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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 : 7/10

vs
industry
vs
history
Cash-to-Debt 3.43
GWRE's Cash-to-Debt is ranked lower than
53% of the 2180 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.23 vs. GWRE: 3.43 )
Ranked among companies with meaningful Cash-to-Debt only.
GWRE' s Cash-to-Debt Range Over the Past 10 Years
Min: 3.29  Med: No Debt Max: No Debt
Current: 3.43
3.29
No Debt
Equity-to-Asset 0.75
GWRE's Equity-to-Asset is ranked higher than
75% of the 2115 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.60 vs. GWRE: 0.75 )
Ranked among companies with meaningful Equity-to-Asset only.
GWRE' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.42  Med: 0.83 Max: 0.89
Current: 0.75
-0.42
0.89
Debt-to-Equity 0.21
GWRE's Debt-to-Equity is ranked higher than
56% of the 1267 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.27 vs. GWRE: 0.21 )
Ranked among companies with meaningful Debt-to-Equity only.
GWRE' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21  Med: 0.21 Max: 0.23
Current: 0.21
0.21
0.23
Debt-to-EBITDA 3.74
GWRE's Debt-to-EBITDA is ranked lower than
79% of the 1112 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.26 vs. GWRE: 3.74 )
Ranked among companies with meaningful Debt-to-EBITDA only.
GWRE' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.74  Med: 7.25 Max: 7.25
Current: 3.74
3.74
7.25
Interest Coverage 1.44
GWRE's Interest Coverage is ranked lower than
91% of the 1702 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 46.64 vs. GWRE: 1.44 )
Ranked among companies with meaningful Interest Coverage only.
GWRE' s Interest Coverage Range Over the Past 10 Years
Min: 1.44  Med: No Debt Max: No Debt
Current: 1.44
1.44
No Debt
Piotroski F-Score: 5
Altman Z-Score: 10.31
Beneish M-Score: -2.74
WACC vs ROIC
-35.82%
4.48%
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 : 7/10

vs
industry
vs
history
Operating Margin % 2.92
GWRE's Operating Margin % is ranked lower than
55% of the 2144 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.91 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: 5.22 Max: 12.47
Current: 2.92
-12.36
12.47
Net Margin % 5.56
GWRE's Net Margin % is ranked lower than
65% of the 2144 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.58 vs. GWRE: 5.56 )
Ranked among companies with meaningful Net Margin % only.
GWRE' s Net Margin % Range Over the Past 10 Years
Min: -12.94  Med: 4.17 Max: 20.62
Current: 5.56
-12.94
20.62
ROE % 3.00
GWRE's ROE % is ranked lower than
66% of the 2062 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.36 vs. GWRE: 3.00 )
Ranked among companies with meaningful ROE % only.
GWRE' s ROE % Range Over the Past 10 Years
Min: -1.7  Med: 2.53 Max: 18.47
Current: 3
-1.7
18.47
ROA % 2.26
GWRE's ROA % is ranked lower than
63% of the 2199 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.95 vs. GWRE: 2.26 )
Ranked among companies with meaningful ROA % only.
GWRE' s ROA % Range Over the Past 10 Years
Min: -20.03  Med: 2.45 Max: 38.11
Current: 2.26
-20.03
38.11
ROC (Joel Greenblatt) % 223.18
GWRE's ROC (Joel Greenblatt) % is ranked higher than
86% of the 2165 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.63 vs. GWRE: 223.18 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
GWRE' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -551.45  Med: 202.48 Max: 772.64
Current: 223.18
-551.45
772.64
3-Year Revenue Growth Rate 17.40
GWRE's 3-Year Revenue Growth Rate is ranked higher than
76% of the 1829 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.30 vs. GWRE: 17.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GWRE' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.8  Med: 11 Max: 45
Current: 17.4
-1.8
45
3-Year EBITDA Growth Rate 17.70
GWRE's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1588 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9.10 vs. GWRE: 17.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
GWRE' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4 Max: 23.8
Current: 17.7
0
23.8
GuruFocus has detected 2 Warning Signs with Guidewire Software Inc GWRE.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» GWRE's 30-Y Financials

Financials (Next Earnings Date: 2019-06-05)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2018

