Guidewire Software (GWRE)
Information Technology · insurance software / fintech · NYSE
Guidewire is the leading cloud platform that enables property and casualty insurers to modernize their core operations, improve customer engagement, and leverage AI to drive business innovation.
What Guidewire Software does
Guidewire provides a cloud-based software platform for property and casualty (P&C) insurers to modernize core operations and manage the insurance policy lifecycle. The company's platform integrates transactional systems of record—including underwriting, policy administration, billing, and claims management—with digital, analytics, and AI-driven capabilities. Guidewire serves global insurance carriers, regional providers, and managing agents through a subscription-based model delivered via the Guidewire Cloud Platform (GWCP).
Recent developments
In its fiscal Q3 2026 earnings release, the company raised its full-year guidance for revenue, operating income, and cash flow, citing strong adoption of its cloud platform and AI capabilities. During the quarter, the company also repurchased approximately 1.7 million shares as part of a new $500 million share repurchase program authorized in January 2026.
From Guidewire Software's filing of 2026-06-05.
Themes: insurtech, P&C insurance modernization, cloud-based core systems, AI in insurance, SaaS subscription models
Fundamentals
- Price$183.58 as of 2026-10-20 close
- Market cap$15.1B as of 2026-08-31 (share count; price 2026-10-20)
- 1-year return-27.7% 2025-10-20 close $253.97 → 2026-10-20 close $183.58
- P/E112.63 as of 2026-10-20
- Net margin+9.4% FY2026, SEC XBRL
- Gross margin+64.2% FY2026, SEC XBRL
- ROE+11.7% FY2026, SEC XBRL
- ROICn/a No figure: its filing reports debt under a line we do not read.
- Debt / equityn/a No figure: its filing reports debt under a line we do not read, so a total would be understated.
- Revenue growth (YoY)+22.7% FY2026, SEC XBRL
- Revenue CAGR (3y)+17.7% SEC XBRL
- Beta0.81 as of 2026-09-03
- Last reported earnings2026-06-04 SEC EDGAR Form 8-K (Item 2.02)
How GWRE compares in its sector
- price-to-earnings ratiotop 10% 231 covered Information Technology peers, as of 2026-10-20
- net profit marginmiddle range 379 covered Information Technology peers, as of 2026-09-03
- operating marginmiddle range 374 covered Information Technology peers, as of 2026-09-03
- gross marginmiddle range 310 covered Information Technology peers, as of 2026-09-03
- return on equitymiddle range 369 covered Information Technology peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 383 covered Information Technology peers
- free cash flow (absolute dollars, latest fiscal year)middle range 380 covered Information Technology peers, as of FY2026
Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Quarterly results
| Quarter | Revenue | Gross profit | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|---|
| Q4 FY2026 2026-07-31 | $411M† | $270M† | $62M† | $31M† | $0.37† | $284M† | $2M† |
| Q3 FY2026 2026-04-30 | $373M | $237M | $31M | $16M | $0.19 | $61M† | $2M† |
| Q2 FY2026 2026-01-31 | $359M | $232M | $38M | $60M | $0.70 | $112M† | $3M† |
| Q1 FY2026 2025-10-31 | $333M | $210M | $18M | $31M | $0.36 | -$67M | $5M |
| Q4 FY2025 2025-07-31 | $357M† | $232M† | $30M† | $52M† | $0.60† | $245M† | $3M† |
| Q3 FY2025 2025-04-30 | $294M | $183M | $4M | $46M | $0.54 | $32M† | $703000† |
| Q2 FY2025 2025-01-31 | $289M | $179M | $12M | -$37M | -$0.45 | $86M† | $790000† |
| Q1 FY2025 2024-10-31 | $263M | $158M | -$5M | $9M | $0.11 | -$62M | $843000 |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-07-31
- Cash and equivalents$373M
- Short-term investments$380M
- Total debtnot shown the filing reports its long-term debt in a form we do not read yet
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Guidewire Software looks technically
Guidewire Software (GWRE) is trading 22.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 33 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 66, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day high, its first since 2026-09-03, pushing above its recent trading range. It is 28.3% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 22.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +22.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $167.38 | $167.38 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $150.41 | $150.41 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 139.05. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 33 trading days ago — a "golden cross", a bullish long-term signal | 33 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 22.1% above | +22.1% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 66, neither overbought (above 70) nor oversold (below 30) | 65.8 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($146.85 to $185.87) — its "stochastic" reading is 94 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 94.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 14 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $255.89 | $255.89 |
|---|---|---|
| From the 52-week high | it is 28.3% below its 52-week high (its highest price of the past year) | -28.3% |
| Above the 52-week low | it is 79.5% above its 52-week low (its lowest price of the past year) | +79.5% |
| Below the 52-week high | it is 28.3% below its highest point of the past year | 28.3% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-09-03, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 37 trading days ago | 37 sessions |
