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Guidewire Software (GWRE) Financials

Guidewire Software logo
$118.53 +1.94 (+1.67%)
Closing price 06/11/2026 03:59 PM Eastern
Extended Trading
$120.43 +1.90 (+1.60%)
As of 04:30 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 7/31/2015 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
Net Income / (Loss) Attributable to Common Shareholders		 9.89 560 18 -27 21 -27 -67 -180 -112 -6.10 70
Consolidated Net Income / (Loss)		 9.89 15 18 -27 21 -27 -67 -180 -112 -6.10 70
Net Income / (Loss) Continuing Operations		 9.89 560 18 -27 21 -27 -67 -180 -112 -6.10 70
Total Pre-Tax Income 		17 21 29 -8.28 12 -24 -104 -230 -134 -27 49
Total Operating Income		 16 16 22 -16 1.47 -24 -106 -199 -149 -53 41
Total Gross Profit		 233 545 318 356 395 404 390 377 458 583 752
Total Revenue		 381 436 510 653 720 742 743 813 905 980 1,202
Operating Revenue		 381 436 510 653 720 742 743 813 905 980 1,202
Total Cost of Revenue		 147 -109 192 297 324 338 354 435 447 397 450
Operating Cost of Revenue		 147 103 192 297 324 338 354 435 447 397 450
Total Operating Expenses		 217 -16 296 372 394 428 495 577 608 636 711
Selling, General & Admin Expense		 41 51 57 76 74 85 143 165 170 168 184
Marketing Expense		 82 93 109 124 131 142 151 183 188 199 230
Research & Development Expense		 93 112 130 172 189 201 201 229 250 269 296
Total Other Income / (Expense), net		 0.25 4.35 6.67 7.35 11 -0.45 1.30 -30 15 26 8.33
Interest Expense		 - 0.00 0.01 6.44 17 18 19 19 6.72 6.74 13
Interest & Investment Income		 2.25 4.85 5.87 13 30 25 7.40 6.28 24 43 57
Other Income / (Expense), net		 -2.00 -0.51 0.81 0.51 -1.87 -7.21 13 -17 -2.28 -11 -35
Income Tax Expense		 6.86 5.81 10 18 -8.28 2.87 -38 -49 -22 -21 -20
Basic Earnings per Share		 $0.14 $0.21 $0.24 ($0.34) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.83
Weighted Average Basic Shares Outstanding		 70.08M 72.03M 73.99M 77.71M 81.45M 82.86M 83.58M 83.57M 82.18M 82.29M 83.85M
Diluted Earnings per Share		 $0.14 $0.20 $0.24 ($0.34) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.81
Weighted Average Diluted Shares Outstanding		 72.31M 73.77M 75.33M 77.71M 82.68M 82.86M 83.58M 83.57M 82.18M 82.29M 85.91M
Weighted Average Basic & Diluted Shares Outstanding		 70.60M 71.30M 73.20M 78.70M 82.90M 83.47M 83.08M 84.08M 81.44M 83.03M 84.53M

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 10/31/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 -27 9.69 -5.48 17 9.14 -37 46 52 31 60 16
Consolidated Net Income / (Loss)		 -27 9.69 -5.48 17 9.14 -37 46 52 31 60 16
Net Income / (Loss) Continuing Operations		 -27 9.69 -5.48 17 9.14 -37 46 52 31 60 16
Total Pre-Tax Income 		-39 6.96 -14 19 2.77 -43 49 41 25 75 20
Total Operating Income		 -34 -12 -17 10 -4.72 12 4.47 30 18 38 31
Total Gross Profit		 112 142 142 186 158 179 183 232 210 232 237
Total Revenue		 207 241 241 292 263 289 294 357 333 359 373
Operating Revenue		 207 241 241 292 263 289 294 357 333 359 373
Total Cost of Revenue		 95 98 98 105 105 110 111 125 123 128 136
Operating Cost of Revenue		 95 98 98 105 105 110 111 125 123 128 136
Total Operating Expenses		 146 155 159 176 163 167 178 202 191 193 206
Selling, General & Admin Expense		 39 40 42 46 43 42 48 52 48 48 50
Marketing Expense		 45 49 50 55 51 55 58 66 64 61 68
Research & Development Expense		 62 65 66 75 69 70 73 84 78 83 88
Total Other Income / (Expense), net		 -4.81 19 2.60 8.57 7.49 -55 44 11 6.02 36 -11
Interest Expense		 1.68 1.69 1.69 1.68 2.06 4.18 3.67 3.30 3.31 3.33 3.32
Interest & Investment Income		 11 10 11 12 14 16 14 14 15 12 11
Other Income / (Expense), net		 -14 11 -6.54 -1.50 -4.06 -66 34 1.18 -5.31 27 -19
Income Tax Expense		 -12 -2.72 -8.62 2.13 -6.37 -5.75 2.68 -11 -6.81 14 3.29
Basic Earnings per Share		 ($0.33) $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.55 $0.62 $0.37 $0.71 $0.20
Weighted Average Basic Shares Outstanding		 81.69M 82.13M 82.50M 82.29M 83.28M 83.71M 84.04M 83.85M 84.78M 84.86M 84.24M
Diluted Earnings per Share		 ($0.33) $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.54 $0.61 $0.36 $0.70 $0.19
Weighted Average Diluted Shares Outstanding		 81.69M 83.31M 82.50M 82.29M 85.96M 83.71M 85.88M 85.91M 86.45M 86.12M 85.07M
Weighted Average Basic & Diluted Shares Outstanding		 81.93M 83.32M 82.66M 83.03M 83.52M 83.88M 84.20M 84.53M 85.02M 84.66M 83.26M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 7/31/2015 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
Net Change in Cash & Equivalents		 64 11 40 174 -183 113 18 230 -208 142 150
Net Cash From Operating Activities		 64 100 139 140 116 113 112 -38 38 196 301
Net Cash From Continuing Operating Activities		 64 100 139 140 116 113 112 -38 38 196 301
Net Income / (Loss) Continuing Operations		 9.89 15 18 -27 21 -27 -67 -180 -112 -6.10 70
Consolidated Net Income / (Loss)		 9.89 15 18 -27 21 -27 -67 -180 -112 -6.10 70
Depreciation Expense		 7.48 8.84 19 36 40 43 37 34 25 22 24
Amortization Expense		 4.84 2.52 1.46 3.09 9.95 21 32 34 15 6.65 13
Non-Cash Adjustments To Reconcile Net Income		 48 59 64 91 75 65 103 163 120 163 180
Changes in Operating Assets and Liabilities, net		 -6.37 15 36 38 -30 12 6.26 -89 -9.14 9.52 14
Net Cash From Investing Activities		 23 -101 -113 -538 -301 -5.80 64 312 13 -52 -237
Net Cash From Continuing Investing Activities		 23 -101 -113 -538 -301 -5.80 64 311 13 -52 -237
Purchase of Property, Plant & Equipment		 -6.30 -7.11 -6.67 -12 -49 -26 -29 -22 -17 -19 -20
Acquisitions		 0.00 -40 -188 -130 - 0.00 0.00 -44 0.00 0.00 -27
Purchase of Investments		 -492 -652 -467 -860 -1,209 -1,283 -1,035 -532 -517 -617 -860
Divestitures		 - - - - - - - - 0.00 6.55 5.67
Sale and/or Maturity of Investments		 521 597 548 464 957 1,303 1,129 909 547 577 665
Net Cash From Financing Activities		 -17 13 13 573 3.95 4.96 -159 -37 -262 1.06 82
Net Cash From Continuing Financing Activities		 -17 13 13 573 3.95 4.96 -159 -37 -262 1.06 82
Repayment of Debt		 - - - - - - - - 0.00 0.00 -535
Repurchase of Common Equity		 - - - - 0.00 0.00 -161 -37 -262 0.00 0.00
Issuance of Debt		 - 0.00 0.00 387 - - - - 0.00 0.00 672
Other Financing Activities, net		 -17 13 13 -35 3.95 4.96 1.93 0.12 0.23 1.06 -55
Effect of Exchange Rate Changes		 -5.14 -0.88 1.15 -1.91 -1.69 0.65 1.55 -7.16 2.58 -2.05 3.72
Cash Interest Paid		 - - 0.00 0.00 5.04 5.00 5.00 5.00 5.00 5.00 12
Cash Income Taxes Paid		 1.90 3.91 3.70 4.74 4.56 4.89 4.16 4.32 5.17 8.92 7.56

