Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
GWRE 
Guidewire Software Inc (GWRE)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
01/07/2026: GWRE (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $268.14
1 Year Target Price $268.14
| 6 | Strong Buy |
| 6 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.81% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/07/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.98B USD | Price to earnings Ratio 179.03 | 1Y Target Price 268.14 |
Price to earnings Ratio 179.03 | 1Y Target Price 268.14 | ||
Volume (30-day avg) 16 | Beta 1.08 | 52 Weeks Range 165.08 - 272.60 | Updated Date 01/7/2026 |
52 Weeks Range 165.08 - 272.60 | Updated Date 01/7/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.05 |
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 7.23% | Operating Margin (TTM) 5.55% |
Management Effectiveness
Return on Assets (TTM) 1.53% | Return on Equity (TTM) 6.57% |
Valuation
Trailing PE 179.03 | Forward PE 62.89 | Enterprise Value 15501066585 | Price to Sales(TTM) 12.56 |
Enterprise Value 15501066585 | Price to Sales(TTM) 12.56 | ||
Enterprise Value to Revenue 12.18 | Enterprise Value to EBITDA 141.09 | Shares Outstanding 85019176 | Shares Floating 80199439 |
Shares Outstanding 85019176 | Shares Floating 80199439 | ||
Percent Insiders 0.44 | Percent Institutions 100.43 |
Upturn AI SWOT
Guidewire Software Inc
Company Overview
History and Background
Guidewire Software Inc. was founded in 2001 by Marcus Ryu, Scott Overman, and Eugene Lee. The company went public in 2012. Guidewire is a leading provider of cloud-based core technology solutions for the insurance industry, specifically for property and casualty (P&C) insurers. Over the years, Guidewire has evolved from providing on-premises software to offering a comprehensive suite of cloud-native products and services, focusing on digital transformation and operational efficiency for its clients.
Core Business Areas
- InsuranceSuite: Guidewire's flagship offering, InsuranceSuite, provides a comprehensive set of cloud-based applications for core insurance operations, including policy administration, billing, and claims management. This suite aims to modernize and streamline the entire insurance lifecycle.
- Data & Analytics: Guidewire offers solutions for data management, analytics, and reporting to help insurers gain deeper insights into their business, improve decision-making, and enhance customer experiences.
- Digital Solutions: This segment includes products that enable insurers to engage with customers, agents, and employees through digital channels, such as customer portals, agent portals, and mobile applications.
- Cloud Services: Guidewire provides its solutions on a cloud-native platform, offering scalability, flexibility, and continuous innovation to its customers.
Leadership and Structure
Guidewire's leadership team is comprised of experienced professionals with deep industry knowledge. The company generally operates with a functional organizational structure, with departments dedicated to product development, sales, marketing, customer success, and operations. Specific leadership roles and their biographies are typically available on the company's investor relations website.
Top Products and Market Share
Key Offerings
- Competitors: Vitech Systems,EIS Group,SAP,Oracle
- Description: A comprehensive suite of cloud-native applications for policy, billing, and claims management. It is designed to enable P&C insurers to accelerate innovation, improve operational efficiency, and enhance customer engagement. Market share within the P&C core system market is significant, with Guidewire considered a dominant player. Competitors include Vitech Systems, EIS Group, and SAP.
- Market Share: Significant, often cited as a leader in P&C core systems.
- ProductName: InsuranceSuite (Cloud)
- Competitors: Microsoft Azure,Amazon Web Services (AWS),Google Cloud Platform (GCP),IBM
- Description: Provides a unified data layer for P&C insurers to leverage data for analytics, reporting, and AI/ML initiatives. Competitors include data warehousing and business intelligence providers.
- Market Share: N/A (specific to Guidewire's integrated platform)
- ProductName: Data Platform
- Competitors: Salesforce,Microsoft Dynamics 365,Adobe Experience Cloud
- Description: Includes customer and agent portals, mobile apps, and other digital interaction tools to improve customer and agent experience. Competitors include specialized digital engagement platforms and CRM providers.
- Market Share: N/A (specific to Guidewire's integrated platform)
- ProductName: Digital Engagement Solutions
Market Dynamics
Industry Overview
The P&C insurance industry is undergoing significant digital transformation, driven by evolving customer expectations, the need for operational efficiency, and the emergence of new technologies. Insurers are looking to modernize their legacy systems, adopt cloud-based solutions, and leverage data analytics to remain competitive. The market is characterized by a strong demand for integrated, agile, and scalable technology platforms.
Positioning
Guidewire is positioned as a leading provider of cloud-native core technology solutions for the P&C insurance sector. Its strengths lie in its comprehensive suite of products, deep industry expertise, and its commitment to cloud innovation. The company's 'Cloud' strategy is a key differentiator, enabling insurers to adopt new capabilities faster and more cost-effectively.
Total Addressable Market (TAM)
The TAM for insurance software and related services is substantial, estimated to be in the tens of billions of dollars globally, with a significant portion dedicated to core system modernization and digital transformation initiatives within the P&C sector. Guidewire is well-positioned to capture a significant share of this market due to its focus and established presence.
Upturn SWOT Analysis
Strengths
- Strong market leadership in P&C core insurance systems.
- Comprehensive and integrated suite of cloud-native solutions.
- Deep domain expertise in the insurance industry.
- Loyal customer base of major P&C insurers.
- Reputation for product quality and customer support.
- Successful transition to a cloud-first strategy.
Weaknesses
- High implementation costs and lengthy implementation cycles for some solutions.
- Dependence on a limited number of large customers.
- Potential for disruption from new, agile InsurTech startups.
- Perceived complexity of some product offerings.
- Talent acquisition and retention in specialized cloud engineering.
Opportunities
- Continued digital transformation in the insurance industry.
- Expansion into new geographic markets.
- Growth in ancillary services and data analytics offerings.
- Partnerships with InsurTech companies.
- Acquisitions to expand product capabilities or market reach.
- Increased adoption of AI and machine learning within insurance operations.
Threats
- Intensifying competition from established tech giants and new InsurTech players.
- Economic downturns impacting IT spending by insurers.
- Cybersecurity risks and data breaches.
- Regulatory changes affecting the insurance industry.
- Challenges in integrating acquired technologies.
- Rapid pace of technological change requiring continuous innovation.
Competitors and Market Share
Key Competitors
Competitive Landscape
Major Acquisitions
Ocusoft
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale:
Firstbest
- Year: 2017
- Acquisition Price (USD millions):
- Strategic Rationale:
Growth Trajectory and Initiatives
Historical Growth:
Future Projections:
Recent Initiatives:
Summary
Guidewire Software Inc. is a strong player in the P&C insurance software market, with a successful transition to a cloud-first strategy. Its comprehensive suite of products and deep industry expertise are key strengths, driving consistent growth. The company needs to remain vigilant against emerging InsurTech startups and rapidly evolving technological landscapes, while also managing the inherent complexities and costs associated with its sophisticated solutions.
Similar Stocks
Sources and Disclaimers
Data Sources:
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data is approximate and may be subject to revision. Market share data is based on industry estimates and may not be precise.
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 3828 | Website https://www.guidewire.com |
Full time employees 3828 | Website https://www.guidewire.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.