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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 : 9/10

vs
industry
vs
history
Cash to Debt No Debt
GWRE's Cash to Debt is ranked higher than
92% of the 2073 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.15 vs. GWRE: No Debt )
GWRE' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.86
GWRE's Equity to Asset is ranked higher than
94% of the 2005 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.60 vs. GWRE: 0.86 )
GWRE' s 10-Year Equity to Asset Range
Min: -0.82   Max: 0.86
Current: 0.86

-0.82
0.86
Interest Coverage No Debt
GWRE's Interest Coverage is ranked higher than
76% of the 1365 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 985.82 vs. GWRE: No Debt )
GWRE' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 7
Z-Score: 21.16
M-Score: -2.54
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 (%) 5.26
GWRE's Operating margin (%) is ranked higher than
70% of the 2055 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.43 vs. GWRE: 5.26 )
GWRE' s 10-Year Operating margin (%) Range
Min: -12.36   Max: 12.45
Current: 5.26

-12.36
12.45
Net-margin (%) 4.20
GWRE's Net-margin (%) is ranked higher than
71% of the 2055 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.74 vs. GWRE: 4.20 )
GWRE' s 10-Year Net-margin (%) Range
Min: -12.94   Max: 20.62
Current: 4.2

-12.94
20.62
ROE (%) 2.67
GWRE's ROE (%) is ranked higher than
62% of the 1999 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.10 vs. GWRE: 2.67 )
GWRE' s 10-Year ROE (%) Range
Min: 3.35   Max: 15.04
Current: 2.67

3.35
15.04
ROA (%) 2.29
GWRE's ROA (%) is ranked higher than
65% of the 2078 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.78 vs. GWRE: 2.29 )
GWRE' s 10-Year ROA (%) Range
Min: 2.75   Max: 38.11
Current: 2.29

2.75
38.11
ROC (Joel Greenblatt) (%) 146.06
GWRE's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 2065 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 29.04 vs. GWRE: 146.06 )
GWRE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 135.64   Max: 1303.47
Current: 146.06

135.64
1303.47
Revenue Growth (%) -19.50
GWRE's Revenue Growth (%) is ranked lower than
53% of the 1667 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.60 vs. GWRE: -19.50 )
GWRE' s 10-Year Revenue Growth (%) Range
Min: 0   Max: -19.5
Current: -19.5

EBITDA Growth (%) -11.00
GWRE's EBITDA Growth (%) is ranked higher than
57% of the 1357 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.30 vs. GWRE: -11.00 )
GWRE' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -11
Current: -11

EPS Growth (%) -52.80
GWRE's EPS Growth (%) is ranked lower than
53% of the 1265 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9.10 vs. GWRE: -52.80 )
GWRE' s 10-Year EPS Growth (%) Range
Min: 0   Max: -52.8
Current: -52.8

» GWRE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

GWRE Guru Trades in Q4 2013

RS Investment Management 54,300 sh (+34.41%)
Ron Baron 4,487,875 sh (+25.65%)
Frank Sands 350,095 sh (-0.23%)
Pioneer Investments 151,280 sh (-4.41%)
» More
Q1 2014

GWRE Guru Trades in Q1 2014

Ron Baron 4,707,227 sh (+4.89%)
RS Investment Management 54,300 sh (unchged)
Frank Sands 348,995 sh (-0.31%)
Pioneer Investments 147,233 sh (-2.68%)
» More
Q2 2014

GWRE Guru Trades in Q2 2014

Paul Tudor Jones 6,849 sh (New)
RS Investment Management 78,700 sh (+44.94%)
Ron Baron 5,120,823 sh (+8.79%)
Frank Sands 356,995 sh (+2.29%)
Pioneer Investments Sold Out
» More
Q3 2014

GWRE Guru Trades in Q3 2014

Joel Greenblatt 20,883 sh (New)
Frank Sands 509,820 sh (+42.81%)
Paul Tudor Jones Sold Out
Ron Baron 5,090,775 sh (-0.59%)
RS Investment Management 65,500 sh (-16.77%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Frank Sands 2014-09-30 Add 42.81%0.02%$37.09 - $46.75 $ 51.1321%509820
Joel Greenblatt 2014-09-30 New Buy0.01%$37.09 - $46.75 $ 51.1321%20883
Ron Baron 2013-12-31 Add 25.65%0.19%$43.83 - $51.01 $ 51.138%4487875
Frank Sands 2013-06-30 Add 97.87%0.02%$35.51 - $43.56 $ 51.1328%303535
Frank Sands 2013-03-31 New Buy0.02%$29.72 - $38.75 $ 51.1350%153400
Ron Baron 2012-09-30 Add 179.73%0.32%$23.66 - $32.25 $ 51.1386%2544426
Ron Baron 2012-06-30 New Buy0.16%$22.65 - $30.65 $ 51.1390%909589
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 409.00
GWRE's P/E(ttm) is ranked higher than
64% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 54.30 vs. GWRE: 409.00 )
GWRE' s 10-Year P/E(ttm) Range
Min: 24.49   Max: 495.82
Current: 409

24.49
495.82
P/B 5.43
GWRE's P/B is ranked higher than
60% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.33 vs. GWRE: 5.43 )
GWRE' s 10-Year P/B Range
Min: 3.76   Max: 12.32
Current: 5.43