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 10/31/2023 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
Net Change in Cash & Equivalents		 -104 49 9.61 188 276 -126 -187 188 -206 -85 -113
Net Cash From Operating Activities		 -72 69 4.80 194 -62 86 32 245 -67 112 61
Net Cash From Continuing Operating Activities		 -72 69 4.80 194 -62 86 32 245 -67 112 61
Net Income / (Loss) Continuing Operations		 -27 9.69 -5.48 17 9.14 -37 46 52 31 60 16
Consolidated Net Income / (Loss)		 -27 9.69 -5.48 17 9.14 -37 46 52 31 60 16
Depreciation Expense		 5.44 5.49 5.59 5.78 5.85 5.73 5.97 6.22 6.36 7.04 7.23
Amortization Expense		 1.57 1.82 1.29 1.98 5.10 2.59 3.72 4.72 7.83 7.43 8.12
Non-Cash Adjustments To Reconcile Net Income		 21 55 3.38 84 2.42 104 -8.47 82 16 35 -5.21
Changes in Operating Assets and Liabilities, net		 -73 -2.50 0.02 85 -85 11 -15 100 -129 2.18 35
Net Cash From Investing Activities		 -28 -23 6.15 -7.29 -78 -53 -48 -58 -139 -66 71
Net Cash From Continuing Investing Activities		 -28 -23 6.15 -7.29 -78 -53 -48 -58 -139 -66 71
Purchase of Property, Plant & Equipment		 -4.69 -5.36 -4.05 -4.43 -5.08 -3.71 -4.52 -7.15 -9.97 -6.39 -7.52
Acquisitions		 - - - - - - - -0.13 - - -0.20
Purchase of Investments		 -160 -155 -139 -163 -212 -218 -244 -186 -319 -219 -122
Divestitures		 - - - - - - - - - - 0.78
Sale and/or Maturity of Investments		 137 130 149 167 140 163 227 135 190 193 200
Net Cash From Financing Activities		 0.00 0.00 0.01 1.04 416 -156 -178 0.73 0.41 -135 -244
Net Cash From Continuing Financing Activities		 0.00 0.00 0.01 1.04 416 -156 -178 0.73 0.41 -135 -244
Repurchase of Common Equity		 - - - - - - - - - - -244
Other Financing Activities, net		 0.00 0.00 0.01 1.04 -57 0.53 0.71 0.73 0.41 0.12 0.01
Effect of Exchange Rate Changes		 -4.30 2.74 -1.35 0.87 -0.03 -3.55 6.89 0.41 -0.11 3.18 -1.40
Cash Interest Paid		 2.50 - 2.50 - 2.64 0.44 3.92 4.80 0.17 4.48 0.17
Cash Income Taxes Paid		 0.88 1.86 3.43 2.75 2.60 1.37 2.35 1.23 1.95 1.99 3.02

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 7/31/2015 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
Total Assets		 800 916 1,079 1,981 2,167 2,365 2,322 2,267 2,028 2,226 2,721
Total Current Assets		 662 708 679 1,222 1,335 1,343 1,355 1,253 1,100 1,296 1,507
Cash & Equivalents		 212 224 263 437 254 367 385 606 402 548 698
Short-Term Investments		 359 405 310 630 870 767 735 370 397 456 452
Accounts Receivable		 62 63 79 125 175 164 183 144 151 137 141
Prepaid Expenses		 14 17 27 30 36 46 53 61 62 68 86
Other Current Assets		 - - - - - - - 72 88 87 131
Plant, Property, & Equipment, net		 12 13 14 19 66 65 80 81 54 55 60
Total Noncurrent Assets		 126 196 385 740 766 956 886 933 874 875 1,153
Long-Term Investments		 106 108 115 191 214 301 227 188 129 126 334
Goodwill		 9.21 30 142 341 341 341 341 372 372 372 394
Intangible Assets		 4.00 14 71 96 67 40 20 21 14 9.01 12
Noncurrent Deferred & Refundable Income Taxes		 5.90 31 37 90 90 102 138 191 227 253 297
Other Noncurrent Operating Assets		 0.93 12 20 23 55 173 160 161 131 115 116
Total Liabilities & Shareholders' Equity		 800 916 1,079 1,981 2,167 2,365 2,322 2,267 2,028 2,226 2,721
Total Liabilities		 111 132 190 568 593 708 777 815 828 884 1,264
Total Current Liabilities		 104 119 168 238 232 225 300 338 373 838 545
Accounts Payable		 8.82 9.93 13 31 34 23 28 40 35 15 29
Current Deferred Revenue		 51 60 96 127 108 118 139 171 207 282 340
Current Employee Benefit Liabilities		 37 41 49 60 73 59 102 91 104 109 141
Other Current Liabilities		 7.59 7.62 10 20 16 26 32 35 28 33 35
Total Noncurrent Liabilities		 6.15 13 22 330 360 483 477 478 455 46 719
Long-Term Debt		 - - 0.00 305 317 330 344 358 397 0.00 675
Noncurrent Deferred Revenue		 1.80 9.75 20 24 24 15 7.24 7.50 5.99 3.63 4.53
Other Noncurrent Operating Liabilities		 4.35 3.42 2.11 0.77 20 138 126 112 52 42 40
Total Equity & Noncontrolling Interests		 689 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457
Total Preferred & Common Equity		 689 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457
Total Common Equity		 689 784 889 1,414 1,574 1,657 1,545 1,452 1,199 1,343 1,457
Common Stock		 663 743 828 1,296 1,392 1,499 1,617 1,755 1,831 1,979 2,020
Retained Earnings		 33 48 66 125 190 163 -66 -284 -618 -624 -554
Accumulated Other Comprehensive Income / (Loss)		 -6.34 -6.59 -5.80 -7.75 -7.76 -5.25 -6.22 -20 -14 -12 -8.92