| All-time high | its highest closing price on record is $272.60 (set on 2025-09-05) | $272.60 |
| Given back of the 52-week move | over the past year its closes ranged ($102.69 to $254.23), and it has recovered around half of its fall from last year’s high — 53% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $196.34 to $201.19. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 53.4% |
| From the all-time high | it is 32.7% below its all-time high | -32.7% |
| Nearest price level | it is trading 2.1% above a support level at $179.78 — a price it turned at twice since 2024-12-18, most recently on 2025-04-21. Since 2024-10-21 it has 10 such levels below the current price and 7 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.1% |
| All-time low | its lowest closing price on record is $16.45 (set on 2012-01-25) | $16.45 |
| Above the all-time low | it is 1016.0% above its all-time low | +1,016% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 42nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $8.00 between its high and its low — about 4.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $8.00 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $138.09 and $182.52 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $138.09 – $160.31 – $182.52 |
| Typical daily range (% of price) | its price moves about 4.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.4% |
| Stretch from the 200-day average | it is trading 4.2 daily ranges above its 200-day average price (22.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.18× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-10-20 2.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +2.1% |
|---|---|---|
| Open gap | it gapped 2.1% above the previous close today and has not traded back through the level it left behind at 171.44 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.1% |
| Gap filled | a 2.2% gap up opened on 2026-09-23 has been "filled" 19 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 19 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +8.72% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 26.3 percentage points (the stock gained 27.2% while the market gained 1.0%) | +26.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 19.4 percentage points (the stock gained 23.1% while the market gained 3.6%) | +19.4% |
| vs market, 6 months | over the past 6 months this stock beat the market by 19.9 percentage points (the stock gained 28.4% while the market gained 8.5%) | +19.9% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 42.3 percentage points (the stock lost 27.7% while the market gained 14.6%) | -42.3% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.8% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.7% of the share price. | +6.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 24% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $147.76 — a volume-weighted average of daily closes over 198 sessions, not a true tick-by-tick VWAP. | +24.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 18% above the average price paid since it last reported on 2026-09-11 (its 10-K), so the typical buyer over that stretch is showing a gain. That average is $156.04 — a volume-weighted average of daily closes over 28 sessions, not a true tick-by-tick VWAP. | +17.6% |
Head and shoulders, bearish — broke down · entry $143.42 · 66 sessions in
Price levels it has turned at before
GWRE last closed at $183.58 on 2026-10-20. Since 2024-10-21 it has turned at 10 prices below its last close and 7 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $179.78 | Support | 2.1% below the last close | turned there twice · 2024-12-18 to 2025-04-21 |
| $190.27 | Resistance | 3.6% above the last close | turned there twice · 2024-11-15 to 2025-12-16 |
| $172.81 | Support | 5.9% below the last close | turned there twice · 2026-03-06 to 2026-06-01 |
| $169.25 | Support | 7.8% below the last close | turned there twice · 2024-12-17 to 2026-07-29 |
| $200.16 | Resistance | 9.0% above the last close | turned there twice · 2024-11-13 to 2025-03-25 |
| $207.75 | Resistance | 13.2% above the last close | turned there 8 times · 2024-11-25 to 2026-08-28 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $139.05.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 15 trading days, since 2026-09-30.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Tested and reclaimed 200-day support · Pulled back from the 12-month high · Broke out to a new 20-day high · beating the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.69 mean, 1=Strong Buy…5=Strong Sell) — 14 analysts
- Mean price target$213.29 range $170.00 – $258.00; median $215.00
Analyst estimates, as of 2026-10-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for GWRE
- Consensus EPS estimate$0.7248 next reporting period, as of 2026-10-16
- Estimate change, 30 days$0.00 (0.0%) from $0.7248, on 2026-09-11, 35-day window
- Readings revised upward0% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration risk due to reliance on a relatively small number of large P&C insurance customers.","Lengthy and variable sales/implementation cycles that make revenue and ARR forecasting difficult.","Operational and security risks associated with managing cloud-based infrastructure and protecting sensitive customer data."]
