Guidewire Software (GWRE)
Information Technology · Insurance software / P&C insurance operations platforms · NYSE
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: insurtech, P&C insurance core systems, SaaS transition, AI in insurance, cloud transformation, digital insurance transformation
Fundamentals
- Price$189.19 as of 2026-08-21 close
- Market cap$15.8B as of 2026-08-21
- 1-year return-11.2% 2025-08-21 close $213.11 → 2026-08-21 close $189.19
- P/E95.12 as of 2026-08-24
- Net margin+11.3% as of 2026-08-24
- Gross margin+64.0% as of 2026-08-24
- ROE+11.0% as of 2026-08-24
- Debt / equity0.51 as of 2026-08-24
- Revenue growth (YoY)+24.9% as of 2026-08-24
- Revenue CAGR (3y)+14.0% SEC XBRL
- Beta0.97 as of 2026-08-24
- Last reported earnings2026-06-04 SEC EDGAR Form 8-K (Item 2.02)
How GWRE compares in its sector
- price-to-earnings ratiotop 25% 265 covered Information Technology peers, as of 2026-08-24
- net profit marginmiddle range 405 covered Information Technology peers, as of 2026-08-24
- operating marginmiddle range 405 covered Information Technology peers, as of 2026-08-24
- gross marginmiddle range 403 covered Information Technology peers, as of 2026-08-24
- return on equitymiddle range 405 covered Information Technology peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 386 covered Information Technology peers
- free cash flow (absolute dollars, latest fiscal year)middle range 382 covered Information Technology peers, as of FY2025
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.
Top 10 scores & list membership
GWRE is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
51.6 #688 of 1,704 scored · #94 of 261 in Information Technology
Trend 78th: the price is 37% above the average price paid over the period covered, so the typical buyer over that stretch is showing a gain; momentum 66th: MACD momentum is positive; weakest is catalysts 45th: open-market insider buys in 90 days 0, the analyst consensus rating is unchanged since the prior reading. Its score is docked 10 points for overextended (RSI above 75 or stochastic above 90).
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How Guidewire Software looks technically
Guidewire Software (GWRE) is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 161 trading days ago — a "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 70, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day high, its first since 2025-12-31, pushing above its recent trading range. It is 30.6% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +18.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $144.70 | $144.70 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $160.00 | $160.00 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 23 calendar days ago — the swings before that are what the structure reading is measured on | 23 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 152.19. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 161 trading days ago — a "death cross", a bearish long-term signal | 161 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 18.2% above | +18.2% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control | 32.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 70, neither overbought (above 70) nor oversold (below 30) | 69.5 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($151.20 to $189.92) — its "stochastic" reading is 98 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. | 98.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 20 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $272.60 | $272.60 |
|---|---|---|
| From the 52-week high | it is 30.6% below its 52-week high (its highest price of the past year) | -30.6% |
| Above the 52-week low | it is 84.9% above its 52-week low (its lowest price of the past year) | +84.9% |
| Below the 52-week high | it is 30.6% below its highest point of the past year | 30.6% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2025-12-31, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, its first since 2025-12-31, pushing above its recent trading range | 1 session |
| 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 $261.88), and it has recovered around half of its fall from last year’s high — 54% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $201.07 to $206.16. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 54.3% |
| From the all-time high | it is 30.6% below its all-time high | -30.6% |
| Nearest price level | it is trading 0.8% below a resistance level at $190.68 — a price it turned at three times since 2024-10-16, most recently on 2025-12-16. Since 2024-08-21 it has 9 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. | +0.8% |
| 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 1050.1% above its all-time low | +1,050% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 37th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $8.22 between its high and its low — about 4.3% 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 | $8.22 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $146.19 and $191.05 — 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 | $146.19 – $168.62 – $191.05 |
| Typical daily range (% of price) | its price moves about 4.3% 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 | 4.3% |
| Stretch from the 200-day average | it is trading 3.6 daily ranges above its 200-day average price (18.2% 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 | 3.6 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 | 0.99× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 0.7% since the prior reading | +0.7% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.1% |
|---|---|---|