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 7/31/2015 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
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.65% 14.60% 16.84% 28.13% 10.21% 3.17% 0.13% 9.33% 11.41% 8.30% 22.64%
EBITDA Growth		 -7.02% 1.78% 57.05% -44.96% 109.87% -34.46% -175.15% -509.67% 24.58% 69.13% 224.86%
EBIT Growth		 -22.05% 9.91% 42.30% -166.67% 97.38% -7,751.26% -199.01% -132.93% 29.91% 58.11% 109.41%
NOPAT Growth		 -28.37% 21.62% 16.92% -178.97% 122.39% -782.70% -342.03% -88.90% 25.05% 64.83% 257.70%
Net Income Growth		 -32.85% 51.50% 20.67% -247.98% 177.52% -231.19% -144.53% -171.30% 38.01% 94.54% 1,243.77%
EPS Growth		 -33.33% 42.86% 20.00% -241.67% 173.53% -232.00% -139.39% -173.42% 37.04% 94.85% 1,257.14%
Operating Cash Flow Growth		 -15.65% 56.89% 38.90% 1.23% -17.32% -2.64% -1.31% -134.00% 201.20% 409.83% 53.70%
Free Cash Flow Firm Growth		 -95.93% -2,545.29% -462.87% -95.19% 66.52% 82.72% -304.21% -284.80% 47.63% 115.82% 7.09%
Invested Capital Growth		 300.55% 313.66% 317.06% 129.47% 20.21% -0.19% -1.91% 19.20% 3.55% -8.52% 5.95%
Revenue Q/Q Growth		 2.07% 6.58% 4.84% 10.57% -4.12% 5.07% -1.88% 1.90% 2.88% 2.25% 5.72%
EBITDA Q/Q Growth		 5.25% 1.62% 74.08% 121.19% -28.35% 1,886.90% -181.04% -27.78% 24.33% -3.14% 139.05%
EBIT Q/Q Growth		 -20.15% 2.35% 171.20% 36.40% -101.55% 48.90% -127.06% -18.25% 22.96% -1.43% 137.41%
NOPAT Q/Q Growth		 -42.84% 32.51% 103.80% 39.79% -94.13% 49.34% -72.64% -19.20% 20.40% 7.43% 110.08%
Net Income Q/Q Growth		 -44.31% 39.03% 73.87% 56.76% -63.37% 36.70% -149.09% -19.94% 27.88% 42.65% 101.68%
EPS Q/Q Growth		 -50.00% 42.86% 71.43% 56.96% -66.22% 35.29% -146.88% -19.34% 26.88% 50.00% 97.56%
Operating Cash Flow Q/Q Growth		 -20.51% 19.42% 37.66% 13.42% -0.83% 3.94% 1.08% -187.90% 174.92% 11.72% 20.44%
Free Cash Flow Firm Q/Q Growth		 -97.07% 27.26% 20.87% -13.21% -4.61% 43.96% 0.82% -8.64% 36.58% 551.57% 241.73%
Invested Capital Q/Q Growth		 -33.62% -20.26% -17.23% -0.64% -6.46% -5.84% -10.84% -9.65% -14.75% -18.34% -18.16%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 61.32% 125.02% 62.41% 54.54% 54.92% 54.46% 52.41% 46.42% 50.61% 59.50% 62.54%
EBITDA Margin		 7.05% 6.26% 8.41% 3.61% 6.88% 4.37% -3.28% -18.29% -12.38% -3.53% 3.59%
Operating Margin		 4.33% 3.77% 4.29% -2.39% 0.20% -3.22% -14.21% -24.54% -16.51% -5.36% 3.42%
EBIT Margin		 3.81% 3.65% 4.45% -2.32% -0.06% -4.19% -12.51% -26.65% -16.76% -6.48% 0.50%
Profit (Net Income) Margin		 2.60% 3.43% 3.55% -4.10% 2.88% -3.66% -8.95% -22.20% -12.36% -0.62% 5.81%
Tax Burden Percent		 59.05% 72.06% 63.35% 323.14% 166.50% 111.78% 63.78% 78.55% 83.42% 22.74% 141.32%
Interest Burden Percent		 115.49% 130.44% 125.82% 54.75% -3,144.44% 78.26% 112.17% 106.08% 88.36% 42.21% 825.87%
Effective Tax Rate		 40.95% 27.94% 36.65% 0.00% -66.50% 0.00% 0.00% 0.00% 0.00% 0.00% -41.32%
Return on Invested Capital (ROIC)		 133.95% 39.64% 11.13% -3.31% 0.48% -3.02% -13.50% -23.50% -15.91% -5.74% 9.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 133.93% 39.19% 10.54% -1.38% -1.37% -2.04% -14.20% -18.98% -14.83% -10.61% 7.68%
Return on Net Nonoperating Assets (RNNOA)		 -132.48% -37.60% -8.97% 0.98% 0.90% 1.34% 9.35% 11.45% 7.47% 5.26% -4.22%
Return on Equity (ROE)		 1.48% 2.03% 2.16% -2.32% 1.39% -1.68% -4.15% -12.04% -8.44% -0.48% 4.99%
Cash Return on Invested Capital (CROIC)		 13.87% -82.49% -111.51% -81.90% -17.88% -2.83% -11.57% -41.01% -19.40% 3.15% 3.43%
Operating Return on Assets (OROA)		 1.86% 1.86% 2.27% -0.99% -0.02% -1.37% -3.97% -9.44% -7.07% -2.99% 0.24%
Return on Assets (ROA)		 1.27% 1.75% 1.81% -1.75% 1.00% -1.20% -2.84% -7.86% -5.21% -0.29% 2.82%
Return on Common Equity (ROCE)		 1.48% 2.03% 2.16% -2.32% 1.39% -1.68% -4.15% -12.04% -8.44% -0.48% 4.99%
Return on Equity Simple (ROE_SIMPLE)		 1.43% 1.91% 2.03% -1.89% 1.32% -1.64% -4.31% -12.43% -9.33% -0.45% 0.00%
Net Operating Profit after Tax (NOPAT)		 9.74 12 14 -11 2.45 -17 -74 -140 -105 -37 58
NOPAT Margin		 2.56% 2.72% 2.72% -1.68% 0.34% -2.25% -9.94% -17.18% -11.56% -3.75% 4.83%