GWRE Guru Trades in Q1 2018

Wallace Weitz 72,000 sh (+10.77%)
Ron Baron 6,426,048 sh (+3.05%)
Chuck Royce 18,808 sh (-8.73%)
Jim Simons 24,631 sh (-86.82%)
Frank Sands 129,970 sh (-0.61%)
» More
Q2 2018

GWRE Guru Trades in Q2 2018

Lee Ainslie 24,730 sh (New)
Ron Baron 6,488,205 sh (+0.97%)
Frank Sands 152,445 sh (+17.29%)
Chuck Royce 18,808 sh (unchged)
Jim Simons Sold Out
Wallace Weitz 70,000 sh (-2.78%)
» More
Q3 2018

GWRE Guru Trades in Q3 2018

Jim Simons 466,400 sh (New)
Joel Greenblatt 2,730 sh (New)
Paul Tudor Jones 10,644 sh (New)
Ron Baron 6,528,904 sh (+0.63%)
Chuck Royce 18,808 sh (unchged)
Wallace Weitz 70,000 sh (unchged)
Lee Ainslie Sold Out
Frank Sands 151,645 sh (-0.52%)
» More
Q4 2018

GWRE Guru Trades in Q4 2018

Wallace Weitz 110,000 sh (+57.14%)
Ron Baron 6,626,666 sh (+1.50%)
Joel Greenblatt 19,327 sh (+607.95%)
Frank Sands 151,645 sh (unchged)
Chuck Royce Sold Out
Paul Tudor Jones Sold Out
Jim Simons 423,300 sh (-9.24%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Application Software » Software - Infrastructure    NAICS: 511210    SIC: 7372
Compare:NAS:ULTI, BOM:532466, NAS:NTNX, NYSE:FICO, NYSE:DST, XSWX:TEMN, TSE:4768, SZSE:002410, NAS:OKTA, NYSE:BSTI, NAS:TWOU, ASX:XRO, NAS:DOX, NAS:JCOM, NYSE:NEWR, NAS:FFIV, NYSE:PAGS, NAS:SSNC, NYSE:COTV, NYSE:BOX » details
Traded in other countries:0GS.Germany,
Headquarter Location:USA
Guidewire Software Inc is a provider of software products for property and casualty insurers. It provides Internet-based software platforms for core insurance operations, including underwriting and policy administration, claims management and billing.

Founded in 2001, Guidewire Software is a full-feature application software company that creates solutions for property and casualty insurers. These applications are designed to manage the entire life cycle of property and casualty insurance policies, including claims, billing, and policy underwriting management. The firm also offers data management, analytics, and visualization tools as add-ons to its core application suite.

Guru Investment Theses on Guidewire Software Inc

Baron Funds Comments on Guidewire Software Inc. - Jun 07, 2017

Guidewire Software, Inc. (NYSE:GWRE), the leading provider of technology solutions to the P&C insurance industry, is benefiting from a replacement cycle of 30-year-old legacy systems. Through innovation and targeted acquisitions, Guidewire has more than tripled its addressable market since becoming a public company. We believe the company has the potential to increase its EBITDA 10-fold over our investment horizon.



From the Baron Focused Fund first quarter 2017 shareholder letter.



Check out Ron Baron latest stock trades

Baron Opportunity Fund Comments on Guidewire Software - Apr 20, 2017

Shares of P&C insurance software vendor Guidewire Software, Inc. (NYSE:GWRE) were up in the first quarter. Guidewire is the leading P&C core systems vendor, as evidenced by near-perfect retention rates, growing installed base, and accelerating adoption. The company is early in its core system replacement cycle, and has tripled its addressable market through new products and cloud delivery. We believe that Accenture’s new relationship with Guidewire will help to enhance pricing and win rates and shorten sales cycles. (Neal Rosenberg)



From the Baron Opportunity Fund first quarter 2017 shareholder letter.



