 6.55 5.67 0.78
Sale and/or Maturity of Investments		 597 548 464 957 1,303 1,129 909 547 577 665 806
Net Cash From Financing Activities		 13 13 573 3.95 4.96 -159 -37 -262 1.06 82 -579
Net Cash From Continuing Financing Activities		 13 13 573 3.95 4.96 -159 -37 -262 1.06 82 -579
Repayment of Debt		 - - - - - - - 0.00 0.00 -356 0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -161 -37 -262 0.00 0.00 -606
Issuance of Debt		 0.00 0.00 387 - - - - 0.00 0.00 672 0.00
Issuance of Common Equity		 0.00 0.00 221 - - - - - 0.00 0.00 27
Other Financing Activities, net		 13 13 -35 3.95 4.96 1.93 0.12 0.23 1.06 -234 0.73
Cash Interest Paid		 - 0.00 0.00 5.04 5.00 5.00 5.00 5.00 5.00 12 9.30
Cash Income Taxes Paid		 3.91 3.70 4.74 4.56 4.89 4.16 4.32 5.17 8.92 7.56 13

Quarterly Cash Flow Statements for Guidewire Software

This table details how cash moves in and out of Guidewire Software's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 1/31/2024 4/30/2024 7/31/2024 10/31/2024 1/31/2025 4/30/2025 7/31/2025 10/31/2025 1/31/2026 4/30/2026 7/31/2026
Net Change in Cash & Equivalents		 49 9.61 188 276 -126 -187 188 -206 -85 -113 -54
Net Cash From Operating Activities		 69 4.80 194 -62 86 32 245 -67 112 61 284
Net Cash From Continuing Operating Activities		 69 4.80 194 -62 86 32 245 -67 112 61 151
Net Income / (Loss) Continuing Operations		 9.69 -5.48 17 9.14 -37 46 52 31 60 16 31
Consolidated Net Income / (Loss)		 9.69 -5.48 17 9.14 -37 46 52 31 60 16 31
Depreciation Expense		 5.49 5.59 5.78 5.85 5.73 5.97 6.22 6.36 7.04 7.23 7.32
Amortization Expense		 1.82 1.29 1.98 5.10 2.59 3.72 4.72 7.83 7.43 8.12 9.31
Non-Cash Adjustments To Reconcile Net Income		 55 3.38 84 2.42 104 -8.47 82 16 35 -5.21 -4.19
Changes in Operating Assets and Liabilities, net		 -2.50 0.02 85 -85 11 -15 100 -129 2.18 35 107
Net Cash From Investing Activities		 -23 6.15 -7.29 -78 -53 -48 -58 -139 -66 71 -2.57
Net Cash From Continuing Investing Activities		 -23 6.15 -7.29 -78 -53 -48 -58 -139 -66 71 -2.57
Purchase of Property, Plant & Equipment		 -5.36 -4.05 -4.43 -5.08 -3.71 -4.52 -7.15 -9.97 -6.39 -7.52 -7.19
Acquisitions		 - - - - - - -0.13 - - -0.20 -4.50
Purchase of Investments		 -155 -139 -163 -212 -218 -244 -186 -319 -219 -122 -214
Sale and/or Maturity of Investments		 130 149 167 140 163 227 135 190 193 200 223
Net Cash From Financing Activities		 0.00 0.01 1.04 416 -156 -178 0.73 0.41 -135 -244 -200
Net Cash From Continuing Financing Activities		 0.00 0.01 1.04 416 -156 -178 0.73 0.41 -135 -244 -200
Repurchase of Common Equity		 - - - - - - - - - -244 -214
Issuance of Common Equity		 - - - - - - - - - - 13
Other Financing Activities, net		 0.00 0.01 1.04 -57 0.53 0.71 0.73 0.41 0.12 0.01 0.19
Cash Interest Paid		 - 2.50 - 2.64 0.44 3.92 4.80 0.17 4.48 0.17 4.47
Cash Income Taxes Paid		 1.86 3.43 2.75 2.60 1.37 2.35 1.23 1.95 1.99 3.02 6.21

Annual Balance Sheets for Guidewire Software

This table presents Guidewire Software's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 7/31/2016 7/31/2017 7/31/2018 7/31/2019 7/31/2020 7/31/2021 7/31/2022 7/31/2023 7/31/2024 7/31/2025 7/31/2026
Total Assets		 916 1,079 1,981 2,167 2,365 2,322 2,267 2,028 2,226 2,721 2,577
Total Current Assets		 708 679 1,222 1,335 1,343 1,355 1,253 1,100 1,296 1,507 1,187
Cash & Equivalents		 224 263 437 254 367 385 606 402 548 698 373
Short-Term Investments		 405 310 630 870 767 735 370 397 456 452 380
Accounts Receivable		 63 79 125 175 164 183 144 151 137 141 194
Prepaid Expenses		 17 27 30 36 46 53 61 62 68 86 99
Other Current Assets		 - - - - - - 72 88 87 131 141
Plant, Property, & Equipment, net		 13 14 19 66 65 80 81 54 55 60 68
Total Noncurrent Assets		 196 385 740 766 956 886 933 874 875 1,153 1,322
Long-Term Investments		 108 115 191 214 301 227 188 129 126 334 462
Goodwill		 30 142 341 341 341 341 372 372 372 394 423
Intangible Assets		 14 71 96 67 40 20 21 14 9.01 12 16
Noncurrent Deferred & Refundable Income Taxes		 31 37 90 90 102 138 191 227 253 297 287
Other Noncurrent Operating Assets		 12 20 23 55 173 160 161 131 115 116 134
Total Liabilities & Shareholders' Equity		 916 1,079 1,981 2,167 2,365 2,322 2,267 2,028 2,226 2,721 2,577
Total Liabilities		 132 190 568 593 708 777 815 828 884 1,264 1,383
Total Current Liabilities		 119 168 238 232 225 300 338 373 838 545 664
Accounts Payable		 9.93 13 31 34 23 28 40 35 15 29 38
Current Deferred Revenue		 60 96 127 108 118 139 171 207 282 340 437
Current Employee Benefit Liabilities		 41 49 60 73 59 102 91 104 109 141 146
Other Current Liabilities		 7.62 10 20 16 26 32 35 28 33 35 43
Total Noncurrent Liabilities		 13 22 330 360 483 477 478 455 46 719 719
Long-Term Debt		 - 0.00 305 317 330 344 358 397 0.00 675 678
Noncurrent Deferred Revenue		 9.75 20 24 24 15 7.24 7.50 5.99 3.63 4.53 1.63
Other Noncurrent Operating Liabilities		 3.42 2.11 0.77 20 138 126 112 52 42 40 39
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457 1,194
Total Preferred & Common Equity		 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457 1,194
Total Common Equity		 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457 1,194
Common Stock		 743 828 1,296 1,392 1,499 1,617 1,755 1,831 1,979 2,020 2,230
Retained Earnings		 48 66 125 190 163 -66 -284 -618 -624 -554 -1,024
Accumulated Other Comprehensive Income / (Loss)		 -6.59 -5.80 -7.75 -7.76 -5.25 -6.22 -20 -14 -12 -8.92 -12