Net Nonoperating Expense Percent (NNEP)		 0.02% 0.44% 0.59% -1.93% 1.85% -0.99% 0.70% -4.51% -1.08% 4.87% 1.53%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - - - - 2.72%
Cost of Revenue to Revenue		 38.68% -25.02% 37.60% 45.46% 45.08% 45.54% 47.59% 53.58% 49.39% 40.50% 37.46%
SG&A Expenses to Revenue		 10.88% 11.67% 11.10% 11.63% 10.34% 11.48% 19.26% 20.28% 18.75% 17.09% 15.34%
R&D to Revenue		 24.55% 25.80% 25.58% 26.29% 26.20% 27.02% 27.11% 28.21% 27.59% 27.47% 24.63%
Operating Expenses to Revenue		 56.99% -3.77% 58.11% 56.93% 54.72% 57.68% 66.62% 70.96% 67.12% 64.86% 59.13%
Earnings before Interest and Taxes (EBIT)		 14 16 23 -15 -0.40 -31 -93 -217 -152 -64 5.98
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 27 43 24 50 32 -24 -149 -112 -35 43
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 6.04 5.69 6.04 4.89 5.31 5.91 6.20 4.49 5.76 9.24 13.07
Price to Tangible Book Value (P/TBV)		 6.16 6.03 7.95 7.08 7.16 7.67 8.09 6.16 8.50 12.90 18.12
Price to Revenue (P/Rev)		 10.95 10.22 10.53 10.60 11.61 13.18 12.89 8.02 7.63 12.65 15.84
Price to Earnings (P/E)		 421.43 7.96 296.99 0.00 402.83 0.00 0.00 0.00 0.00 0.00 272.86
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		 0.24% 12.57% 0.34% 0.00% 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% 0.37%
Enterprise Value to Invested Capital (EV/IC)		 299.77 77.33 23.31 12.95 13.24 15.71 15.82 8.83 9.53 19.07 28.12
Enterprise Value to Revenue (EV/Rev)		 9.17 8.54 9.18 9.14 10.19 11.70 11.54 7.03 7.04 11.91 15.17
Enterprise Value to EBITDA (EV/EBITDA)		 130.09 136.39 109.18 252.89 148.08 267.61 0.00 0.00 0.00 0.00 421.97
Enterprise Value to EBIT (EV/EBIT)		 240.64 233.63 206.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,049.33
Enterprise Value to NOPAT (EV/NOPAT)		 358.16 314.24 337.87 0.00 2,993.32 0.00 0.00 0.00 0.00 0.00 314.25
Enterprise Value to Operating Cash Flow (EV/OCF)		 54.78 37.26 33.72 42.47 63.13 76.79 76.86 0.00 166.11 59.64 60.62
Enterprise Value to Free Cash Flow (EV/FCFF)		 3,459.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 578.33 843.67
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.22 0.20 0.20 0.22 0.25 0.33 0.30 0.46
Long-Term Debt to Equity		 0.00 0.00 0.00 0.22 0.20 0.20 0.22 0.25 0.33 0.00 0.46
Financial Leverage		 -0.99 -0.96 -0.85 -0.71 -0.66 -0.66 -0.66 -0.60 -0.50 -0.50 -0.55
Leverage Ratio		 1.16 1.16 1.19 1.33 1.39 1.40 1.46 1.53 1.62 1.67 1.77
Compound Leverage Factor		 1.34 1.52 1.50 0.73 -43.66 1.10 1.64 1.62 1.43 0.71 14.59
Debt to Total Capital		 0.00% 0.00% 0.00% 17.75% 16.78% 16.62% 18.20% 19.79% 24.88% 22.90% 31.64%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 22.90% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 17.75% 16.78% 16.62% 18.20% 19.79% 24.88% 0.00% 31.64%
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% 100.00% 82.25% 83.22% 83.38% 81.80% 80.21% 75.12% 77.10% 68.36%
Debt to EBITDA		 0.00 0.00 0.00 12.93 6.41 10.18 -14.10 -2.41 -3.54 -11.52 15.61
Net Debt to EBITDA		 0.00 0.00 0.00 -40.40 -20.61 -34.03 41.12 5.42 4.73 21.11 -18.71
Long-Term Debt to EBITDA		 0.00 0.00 0.00 12.93 6.41 10.18 -14.10 -2.41 -3.54 0.00 15.61
Debt to NOPAT		 0.00 0.00 0.00 -27.90 129.56 -19.75 -4.65 -2.57 -3.80 -10.84 11.62
Net Debt to NOPAT		 0.00 0.00 0.00 87.13 -416.65 66.03 13.57 5.77 5.07 19.85 -13.93
Long-Term Debt to NOPAT		 0.00 0.00 0.00 -27.90 129.56 -19.75 -4.65 -2.57 -3.80 0.00 11.62
Altman Z-Score		 24.04 21.60 18.11 8.30 9.52 9.23 8.09 5.15 5.21 8.62 9.63
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		 6.34 5.94 4.03 5.13 5.75 5.96 4.51 3.71 2.95 1.55 2.77
Quick Ratio		 6.07 5.80 3.88 5.01 5.59 5.76 4.34 3.32 2.54 1.36 2.37
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1.01 -25 -139 -271 -91 -16 -63 -244 -128 20 22
Operating Cash Flow to CapEx		 1,010.59% 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%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -10,673.80 -42.04 -5.23 -0.87 -3.38 -12.53 -19.00 3.00 1.64
Operating Cash Flow to Interest Expense		 0.00 0.00 10,673.77 21.80 6.70 6.30 5.96 -1.95 5.72 29.05 22.77
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 10,160.69 19.94 3.88 4.87 4.42 -3.07 3.12 26.30 21.23
