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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 10/10

vs
industry
vs
history
Cash to Debt No Debt
GWRE's Cash to Debt is ranked higher than
77% of the 1806 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 8.17 vs. GWRE: No Debt )
Ranked among companies with meaningful Cash to Debt only.
GWRE' s Cash to Debt Range Over the Past 10 Years
Min: N/A  Med: 10000.00 Max: No Debt
Current: No Debt

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N/A
No Debt
Equity to Asset 0.89
GWRE's Equity to Asset is ranked higher than
91% of the 1719 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.61 vs. GWRE: 0.89 )
Ranked among companies with meaningful Equity to Asset only.
GWRE' s Equity to Asset Range Over the Past 10 Years
Min: -0.42  Med: 0.72 Max: 0.89
Current: 0.89
-0.42
0.89
Interest Coverage No Debt
GWRE's Interest Coverage is ranked higher than
67% of the 1173 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 613.26 vs. GWRE: No Debt )
Ranked among companies with meaningful Interest Coverage only.
GWRE' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 6
Z-Score: 29.76
M-Score: -2.50
WACC vs ROIC
11.10%
8.52%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 2.92
GWRE's Operating margin (%) is ranked lower than
57% of the 1762 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.75 vs. GWRE: 2.92 )
Ranked among companies with meaningful Operating margin (%) only.
GWRE' s Operating margin (%) Range Over the Past 10 Years
Min: -12.36  Med: 5.26 Max: 12.45
Current: 2.92
-12.36
12.45
Net-margin (%) 2.94
GWRE's Net-margin (%) is ranked lower than
52% of the 1763 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.38 vs. GWRE: 2.94 )
Ranked among companies with meaningful Net-margin (%) only.
GWRE' s Net-margin (%) Range Over the Past 10 Years
Min: -12.94  Med: 6.55 Max: 20.62
Current: 2.94
-12.94
20.62
ROE (%) 1.67
GWRE's ROE (%) is ranked lower than
62% of the 1707 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.90 vs. GWRE: 1.67 )
Ranked among companies with meaningful ROE (%) only.
GWRE' s ROE (%) Range Over the Past 10 Years
Min: 1.48  Med: 7.76 Max: 15.04
Current: 1.67
1.48
15.04
ROA (%) 1.47
GWRE's ROA (%) is ranked lower than
57% of the 1810 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.01 vs. GWRE: 1.47 )
Ranked among companies with meaningful ROA (%) only.
GWRE' s ROA (%) Range Over the Past 10 Years
Min: 1.27  Med: 7.88 Max: 38.11
Current: 1.47
1.27
38.11
ROC (Joel Greenblatt) (%) 81.38
GWRE's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 1778 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 22.73 vs. GWRE: 81.38 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GWRE' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 133.19  Med: 214.91 Max: 1303.47
Current: 81.38
133.19
1303.47
Revenue Growth (3Y)(%) -2.00
GWRE's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1367 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.90 vs. GWRE: -2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GWRE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -9.75 Max: -2
Current: -2
EBITDA Growth (3Y)(%) -19.80
GWRE's EBITDA Growth (3Y)(%) is ranked lower than
83% of the 1109 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.90 vs. GWRE: -19.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GWRE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -9.90 Max: -11
Current: -19.8
EPS Growth (3Y)(%) -27.90
GWRE's EPS Growth (3Y)(%) is ranked lower than
83% of the 1027 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.80 vs. GWRE: -27.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GWRE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -26.30 Max: -27.9
Current: -27.9
» GWRE's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

GWRE Guru Trades in Q1 2015

Paul Tudor Jones 8,741 sh (New)
Ron Baron 5,203,778 sh (+3.64%)
Frank Sands 327,620 sh (+0.99%)
RS Investment Management 40,000 sh (unchged)
Joel Greenblatt Sold Out
» More
Q2 2015

GWRE Guru Trades in Q2 2015

Jim Simons 198,500 sh (New)
Ron Baron 5,326,432 sh (+2.36%)
Frank Sands 330,420 sh (+0.85%)
RS Investment Management 40,000 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q3 2015