Quarterly Balance Sheets for Guidewire Software

This table presents Guidewire Software's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 1/31/2023 4/30/2023 10/31/2023 1/31/2024 4/30/2024 10/31/2024 1/31/2025 4/30/2025 10/31/2025 1/31/2026 4/30/2026
Total Assets		 2,004 1,917 1,920 2,014 2,040 2,597 2,543 2,488 2,639 2,692 2,535
Total Current Assets		 1,006 1,007 977 1,061 1,082 1,637 1,478 1,313 1,357 1,346 1,215
Cash & Equivalents		 275 267 301 350 360 824 697 510 492 408 295
Short-Term Investments		 440 421 412 428 423 515 471 410 520 511 455
Accounts Receivable		 228 257 93 128 104 97 123 147 95 163 139
Prepaid Expenses		 64 61 62 64 69 72 72 78 88 89 102
Other Current Assets		 - - 109 91 126 129 114 167 163 175 225
Plant, Property, & Equipment, net		 79 54 55 55 55 55 54 56 65 65 67
Total Noncurrent Assets		 919 856 888 898 903 904 1,011 1,120 1,217 1,280 1,253
Long-Term Investments		 155 119 141 155 152 142 243 323 397 432 397
Goodwill		 372 372 372 372 372 372 372 394 394 422 421
Intangible Assets		 17 16 13 12 10 7.64 6.36 13 11 20 18
Noncurrent Deferred & Refundable Income Taxes		 218 231 240 243 256 275 281 281 305 293 294
Other Noncurrent Operating Assets		 156 119 122 115 113 107 108 108 109 113 123
Total Liabilities & Shareholders' Equity		 2,004 1,917 1,920 2,014 2,040 2,597 2,543 2,488 2,639 2,692 2,535
Total Liabilities		 784 721 714 757 755 1,329 1,274 1,125 1,106 1,181 1,218
Total Current Liabilities		 275 275 262 307 705 615 559 406 390 459 497
Accounts Payable		 38 36 19 22 24 31 25 29 34 29 35
Current Deferred Revenue		 146 143 171 195 182 224 265 259 254 308 301
Current Employee Benefit Liabilities		 58 73 47 63 77 52 61 89 70 85 118
Other Current Liabilities		 33 24 25 27 25 29 29 29 32 38 44
Total Noncurrent Liabilities		 509 446 452 450 50 713 715 720 716 722 721
Long-Term Debt		 396 397 398 398 0.00 672 673 674 675 676 677
Noncurrent Deferred Revenue		 6.02 5.69 3.92 4.07 3.21 3.19 3.11 4.94 2.46 4.98 3.72
Other Noncurrent Operating Liabilities		 106 44 50 48 47 38 39 41 38 41 40
Total Equity & Noncontrolling Interests		 1,220 1,195 1,206 1,256 1,285 1,268 1,269 1,363 1,533 1,511 1,317
Total Preferred & Common Equity		 1,220 1,195 1,206 1,256 1,285 1,268 1,269 1,363 1,533 1,511 1,317
Total Common Equity		 1,220 1,195 1,206 1,256 1,285 1,268 1,269 1,363 1,533 1,511 1,317
Common Stock		 1,719 1,795 1,867 1,904 1,941 1,895 1,936 1,977 2,064 2,125 2,170
Retained Earnings		 -483 -584 -645 -635 -641 -615 -652 -606 -523 -611 -846
Accumulated Other Comprehensive Income / (Loss)		 -16 -15 -17 -12 -15 -12 -15 -8.60 -7.91 -2.96 -7.11

