Guidewire Software (GWRE)
Information Technology · Insurance software / P&C insurance operations platforms
Guidewire is the cloud-based software platform that property and casualty insurers depend on to manage policy, claims, and billing operations combined with AI-powered digital engagement and analytics capabilities.
What Guidewire Software does
Guidewire provides a cloud-based platform for property and casualty (P&C) insurance carriers of all sizes to manage core operations and engage customers. The platform combines core systems of record (PolicyCenter, ClaimCenter, BillingCenter, and newly announced PricingCenter and UnderwritingCenter) delivered through two main products—InsuranceSuite for larger, complex carriers and InsuranceNow for mid-market carriers—with embedded digital engagement, analytics, and artificial intelligence capabilities. Customers are primarily billed on a subscription basis priced around Direct Written Premium (DWP) managed on the platform, with typical initial contracts of five to seven years.
Themes: ["P&C insurance operations / core systems","Cloud-based SaaS insurance platform","Digital customer engagement for insurance","Insurance analytics and data management","AI-powered insurance capabilities"]
Fundamentals
- Price$135.05 as of 2026-07-09 close
- Market cap$11.3B as of 2026-07-10
- 1-year return-41.6% as of 2026-07-09 close
- P/E70.70 as of 2026-07-10
- Net margin+11.3% as of 2026-07-10
- Gross margin+64.0% as of 2026-07-10
- ROE+11.0% as of 2026-07-10
- Debt / equity0.51 as of 2026-07-10
- Revenue growth (YoY)+24.9% as of 2026-07-10
- Revenue CAGR (3y)+14.0% SEC XBRL
- Beta0.94 as of 2026-07-10
Key risks (from latest filing)
["Long customer evaluation cycles and extensive sales processes create extended sales pipelines and may delay revenue realization.","Platform criticality to insurer operations creates high customer lock-in but also high expectations for reliability, performance, and continuous innovation, with failure to meet expectations risking customer churn.","Transition from on-premise to cloud-based delivery models and the need to compete with other insurance software platforms requires sustained product development investment and successful cloud operations execution."]
Competitors & peers
- FIS (FIS)
- SS&C Technologies (SSNC)
- Sapiens International (SPNS)
- Temenos (TMYY)
- Majesco
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.