| Open gap | it gapped 2.5% above the previous close 10 sessions ago and has not traded back through the level it left behind at 160.03 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.5% |
| Gap filled | a 2.1% gap down opened on 2026-08-12 has been "filled" 7 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 7 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 4 sessions in a row, a +10% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 4 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 30.4 percentage points (the stock gained 32.7% while the market gained 2.3%) | +30.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 36.3 percentage points (the stock gained 39.4% while the market gained 3.1%) | +36.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 37.1 percentage points (the stock gained 48.2% while the market gained 11.1%) | +37.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 31.7 percentage points (the stock lost 11.2% while the market gained 20.5%) | -31.7% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, 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 | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 37% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 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 thin, spanning 0.3% of the share price, which is taken to mean a barrier that gives way easily. | +37.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 32% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $143.48 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +31.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 37% above the average price paid since it last reported on 2026-06-04 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $138.57 — a volume-weighted average of daily closes over 52 sessions, not a true tick-by-tick VWAP. | +36.5% |
Price levels it has turned at before
GWRE last closed at $189.19 on 2026-08-21. Since 2024-08-21 it has turned at 9 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 |
|---|---|---|---|
| $190.68 | Resistance | 0.8% above the last close | turned there three times · 2024-10-16 to 2025-12-16 |
| $184.97 | Support | 2.2% below the last close | turned there twice · 2024-10-23 to 2024-11-04 |
| $179.78 | Support | 5.0% below the last close | turned there twice · 2024-12-18 to 2025-04-21 |
| $200.16 | Resistance | 5.8% above the last close | turned there twice · 2024-11-13 to 2025-03-25 |
| $172.81 | Support | 8.7% below the last close | turned there twice · 2026-03-06 to 2026-06-01 |
| $207.79 | Resistance | 9.8% above the last close | turned there 7 times · 2024-11-25 to 2025-12-23 |
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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $152.19.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $152.19 and $160.83 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
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 · Tested and reclaimed 200-day support · Pulled back from the 12-month high · Broke out to a new 20-day high · in a strong, established uptrend (ADX) · beating the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.63 mean, 1=Strong Buy…5=Strong Sell) — 14 analysts
- Mean price target$202.43 range $137.00 – $258.00; median $206.00
Analyst estimates, as of 2026-08-21. 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$0.9366 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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)
["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."]
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
The two filings could not be meaningfully compared for this section.
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 17 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($357876) — 1 selling insider
- Last 90 days0 buys · 17 sells ($4M) — 5 selling insiders
- Last 180 days0 buys · 24 sells ($5M) — 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: 2026-08-03. As of 2026-08-24.
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.
Congressional 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.
Congressional trading disclosures →Institutional ownership (13F)
4 institutional 13F filers reported holding GWRE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 12,646,710
- Reported value $1,891,442,100
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 2 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.
Short interest (FINRA)
GWRE had 5,068,737 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
GWRE had 6.09% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.92 days to cover at the same settlement.
- Reported short interest (shares) 5,068,737
- Short interest (% of shares outstanding) 6.09%
- Prior settlement (shares) 5,101,424
- Reported change -0.64%
- Days to cover (reported) 3.92
Reported to FINRA as of the 2026-07-31 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
- FIS (FIS)
- SS&C Technologies (SSNC)
- Sapiens International (SPNS)
- Temenos (TMYY)
- Majesco
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 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…
What sector is Guidewire Software (GWRE) in?
Guidewire Software (GWRE) is classified in the Information Technology sector. Its industry is Insurance software / P&C insurance operations platforms. It trades on NYSE.
Who are Guidewire Software's (GWRE) competitors?
Notable peers of Guidewire Software (GWRE) include FIS, SS&C Technologies, Sapiens International, Temenos and Majesco. This peer set is informational only — not financial advice.
Has there been recent Congressional 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 70, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on GWRE come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.