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.49 0.51 0.51 0.43 0.35 0.33 0.32 0.35 0.42 0.46 0.49
Accounts Receivable Turnover		 6.80 6.99 7.17 6.39 4.80 4.38 4.29 4.97 6.14 6.80 8.65
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		 30.73 34.73 37.29 39.60 17.05 11.33 10.23 10.11 13.39 17.84 20.76
Accounts Payable Turnover		 18.58 0.00 16.41 13.47 10.00 11.88 14.02 12.76 11.91 15.94 20.47
Days Sales Outstanding (DSO)		 53.67 52.25 50.94 57.11 76.10 83.32 85.17 73.42 59.43 53.67 42.19
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)		 19.65 0.00 22.24 27.09 36.51 30.72 26.04 28.61 30.64 22.90 17.83
Cash Conversion Cycle (CCC)		 34.02 52.25 28.70 30.02 39.59 52.61 59.13 44.81 28.79 30.77 24.36
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 12 48 201 461 554 553 542 646 669 612 649
Invested Capital Turnover		 52.34 14.59 4.09 1.97 1.42 1.34 1.36 1.37 1.38 1.53 1.91
Increase / (Decrease) in Invested Capital		 8.73 36 153 260 93 -1.05 -11 104 23 -57 36
Enterprise Value (EV)		 3,488 3,722 4,679 5,966 7,331 8,683 8,577 5,709 6,378 11,675 18,238
Market Capitalization		 4,166 4,458 5,367 6,919 8,352 9,787 9,579 6,514 6,908 12,405 19,047
Book Value per Share		 $9.77 $10.81 $11.95 $17.61 $19.24 $19.92 $18.58 $17.32 $14.73 $16.24 $17.31
Tangible Book Value per Share		 $9.58 $10.20 $9.08 $12.17 $14.26 $15.34 $14.24 $12.62 $9.98 $11.63 $12.49
Total Capital		 689 784 889 1,719 1,892 1,987 1,889 1,810 1,597 1,742 2,132
Total Debt		 0.00 0.00 0.00 305 317 330 344 358 397 399 675
Total Long-Term Debt		 0.00 0.00 0.00 305 317 330 344 358 397 0.00 675
Net Debt		 -678 -736 -688 -953 -1,020 -1,104 -1,003 -805 -530 -731 -809
Capital Expenditures (CapEx)		 6.30 7.11 6.67 12 49 26 29 22 17 19 20
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -14 -40 -62 -83 -22 -15 -64 -61 -72 -147 -187
Debt-free Net Working Capital (DFNWC)		 557 589 511 984 1,103 1,118 1,055 915 726 857 963
Net Working Capital (NWC)		 557 589 511 984 1,103 1,118 1,055 915 726 458 963
Net Nonoperating Expense (NNE)		 -0.15 -3.13 -4.22 16 -18 10 -7.40 41 7.21 -31 -12
Net Nonoperating Obligations (NNO)		 -678 -736 -688 -953 -1,020 -1,104 -1,003 -805 -530 -731 -809
Total Depreciation and Amortization (D&A)		 12 11 20 39 50 64 69 68 40 29 37
Debt-free, Cash-free Net Working Capital to Revenue		 -3.78% -9.09% -12.23% -12.69% -2.99% -2.08% -8.67% -7.50% -7.99% -14.97% -15.54%
Debt-free Net Working Capital to Revenue		 146.43% 134.96% 100.26% 150.77% 153.26% 150.61% 141.94% 112.62% 80.23% 87.38% 80.05%
Net Working Capital to Revenue		 146.43% 134.96% 100.26% 150.77% 153.26% 150.61% 141.94% 112.62% 80.23% 46.70% 80.05%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.14 $0.21 $0.29 ($0.25) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.83
Adjusted Weighted Average Basic Shares Outstanding		 70.08M 72.03M 73.99M 77.71M 81.45M 82.86M 83.58M 83.57M 82.18M 82.29M 83.85M
Adjusted Diluted Earnings per Share		 $0.14 $0.20 $0.28 ($0.25) $0.25 ($0.33) ($0.79) ($2.16) ($1.36) ($0.07) $0.81
Adjusted Weighted Average Diluted Shares Outstanding		 72.31M 73.77M 75.33M 77.71M 82.68M 82.86M 83.58M 83.57M 82.18M 82.29M 85.91M
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		 71.02M 73.07M 75.01M 80.61M 82.14M 83.47M 83.08M 84.08M 81.44M 83.03M 84.53M
Normalized Net Operating Profit after Tax (NOPAT)		 9.74 12 14 -11 1.03 -17 -74 -140 -105 -37 29
Normalized NOPAT Margin		 2.56% 2.72% 2.72% -1.68% 0.14% -2.25% -9.94% -17.18% -11.56% -3.75% 2.39%
Pre Tax Income Margin		 4.40% 4.77% 5.60% -1.27% 1.73% -3.28% -14.03% -28.27% -14.81% -2.74% 4.11%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 1,744.00 -2.35 -0.02 -1.73 -4.97 -11.14 -22.60 -9.44 0.45
NOPAT to Interest Expense		 0.00 0.00 1,065.35 -1.70 0.14 -0.93 -3.95 -7.18 -15.58 -5.46 4.39
EBIT Less CapEx to Interest Expense		 0.00 0.00 1,230.92 -4.21 -2.84 -3.16 -6.51 -12.26 -25.19 -12.19 -1.10
NOPAT Less CapEx to Interest Expense		 0.00 0.00 552.27 -3.56 -2.68 -2.36 -5.49 -8.30 -18.18 -8.21 2.84
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% 0.00% -242.56% -20.76% -234.06% 0.00% 0.00%