What changed in the latest 10-Q
AI-assisted comparison of GWRE's 10-Q filed 2026-06-05 against the prior one filed 2026-03-06.
Management's Discussion & Analysis (MD&A)
- Added:
- In newer filing (2026-06-05): 'InsuranceNow is currently only available in the United States and Canada' (added 'and Canada' to geographic availability)
- Reworded:
- Page number changed from '25' in older filing (2026-03-06) to '26' in newer filing (2026-06-05)
- Notes:
- Both filings appear truncated at the end ('We face a number of ri...' and 'We face a number of risks in the...'), making full comparison of that section impossible
- The substantive change identified is limited to InsuranceNow's geographic availability expansion to include Canada
Risk Factors
- Notes:
- Both texts appear identical in the portions provided, except for the page number reference (48 in the newer filing vs. 47 in the older filing), which is a formatting difference rather than a substantive change.
- The newer filing text is truncated mid-sentence at 'employee retention, the ability to hire and onboard appropriate personnel, and the timing of hiring personnel and employe' and the older filing text is truncated at the identical point, limiting comparison of any content beyond that point.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 30 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 30 days · read to 2026-10-160 buys · 6 sells ($3M) — 3 selling insiders
- Last 90 days · read to 2026-10-160 buys · 30 sells ($35M) — 5 selling insiders
- Last 180 days · read to 2026-10-160 buys · 50 sells ($39M) — 5 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-20. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about GWRE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 5 matched disclosures for GWRE from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
4 institutional 13F filers reported holding GWRE as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 12,328,095
- Reported value $1,516,963,521
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about GWRE's institutional holders → See what each manager we track holds →
Short interest (FINRA)
GWRE had 2,892,902 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
GWRE had 3.53% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.41 days to cover at the same settlement.
- Reported short interest (shares) 2,892,902
- Short interest (% of shares outstanding) 3.53%
- Prior settlement (shares) 3,173,947
- Reported change -8.85%
- Days to cover (reported) 2.41
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Duck Creek Technologies
- Majesco
- DXC Technology (DXC)
- Oracle (ORCL)
- SAP (SAP)
- FIS (FIS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Guidewire Software (GWRE) do?
Guidewire provides a cloud-based software platform for property and casualty (P&C) insurers to modernize core operations and manage the insurance policy lifecycle. The company's platform integrates transactional systems of record—including underwriting, policy administration, billing, and claims management—with digital, analytics, and AI-driven capabilities.
What sector is Guidewire Software (GWRE) in?
Guidewire Software (GWRE) is classified in the Information Technology sector. Its industry is insurance software / fintech. It trades on NYSE.
Who are Guidewire Software's (GWRE) competitors?
Notable peers of Guidewire Software (GWRE) include Duck Creek Technologies, Majesco, DXC Technology, Oracle and SAP. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in GWRE?
Yes — we hold 5 matched STOCK Act disclosures for GWRE from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Guidewire Software (GWRE) overbought or oversold right now?
Guidewire Software (GWRE) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 66, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on GWRE come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.