Annual Metrics And Ratios for Guidewire Software

This table displays calculated financial ratios and metrics derived from Guidewire Software's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 7/31/2016 7/31/2017 7/31/2018 7/31/2019 7/31/2020 7/31/2021 7/31/2022 7/31/2023 7/31/2024 7/31/2025 7/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 83,256,364.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 83,256,364.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.67
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.60% 16.84% 28.13% 10.21% 3.17% 0.13% 9.33% 11.41% 8.30% 22.64% 22.70%
EBITDA Growth		 1.78% 57.05% -44.96% 109.87% -34.46% -175.15% -509.67% 24.58% 69.13% 224.86% 250.56%
EBIT Growth		 9.91% 42.30% -166.67% 97.38% -7,751.26% -199.01% -132.93% 29.91% 58.11% 109.41% 2,054.77%
NOPAT Growth		 21.62% 16.92% -178.97% 122.39% -782.70% -342.03% -88.90% 25.05% 64.83% 257.70% 119.16%
Net Income Growth		 51.50% 20.67% -247.98% 177.52% -231.19% -144.53% -171.30% 38.01% 94.54% 1,243.77% 99.53%
EPS Growth		 42.86% 20.00% -241.67% 173.53% -232.00% -139.39% -173.42% 37.04% 94.85% 1,257.14% 101.23%
Operating Cash Flow Growth		 56.89% 38.90% 1.23% -17.32% -2.64% -1.31% -134.00% 201.20% 409.83% 53.70% 29.53%
Free Cash Flow Firm Growth		 -2,545.29% -462.87% -95.19% 66.52% 82.72% -304.21% -284.80% 47.63% 115.82% 7.09% 451.87%
Invested Capital Growth		 313.66% 317.06% 129.47% 20.21% -0.19% -1.91% 19.20% 3.55% -8.52% 5.95% 1.22%
Revenue Q/Q Growth		 6.58% 4.84% 10.57% -4.12% 5.07% -1.88% 1.90% 2.88% 2.25% 5.72% 3.84%
EBITDA Q/Q Growth		 1.62% 74.08% 121.19% -28.35% 1,886.90% -181.04% -27.78% 24.33% -3.14% 139.05% 12.71%
EBIT Q/Q Growth		 2.35% 171.20% 36.40% -101.55% 48.90% -127.06% -18.25% 22.96% -1.43% 137.41% 6.40%
NOPAT Q/Q Growth		 32.51% 103.80% 39.79% -94.13% 49.34% -72.64% -19.20% 20.40% 7.43% 110.08% 8.54%
Net Income Q/Q Growth		 39.03% 73.87% 56.76% -63.37% 36.70% -149.09% -19.94% 27.88% 42.65% 101.68% -12.86%
EPS Q/Q Growth		 42.86% 71.43% 56.96% -66.22% 35.29% -146.88% -19.34% 26.88% 50.00% 97.56% -12.37%
Operating Cash Flow Q/Q Growth		 19.42% 37.66% 13.42% -0.83% 3.94% 1.08% -187.90% 174.92% 11.72% 20.44% 11.14%
Free Cash Flow Firm Q/Q Growth		 27.26% 20.87% -13.21% -4.61% 43.96% 0.82% -8.64% 36.58% 551.57% 241.73% 91.92%
Invested Capital Q/Q Growth		 -20.26% -17.23% -0.64% -6.46% -5.84% -10.84% -9.65% -14.75% -18.34% -18.16% -22.54%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 125.02% 62.41% 54.54% 54.92% 54.46% 52.41% 46.42% 50.61% 59.50% 62.54% 64.21%
EBITDA Margin		 6.26% 8.41% 3.61% 6.88% 4.37% -3.28% -18.29% -12.38% -3.53% 3.59% 12.85%
Operating Margin		 3.77% 4.29% -2.39% 0.20% -3.22% -14.21% -24.54% -16.51% -5.36% 3.42% 10.16%
EBIT Margin		 3.65% 4.45% -2.32% -0.06% -4.19% -12.51% -26.65% -16.76% -6.48% 0.50% 8.74%
Profit (Net Income) Margin		 3.43% 3.55% -4.10% 2.88% -3.66% -8.95% -22.20% -12.36% -0.62% 5.81% 9.44%
Tax Burden Percent		 72.06% 63.35% 323.14% 166.50% 111.78% 63.78% 78.55% 83.42% 22.74% 141.32% 84.87%
Interest Burden Percent		 130.44% 125.82% 54.75% -3,144.44% 78.26% 112.17% 106.08% 88.36% 42.21% 825.87% 127.34%
Effective Tax Rate		 27.94% 36.65% 0.00% -66.50% 0.00% 0.00% 0.00% 0.00% 0.00% -41.32% 15.13%
Return on Invested Capital (ROIC)		 39.64% 11.13% -3.31% 0.48% -3.02% -13.50% -23.50% -15.91% -5.74% 9.21% 19.49%
ROIC Less NNEP Spread (ROIC-NNEP)		 39.19% 10.54% -1.38% -1.37% -2.04% -14.20% -18.98% -14.83% -10.61% 7.68% 17.70%
Return on Net Nonoperating Assets (RNNOA)		 -37.60% -8.97% 0.98% 0.90% 1.34% 9.35% 11.45% 7.47% 5.26% -4.22% -8.98%
Return on Equity (ROE)		 2.03% 2.16% -2.32% 1.39% -1.68% -4.15% -12.04% -8.44% -0.48% 4.99% 10.51%
Cash Return on Invested Capital (CROIC)		 -82.49% -111.51% -81.90% -17.88% -2.83% -11.57% -41.01% -19.40% 3.15% 3.43% 18.28%
Operating Return on Assets (OROA)		 1.86% 2.27% -0.99% -0.02% -1.37% -3.97% -9.44% -7.07% -2.99% 0.24% 4.87%
Return on Assets (ROA)		 1.75% 1.81% -1.75% 1.00% -1.20% -2.84% -7.86% -5.21% -0.29% 2.82% 5.26%
Return on Common Equity (ROCE)		 2.03% 2.16% -2.32% 1.39% -1.68% -4.15% -12.04% -8.44% -0.48% 4.99% 10.51%
Return on Equity Simple (ROE_SIMPLE)		 1.91% 2.03% -1.89% 1.32% -1.64% -4.31% -12.43% -9.33% -0.45% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 12 14 -11 2.45 -17 -74 -140 -105 -37 58 127
