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Upturn AI SWOT - About
GWRE 
Guidewire Software Inc (GWRE)
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Upturn Advisory Summary
08/28/2025: GWRE (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $249.79
1 Year Target Price $249.79
| 6 | Strong Buy |
| 6 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 78.93% | Avg. Invested days 80 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.41B USD | Price to earnings Ratio 520.74 | 1Y Target Price 249.79 |
Price to earnings Ratio 520.74 | 1Y Target Price 249.79 | ||
Volume (30-day avg) 16 | Beta 1.16 | 52 Weeks Range 142.94 - 263.20 | Updated Date 08/29/2025 |
52 Weeks Range 142.94 - 263.20 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.42 |
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 2025-09-04 | When After Market | Estimate 0.63 | Actual - |
Profitability
Profit Margin 3.04% | Operating Margin (TTM) 1.52% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 2.61% |
Valuation
Trailing PE 520.74 | Forward PE 79.37 | Enterprise Value 18007802161 | Price to Sales(TTM) 16.19 |
Enterprise Value 18007802161 | Price to Sales(TTM) 16.19 | ||
Enterprise Value to Revenue 15.83 | Enterprise Value to EBITDA 289.49 | Shares Outstanding 84195200 | Shares Floating 83686684 |
Shares Outstanding 84195200 | Shares Floating 83686684 | ||
Percent Insiders 0.34 | Percent Institutions 101.37 |
Upturn AI SWOT
Guidewire Software Inc
Company Overview
History and Background
Guidewire Software Inc. was founded in 2001. It provides software to property and casualty (P&C) insurers. It has grown through organic development and acquisitions to become a leading provider in its niche.
Core Business Areas
- Platform: Offers a cloud-based platform enabling insurers to manage core operations, including policy administration, claims management, and billing. This is the central nervous system for insurers.
- Products: Provides a suite of modules like PolicyCenter, ClaimCenter, BillingCenter, and others for specific insurance functions. These are the application building blocks leveraging the Platform.
- Cloud: Delivers its software and services via a cloud-based deployment model, offering scalability, security, and reduced IT burden for insurers. A strategic service offering allowing customer to quickly scale.
Leadership and Structure
Guidewire Software Inc. is led by a CEO and has a functional organizational structure, including departments for engineering, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- BillingCenter: A billing management system that helps insurers manage billing and payments. Similar to the other products, Guidewire is a leading player. Competitors include Duck Creek Technologies, Majesco.
- ClaimCenter: A claims management system that helps insurers process and manage claims efficiently. Market share is substantial. Competitors include Duck Creek Technologies, Majesco and FileHandler Enterprise.
- PolicyCenter: A policy administration system that helps insurers manage the entire policy lifecycle. Market share data is difficult to pinpoint precisely, but Guidewire is a leading vendor in this segment. Competitors include Duck Creek Technologies and Majesco.
Market Dynamics
Industry Overview
The insurance software industry is undergoing digital transformation, driven by the need for efficiency, customer experience, and data analytics. Cloud adoption is increasing.
Positioning
Guidewire is positioned as a leading provider of P&C insurance software, offering a comprehensive platform and deep industry expertise. Its competitive advantage lies in its focus on the P&C industry and its proven track record.
Total Addressable Market (TAM)
The global property and casualty (P&C) insurance software market is estimated to be in the tens of billions of dollars. Guidewire is well-positioned to capture a significant portion of this TAM due to its comprehensive platform and established market presence.
Upturn SWOT Analysis
Strengths
- Leading market position in P&C insurance software
- Comprehensive product suite
- Deep industry expertise
- Strong customer base
- Cloud-based platform
Weaknesses
- Relatively high cost compared to some competitors
- Complex implementation process for some clients
- Reliance on the P&C insurance market
- Potential for disruption by newer, more agile vendors
Opportunities
- Expanding into new geographies
- Developing new products and services
- Leveraging data analytics and AI
- Acquiring complementary technologies
- Penetrating the mid-market segment
Threats
- Increased competition from established and emerging vendors
- Economic downturn affecting insurance spending
- Cybersecurity threats
- Regulatory changes
- Shift in technology preferences of insurers
Competitors and Market Share
Key Competitors
- DUCK
- MSFT
- ORCL
Competitive Landscape
Guidewire benefits from being an independent vendor focused primarily on the P&C market. However, MSFT and ORCL are larger companies with strong customer base but less specialized solutions.
Major Acquisitions
Cyence
- Year: 2017
- Acquisition Price (USD millions): 275
- Strategic Rationale: Expanded Guidewire's data and analytics capabilities, particularly in cyber risk modeling.
Growth Trajectory and Initiatives
Historical Growth: Guidewire has demonstrated consistent revenue growth over the past years, driven by its expanding customer base and increasing adoption of its cloud-based platform.
Future Projections: Analyst estimates project continued growth for Guidewire, driven by the ongoing digital transformation of the insurance industry. Review recent earning reports for projections.
Recent Initiatives: Recent strategic initiatives include expanding its cloud offerings, investing in data analytics and AI, and acquiring complementary technologies.
Summary
Guidewire is a strong player in the P&C insurance software market, benefiting from its comprehensive platform, deep industry expertise, and established customer base. However, it faces increasing competition and must continue to innovate to maintain its market leadership. The company needs to watch out for its cost against smaller nimble competitors. While the trend of cloud adoption continues, Guidewire is poised for sustained growth in the coming years.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available sources. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 3596 | Website https://www.guidewire.com |
Full time employees 3596 | Website https://www.guidewire.com | ||
Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. The company offers Guidewire InsuranceSuite Cloud, such as PolicyCenter Cloud, BillingCenter Cloud, and ClaimCenter Cloud applications. It also provides Guidewire InsuranceNow, a cloud-based application that offers policy, billing, and claims management functionality plus pre-integrated document production, analytics, and other capabilities; and Guidewire InsuranceSuite for Self-Managed. The company 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; Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; and Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers. It also 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, 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.
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