GWRE Guru Trades in Q3 2015

Paul Tudor Jones 4,455 sh (New)
Jim Simons 559,330 sh (+181.78%)
RS Investment Management 40,000 sh (unchged)
Ron Baron 5,225,759 sh (-1.89%)
Frank Sands 255,835 sh (-22.57%)
» More
Q4 2015

GWRE Guru Trades in Q4 2015

Jim Simons 451,100 sh (-19.35%)
» More
» Details

Insider Trades

Latest Guru Trades with GWRE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Guru Investment Theses on Guidewire Software Inc

Baron Funds Comments on Guidewire Software - Feb 08, 2016

Shares of property and casualty insurance software vendor Guidewire Software, Inc. (NYSE:GWRE) rose in the fourth quarter. Guidewire is the gold standard of P&C core systems vendors, as evidenced by near-perfect retention rates, growing installed base, and accelerating adoption of its complete product suite. The company is in the early innings of a core system replacement cycle, and is dramatically expanding its addressable market through persistent innovation. We believe recent deals with six Tier 1 vendors represent a tipping point in demand. (Neal Rosenberg)



From the Baron Funds Opportunity Fund fourth quarter 2015 commentary.



Check out Ron Baron latest stock trades

Ron Baron Comments on Guidewire Software Inc - Jul 28, 2014

Guidewire Software, Inc. (GWRE) shares declined as investors rotated from growth into value stocks and from small cap into larger cap stocks. The impact was particularly acute in stocks that had been strong recent performers, such as Guidewire, as investors abandoned winners in search of recent underperformers. Guidewire is the gold standard of property & casualty core system vendors, as evidenced by near-perfect retention rates, growing installed base, and accelerating adoption of its complete product suite. We maintain conviction in the stock. (Neal Rosenberg)

From Ron Baron (Trades, Portfolio)’s Baron Funds Second Quarter 2014 Report.

Check out Ron Baron latest stock trades

Baron Funds Comments on Guidewire Software - Feb 20, 2014

The Fund initiated a position in Guidewire Software, Inc. (NYSE:GWRE) this quarter. Guidewire is a leading provider of core systems software to the global property and casualty (P&C) insurance industry. Guidewire's software forms the "technological backbone" of a P&C insurance customer. The company's software serves as the transactional system-of-record, which enables the insurer to perform many of its key business functions, including underwriting policies, administering policies, managing claims, and billing.



The majority of P&C insurers are using legacy "green screen" core operating systems that have been in use for more than 20 years, rely on outdated programming languages, and are difficult to change, upgrade, or integrate with modern technology infrastructure. These legacy systems require support by specialized IT staff, many of whom are now retiring, further compounding the problem. We believe that all of the P&C industry will ultimately move to new software, but less than 20% have yet to complete such an upgrade.



We believe that Guidewire has emerged as the "gold standard" in terms of P&C functionality, as evidenced by its near-perfect retention rates, growing installed client base, and accelerating adoption of its complete suite of offerings. We believe that the addressable market for Guidewire's core business is $2.5-$3.5 billion of annual r ecurring revenue, implying that Guidewire currently has just 3-5% penetration of its market. We believe that new products targeting mobile applications, portals, business intelligence, and data migration double the company's core



addressable market. If these endeavors are successful, the company will benefit from lucrative, ongoing annual license fees. In addition, Guidewire will reap the indirect benefits of a "network effect," thereby attracting other insurance customers to its platform. Finally, we see significant embedded leverage in Guidewire's operating model. As its business scales, we expect margins to move from the low-teens to the 35-40% range. This margin expansion should lead to significant free cash flow generation, which the company can use to make niche acquisitions or to return to shareholders. (Neal Rosenberg)



From Baron Funds' fourth quarter letter 2013 to shareholders.