NOPAT Margin		 2.72% 2.72% -1.68% 0.34% -2.25% -9.94% -17.18% -11.56% -3.75% 4.83% 8.62%
Net Nonoperating Expense Percent (NNEP)		 0.44% 0.59% -1.93% 1.85% -0.99% 0.70% -4.51% -1.08% 4.87% 1.53% 1.80%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - - - 2.72% 6.80%
Cost of Revenue to Revenue		 -25.02% 37.60% 45.46% 45.08% 45.54% 47.59% 53.58% 49.39% 40.50% 37.46% 35.79%
SG&A Expenses to Revenue		 11.67% 11.10% 11.63% 10.34% 11.48% 19.26% 20.28% 18.75% 17.09% 15.34% 13.45%
R&D to Revenue		 25.80% 25.58% 26.29% 26.20% 27.02% 27.11% 28.21% 27.59% 27.47% 24.63% 23.05%
Operating Expenses to Revenue		 -3.77% 58.11% 56.93% 54.72% 57.68% 66.62% 70.96% 67.12% 64.86% 59.13% 54.05%
Earnings before Interest and Taxes (EBIT)		 16 23 -15 -0.40 -31 -93 -217 -152 -64 5.98 129
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 43 24 50 32 -24 -149 -112 -35 43 190
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 5.69 6.04 4.89 5.31 5.91 6.20 4.49 5.76 9.24 13.07 10.60
Price to Tangible Book Value (P/TBV)		 6.03 7.95 7.08 7.16 7.67 8.09 6.16 8.50 12.90 18.12 16.78
Price to Revenue (P/Rev)		 10.22 10.53 10.60 11.61 13.18 12.89 8.02 7.63 12.65 15.84 8.57
Price to Earnings (P/E)		 7.96 296.99 0.00 402.83 0.00 0.00 0.00 0.00 0.00 272.86 90.82
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 12.57% 0.34% 0.00% 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% 0.37% 1.10%
Enterprise Value to Invested Capital (EV/IC)		 77.33 23.31 12.95 13.24 15.71 15.82 8.83 9.53 19.07 28.12 18.45
Enterprise Value to Revenue (EV/Rev)		 8.54 9.18 9.14 10.19 11.70 11.54 7.03 7.04 11.91 15.17 8.21
Enterprise Value to EBITDA (EV/EBITDA)		 136.39 109.18 252.89 148.08 267.61 0.00 0.00 0.00 0.00 421.97 63.91
Enterprise Value to EBIT (EV/EBIT)		 233.63 206.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,049.33 93.99
Enterprise Value to NOPAT (EV/NOPAT)		 314.24 337.87 0.00 2,993.32 0.00 0.00 0.00 0.00 0.00 314.25 95.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 37.26 33.72 42.47 63.13 76.79 76.86 0.00 166.11 59.64 60.62 31.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 578.33 843.67 101.53
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.22 0.20 0.20 0.22 0.25 0.33 0.30 0.46 0.57
Long-Term Debt to Equity		 0.00 0.00 0.22 0.20 0.20 0.22 0.25 0.33 0.00 0.46 0.57
Financial Leverage		 -0.96 -0.85 -0.71 -0.66 -0.66 -0.66 -0.60 -0.50 -0.50 -0.55 -0.51
Leverage Ratio		 1.16 1.19 1.33 1.39 1.40 1.46 1.53 1.62 1.67 1.77 2.00
Compound Leverage Factor		 1.52 1.50 0.73 -43.66 1.10 1.64 1.62 1.43 0.71 14.59 2.55
Debt to Total Capital		 0.00% 0.00% 17.75% 16.78% 16.62% 18.20% 19.79% 24.88% 22.90% 31.64% 36.23%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 22.90% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 17.75% 16.78% 16.62% 18.20% 19.79% 24.88% 0.00% 31.64% 36.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 82.25% 83.22% 83.38% 81.80% 80.21% 75.12% 77.10% 68.36% 63.77%
Debt to EBITDA		 0.00 0.00 12.93 6.41 10.18 -14.10 -2.41 -3.54 -11.52 15.61 3.58
Net Debt to EBITDA		 0.00 0.00 -40.40 -20.61 -34.03 41.12 5.42 4.73 21.11 -18.71 -2.83
Long-Term Debt to EBITDA		 0.00 0.00 12.93 6.41 10.18 -14.10 -2.41 -3.54 0.00 15.61 3.58
Debt to NOPAT		 0.00 0.00 -27.90 129.56 -19.75 -4.65 -2.57 -3.80 -10.84 11.62 5.33
Net Debt to NOPAT		 0.00 0.00 87.13 -416.65 66.03 13.57 5.77 5.07 19.85 -13.93 -4.22
Long-Term Debt to NOPAT		 0.00 0.00 -27.90 129.56 -19.75 -4.65 -2.57 -3.80 0.00 11.62 5.33
Altman Z-Score		 21.60 18.11 8.30 9.52 9.23 8.09 5.15 5.21 8.62 9.63 5.91
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 5.94 4.03 5.13 5.75 5.96 4.51 3.71 2.95 1.55 2.77 1.79
Quick Ratio		 5.80 3.88 5.01 5.59 5.76 4.34 3.32 2.54 1.36 2.37 1.42
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 -139 -271 -91 -16 -63 -244 -128 20 22 119
Operating Cash Flow to CapEx		 1,404.87% 2,080.34% 1,169.42% 237.69% 440.63% 386.73% -174.23% 220.32% 1,056.56% 1,470.87% 1,254.76%
Free Cash Flow to Firm to Interest Expense		 0.00 -10,673.80 -42.04 -5.23 -0.87 -3.38 -12.53 -19.00 3.00 1.64 8.95
Operating Cash Flow to Interest Expense		 0.00 10,673.77 21.80 6.70 6.30 5.96 -1.95 5.72 29.05 22.77 29.25