Check out Ron Baron latest stock trades

Ratios

vs
industry
vs
history
PE Ratio 180.06
GWRE's PE Ratio is ranked lower than
99.99% of the 1475 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.79 vs. GWRE: 180.06 )
Ranked among companies with meaningful PE Ratio only.
GWRE' s PE Ratio Range Over the Past 10 Years
Min: 22.01  Med: 202.45 Max: 542.82
Current: 180.06
22.01
542.82
Forward PE Ratio 78.13
GWRE's Forward PE Ratio is ranked lower than
84% of the 456 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 26.18 vs. GWRE: 78.13 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 180.06
GWRE's PE Ratio without NRI is ranked lower than
99.99% of the 1414 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.46 vs. GWRE: 180.06 )
Ranked among companies with meaningful PE Ratio without NRI only.
GWRE' s PE Ratio without NRI Range Over the Past 10 Years
Min: 21.48  Med: 202.45 Max: 542.82
Current: 180.06
21.48
542.82
Price-to-Owner-Earnings 1871.17
GWRE's Price-to-Owner-Earnings is ranked lower than
94% of the 826 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 25.26 vs. GWRE: 1871.17 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
GWRE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 81.58  Med: 158.31 Max: 1871.76
Current: 1871.17
81.58
1871.76
PB Ratio 5.10
GWRE's PB Ratio is ranked lower than
69% of the 2262 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.93 vs. GWRE: 5.10 )
Ranked among companies with meaningful PB Ratio only.
GWRE' s PB Ratio Range Over the Past 10 Years
Min: 3.76  Med: 5.59 Max: 12.67
Current: 5.1
3.76
12.67
PS Ratio 10.27
GWRE's PS Ratio is ranked lower than
84% of the 2268 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.86 vs. GWRE: 10.27 )
Ranked among companies with meaningful PS Ratio only.
GWRE' s PS Ratio Range Over the Past 10 Years
Min: 2.64  Med: 9.78 Max: 12.45
Current: 10.27
2.64
12.45
Price-to-Free-Cash-Flow 77.72
GWRE's Price-to-Free-Cash-Flow is ranked lower than
71% of the 924 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 28.20 vs. GWRE: 77.72 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
GWRE' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 23.68  Med: 55.65 Max: 161.33
Current: 77.72
23.68
161.33
Price-to-Operating-Cash-Flow 65.23
GWRE's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 1181 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 20.26 vs. GWRE: 65.23 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
GWRE' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 21.38  Med: 51.32 Max: 103.89
Current: 65.23
21.38
103.89
EV-to-EBIT 157.46
GWRE's EV-to-EBIT is ranked lower than
93% of the 1537 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 18.10 vs. GWRE: 157.46 )
Ranked among companies with meaningful EV-to-EBIT only.
GWRE' s EV-to-EBIT Range Over the Past 10 Years
Min: -637.5  Med: 166.3 Max: 1146.2
Current: 157.46
-637.5
1146.2
EV-to-EBITDA 84.22
GWRE's EV-to-EBITDA is ranked lower than
92% of the 1661 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 14.06 vs. GWRE: 84.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
GWRE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11  Med: 123.1 Max: 302.6
Current: 84.22
11
302.6
EV-to-Revenue 9.51
GWRE's EV-to-Revenue is ranked lower than
81% of the 2327 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.52 vs. GWRE: 9.51 )
Ranked among companies with meaningful EV-to-Revenue only.
GWRE' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.4  Med: 8.5 Max: 11.3
Current: 9.51
1.4
11.3
PEG Ratio 31.09
GWRE's PEG Ratio is ranked lower than
99.99% of the 650 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.89 vs. GWRE: 31.09 )
Ranked among companies with meaningful PEG Ratio only.
GWRE' s PEG Ratio Range Over the Past 10 Years
Min: 9.05  Med: 10.19 Max: 31.09
Current: 31.09
9.05
31.09
Current Ratio 7.45
GWRE's Current Ratio is ranked higher than
94% of the 2075 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.93 vs. GWRE: 7.45 )
Ranked among companies with meaningful Current Ratio only.
GWRE' s Current Ratio Range Over the Past 10 Years
Min: 0.79  Med: 5.32 Max: 8.77
Current: 7.45
0.79
8.77
Quick Ratio 7.45
GWRE's Quick Ratio is ranked higher than
94% of the 2075 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.78 vs. GWRE: 7.45 )
Ranked among companies with meaningful Quick Ratio only.
GWRE' s Quick Ratio Range Over the Past 10 Years
Min: 0.79  Med: 5.32 Max: 8.77
Current: 7.45
0.79
8.77
Days Sales Outstanding 59.20
GWRE's Days Sales Outstanding is ranked higher than
78% of the 2082 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 66.86 vs. GWRE: 59.20 )
Ranked among companies with meaningful Days Sales Outstanding only.
GWRE' s Days Sales Outstanding Range Over the Past 10 Years
Min: 41.43  Med: 52.97 Max: 89.74
Current: 59.2
41.43
89.74
Days Payable 23.32
GWRE's Days Payable is ranked lower than
69% of the 1870 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 44.89 vs. GWRE: 23.32 )
Ranked among companies with meaningful Days Payable only.
GWRE' s Days Payable Range Over the Past 10 Years
Min: 17.23  Med: 24.01 Max: 39.67
Current: 23.32
17.23
39.67

