Guidewire Software
Runs policy, billing, and claims workflows for property-and-casualty insurers.
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Profile
Provides core policy, billing, and claims systems for property-and-casualty insurers through InsuranceSuite and InsuranceNow, supported by digital, data, and analytics products. Revenue is shifting toward platform and cloud subscriptions, while licenses and professional services remain part of the model.
Provides core transaction systems for property-and-casualty insurers. InsuranceSuite centers on PolicyCenter, BillingCenter, and ClaimCenter, while InsuranceNow offers an all-in-one cloud product; digital engagement, data, and analytics extend those core workflows.
Sells primarily through platform and cloud subscriptions, alongside licenses and professional services. Serves property-and-casualty insurers internationally, while a focused acquisition program has added underwriting, predictive analytics, emerging-risk, and property-data capabilities.
Combines insurer-specific product depth with customer-first operating decisions and a regular cloud release cadence. Continued cloud migration transfers application management, security, and operational responsibility from self-managed customers to the provider, while revenue retains license and services exposure.
Company facts
Categories
Key statistics
Year to date +9.8% · Average volume (30d) 1.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 27, 2026 | Guggenheim | Reiterate | Buy | $180 | $210 | |
| Aug 27, 2026 | BMO Capital | Upgrade | Outperform | |||
| Aug 10, 2026 | UBS | Target | $210 | |||
| Aug 10, 2026 | Piper Sandler | Initiate | Overweight | $210 | ||
| Jul 23, 2026 | Wolfe Research | Upgrade | Outperform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jun 4, 2026Q3 FY26 | $0.74 | $0.82 | +10.4% | $355.9M | $372.5M | +4.7% | −10.00% |
| Mar 5, 2026Q2 FY26 | $0.77 | $1.17 | +51.4% | $342.8M | $359.1M | +4.8% | +4.99% |
| Dec 3, 2025Q1 FY26 | $0.61 | $0.66 | +7.5% | $316.6M | $332.6M | +5.1% | −2.17% |
| Sep 4, 2025Q4 FY25 | $0.64 | $0.84 | +32.3% | $337.8M | $356.6M | +5.6% | +20.15% |
Financial highlights
| 12 quarters | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $289.5M | $293.5M | $356.6M | $332.6M | $359.1M | $372.5M | |
| Gross profit | $179.2M | $182.7M | $231.8M | $209.5M | $231.5M | $236.6M | |
| Operating income | $11.7M | $4.5M | $29.6M | $18.5M | $38.9M | $30.6M | |
| Net income | −$37.3M | $46.0M | $52.0M | $31.3M | $60.1M | $16.5M | |
| Diluted EPS | −$0.45 | $0.54 | $0.60 | $0.36 | $0.70 | $0.20 | |
| Gross margin | 61.9% | 62.2% | 65.0% | 63.0% | 64.5% | 63.5% | |
| Operating margin | 4.0% | 1.5% | 8.3% | 5.6% | 10.8% | 8.2% |
Fiscal years (4-quarter sums)FY21 $743.3M · FY22 $812.6M · FY23 $905.3M · FY24 $980.5M · FY25 $1.20B
Revenue by product · Q3 FY26
Revenue by geography · Q3 FY26
Balance sheet, Apr 30, 2026Cash & short-term investments $749.5M · Total debt $704.2M · Total assets $2.54B · Shareholders' equity $1.32B
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 83.26M · Float 75.05M · 90.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 8.91M | 10.70% | 13F | Aug 7, 2026 |
| Bamco Inc /NY/ | 8.01M | 9.62% | 13G | Jul 2, 2026 |
| Linonia Partners Fund LP | 7.65M | 9.00% | 13G | May 15, 2026 |
| Linonia Partnership LP | 6.93M | 8.33% | 13F | Aug 14, 2026 |
| Vanguard Portfolio Management LLC | 4.51M | 5.41% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | David Franklin Peterson | officer: Chief Accounting Officer | −2,500 | $200.00 |
| Aug 25, 2026 | John P. Mullen | officer: President | −1,800 | $188.46 |
| Aug 19, 2026 | John P. Mullen | officer: President | −30,600 | $185.00 |
| Aug 24, 2026 | Michael George Rosenbaum | director, officer: Chief Executive Officer | −1,200 | $187.82 |
| Aug 17, 2026 | Michael George Rosenbaum | director, officer: Chief Executive Officer | −1,200 | $172.88 |
Peers
- DXC Technology
Broad cloud core suite across policy, billing, and claims
- SAP (ADR)
Enterprise insurance core across policy, claims, billing, and underwriting
- Pegasystems
P&C claims, underwriting, and engagement workflow challenger
- Verisk Analytics
Insurance data and analytics overlap in underwriting and claims
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Guidewire Software | $205.85 | −0.05% | $17.14B | 110.7 | 53.6 | 12.1 | +26.9% |
| DXC Technology | $11.21 | +0.04% | $1.82B | 15.1 | 4.1 | 0.1 | −5.1% |
| SAP (ADR) | $220.80 | −0.39% | $258.15B | 28.1 | 23.9 | 5.8 | +5.8% |
| Pegasystems | $35.00 | −3.26% | $5.95B | 20.4 | 14.0 | 3.4 | +9.4% |
| Verisk Analytics | $191.77 | 0.00% | $24.96B | 29.5 | 23.5 | 8.0 | +4.4% |
| Median | 24.3 | 18.7 | 4.6 | +5.1% |