Operating Cash Flow Less CapEx to Interest Expense		 0.00 10,160.69 19.94 3.88 4.87 4.42 -3.07 3.12 26.30 21.23 26.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.51 0.51 0.43 0.35 0.33 0.32 0.35 0.42 0.46 0.49 0.56
Accounts Receivable Turnover		 6.99 7.17 6.39 4.80 4.38 4.29 4.97 6.14 6.80 8.65 8.83
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 34.73 37.29 39.60 17.05 11.33 10.23 10.11 13.39 17.84 20.76 23.01
Accounts Payable Turnover		 0.00 16.41 13.47 10.00 11.88 14.02 12.76 11.91 15.94 20.47 15.79
Days Sales Outstanding (DSO)		 52.25 50.94 57.11 76.10 83.32 85.17 73.42 59.43 53.67 42.19 41.36
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 22.24 27.09 36.51 30.72 26.04 28.61 30.64 22.90 17.83 23.11
Cash Conversion Cycle (CCC)		 52.25 28.70 30.02 39.59 52.61 59.13 44.81 28.79 30.77 24.36 18.25
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 48 201 461 554 553 542 646 669 612 649 656
Invested Capital Turnover		 14.59 4.09 1.97 1.42 1.34 1.36 1.37 1.38 1.53 1.91 2.26
Increase / (Decrease) in Invested Capital		 36 153 260 93 -1.05 -11 104 23 -57 36 7.90
Enterprise Value (EV)		 3,722 4,679 5,966 7,331 8,683 8,577 5,709 6,378 11,675 18,238 12,113
Market Capitalization		 4,458 5,367 6,919 8,352 9,787 9,579 6,514 6,908 12,405 19,047 12,650
Book Value per Share		 $10.81 $11.95 $17.61 $19.24 $19.92 $18.58 $17.32 $14.73 $16.24 $17.31 $14.34
Tangible Book Value per Share		 $10.20 $9.08 $12.17 $14.26 $15.34 $14.24 $12.62 $9.98 $11.63 $12.49 $9.06
Total Capital		 784 889 1,719 1,892 1,987 1,889 1,810 1,597 1,742 2,132 1,872
Total Debt		 0.00 0.00 305 317 330 344 358 397 399 675 678
Total Long-Term Debt		 0.00 0.00 305 317 330 344 358 397 0.00 675 678
Net Debt		 -736 -688 -953 -1,020 -1,104 -1,003 -805 -530 -731 -809 -537
Capital Expenditures (CapEx)		 7.11 6.67 12 49 26 29 22 17 19 20 31
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -40 -62 -83 -22 -15 -64 -61 -72 -147 -187 -231
Debt-free Net Working Capital (DFNWC)		 589 511 984 1,103 1,118 1,055 915 726 857 963 522
Net Working Capital (NWC)		 589 511 984 1,103 1,118 1,055 915 726 458 963 522
Net Nonoperating Expense (NNE)		 -3.13 -4.22 16 -18 10 -7.40 41 7.21 -31 -12 -12
Net Nonoperating Obligations (NNO)		 -736 -688 -953 -1,020 -1,104 -1,003 -805 -530 -731 -809 -537
Total Depreciation and Amortization (D&A)		 11 20 39 50 64 69 68 40 29 37 61
Debt-free, Cash-free Net Working Capital to Revenue		 -9.09% -12.23% -12.69% -2.99% -2.08% -8.67% -7.50% -7.99% -14.97% -15.54% -15.63%
Debt-free Net Working Capital to Revenue		 134.96% 100.26% 150.77% 153.26% 150.61% 141.94% 112.62% 80.23% 87.38% 80.05% 35.41%
Net Working Capital to Revenue		 134.96% 100.26% 150.77% 153.26% 150.61% 141.94% 112.62% 80.23% 46.70% 80.05% 35.41%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.21 $0.29 ($0.25) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.83 $1.65
Adjusted Weighted Average Basic Shares Outstanding		 72.03M 73.99M 77.71M 81.45M 82.86M 83.58M 83.57M 82.18M 82.29M 83.85M 84.19M
Adjusted Diluted Earnings per Share		 $0.20 $0.28 ($0.25) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.81 $1.63
Adjusted Weighted Average Diluted Shares Outstanding		 73.77M 75.33M 77.71M 82.68M 82.86M 83.58M 83.57M 82.18M 82.29M 85.91M 85.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 73.07M 75.01M 80.61M 82.14M 83.47M 83.08M 84.08M 81.44M 83.03M 84.53M 81.99M
Normalized Net Operating Profit after Tax (NOPAT)		 12 14 -11 1.03 -17 -74 -140 -105 -37 29 127
Normalized NOPAT Margin		 2.72% 2.72% -1.68% 0.14% -2.25% -9.94% -17.18% -11.56% -3.75% 2.39% 8.62%
Pre Tax Income Margin		 4.77% 5.60% -1.27% 1.73% -3.28% -14.03% -28.27% -14.81% -2.74% 4.11% 11.12%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 1,744.00 -2.35 -0.02 -1.73 -4.97 -11.14 -22.60 -9.44 0.45 9.67
NOPAT to Interest Expense		 0.00 1,065.35 -1.70 0.14 -0.93 -3.95 -7.18 -15.58 -5.46 4.39 9.55
EBIT Less CapEx to Interest Expense		 0.00 1,230.92 -4.21 -2.84 -3.16 -6.51 -12.26 -25.19 -12.19 -1.10 7.34
NOPAT Less CapEx to Interest Expense		 0.00 552.27 -3.56 -2.68 -2.36 -5.49 -8.30 -18.18 -8.21 2.84 7.22
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% -242.56% -20.76% -234.06% 0.00% 0.00% 435.31%

