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GWRE 
Guidewire Software Inc (GWRE)
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Upturn Advisory Summary
11/05/2025: GWRE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 6 | Strong Buy |
| 6 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.19% | Avg. Invested days 61 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.72B USD | Price to earnings Ratio 271.88 | 1Y Target Price 268.38 |
Price to earnings Ratio 271.88 | 1Y Target Price 268.38 | ||
Volume (30-day avg) 16 | Beta 1.07 | 52 Weeks Range 165.08 - 272.60 | Updated Date 11/6/2025 |
52 Weeks Range 165.08 - 272.60 | Updated Date 11/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.81 |
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 271.88 | Forward PE 78.74 | Enterprise Value 19093658823 | Price to Sales(TTM) 15.57 |
Enterprise Value 19093658823 | Price to Sales(TTM) 15.57 | ||
Enterprise Value to Revenue 15.88 | Enterprise Value to EBITDA 221.08 | Shares Outstanding 85018893 | Shares Floating 83994654 |
Shares Outstanding 85018893 | Shares Floating 83994654 | ||
Percent Insiders 0.46 | Percent Institutions 100.87 |
Upturn AI SWOT
Guidewire Software Inc
Company Overview
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.
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 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
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
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
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.
Similar Stocks
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.
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 3772 | Website https://www.guidewire.com |
Full time employees 3772 | 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.
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