3.76
12.32
P/S 10.21
GWRE's P/S is ranked higher than
51% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.68 vs. GWRE: 10.21 )
GWRE' s 10-Year P/S Range
Min: 1.86   Max: 10.57
Current: 10.21

1.86
10.57
PFCF 58.77
GWRE's PFCF is ranked higher than
77% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. GWRE: 58.77 )
GWRE' s 10-Year PFCF Range
Min: 32.42   Max: 155.57
Current: 58.77

32.42
155.57
EV-to-EBIT 166.97
GWRE's EV-to-EBIT is ranked higher than
63% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 34.57 vs. GWRE: 166.97 )
GWRE' s 10-Year EV-to-EBIT Range
Min: -1917.6   Max: 393.2
Current: 166.97

-1917.6
393.2
Current Ratio 5.41
GWRE's Current Ratio is ranked higher than
93% of the 2037 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.91 vs. GWRE: 5.41 )
GWRE' s 10-Year Current Ratio Range
Min: 0.79   Max: 5.41
Current: 5.41

0.79
5.41
Quick Ratio 5.41
GWRE's Quick Ratio is ranked higher than
94% of the 2037 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.78 vs. GWRE: 5.41 )
GWRE' s 10-Year Quick Ratio Range
Min: 0.79   Max: 5.41
Current: 5.41

0.79
5.41

Valuation & Return

vs
industry
vs
history
Price/Net Cash 10.45
GWRE's Price/Net Cash is ranked higher than
91% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. GWRE: 10.45 )
GWRE' s 10-Year Price/Net Cash Range
Min: 8.58   Max: 34.73
Current: 10.45

8.58
34.73
Price/Net Current Asset Value 9.41
GWRE's Price/Net Current Asset Value is ranked higher than
87% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. GWRE: 9.41 )
GWRE' s 10-Year Price/Net Current Asset Value Range
Min: 7.73   Max: 24.45
Current: 9.41

7.73
24.45
Price/Tangible Book 5.55
GWRE's Price/Tangible Book is ranked higher than
74% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 8.60 vs. GWRE: 5.55 )
GWRE' s 10-Year Price/Tangible Book Range
Min: 4.56   Max: 11.92
Current: 5.55

4.56
11.92
Price/Median PS Value 1.25
GWRE's Price/Median PS Value is ranked higher than
70% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.22 vs. GWRE: 1.25 )
GWRE' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 1.08
Current: 1.25

0.47
1.08
Price/Graham Number 7.70
GWRE's Price/Graham Number is ranked higher than
71% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. GWRE: 7.70 )
GWRE' s 10-Year Price/Graham Number Range
Min: 5.52   Max: 9.35
Current: 7.7

5.52
9.35
Earnings Yield (Greenblatt) 0.60
GWRE's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2026 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.70 vs. GWRE: 0.60 )
GWRE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 4.6
Current: 0.6

0.3
4.6

Business Description

Industry: Application Software » Software - Infrastructure
Compare: » details
Traded in other countries:0GS.Germany
Guidewire Software was incorporated in Delaware in 2001. The company is a provider of core system software to the global property and casualty, or P&C, insurance industry. Its solutions serve as the transactional systems-of-record for, and enable the key functions of, a P&C insurance carrier's business: underwriting and policy administration, claims management and billing. Since its inception, its mission has been to empower P&C insurance carriers to transform and improve their businesses by replacing their legacy core systems with innovative modern software platform. The company has developed an integrated suite of highly configurable applications that are delivered through a web-based interface and can be deployed either on-premise or in cloud environments. A key advantage of its architecture over that of legacy core systems is that its solutions enable extensive configurability of business rules, workflows and user interfaces without modification of the underlying code base, allowing customers to easily make changes in response to specific, evolving business needs. Its Guidewire InsuranceSuite includes Guidewire PolicyCenter, Guidewire ClaimCenter and Guidewire BillingCenter applications, which enable a broad range of core P&C insurance operations. The company's customers range from some of the largest global insurance carriers or their subsidiaries such as Tokio Marine & Nichido Fire Insurance Co., Ltd. and Zurich Financial Services Group Ltd. to national carriers such as Nationwide Mutual Insurance Company to regional carriers such as AAA affiliates. As of July 31, 2011, it had 101 customers. The company's total revenues are comprised of the following: License revenues: Its license software applications, PolicyCenter, ClaimCenter and BillingCenter, separately or combined as InsuranceSuite, to customers on either a multi-year renewable term basis with recurring annual billing periods or, to a limited extent, a perpetual basis when required by customers; Maintenance revenues: It offers maintenance under renewable, fee-based contracts that include unspecified software updates and upgrades released when and if available, software patches and fixes and email and phone support; and Services revenues: Services revenues are primarily comprised of revenues from implementation, reimbursable travel expenses and training services. Most of its revenue comes from Services. Guidewire, 'Guidewire Software,' 'Guidewire BillingCenter,' 'Guidewire ClaimCenter,' 'Guidewire PolicyCenter,' 'Guidewire InsuranceSuite' and 'Gosu' are registered or common law trademarks or service marks of Guidewire Software, Inc.
» More Articles for NYSE:GWRE

Headlines

Articles On GuruFocus.com
Ron Baron Comments on Guidewire Software Inc Jul 28 2014 
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comment on GWRE Mar 06 2013 
Weekly CFO Sells Highlight: USB, GNC, WWWW, GWRE, CRIS, CSL Apr 30 2012 

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