Quarterly Metrics And Ratios for Guidewire Software

This table displays calculated financial ratios and metrics derived from Guidewire Software's official financial filings.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 1/31/2024 4/30/2024 7/31/2024 10/31/2024 1/31/2025 4/30/2025 7/31/2025 10/31/2025 1/31/2026 4/30/2026 7/31/2026
DEI Shares Outstanding		 - - - - - - - - 85,019,176.00 84,657,470.00 83,256,364.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 85,019,176.00 84,657,470.00 83,256,364.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.71 0.19 0.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 3.56% 16.00% 7.99% 26.76% 20.17% 21.95% 22.32% 26.53% - 26.93% 15.29%
EBITDA Growth		 453.14% 68.79% -5.98% 98.83% -914.94% 394.95% 151.68% 1,162.58% - -46.57% 23.58%
EBIT Growth		 86.30% 62.02% -9.24% 81.54% -3,239.41% 265.91% 249.38% 250.02% - -69.43% 25.18%
NOPAT Growth		 -6.22% 71.12% 93.65% 34.12% 147.54% 136.13% 309.86% 251.56% - 504.83% 15.11%
Net Income Growth		 205.42% 87.98% 37.14% 133.76% -484.81% 939.56% 209.99% 242.58% - -64.19% -39.57%
EPS Growth		 209.09% 87.50% 50.00% 133.33% -475.00% 871.43% 190.48% 227.27% - -64.81% -37.70%
Operating Cash Flow Growth		 5,576.31% 109.88% 11.86% 13.56% 24.17% 573.54% 26.35% -8.17% - 89.13% 15.95%
Free Cash Flow Firm Growth		 117.18% 121.41% 462.51% 93.56% 179.23% -263.82% -98.34% -870.32% - 23.73% 3,116.92%
Invested Capital Growth		 -3.35% -4.50% -8.52% -1.56% -1.85% 5.72% 5.95% 8.35% - 6.94% 1.22%
Revenue Q/Q Growth		 16.15% -0.09% 21.12% -9.82% 10.11% 1.39% 21.49% -6.71% - 3.74% 10.35%
EBITDA Q/Q Growth		 114.01% -388.12% 201.37% -102.86% -9,656.96% 204.28% -13.50% -34.41% - -66.02% 103.30%
EBIT Q/Q Growth		 96.56% -1,321.73% 137.92% -199.60% -521.83% 170.63% -20.14% -57.23% - -81.98% 227.01%
NOPAT Q/Q Growth		 27.00% 32.30% 178.32% -270.19% 152.68% -48.55% 788.53% -37.07% - -17.61% 69.10%
Net Income Q/Q Growth		 135.78% -156.55% 405.93% -45.47% -507.89% 223.38% 12.96% -39.74% - -72.60% 90.60%
EPS Q/Q Growth		 136.36% -158.33% 400.00% -47.62% -509.09% 220.00% 12.96% -40.98% - -72.86% 100.00%
Operating Cash Flow Q/Q Growth		 196.07% -93.06% 3,934.50% -132.15% 238.02% -62.38% 656.82% -127.53% - -45.40% 364.00%
Free Cash Flow Firm Q/Q Growth		 112.71% 205.44% 180.30% -105.92% 650.98% -279.19% 102.84% -3,563.07% - 69.43% 219.70%
Invested Capital Q/Q Growth		 -3.76% 3.91% -18.34% 20.55% -4.05% 11.92% -18.16% 23.28% - 1.44% -22.54%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 59.11% 59.09% 63.95% 60.25% 61.89% 62.25% 65.01% 62.99% - 63.52% 65.60%
EBITDA Margin		 2.36% -6.79% 5.69% -0.18% -15.98% 16.43% 11.70% 8.23% - 7.28% 13.42%
Operating Margin		 -5.15% -6.94% 3.54% -1.80% 4.05% 1.52% 8.30% 5.56% - 8.22% 15.16%
EBIT Margin		 -0.68% -9.65% 3.02% -3.34% -18.85% 13.13% 8.63% 3.96% - 3.16% 9.37%
Profit (Net Income) Margin		 4.02% -2.28% 5.75% 3.48% -12.88% 15.67% 14.57% 9.41% - 4.42% 7.64%
Tax Burden Percent		 139.10% 38.87% 88.75% 330.05% 86.64% 94.50% 126.76% 127.78% - 83.36% 69.30%
Interest Burden Percent		 -426.19% 60.66% 214.35% -31.56% 78.85% 126.27% 133.15% 186.13% - 167.70% 117.58%
Effective Tax Rate		 -39.10% 0.00% 11.25% -230.05% 0.00% 5.50% -26.76% -27.78% - 16.64% 30.70%
Return on Invested Capital (ROIC)		 -9.04% -6.07% 4.81% -8.25% 4.30% 2.12% 20.07% 11.75% - 11.88% 23.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 -14.38% -7.38% 3.60% -13.27% 12.61% -5.43% 18.19% 10.53% - 13.62% 25.50%
Return on Net Nonoperating Assets (RNNOA)		 5.86% 2.81% -1.79% 5.29% -5.47% 2.27% -10.00% -4.75% - -5.28% -12.95%
Return on Equity (ROE)		 -3.18% -3.25% 3.02% -2.96% -1.17% 4.39% 10.07% 7.00% - 6.59% 10.80%
Cash Return on Invested Capital (CROIC)		 -5.93% -0.58% 3.15% -4.98% 1.93% -1.98% 3.43% 2.80% - 7.58% 18.28%
Operating Return on Assets (OROA)		 -0.31% -4.68% 1.39% -1.53% -8.97% 6.60% 4.20% 1.92% - 1.79% 5.22%
Return on Assets (ROA)		 1.85% -1.10% 2.65% 1.59% -6.13% 7.87% 7.08% 4.57% - 2.50% 4.25%
Return on Common Equity (ROCE)		 -3.18% -3.25% 3.02% -2.96% -1.17% 4.39% 10.07% 7.00% - 6.59% 10.80%
Return on Equity Simple (ROE_SIMPLE)		 -4.04% -0.83% 0.00% 2.37% -1.33% 2.54% 0.00% 0.00% - 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -17 -12 9.15 -16 8.21 4.22 38 24 31 26 43
NOPAT Margin		 -7.17% -4.86% 3.14% -5.93% 2.83% 1.44% 10.52% 7.10% - 6.86% 10.51%
Net Nonoperating Expense Percent (NNEP)		 5.35% 1.31% 1.21% 5.01% -8.31% 7.55% 1.88% 1.22% - -1.74% -1.75%
Return On Investment Capital (ROIC_SIMPLE)		 -1.04% - - - 0.39% 0.21% 1.76% 1.07% 1.42% 1.28% 2.31%
Cost of Revenue to Revenue		 40.89% 40.91% 36.05% 39.75% 38.11% 37.75% 34.99% 37.01% - 36.48% 34.40%
SG&A Expenses to Revenue		 16.68% 17.58% 15.79% 16.26% 14.41% 16.20% 14.71% 14.57% - 13.41% 12.59%
R&D to Revenue		 27.17% 27.48% 25.84% 26.20% 24.27% 24.84% 23.59% 23.54% - 23.59% 22.04%
Operating Expenses to Revenue		 64.27% 66.03% 60.42% 62.04% 57.84% 60.72% 56.71% 57.43% - 55.30% 50.44%
Earnings before Interest and Taxes (EBIT)		 -1.63 -23 8.81 -8.78 -55 39 31 13 65 12 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.68 -16 17 -0.47 -46 48 42 27 80 27 55
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 7.28 7.16 9.24 12.20 13.91 12.61 13.07 12.88 - 8.89 10.60
Price to Tangible Book Value (P/TBV)		 10.49 10.19 12.90 17.41 19.82 17.98 18.12 17.50 - 13.34 16.78
Price to Revenue (P/Rev)		 9.88 9.59 12.65 14.93 16.27 15.10 15.84 15.52 - 8.25 8.57
Price to Earnings (P/E)		 0.00 0.00 0.00 513.65 0.00 496.25 272.86 214.73 - 73.30 90.82
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.19% 0.00% 0.20% 0.37% 0.47% - 1.36% 1.10%
Enterprise Value to Invested Capital (EV/IC)		 11.94 11.56 19.07 20.24 24.13 20.95 28.12 23.78 - 13.27 18.45
Enterprise Value to Revenue (EV/Rev)		 9.31 9.03 11.91 14.42 15.75 14.60 15.17 14.95 - 7.92 8.21
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 2,752.88 0.00 918.48 421.97 277.95 - 66.88 63.91
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 3,049.33 681.09 - 92.85 93.99
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 39,301.76 601.11 314.25 228.83 - 95.97 95.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 70.75 49.44 59.64 72.66 76.87 66.47 60.62 64.29 - 32.07 31.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 578.33 0.00 1,237.94 0.00 843.67 884.50 - 180.91 101.53