Quarterly Metrics And Ratios for Guidewire Software

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

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 10/31/2023 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
DEI Shares Outstanding		 - - - - - - - - - 85,019,176.00 84,657,470.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 85,019,176.00 84,657,470.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.71 0.19
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.21% 3.56% 16.00% 7.99% 26.76% 20.17% 21.95% 22.32% 26.53% - 26.93%
EBITDA Growth		 46.51% 453.14% 68.79% -5.98% 98.83% -914.94% 394.95% 151.68% 1,162.58% - -46.57%
EBIT Growth		 46.23% 86.30% 62.02% -9.24% 81.54% -3,239.41% 265.91% 249.38% 250.02% - -69.43%
NOPAT Growth		 54.69% -6.22% 71.12% 93.65% 34.12% 147.54% 136.13% 309.86% 251.56% - 504.83%
Net Income Growth		 60.95% 205.42% 87.98% 37.14% 133.76% -484.81% 939.56% 209.99% 242.58% - -64.19%
EPS Growth		 60.24% 209.09% 87.50% 50.00% 133.33% -475.00% 871.43% 190.48% 227.27% - -64.81%
Operating Cash Flow Growth		 17.56% 5,576.31% 109.88% 11.86% 13.56% 24.17% 573.54% 26.35% -8.17% - 89.13%
Free Cash Flow Firm Growth		 -3.70% 117.18% 121.41% 462.51% 93.56% 179.23% -263.82% -98.34% -870.32% - 23.73%
Invested Capital Growth		 5.21% -3.35% -4.50% -8.52% -1.56% -1.85% 5.72% 5.95% 8.35% - 6.94%
Revenue Q/Q Growth		 -23.17% 16.15% -0.09% 21.12% -9.82% 10.11% 1.39% 21.49% -6.71% - 3.74%
EBITDA Q/Q Growth		 -329.81% 114.01% -388.12% 201.37% -102.86% -9,656.96% 204.28% -13.50% -34.41% - -66.02%
EBIT Q/Q Growth		 -589.57% 96.56% -1,321.73% 137.92% -199.60% -521.83% 170.63% -20.14% -57.23% - -81.98%
NOPAT Q/Q Growth		 -600.26% 27.00% 32.30% 178.32% -270.19% 152.68% -48.55% 788.53% -37.07% - -17.61%
Net Income Q/Q Growth		 -321.53% 135.78% -156.55% 405.93% -45.47% -507.89% 223.38% 12.96% -39.74% - -72.60%
EPS Q/Q Growth		 -335.71% 136.36% -158.33% 400.00% -47.62% -509.09% 220.00% 12.96% -40.98% - -72.86%
Operating Cash Flow Q/Q Growth		 -141.61% 196.07% -93.06% 3,934.50% -132.15% 238.02% -62.38% 656.82% -127.53% - -45.40%
Free Cash Flow Firm Q/Q Growth		 -233.10% 112.71% 205.44% 180.30% -105.92% 650.98% -279.19% 102.84% -3,563.07% - 69.43%
Invested Capital Q/Q Growth		 12.03% -3.76% 3.91% -18.34% 20.55% -4.05% 11.92% -18.16% 23.28% - 1.44%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 54.14% 59.11% 59.09% 63.95% 60.25% 61.89% 62.25% 65.01% 62.99% - 63.52%
EBITDA Margin		 -19.53% 2.36% -6.79% 5.69% -0.18% -15.98% 16.43% 11.70% 8.23% - 7.28%
Operating Margin		 -16.29% -5.15% -6.94% 3.54% -1.80% 4.05% 1.52% 8.30% 5.56% - 8.22%
EBIT Margin		 -22.91% -0.68% -9.65% 3.02% -3.34% -18.85% 13.13% 8.63% 3.96% - 3.16%
Profit (Net Income) Margin		 -13.05% 4.02% -2.28% 5.75% 3.48% -12.88% 15.67% 14.57% 9.41% - 4.42%
Tax Burden Percent		 70.14% 139.10% 38.87% 88.75% 330.05% 86.64% 94.50% 126.76% 127.78% - 83.36%
Interest Burden Percent		 81.21% -426.19% 60.66% 214.35% -31.56% 78.85% 126.27% 133.15% 186.13% - 167.70%
Effective Tax Rate		 0.00% -39.10% 0.00% 11.25% -230.05% 0.00% 5.50% -26.76% -27.78% - 16.64%
Return on Invested Capital (ROIC)		 -14.31% -9.04% -6.07% 4.81% -8.25% 4.30% 2.12% 20.07% 11.75% - 11.88%
ROIC Less NNEP Spread (ROIC-NNEP)		 -13.57% -14.38% -7.38% 3.60% -13.27% 12.61% -5.43% 18.19% 10.53% - 13.62%
Return on Net Nonoperating Assets (RNNOA)		 5.27% 5.86% 2.81% -1.79% 5.29% -5.47% 2.27% -10.00% -4.75% - -5.28%
Return on Equity (ROE)		 -9.04% -3.18% -3.25% 3.02% -2.96% -1.17% 4.39% 10.07% 7.00% - 6.59%
Cash Return on Invested Capital (CROIC)		 -15.49% -5.93% -0.58% 3.15% -4.98% 1.93% -1.98% 3.43% 2.80% - 7.58%
Operating Return on Assets (OROA)		 -10.87% -0.31% -4.68% 1.39% -1.53% -8.97% 6.60% 4.20% 1.92% - 1.79%
Return on Assets (ROA)		 -6.19% 1.85% -1.10% 2.65% 1.59% -6.13% 7.87% 7.08% 4.57% - 2.50%
Return on Common Equity (ROCE)		 -9.04% -3.18% -3.25% 3.02% -2.96% -1.17% 4.39% 10.07% 7.00% - 6.59%
Return on Equity Simple (ROE_SIMPLE)		 -5.77% -4.04% -0.83% 0.00% 2.37% -1.33% 2.54% 0.00% 0.00% - 0.00%
Net Operating Profit after Tax (NOPAT)		 -24 -17 -12 9.15 -16 8.21 4.22 38 24 31 26
NOPAT Margin		 -11.40% -7.17% -4.86% 3.14% -5.93% 2.83% 1.44% 10.52% 7.10% - 6.86%
Net Nonoperating Expense Percent (NNEP)		 -0.74% 5.35% 1.31% 1.21% 5.01% -8.31% 7.55% 1.88% 1.22% - -1.74%
Return On Investment Capital (ROIC_SIMPLE)		 - -1.04% - - - 0.39% 0.21% 1.76% 1.07% 1.42% 1.28%
Cost of Revenue to Revenue		 45.86% 40.89% 40.91% 36.05% 39.75% 38.11% 37.75% 34.99% 37.01% - 36.48%
SG&A Expenses to Revenue		 18.81% 16.68% 17.58% 15.79% 16.26% 14.41% 16.20% 14.71% 14.57% - 13.41%
R&D to Revenue		 30.12% 27.17% 27.48% 25.84% 26.20% 24.27% 24.84% 23.59% 23.54% - 23.59%
Operating Expenses to Revenue		 70.43% 64.27% 66.03% 60.42% 62.04% 57.84% 60.72% 56.71% 57.43% - 55.30%
Earnings before Interest and Taxes (EBIT)		 -48 -1.63 -23 8.81 -8.78 -55 39 31 13 65 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -41 5.68 -16 17 -0.47 -46 48 42 27 80 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 6.09 7.28 7.16 9.24 12.20 13.91 12.61 13.07 12.88 - 8.89
Price to Tangible Book Value (P/TBV)		 8.95 10.49 10.19 12.90 17.41 19.82 17.98 18.12 17.50 - 13.34
Price to Revenue (P/Rev)		 8.00 9.88 9.59 12.65 14.93 16.27 15.10 15.84 15.52 - 8.25
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 513.65 0.00 496.25 272.86 214.73 - 73.30
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% 0.00% 0.19% 0.00% 0.20% 0.37% 0.47% - 1.36%
Enterprise Value to Invested Capital (EV/IC)		 9.18 11.94 11.56 19.07 20.24 24.13 20.95 28.12 23.78 - 13.27
Enterprise Value to Revenue (EV/Rev)		 7.50 9.31 9.03 11.91 14.42 15.75 14.60 15.17 14.95 - 7.92
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 2,752.88 0.00 918.48 421.97 277.95 - 66.88
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,049.33 681.09 - 92.85
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 39,301.76 601.11 314.25 228.83 - 95.97
Enterprise Value to Operating Cash Flow (EV/OCF)		 128.09 70.75 49.44 59.64 72.66 76.87 66.47 60.62 64.29 - 32.07
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 578.33 0.00 1,237.94 0.00 843.67 884.50 - 180.91
