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GWRE logo GWRE
Upturn stock rating
GWRE logo

Guidewire Software Inc (GWRE)

Upturn stock rating
$254.23
Last Close (24-hour delay)
Profit since last BUY0%
upturn advisory
Strong Buy
BUY since 1 day
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Upturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

10/21/2025: GWRE (3-star) is a STRONG-BUY. BUY since 1 days. Simulated Profits (0.00%). Updated daily EoD!

Upturn Star Rating

rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

16 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $268.38

1 Year Target Price $268.38

Analysts Price Target For last 52 week
$268.38 Target price
52w Low $165.08
Current$254.23
52w High $272.6

Analysis of Past Performance

Type Stock
Historic Profit 60.69%
Avg. Invested days 59
Today’s Advisory Strong Buy
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulation Last Close 10/21/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 21.47B USD
Price to earnings Ratio 302.35
1Y Target Price 268.38
Price to earnings Ratio 302.35
1Y Target Price 268.38
Volume (30-day avg) 16
Beta 1.21
52 Weeks Range 165.08 - 272.60
Updated Date 10/21/2025
52 Weeks Range 165.08 - 272.60
Updated Date 10/21/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.84

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 5.81%
Operating Margin (TTM) 8.3%

Management Effectiveness

Return on Assets (TTM) 1.04%
Return on Equity (TTM) 4.99%

Valuation

Trailing PE 302.35
Forward PE 78.74
Enterprise Value 19093658823
Price to Sales(TTM) 17.85
Enterprise Value 19093658823
Price to Sales(TTM) 17.85
Enterprise Value to Revenue 15.88
Enterprise Value to EBITDA 221.08
Shares Outstanding 84530578
Shares Floating 79743611
Shares Outstanding 84530578
Shares Floating 79743611
Percent Insiders 0.41
Percent Institutions 102.11

ai summary icon Upturn AI SWOT

Guidewire Software Inc

stock logo

Company Overview

overview logo History and Background

Guidewire Software was founded in 2001. It provides software products to the property and casualty insurance industry. It has grown through internal development and acquisitions, becoming a leading vendor in its niche.

business area logo Core Business Areas

  • InsurancePlatform: This platform includes PolicyCenter (policy administration), ClaimCenter (claims management), and BillingCenter (billing management). These are its core products, designed for insurers to manage their operations.
  • Guidewire Cloud: A cloud-based offering providing a comprehensive suite of services for P&C insurers. Includes InsurancePlatform, digital portals, and advanced analytics.
  • Analytics and Data Services: Offers data and analytics solutions to help insurers improve decision-making and performance through better insights

leadership logo Leadership and Structure

The company is led by its CEO and a board of directors. It has a typical hierarchical structure with departments for product development, sales, marketing, and customer support.

Top Products and Market Share

overview logo Key Offerings

  • PolicyCenter: Policy administration system for managing the policy lifecycle. Competitors include Duck Creek Technologies (DCT) and Sapiens International Corporation (SPNS). Market share information is not readily available, but Guidewire is considered a market leader. Revenues for specific products are not publicly disclosed.
  • ClaimCenter: Claims management system for handling insurance claims. Competitors include Duck Creek Technologies (DCT) and Sapiens International Corporation (SPNS). Market share information is not readily available, but Guidewire is considered a market leader. Revenues for specific products are not publicly disclosed.
  • BillingCenter: Billing and payments system for insurance companies. Competitors include Duck Creek Technologies (DCT) and Sapiens International Corporation (SPNS). Market share information is not readily available, but Guidewire is considered a market leader. Revenues for specific products are not publicly disclosed.

Market Dynamics

industry overview logo Industry Overview

The property and casualty insurance industry is undergoing digital transformation, with increasing demand for cloud-based solutions and advanced analytics. Insurers need to modernize their systems to improve efficiency and customer experience.

Positioning

Guidewire is positioned as a leading provider of core systems for P&C insurers. Its competitive advantages include its comprehensive product suite, deep industry expertise, and a strong customer base.

Total Addressable Market (TAM)

The estimated TAM for P&C insurance software is multi-billion USD, with estimates ranging from $8 billion to $10 billion annually. Guidewire is positioned to capture a significant share of this market, particularly with its cloud offerings.

Upturn SWOT Analysis

Strengths

  • Comprehensive product suite
  • Strong industry expertise
  • Large customer base
  • Cloud-based offerings
  • Established brand reputation

Weaknesses

  • High implementation costs
  • Complex system integration
  • Historically slower adoption of cloud
  • Reliance on large deals

Opportunities

  • Increasing demand for cloud solutions
  • Growing need for data analytics
  • Expanding into new geographies
  • Acquiring complementary technologies
  • Partnerships with other technology vendors

Threats

  • Competition from other vendors (DCT, SPNS)
  • Economic downturn affecting IT spending
  • Cybersecurity threats
  • Regulatory changes in the insurance industry
  • Open source platforms gaining traction

Competitors and Market Share

competitor logo Key Competitors

  • DCT
  • SPNS

Competitive Landscape

Guidewire has advantages in its comprehensiveness and industry focus, while competitors may offer more niche solutions or different pricing models. Success depends on ongoing innovation and effective customer engagement.

Major Acquisitions

Cyence

  • Year: 2017
  • Acquisition Price (USD millions): 275
  • Strategic Rationale: To enhance Guidewire's data and analytics capabilities and provide insurers with better risk assessment tools.

Growth Trajectory and Initiatives

Historical Growth: Guidewire has experienced growth primarily through product innovation and market expansion, with an acceleration in recent years due to increased adoption of its cloud platform.

Future Projections: Future growth is projected based on continued adoption of Guidewire Cloud, expansion into new markets, and development of new products and services. Analyst estimates indicate continued revenue growth.

Recent Initiatives: Key initiatives include expanding cloud offerings, strategic partnerships, and focusing on customer success to drive retention and expansion within existing accounts.

Summary

Guidewire is a strong player in the P&C insurance software market, with a comprehensive platform and established customer base. Its transition to cloud-based offerings is crucial for future growth. Competition and implementation costs pose ongoing challenges, but its industry expertise and strategic initiatives position it well for continued success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Analyst estimates
  • Press releases

Disclaimers:

This analysis is for informational purposes only and does not constitute investment advice. Financial data is based on publicly available information and may not be completely accurate or up-to-date.

Upturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Guidewire Software Inc

Exchange NYSE
Headquaters San Mateo, CA, United States
IPO Launch date 2012-01-25
CEO & Director Mr. Michael George Rosenbaum
Sector Technology
Industry Software - Application
Full time employees 3772
Full time employees 3772

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers . The company was incorporated in 2001 and is headquartered in San Mateo, California.