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.32 0.31 0.30 0.75 0.67 0.49 0.46 0.44 - 0.51 0.57
Long-Term Debt to Equity		 0.32 0.00 0.00 0.53 0.53 0.49 0.46 0.44 - 0.51 0.57
Financial Leverage		 -0.41 -0.38 -0.50 -0.40 -0.43 -0.42 -0.55 -0.45 - -0.39 -0.51
Leverage Ratio		 1.62 1.60 1.67 1.83 1.80 1.71 1.77 1.87 - 1.87 2.00
Compound Leverage Factor		 -6.91 0.97 3.59 -0.58 1.42 2.16 2.35 3.48 - 3.14 2.35
Debt to Total Capital		 24.06% 23.66% 22.90% 42.84% 40.17% 33.08% 31.64% 30.58% - 33.96% 36.23%
Short-Term Debt to Total Capital		 0.00% 23.66% 22.90% 12.56% 8.44% 0.00% 0.00% 0.00% - 0.00% 0.00%
Long-Term Debt to Total Capital		 24.06% 0.00% 0.00% 30.28% 31.73% 33.08% 31.64% 30.58% - 33.96% 36.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Common Equity to Total Capital		 75.94% 76.34% 77.10% 57.16% 59.83% 66.92% 68.36% 69.42% - 66.04% 63.77%
Debt to EBITDA		 -5.72 -11.87 -11.52 175.19 -18.32 37.26 15.61 9.87 - 4.03 3.58
Net Debt to EBITDA		 7.68 15.96 21.11 -97.70 12.06 -31.53 -18.71 -10.73 - -2.79 -2.83
Long-Term Debt to EBITDA		 -5.72 0.00 0.00 123.84 -14.47 37.26 15.61 9.87 - 4.03 3.58
Debt to NOPAT		 -5.81 -10.02 -10.84 -19.50 1,959.50 24.39 11.62 8.13 - 5.78 5.33
Net Debt to NOPAT		 7.80 13.48 19.85 10.88 -1,289.72 -20.63 -13.93 -8.83 - -4.01 -4.22
Long-Term Debt to NOPAT		 -5.81 0.00 0.00 -13.78 1,547.80 24.39 11.62 8.13 - 5.78 5.33
Altman Z-Score		 7.71 7.53 8.73 7.51 8.74 9.76 9.66 11.38 - 6.22 5.80
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 3.45 1.53 1.55 2.66 2.65 3.23 2.77 3.48 - 2.44 1.79
Quick Ratio		 2.95 1.26 1.36 2.33 2.31 2.63 2.37 2.84 - 1.79 1.42
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 7.73 24 66 -3.92 22 -39 1.10 -38 -96 -29 35
Operating Cash Flow to CapEx		 1,292.48% 118.62% 4,374.20% -1,227.44% 2,315.94% 715.87% 3,425.65% -676.28% - 813.70% 3,950.54%
Free Cash Flow to Firm to Interest Expense		 4.57 14.00 39.44 -1.90 5.16 -10.54 0.33 -11.47 - -8.89 10.50
Operating Cash Flow to Interest Expense		 40.93 2.85 115.55 -30.22 20.56 8.82 74.24 -20.35 - 18.44 84.49
Operating Cash Flow Less CapEx to Interest Expense		 37.76 0.45 112.91 -32.68 19.67 7.59 72.07 -23.36 - 16.17 82.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.46 0.48 0.46 0.46 0.48 0.50 0.49 0.49 - 0.57 0.56
Accounts Receivable Turnover		 5.20 5.30 6.80 10.87 8.63 9.04 8.65 13.25 - 9.93 8.83
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Fixed Asset Turnover		 13.85 17.66 17.84 18.75 19.87 20.57 20.76 21.13 - 23.25 23.01
Accounts Payable Turnover		 13.61 13.48 15.94 16.07 17.83 16.42 20.47 14.44 - 16.00 15.79
Days Sales Outstanding (DSO)		 70.22 68.81 53.67 33.57 42.28 40.38 42.19 27.55 - 36.75 41.36
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Days Payable Outstanding (DPO)		 26.82 27.07 22.90 22.72 20.47 22.23 17.83 25.27 - 22.81 23.11
Cash Conversion Cycle (CCC)		 43.40 41.74 30.77 10.85 21.81 18.15 24.36 2.28 - 13.94 18.25
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 721 750 612 738 708 793 649 800 836 848 656
Invested Capital Turnover		 1.26 1.25 1.53 1.39 1.52 1.48 1.91 1.65 - 1.73 2.26
Increase / (Decrease) in Invested Capital		 -25 -35 -57 -12 -13 43 36 62 127 55 7.90
Enterprise Value (EV)		 8,615 8,663 11,675 14,934 17,084 16,606 18,238 19,016 - 11,246 12,113
Market Capitalization		 9,150 9,199 12,405 15,464 17,645 17,176 19,047 19,750 - 11,716 12,650
Book Value per Share		 $15.33 $15.43 $16.24 $15.27 $15.19 $16.24 $17.31 $18.14 $17.77 $15.56 $14.34
Tangible Book Value per Share		 $10.65 $10.83 $11.63 $10.70 $10.66 $11.39 $12.49 $13.35 $12.57 $10.37 $9.06
Total Capital		 1,654 1,684 1,742 2,218 2,121 2,036 2,132 2,209 2,187 1,994 1,872
Total Debt		 398 398 399 950 852 674 675 675 676 677 678
Total Long-Term Debt		 398 0.00 0.00 672 673 674 675 675 676 677 678
Net Debt		 -535 -536 -731 -530 -561 -570 -809 -734 -675 -470 -537
Capital Expenditures (CapEx)		 5.36 4.05 4.43 5.08 3.71 4.52 7.15 9.97 6.39 7.52 7.19
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -24 -7.12 -147 -38 -71 -13 -187 -45 -32 -31 -231
Debt-free Net Working Capital (DFNWC)		 754 775 857 1,301 1,098 907 963 967 887 718 522
Net Working Capital (NWC)		 754 377 458 1,022 919 907 963 967 887 718 522
Net Nonoperating Expense (NNE)		 -27 -6.21 -7.61 -25 45 -42 -14 -7.70 -29 9.07 12
Net Nonoperating Obligations (NNO)		 -535 -536 -731 -530 -561 -570 -809 -734 -675 -470 -537
Total Depreciation and Amortization (D&A)		 7.31 6.88 7.77 8.30 8.32 9.69 11 14 14 15 17
Debt-free, Cash-free Net Working Capital to Revenue		 -2.60% -0.74% -14.97% -3.64% -6.50% -1.18% -15.54% -3.52% - -2.20% -15.63%
Debt-free Net Working Capital to Revenue		 81.40% 80.84% 87.38% 125.55% 101.28% 79.75% 80.05% 76.02% - 50.55% 35.41%
Net Working Capital to Revenue		 81.40% 39.28% 46.70% 98.65% 84.77% 79.75% 80.05% 76.02% - 50.55% 35.41%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.55 $0.62 $0.37 $0.71 $0.20 $0.37
Adjusted Weighted Average Basic Shares Outstanding		 82.13M 82.50M 82.29M 83.28M 83.71M 84.04M 83.85M 84.78M 84.86M 84.24M 84.19M
Adjusted Diluted Earnings per Share		 $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.54 $0.61 $0.36 $0.70 $0.19 $0.38
Adjusted Weighted Average Diluted Shares Outstanding		 83.31M 82.50M 82.29M 85.96M 83.71M 85.88M 85.91M 86.45M 86.12M 85.07M 85.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 83.32M 82.66M 83.03M 83.52M 83.88M 84.20M 84.53M 85.02M 84.66M 83.26M 81.99M
Normalized Net Operating Profit after Tax (NOPAT)		 -8.69 -12 9.15 -3.30 8.21 4.22 21 13 31 26 43
Normalized NOPAT Margin		 -3.61% -4.86% 3.14% -1.26% 2.83% 1.44% 5.81% 3.89% - 6.86% 10.51%
Pre Tax Income Margin		 2.89% -5.86% 6.48% 1.05% -14.86% 16.58% 11.49% 7.37% - 5.30% 11.02%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.97 -13.78 5.25 -4.26 -13.04 10.51 9.33 3.97 - 3.55 11.47
NOPAT to Interest Expense		 -10.20 -6.93 5.46 -7.55 1.96 1.15 11.38 7.13 - 7.70 12.85
EBIT Less CapEx to Interest Expense		 -4.13 -16.18 2.61 -6.72 -13.93 9.28 7.17 0.97 - 1.29 9.33
NOPAT Less CapEx to Interest Expense		 -13.37 -9.33 2.82 -10.02 1.07 -0.08 9.21 4.12 - 5.43 10.71
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Augmented Payout Ratio		 0.00% -449.30% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 245.52% 435.31%

