Guidewire Software (FRA:0GS) Debt-to-Asset : 0.28 (As of Apr. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

FRA:0GS Guidewire Software Inc FRA:0GS
80 GF Score
Price €139.05
GF Value €179.31
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Guidewire Software Debt-to-Asset?

Guidewire Software FRA:0GS -0.25% 80 Debt-to-Asset is 0.28 as of Apr. 2026. GuruFocus rates FRA:0GS with a GF Score™ of 80/100 and a GF Value™ of €179.31 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Guidewire Software's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Apr. 2026 was €0 Mil. Guidewire Software's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Apr. 2026 was €602 Mil. Guidewire Software's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Apr. 2026 was €2,168 Mil. Guidewire Software's debt to asset for the quarter that ended in Apr. 2026 was 0.28.

Guidewire Software  (FRA:0GS) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Guidewire Software Debt-to-Asset Related Terms

Guidewire Software Debt-to-Asset Historical Data

* Premium members only.

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

Guidewire Software Debt-to-Asset Chart

Guidewire Software Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.20 0.21 0.22 0.20 0.26

Guidewire Software Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.28 0.26 0.27 0.26 0.28

FRA:0GS vs PTC, DT, TYL: Debt-to-Asset Comparison

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

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

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


FRA:0GS
80GF Score
Guidewire Software Inc FRA:0GS
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Guidewire Software Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Guidewire Software's Debt-to-Asset for the fiscal year that ended in Jul. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(8.945 + 604.404) / 2331.982
=0.26

Guidewire Software's Debt-to-Asset for the quarter that ended in Apr. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 602.123) / 2167.538
=0.28

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.28 mean?
Guidewire Software (FRA:0GS) has a Debt-to-Asset of 0.28 as of Apr. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Guidewire Software and its competitors.
Is Guidewire Software's Debt-to-Asset too high?
Guidewire Software's current Debt-to-Asset is 0.28. Overall, Guidewire Software has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guidewire Software's Debt-to-Asset compare to PTC and DT?
Guidewire Software's Debt-to-Asset of 0.28 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Software company?
A good Debt-to-Asset depends on the Software industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Guidewire Software and its competitors. Guidewire Software's current Debt-to-Asset is 0.28. 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 €179.31, compared to a current price of €139.05 — trading 22.5% below its estimated fair value. The current Debt-to-Asset is 0.28. Guidewire Software's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Guidewire Software (FRA:0GS), the current Debt-to-Asset is 0.28 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 €139.05 is trading 22.5% below its estimated GF Value™ of €179.31. GuruFocus considers Guidewire Software to be Modestly Undervalued.

Key valuation signals for FRA:0GS:

  • Debt-to-Asset: 0.28
  • GF Value™: €179.31 vs. price of €139.05 (22.5% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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 Business Description

Address 970 Park Pl., Suite 200, San Mateo, CA, USA, 94403
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.
80GF Score

Get the complete analysis for FRA:0GS

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€139.05
Price
€179.31
GF Value