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Upturn AI Summary - About
Guidewire Software Inc(GWRE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GWRE
11/09/2026: GWRE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Guidewire Software is a key provider of cloud-based enterprise platforms for the property and casualty insurance industry. The company has a leading position, as many global insurers rely on its core systems to manage complex policy, billing, and claims operations. Its primary growth story centers on migrating its established customer base from on-premise software to its cloud platform. Key risks include intense competition, the slow decision-making cycles of insurance carriers, and the execution complexity inherent in large-scale software transformations. Guidewire is best suited for growth-oriented investors looking for exposure to enterprise digital transformation; stakeholders should monitor ARR growth and the pace of cloud adoption.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company's transition to a SaaS model and cloud adoption creates a long-term predictable growth profile. |
| Momentum investor | Mixed fit | Momentum depends on cloud migration progress and quarterly ARR beat signals. |
| Value investor | Weak fit | Guidewire typically trades at high valuation multiples common for growth-stage SaaS companies. |
| Dividend investor | Weak fit | The company does not pay a dividend and focuses on reinvesting cash flow. |
| Low-risk investor | Weak fit | The stock experiences volatility common with high-growth technology companies. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Technology growth stocks often experience significant price swings based on market sentiment. |
| Valuation risk | Medium / high | Market expectations for high growth mean the stock can be sensitive to any signs of slowing revenue growth. |
| Competition risk (Cloud-native and legacy) | Medium | Guidewire faces pressure from both established ERP players and new, lower-cost cloud entrants. |
| Business quality | Strong | Guidewire has a strong, sticky franchise within the complex insurance enterprise software market. |
| Dividend income | Low / none | Investors should not expect income generation from this stock. |
| Execution risk | Medium | The success of the company depends on the effective execution of its multi-year cloud migration strategy. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -28.06% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.34B USD | Price to earnings Ratio 99.02 | 1Y Target Price 213.64 |
Price to earnings Ratio 99.02 | 1Y Target Price 213.64 | ||
Volume (30-day avg) 1.2M shares | Beta 1 | 52 Weeks Range 102.30 - 229.85 | Updated Date 11/08/2026 |
52 Weeks Range 102.30 - 229.85 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.63 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription & Support | Revenue from Guidewire Cloud services and support contracts. | This is the primary growth driver, representing recurring revenue from software services. |
| License | Traditional on-premise software licenses. | This segment is declining as customers shift toward cloud subscription models. |
| Services | Professional services for implementation and training. | These services help customers adopt the software but often have lower margins than subscriptions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 99.02 | Forward PE 37.88 | Enterprise Value 13.30B | Price to Sales(TTM) 9.04 |
Enterprise Value 13.30B | Price to Sales(TTM) 9.04 | ||
Enterprise Value to Revenue 9.01 | Enterprise Value to EBITDA 64.75 | Shares Outstanding 82.63M | Shares Floating 74.42M |
Shares Outstanding 82.63M | Shares Floating 74.42M | ||
Percent Insiders 0.49 | Percent Institutions 104.37 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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