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.32 0.31 0.30 0.75 0.67 0.49 0.46 0.44 - 0.51
Long-Term Debt to Equity		 0.33 0.32 0.00 0.00 0.53 0.53 0.49 0.46 0.44 - 0.51
Financial Leverage		 -0.39 -0.41 -0.38 -0.50 -0.40 -0.43 -0.42 -0.55 -0.45 - -0.39
Leverage Ratio		 1.62 1.62 1.60 1.67 1.83 1.80 1.71 1.77 1.87 - 1.87
Compound Leverage Factor		 1.31 -6.91 0.97 3.59 -0.58 1.42 2.16 2.35 3.48 - 3.14
Debt to Total Capital		 24.80% 24.06% 23.66% 22.90% 42.84% 40.17% 33.08% 31.64% 30.58% - 33.96%
Short-Term Debt to Total Capital		 0.00% 0.00% 23.66% 22.90% 12.56% 8.44% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 24.80% 24.06% 0.00% 0.00% 30.28% 31.73% 33.08% 31.64% 30.58% - 33.96%
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		 75.20% 75.94% 76.34% 77.10% 57.16% 59.83% 66.92% 68.36% 69.42% - 66.04%
Debt to EBITDA		 -5.17 -5.72 -11.87 -11.52 175.19 -18.32 37.26 15.61 9.87 - 4.03
Net Debt to EBITDA		 5.93 7.68 15.96 21.11 -97.70 12.06 -31.53 -18.71 -10.73 - -2.79
Long-Term Debt to EBITDA		 -5.17 -5.72 0.00 0.00 123.84 -14.47 37.26 15.61 9.87 - 4.03
Debt to NOPAT		 -5.22 -5.81 -10.02 -10.84 -19.50 1,959.50 24.39 11.62 8.13 - 5.78
Net Debt to NOPAT		 5.99 7.80 13.48 19.85 10.88 -1,289.72 -20.63 -13.93 -8.83 - -4.01
Long-Term Debt to NOPAT		 -5.22 -5.81 0.00 0.00 -13.78 1,547.80 24.39 11.62 8.13 - 5.78
Altman Z-Score		 6.54 7.71 7.53 8.73 7.51 8.74 9.76 9.66 11.38 - 6.22
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		 3.72 3.45 1.53 1.55 2.66 2.65 3.23 2.77 3.48 - 2.44
Quick Ratio		 3.07 2.95 1.26 1.36 2.33 2.31 2.63 2.37 2.84 - 1.79
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -61 7.73 24 66 -3.92 22 -39 1.10 -38 -96 -29
Operating Cash Flow to CapEx		 -1,536.95% 1,292.48% 118.62% 4,374.20% -1,227.44% 2,315.94% 715.87% 3,425.65% -676.28% - 813.70%
Free Cash Flow to Firm to Interest Expense		 -36.11 4.57 14.00 39.44 -1.90 5.16 -10.54 0.33 -11.47 - -8.89
Operating Cash Flow to Interest Expense		 -42.83 40.93 2.85 115.55 -30.22 20.56 8.82 74.24 -20.35 - 18.44
Operating Cash Flow Less CapEx to Interest Expense		 -45.62 37.76 0.45 112.91 -32.68 19.67 7.59 72.07 -23.36 - 16.17
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.47 0.46 0.48 0.46 0.46 0.48 0.50 0.49 0.49 - 0.57
Accounts Receivable Turnover		 6.74 5.20 5.30 6.80 10.87 8.63 9.04 8.65 13.25 - 9.93
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		 13.66 13.85 17.66 17.84 18.75 19.87 20.57 20.76 21.13 - 23.25
Accounts Payable Turnover		 13.77 13.61 13.48 15.94 16.07 17.83 16.42 20.47 14.44 - 16.00
Days Sales Outstanding (DSO)		 54.13 70.22 68.81 53.67 33.57 42.28 40.38 42.19 27.55 - 36.75
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)		 26.50 26.82 27.07 22.90 22.72 20.47 22.23 17.83 25.27 - 22.81
Cash Conversion Cycle (CCC)		 27.62 43.40 41.74 30.77 10.85 21.81 18.15 24.36 2.28 - 13.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 750 721 750 612 738 708 793 649 800 836 848
Invested Capital Turnover		 1.25 1.26 1.25 1.53 1.39 1.52 1.48 1.91 1.65 - 1.73
Increase / (Decrease) in Invested Capital		 37 -25 -35 -57 -12 -13 43 36 62 127 55
Enterprise Value (EV)		 6,884 8,615 8,663 11,675 14,934 17,084 16,606 18,238 19,016 - 11,246
Market Capitalization		 7,340 9,150 9,199 12,405 15,464 17,645 17,176 19,047 19,750 - 11,716
Book Value per Share		 $14.80 $15.33 $15.43 $16.24 $15.27 $15.19 $16.24 $17.31 $18.14 $17.77 $15.56
Tangible Book Value per Share		 $10.07 $10.65 $10.83 $11.63 $10.70 $10.66 $11.39 $12.49 $13.35 $12.57 $10.37
Total Capital		 1,603 1,654 1,684 1,742 2,218 2,121 2,036 2,132 2,209 2,187 1,994
Total Debt		 398 398 398 399 950 852 674 675 675 676 677
Total Long-Term Debt		 398 398 0.00 0.00 672 673 674 675 675 676 677
Net Debt		 -456 -535 -536 -731 -530 -561 -570 -809 -734 -675 -470
Capital Expenditures (CapEx)		 4.69 5.36 4.05 4.43 5.08 3.71 4.52 7.15 9.97 6.39 7.52
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 1.48 -24 -7.12 -147 -38 -71 -13 -187 -45 -32 -31
Debt-free Net Working Capital (DFNWC)		 714 754 775 857 1,301 1,098 907 963 967 887 718
Net Working Capital (NWC)		 714 754 377 458 1,022 919 907 963 967 887 718
Net Nonoperating Expense (NNE)		 3.42 -27 -6.21 -7.61 -25 45 -42 -14 -7.70 -29 9.07
Net Nonoperating Obligations (NNO)		 -456 -535 -536 -731 -530 -561 -570 -809 -734 -675 -470
Total Depreciation and Amortization (D&A)		 7.01 7.31 6.88 7.77 8.30 8.32 9.69 11 14 14 15
Debt-free, Cash-free Net Working Capital to Revenue		 0.16% -2.60% -0.74% -14.97% -3.64% -6.50% -1.18% -15.54% -3.52% - -2.20%
Debt-free Net Working Capital to Revenue		 77.87% 81.40% 80.84% 87.38% 125.55% 101.28% 79.75% 80.05% 76.02% - 50.55%
Net Working Capital to Revenue		 77.87% 81.40% 39.28% 46.70% 98.65% 84.77% 79.75% 80.05% 76.02% - 50.55%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.33) $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.55 $0.62 $0.37 $0.71 $0.20
Adjusted Weighted Average Basic Shares Outstanding		 81.69M 82.13M 82.50M 82.29M 83.28M 83.71M 84.04M 83.85M 84.78M 84.86M 84.24M
Adjusted Diluted Earnings per Share		 ($0.33) $0.12 ($0.07) $0.21 $0.11 ($0.45) $0.54 $0.61 $0.36 $0.70 $0.19
Adjusted Weighted Average Diluted Shares Outstanding		 81.69M 83.31M 82.50M 82.29M 85.96M 83.71M 85.88M 85.91M 86.45M 86.12M 85.07M
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		 81.93M 83.32M 82.66M 83.03M 83.52M 83.88M 84.20M 84.53M 85.02M 84.66M 83.26M
Normalized Net Operating Profit after Tax (NOPAT)		 -24 -8.69 -12 9.15 -3.30 8.21 4.22 21 13 31 26
Normalized NOPAT Margin		 -11.40% -3.61% -4.86% 3.14% -1.26% 2.83% 1.44% 5.81% 3.89% - 6.86%
Pre Tax Income Margin		 -18.61% 2.89% -5.86% 6.48% 1.05% -14.86% 16.58% 11.49% 7.37% - 5.30%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -28.24 -0.97 -13.78 5.25 -4.26 -13.04 10.51 9.33 3.97 - 3.55
NOPAT to Interest Expense		 -14.05 -10.20 -6.93 5.46 -7.55 1.96 1.15 11.38 7.13 - 7.70
EBIT Less CapEx to Interest Expense		 -31.02 -4.13 -16.18 2.61 -6.72 -13.93 9.28 7.17 0.97 - 1.29
NOPAT Less CapEx to Interest Expense		 -16.84 -13.37 -9.33 2.82 -10.02 1.07 -0.08 9.21 4.12 - 5.43
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% 0.00% -449.30% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 245.52%

