GWRE (Guidewire Software) Cash-to-Debt : 1.30 (As of Apr. 2025)

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What is Guidewire Software Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Guidewire Software's cash to debt ratio for the quarter that ended in Apr. 2025 was 1.30.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Guidewire Software could pay off its debt using the cash in hand for the quarter that ended in Apr. 2025.

The historical rank and industry rank for Guidewire Software's Cash-to-Debt or its related term are showing as below:

GWRE' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.3 Med: 2.43 Max: No Debt
Current: 1.3

During the past 13 years, Guidewire Software's highest Cash to Debt Ratio was No Debt. The lowest was 1.30. And the median was 2.43.

GWRE's Cash-to-Debt is ranked worse than
61.21% of 2800 companies
in the Software industry
Industry Median: 2.72 vs GWRE: 1.30

Guidewire Software Cash-to-Debt Historical Data

The historical data trend for Guidewire Software's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Guidewire Software Cash-to-Debt Chart

Guidewire Software Annual Data

Trend

Jul15

Jul16

Jul17

Jul18

Jul19

Jul20

Jul21

Jul22

Jul23

Jul24

Cash-to-Debt

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2.46

2.38

2.05

1.78

2.27

Guidewire Software Quarterly Data
	Jul20	Oct20	Jan21	Apr21	Jul21	Oct21	Jan22	Apr22	Jul22	Oct22	Jan23	Apr23	Jul23	Oct23	Jan24	Apr24	Jul24	Oct24	Jan25	Apr25
Cash-to-Debt	Get a 7-Day Free Trial															1.80	2.27	1.36	1.32	1.30

Competitive Comparison of Guidewire Software's Cash-to-Debt

For the Software - Application subindustry, Guidewire Software's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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's Cash-to-Debt Distribution in the Software Industry

For the Software industry and Technology sector, Guidewire Software's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Guidewire Software's Cash-to-Debt falls into.

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Guidewire Software Cash-to-Debt Calculation

This is the ratio of a company's Cash, Cash Equivalents, Marketable Securities to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Guidewire Software's Cash to Debt Ratio for the fiscal year that ended in Jul. 2024 is calculated as:

Cash to Debt Ratio	=	Cash, Cash Equivalents, Marketable Securities	/	Total Debt
	=	Cash, Cash Equivalents, Marketable Securities	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	1003.568	/	(408.198	+	34.721)
	=	2.27

Guidewire Software's Cash to Debt Ratio for the quarter that ended in Apr. 2025 is calculated as:

Cash to Debt Ratio	=	Cash, Cash Equivalents, Marketable Securities	/	Total Debt
	=	Cash, Cash Equivalents, Marketable Securities	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	920.437	/	(0	+	706.709)
	=	1.30

Guidewire Software (NYSE:GWRE) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Guidewire Software Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Guidewire Software's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Guidewire Software Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » Guidewire Software Inc (NYSE:GWRE) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

GWRE:Mexico 0J1G:UK 0GS:Germany

Address

970 Park Pl., Suite 200, San Mateo, CA, USA, 94403

Website

https://www.guidewire.com

Guidewire Software provides software solutions for property and casualty insurers. Flagship product InsuranceSuite is an on-premises 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 cloud-based offering, as well as a variety of other add-on applications.

Executives

Michael George Rosenbaum	director, officer: Chief Executive Officer	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
John P Mullen	officer: President & CRO	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
David S Bauer	director	C/O GUIDEWIRE SOFTWARE, INC., 2850 S DELAWARE STREET, S-400, SAN MATEO CA 94403
Jeffrey Elliott Cooper	officer: Interim CFO	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
James Winston King	officer: Chief Admin Officer, Gen Couns	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
Michael C Keller	director	C/O GUIDEWIRE SOFTWARE, INC., 2850 S. DELAWARE ST. STE 400, SAN MATEO CA 94403
Priscilla Hung	officer: PRESIDENT & COO	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
Brown Andrew William Fraser	director	C/O GUIDEWIRE SOFTWARE, INC., 970 PARK PL, SUITE 200, SAN MATEO CA 94403
Marcus Ryu	director	2850 S DELAWARE STREET, SUITE 400, SAN MATEO CA 94403
Michael Polelle	officer: Chief Delivery Officer	2850 S DELAWARE STREET, SUITE 400, SAN MATEO CA 94403
Rajani Ramanathan	director	C/O GUIDEWIRE SOFTWARE, INC., 2850 S DELAWARE STREET, S-400, SAN MATEO CA 94403
Odowd Frank E Jr	officer: Chief Sales Officer	GUIDEWIRE SOFTWARE, INC., 2850 S. DELAWARE ST. STE 400, SAN MATEO CA 94403
Paul Lavin	director	C/O GUIDEWIRE SOFTWARE, INC., 2850 S. DELAWARE STREET, SUITE 400, SAN MATEO CA 94403
Steven P. Sherry	officer: Chief Sales Officer	GUIDEWIRE SOFTWARE, INC., 2850 S. DELAWARE STREET, SUITE 400, SAN MATEO CA 94403
Margaret Dillon	director	C/O GUIDEWIRE SOFTWARE, INC., 2850 DELAWARE ST. STE 400, SAN MATEO CA 94403