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.30
GWRE's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 1507 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -3.30 vs. GWRE: -4.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GWRE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.2  Med: -7.6 Max: -2.8
Current: -4.3
-12.2
-2.8

Valuation & Return

vs
industry
vs
history
Price-to-Net-Cash 13.75
GWRE's Price-to-Net-Cash is ranked lower than
52% of the 805 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 11.11 vs. GWRE: 13.75 )
Ranked among companies with meaningful Price-to-Net-Cash only.
GWRE' s Price-to-Net-Cash Range Over the Past 10 Years
Min: 7.5  Med: 11.06 Max: 35.79
Current: 13.75
7.5
35.79
Price-to-Net-Current-Asset-Value 10.17
GWRE's Price-to-Net-Current-Asset-Value is ranked lower than
61% of the 1591 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.16 vs. GWRE: 10.17 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
GWRE' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 6.4  Med: 8.51 Max: 20.07
Current: 10.17
6.4
20.07
Price-to-Tangible-Book 7.08
GWRE's Price-to-Tangible-Book is ranked lower than
63% of the 2013 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.54 vs. GWRE: 7.08 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
GWRE' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 4.18  Med: 6.2 Max: 12.31
Current: 7.08
4.18
12.31
Price-to-Intrinsic-Value-Projected-FCF 3.58
GWRE's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 907 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.08 vs. GWRE: 3.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
GWRE' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 3.05  Med: 3.89 Max: 4.79
Current: 3.58
3.05
4.79
Price-to-Median-PS-Value 1.05
GWRE's Price-to-Median-PS-Value is ranked lower than
51% of the 2062 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.00 vs. GWRE: 1.05 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
GWRE' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.27  Med: 1.01 Max: 1.18
Current: 1.05
0.27
1.18
Price-to-Peter-Lynch-Fair-Value 10.86
GWRE's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 449 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.62 vs. GWRE: 10.86 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
GWRE' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 9.86  Med: 9.86 Max: 10.86
Current: 10.86
9.86
10.86
Price-to-Graham-Number 7.53
GWRE's Price-to-Graham-Number is ranked lower than
99.99% of the 1170 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.19 vs. GWRE: 7.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
GWRE' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 2.37  Med: 6.92 Max: 12.03
Current: 7.53
2.37
12.03
Earnings Yield (Greenblatt) % 0.66
GWRE's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 2413 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.07 vs. GWRE: 0.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GWRE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.2  Med: 0.6 Max: 8.1
Current: 0.66
-0.2
8.1
Forward Rate of Return (Yacktman) % 17.83
GWRE's Forward Rate of Return (Yacktman) % is ranked higher than
50% of the 939 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10.12 vs. GWRE: 17.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
GWRE' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -20.8  Med: -10.5 Max: 18.1
Current: 17.83
-20.8
18.1

More Statistics

Revenue (TTM) (Mil) $738.06
EPS (TTM) $ 0.53
Beta1.14
Volatility30.36%
52-Week Range $73.82 - 107.79
Shares Outstanding (Mil)81.41

Analyst Estimate

Jul19 Jul20 Jul21
Revenue (Mil $) 731 859 968
EBIT (Mil $) -2 45
EBITDA (Mil $) 25 65
EPS ($) -0.09 0.41 1.76
EPS without NRI ($) -0.09 0.41 1.76
EPS Growth Rate
(Future 3Y To 5Y Estimate)
20.25%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: 55
Positive ROAY
Positive CFROAY
Higher ROA yoyY
CFROA > ROAY
Lower Leverage yoyN
Higher Current Ratio yoyY
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

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