Financials Breakdown Chart

Key Financial Trends

Guidewire Software (NYSE: GWRE) is showing a meaningful turnaround in profitability and cash generation, but the balance sheet and financing mix still deserve close attention. Over the last four fiscal years, the company has moved from frequent net losses and inconsistent operating cash flow to stronger revenue growth, positive earnings, and much healthier operating cash flow in the latest quarter.

Recent quarterly trend: In Q2 2026, revenue rose to $359.1 million from $332.6 million in Q1 2026 and $356.6 million in Q4 2025. Net income improved to $60.1 million in Q2 2026 from $31.3 million in Q1 2026. Operating cash flow also rebounded sharply to $112.0 million, compared with a negative $67.4 million in Q1 2026.

  • Revenue growth has remained solid, with Q2 2026 revenue up year over year from $291.5 million in Q4 2025 and well above the weaker quarters seen in 2024.
  • Profitability has improved dramatically: Q2 2026 net income of $60.1 million was one of the strongest quarters in the data set.
  • Operating cash flow turned strongly positive in Q2 2026 at $112.0 million, a major improvement from the negative operating cash flow in Q1 2026.
  • Gross profit remains healthy, with Q2 2026 gross profit of $231.5 million on revenue of $359.1 million.
  • The company continues to hold a large liquidity cushion, including $407.9 million in cash and equivalents plus $511.2 million in short-term investments at the end of Q2 2026.
  • Guidewire still has a strong equity base, with total equity of $1.51 billion in Q2 2026.
  • Deferred revenue remains significant, which supports future recognized revenue, but it also reflects customer prepayments rather than current-period earnings.
  • A large portion of assets is tied up in goodwill and intangibles following past acquisitions, which is common in software but adds some balance sheet complexity.
  • Long-term debt remains material at about $676.3 million in Q2 2026, so leverage is still part of the story.
  • Financing cash flow was negative in Q2 2026, mainly because of debt-related activity and other financing uses, which reduces flexibility despite improved operations.

Looking at the broader four-year pattern, the improvement is clear. In early 2023 and into 2024, Guidewire frequently posted losses and negative operating cash flow, including Q1 2023 net income of -$69.3 million and Q1 2024 net income of -$27.1 million. By 2025, the business began stabilizing, and in 2026 it appears to have crossed into a stronger earnings and cash flow profile.

Bottom line: Guidewire looks much healthier than it did a year or two ago. Revenue is growing, margins are improving, and operating cash generation has become much more consistent. The main watch items are debt and the reliance on financing/treasury activity, but the overall trend is positive for long-term investors.

06/12/26 05:02 AM 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 financial year ends in July. Their financial year 2025 ended on July 31, 2025.

Guidewire Software's net income appears to be on an upward trend, with a most recent value of $69.80 million in 2025, rising from $9.89 million in 2015. The previous period was -$6.10 million in 2024. View Guidewire Software's forecast to see where analysts expect Guidewire Software to go next.

Guidewire Software's total operating income in 2025 was $41.07 million, based on the following breakdown:
  • Total Gross Profit: $752.05 million
  • Total Operating Expenses: $710.99 million

Over the last 10 years, Guidewire Software's total revenue changed from $380.54 million in 2015 to $1.20 billion in 2025, a change of 216.0%.

Guidewire Software's total liabilities were at $1.26 billion at the end of 2025, a 43.0% increase from 2024, and a 1,043.2% increase since 2015.

In the past 10 years, Guidewire Software's cash and equivalents has ranged from $212.36 million in 2015 to $697.90 million in 2025, and is currently $697.90 million as of their latest financial filing in 2025.

Over the last 10 years, Guidewire Software's book value per share changed from 9.77 in 2015 to 17.31 in 2025, a change of 77.1%.


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Financial statements for NYSE:GWRE last updated on 6/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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