Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Guidewire SoftwareFRA:0GS -8.63%78 Cash Ratio is 1.51 as of Apr. 2026, which is 57% below its 10-year median of 3.48. GuruFocus rates FRA:0GS with a GF Score™ of 78/100 and a GF Value™ of €179.66 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,819 Software companies, Guidewire Software ranks better than 70.27% on this metric.
Guidewire Software has a Cash Ratio of 1.51. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for Guidewire Software's Cash Ratio or its related term are showing as below:
FRA:0GS'
s Cash Ratio Range Over the Past 10 Years
Min: 1.11 Med: 3.48 Max: 7.27
Current: 1.51
During the past 13 years, Guidewire Software's highest Cash Ratio was 7.27. The lowest was 1.11. And the median was 3.48.
FRA:0GS's Cash Ratio is ranked better than 70.27% of 2819
companies
in the Software industry
Industry Median: 0.78
vs FRA:0GS: 1.51
Guidewire Software (FRA:0GS) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Guidewire Software Cash Ratio Related Terms
Guidewire Software Cash Ratio Historical Data
* Premium members only.
The historical data trend for Guidewire Software's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Application subindustry, Guidewire Software's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Guidewire Software Cash Ratio vs Software Industry
For the Software industry and Technology sector, Guidewire Software's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Guidewire Software's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Guidewire Software (FRA:0GS) has a Cash Ratio of 1.51 as of Apr. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Guidewire Software and its competitors. This is 57% below median its historical median of 3.48. Over the past decade, Guidewire Software's Cash Ratio has ranged from 1.11 to 7.27. According to the industry distribution chart, Guidewire Software ranks #838 out of 2819 companies in the Software industry, placing it in the top 29.7%.
Is Guidewire Software's Cash Ratio too high?
Guidewire Software's current Cash Ratio of 1.51 is 57% below median its 10-year median of 3.48. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 7.27. The Software industry median Cash Ratio is 0.78. Guidewire Software's value of 1.51 is 93.6% above this industry median. Based on the distribution chart, Guidewire Software ranks #838 out of 2819 companies in the Software industry, which is above the industry midpoint. Overall, Guidewire Software has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guidewire Software's Cash Ratio compare to FIG and DT?
According to the Software industry distribution chart, Guidewire Software ranks #838 out of 2819 companies for Cash Ratio. This puts Guidewire Software in the upper half of its industry. The industry median Cash Ratio is 0.78. Guidewire Software's value of 1.51 is 93.6% above this benchmark. Historically, Guidewire Software's own Cash Ratio has ranged from 1.11 to 7.27 over the past decade. While the company's 10-year median is 3.48 vs. the industry median of 0.78, Guidewire Software has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Software company?
The median Cash Ratio among Software companies is 0.78, based on 2,819 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guidewire Software's current Cash Ratio of 1.51 is 93.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Guidewire Software and its competitors. For the Software industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guidewire Software's current Cash Ratio is 1.51, which is 57% below median its own 10-year median of 3.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guidewire Software stock overvalued right now?
Based on GuruFocus' analysis, Guidewire Software (FRA:0GS) is currently considered Modestly Undervalued. The stock's GF Value™ is €179.66, compared to a current price of €133.35 — trading 25.8% below its estimated fair value. The current Cash Ratio is 1.51, which is 57% below median its 10-year median of 3.48 and 93.6% above the Software industry median of 0.78. Guidewire Software's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Guidewire Software (FRA:0GS), the current Cash Ratio is 1.51 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Guidewire Software (FRA:0GS) Overvalued in 2026?
Based on GuruFocus' analysis, Guidewire Software stock appears to be undervalued.
The current stock price of €133.35 is trading 25.8% below its estimated GF Value™ of €179.66.
GuruFocus considers Guidewire Software to be Modestly Undervalued.
Key valuation signals for FRA:0GS:
Cash Ratio: 1.51 (57% below median its 10-year median of 3.48)
GF Value™: €179.66 vs. price of €133.35 (25.8% below fair value)
Industry Position: 93.6% above the Software median (#838 of 2819)
No single metric tells the full story. See the FRA:0GS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guidewire Software provides cloud-based software solutions for property and casualty insurers. The flagship product, InsuranceSuite is a system of record and comprises ClaimCenter, a claims management system; PolicyCenter, a policy management system including policy definitions, quotas, issuance, maintenance, and renewal; and BillingCenter, for billing management, payment plans, and agent commissions. The company also offers InsuranceNow, a midmarket offering, as well as a variety of other add-on applications and services.
78GF Score
Get the complete analysis for FRA:0GS
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:0GS has been successfully added to your 