Check out Ron Baron latest stock trades

Top Ranked Articles about Guidewire Software Inc

Baron Funds Comments on Guidewire Software Guru stock highlight
Shares of property and casualty insurance software vendor Guidewire Software, Inc. (NYSE:GWRE) rose in the fourth quarter. Guidewire is the gold standard of P&C core systems vendors, as evidenced by near-perfect retention rates, growing installed base, and accelerating adoption of its complete product suite. The company is in the early innings of a core system replacement cycle, and is dramatically expanding its addressable market through persistent innovation. We believe recent deals with six Tier 1 vendors represent a tipping point in demand. (Neal Rosenberg) Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 288.91
GWRE's P/E(ttm) is ranked lower than
97% of the 1674 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 22.90 vs. GWRE: 288.91 )
Ranked among companies with meaningful P/E(ttm) only.
GWRE' s P/E(ttm) Range Over the Past 10 Years
Min: 24.49  Med: 215.68 Max: 460.16
Current: 288.91
24.49
460.16
Forward P/E 51.28
GWRE's Forward P/E is ranked lower than
89% of the 951 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 16.56 vs. GWRE: 51.28 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 286.96
GWRE's PE(NRI) is ranked lower than
97% of the 1234 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.10 vs. GWRE: 286.96 )
Ranked among companies with meaningful PE(NRI) only.
GWRE' s PE(NRI) Range Over the Past 10 Years
Min: 9.38  Med: 202.04 Max: 456.62
Current: 286.96
9.38
456.62
P/B 4.36
GWRE's P/B is ranked lower than
74% of the 2330 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.82 vs. GWRE: 4.36 )
Ranked among companies with meaningful P/B only.
GWRE' s P/B Range Over the Past 10 Years
Min: 3.76  Med: 5.84 Max: 12.68
Current: 4.36
3.76
12.68
P/S 8.19
GWRE's P/S is ranked lower than
99.99% of the 2330 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.64 vs. GWRE: 8.19 )
Ranked among companies with meaningful P/S only.
GWRE' s P/S Range Over the Past 10 Years
Min: 1.86  Med: 9.12 Max: 11.61
Current: 8.19
1.86
11.61
PFCF 65.22
GWRE's PFCF is ranked lower than
88% of the 1249 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 21.65 vs. GWRE: 65.22 )
Ranked among companies with meaningful PFCF only.
GWRE' s PFCF Range Over the Past 10 Years
Min: 32.42  Med: 73.73 Max: 155.57
Current: 65.22
32.42
155.57
POCF 55.89
GWRE's POCF is ranked lower than
92% of the 1535 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 15.76 vs. GWRE: 55.89 )
Ranked among companies with meaningful POCF only.
GWRE' s POCF Range Over the Past 10 Years
Min: 27.43  Med: 61.66 Max: 102.91
Current: 55.89
27.43
102.91
EV-to-EBIT 228.94
GWRE's EV-to-EBIT is ranked lower than
96% of the 1756 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 18.10 vs. GWRE: 228.94 )
Ranked among companies with meaningful EV-to-EBIT only.
GWRE' s EV-to-EBIT Range Over the Past 10 Years
Min: 21.9  Med: 126.40 Max: 393.2
Current: 228.94
21.9
393.2
EV-to-EBITDA 136.98
GWRE's EV-to-EBITDA is ranked lower than
97% of the 1893 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 12.19 vs. GWRE: 136.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
GWRE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 17.8  Med: 99.20 Max: 235.9
Current: 136.98
17.8
235.9
Current Ratio 8.07
GWRE's Current Ratio is ranked higher than
92% of the 1733 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.97 vs. GWRE: 8.07 )
Ranked among companies with meaningful Current Ratio only.
GWRE' s Current Ratio Range Over the Past 10 Years
Min: 0.91  Med: 3.40 Max: 8.77
Current: 8.07
0.91
8.77
Quick Ratio 8.07
GWRE's Quick Ratio is ranked higher than
92% of the 1733 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.88 vs. GWRE: 8.07 )
Ranked among companies with meaningful Quick Ratio only.
GWRE' s Quick Ratio Range Over the Past 10 Years
Min: 0.91  Med: 3.40 Max: 8.77
Current: 8.07
0.91
8.77
Days Sales Outstanding 51.74
GWRE's Days Sales Outstanding is ranked higher than
70% of the 1430 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 70.48 vs. GWRE: 51.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
GWRE' s Days Sales Outstanding Range Over the Past 10 Years
Min: 41.43  Med: 50.82 Max: 89.74
Current: 51.74
41.43
89.74
Days Payable 14.80
GWRE's Days Payable is ranked lower than
84% of the 1290 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 44.10 vs. GWRE: 14.80 )
Ranked among companies with meaningful Days Payable only.
GWRE' s Days Payable Range Over the Past 10 Years
Min: 17.23  Med: 23.06 Max: 39.06
Current: 14.8
17.23
39.06