Financials Breakdown Chart

Key Financial Trends

Guidewire Software’s recent results show strong revenue growth and improving operating profitability, although cash balances have declined and shareholder returns have been funded by substantial repurchases. The company’s quarterly revenue increased from $244.6 million in Q4 2022 to $291.5 million in Q4 2024, $356.6 million in Q4 2025 and $411.1 million in Q4 2026. That represents approximately 41% growth over the two-year period from Q4 2024 to Q4 2026.

Profitability has improved materially. Gross profit rose to $269.7 million in Q4 2026 from $231.8 million in Q4 2025 and $186.4 million in Q4 2024. Gross margin expanded to approximately 65.6% in Q4 2026, compared with 65.0% in Q4 2025 and 64.0% in Q4 2024. Operating income also more than doubled year over year to $62.3 million, lifting the operating margin to roughly 15.2%.

Net income, however, was less consistent than operating income. Q4 2026 net income was $31.4 million, down from $52.0 million in Q4 2025, despite higher revenue and operating profit. The decline was primarily associated with $23.8 million of net other expense in Q4 2026, compared with modest other income in the prior-year quarter. This demonstrates that non-operating items can materially affect reported earnings.

Operating cash flow remains a significant strength, but quarterly results are volatile. Reported net cash from operating activities was $283.9 million in Q4 2026, compared with $244.8 million in Q4 2025. The Q4 2026 figure was helped by a $107.3 million increase from operating assets and liabilities. Earlier in fiscal 2026, operating cash flow ranged from negative $67.4 million in Q1 to $112.0 million in Q2 and $61.2 million in Q3, highlighting the seasonal and working-capital-driven nature of the business.

The balance sheet remains well capitalized, although liquidity has declined from its prior peak. At April 30, 2026, Guidewire held $294.6 million of cash and equivalents and $454.9 million of short-term investments, compared with $492.0 million and $519.9 million, respectively, at October 31, 2025. The company also held $397.3 million of long-term investments, providing additional financial flexibility.

  • Sustained revenue growth: Q4 2026 revenue of $411.1 million was approximately 15.3% above Q4 2025 and 41.0% above Q4 2024.
  • Expanding gross margins: Gross margin improved from about 64.0% in Q4 2024 to 65.6% in Q4 2026, suggesting favorable mix and operating leverage.
  • Improving operating leverage: Q4 2026 operating income reached $62.3 million, versus $29.6 million in Q4 2025 and $10.3 million in Q4 2024.
  • Strong operating cash generation: Reported Q4 2026 operating cash flow was $283.9 million, exceeding net income by a wide margin and supporting internal funding.
  • Large deferred-revenue base: Current deferred revenue increased to $300.6 million at April 30, 2026 from $258.8 million a year earlier, providing visibility into future revenue recognition.
  • Quarterly cash flow is uneven: Operating cash flow moved from negative $67.4 million in Q1 2026 to positive $112.0 million in Q2 and $61.2 million in Q3 before the strong Q4 result, making annual trends more informative than individual quarters.
  • Investment portfolio management affects cash trends: Large purchases and maturities of short-term investments have produced substantial swings in investing cash flow without necessarily representing a change in core operating performance.
  • Cash and investments have declined: Cash and equivalents plus short-term investments fell to approximately $749.5 million at April 30, 2026 from $1.01 billion at October 31, 2025.
  • Debt remains significant: Long-term debt was approximately $677.2 million at April 30, 2026, compared with $398.0 million at January 31, 2024. This increases financial obligations despite the company’s sizable investment portfolio.
  • Large share repurchases reduce liquidity: Guidewire repurchased $213.9 million of common equity in Q4 2026 and $244.3 million in Q3 2026. Buybacks may support per-share results, but they also contributed to the decline in cash and investments.

Overall, the statements point to a company transitioning toward a more profitable growth profile. Revenue growth, gross-margin expansion and operating income are encouraging. Investors should nevertheless monitor the sustainability of operating cash flow, the effect of other income and expense on net earnings, debt levels and whether continued buybacks are appropriate while liquidity is declining.

09/16/26 09:18 PM ETAI Generated. May Contain Errors.

Guidewire Software Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Guidewire Software's fiscal year ends in July. Their fiscal year 2026 ended on July 31, 2026.

Guidewire Software's net income appears to be on a downward trend, with a most recent value of $139.28 million in 2026, rising from $14.98 million in 2016. The previous period was $69.80 million in 2025. Check out Guidewire Software's forecast to explore projected trends and price targets.

Guidewire Software's total operating income in 2026 was $149.87 million, based on the following breakdown:
  • Total Gross Profit: $947.37 million
  • Total Operating Expenses: $797.49 million

Over the last 10 years, Guidewire Software's total revenue changed from $436.11 million in 2016 to $1.48 billion in 2026, a change of 238.3%.

Guidewire Software's total liabilities were at $1.38 billion at the end of 2026, a 9.4% increase from 2025, and a 946.0% increase since 2016.

In the past 10 years, Guidewire Software's cash and equivalents has ranged from $223.58 million in 2016 to $697.90 million in 2025, and is currently $372.89 million as of their latest financial filing in 2026.

Over the last 10 years, Guidewire Software's book value per share changed from 10.81 in 2016 to 14.34 in 2026, a change of 32.6%.


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Financial statements for NYSE:GWRE last updated on 9/11/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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