Valuation & Return

vs
industry
vs
history
Price/Net Cash 6.79
GWRE's Price/Net Cash is ranked higher than
60% of the 694 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9.98 vs. GWRE: 6.79 )
Ranked among companies with meaningful Price/Net Cash only.
GWRE' s Price/Net Cash Range Over the Past 10 Years
Min: 7.5  Med: 9.14 Max: 35.79
Current: 6.79
7.5
35.79
Price/Net Current Asset Value 5.75
GWRE's Price/Net Current Asset Value is ranked higher than
51% of the 1448 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.14 vs. GWRE: 5.75 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
GWRE' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 6.4  Med: 7.58 Max: 20.07
Current: 5.75
6.4
20.07
Price/Tangible Book 4.46
GWRE's Price/Tangible Book is ranked lower than
57% of the 1773 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.80 vs. GWRE: 4.46 )
Ranked among companies with meaningful Price/Tangible Book only.
GWRE' s Price/Tangible Book Range Over the Past 10 Years
Min: 4.18  Med: 5.84 Max: 12.29
Current: 4.46
4.18
12.29
Price/Median PS Value 0.91
GWRE's Price/Median PS Value is ranked higher than
57% of the 2004 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.04 vs. GWRE: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
GWRE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.21  Med: 0.97 Max: 1.25
Current: 0.91
0.21
1.25
Price/Graham Number 7.54
GWRE's Price/Graham Number is ranked lower than
90% of the 1444 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.98 vs. GWRE: 7.54 )
Ranked among companies with meaningful Price/Graham Number only.
GWRE' s Price/Graham Number Range Over the Past 10 Years
Min: 1.53  Med: 7.26 Max: 13.32
Current: 7.54
1.53
13.32
Earnings Yield (Greenblatt) (%) 0.48
GWRE's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1745 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.60 vs. GWRE: 0.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GWRE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 0.80 Max: 4.6
Current: 0.48
0.3
4.6

More Statistics

Revenue(Mil) $383
EPS $ 0.15
Beta1.23
Short Percentage of Float6.57%
52-Week Range $42.41 - 64.78
Shares Outstanding(Mil)71.49

Analyst Estimate

Jul16 Jul17 Jul18
Revenue(Mil) 414 470 536
EPS($) 0.64 0.86 1.14
EPS without NRI($) 0.64 0.86 1.14

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Application Software » Software - Infrastructure
Compare: » details
Traded in other countries:0GS.Germany,
Guidewire Software Inc is a provider of software products for Property & Casualty insurers. Its software serves as a technology platform for P&C insurance carriers. Its platform consists of three key elements: core transaction processing, data management and analytics, and digital engagement, which work together to strengthen its customers' ability to adapt and succeed. Guidewire InsuranceSuite provides transactional systems of record supporting the entire insurance lifecycle. Its data and analytics products enable insurers to manage data more effectively and gain insights into their business. Its digital engagement products support digital sales, service and claims experiences for policyholders, agents, and field employees. Its solutions are delivered through a web-based interface and can be deployed either on-premise, which a majority of customers choose, or in cloud environments. It markets and sells its products to a variety of P&C insurance carriers ranging from some of the global insurers to national carriers to regional carriers. The Company is subject to federal, state and local income taxes in the United States and in foreign jurisdictions.
» More Articles for GWRE

Headlines

Articles On GuruFocus.com
Baron Funds Comments on Guidewire Software Feb 08 2016 
Baron Opportunity Fund Fourth Quarter 2014 Commentary Mar 30 2015 
Ron Baron Comments on Guidewire Software Inc Jul 28 2014 
Baron Funds Comments on Guidewire Software Feb 20 2014 
Ron Baron Comments on Guidewire Software Inc. Jun 10 2013 
Weekly CEO Sells Highlight: Jack in the Box, Guidewire Software, Williams-Sonoma, and Ventas Mar 31 2013 
Weekly CFO Sells Highlight: USB, GNC, WWWW, GWRE, CRIS, CSL Apr 30 2012 

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