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Guidewire SoftwareFRA:0GS -4.29%79 Equity-to-Asset is 0.52 as of Apr. 2026, which is 25% below its 10-year median of 0.69. GuruFocus rates FRA:0GS with a GF Score™ of 79/100 and a GF Value™ of €179.34 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,891 Software companies, Guidewire Software ranks worse than 54.51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Guidewire Software's Total Stockholders Equity for the quarter that ended in Apr. 2026 was €1,126 Mil. Guidewire Software's Total Assets for the quarter that ended in Apr. 2026 was €2,168 Mil.
Therefore, Guidewire Software's Equity to Asset Ratio for the quarter that ended in Apr. 2026 was 0.52.
The historical rank and industry rank for Guidewire Software's Equity-to-Asset or its related term are showing as below:
FRA:0GS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.49 Med: 0.69 Max: 0.88
Current: 0.52
During the past 13 years, the highest Equity to Asset Ratio of Guidewire Software was 0.88. The lowest was 0.49. And the median was 0.69.
FRA:0GS's Equity-to-Asset is ranked worse than 54.51% of 2891
companies
in the Software industry
Industry Median: 0.56
vs FRA:0GS: 0.52
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Guidewire Software Equity-to-Asset Related Terms
Guidewire Software Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Guidewire Software's Equity-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.
FRA:0GS vs FIG, DT, TYL: Equity-to-Asset Comparison
For the Software - Application subindustry, Guidewire Software's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, Guidewire Software's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Guidewire Software's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Guidewire Software's Equity to Asset Ratio for the fiscal year that ended in Jul. 2025 is calculated as
* 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 Equity-to-Asset of 0.52 as of Apr. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Guidewire Software and its competitors. This is 25% below median its historical median of 0.69. Over the past decade, Guidewire Software's Equity-to-Asset has ranged from 0.49 to 0.88. According to the industry distribution chart, Guidewire Software ranks #1576 out of 2891 companies in the Software industry, placing it in the top 54.5%.
Is Guidewire Software's Equity-to-Asset too high?
Guidewire Software's current Equity-to-Asset of 0.52 is 25% below median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.88. The Software industry median Equity-to-Asset is 0.56. Guidewire Software's value of 0.52 is 7.1% below this industry median. Based on the distribution chart, Guidewire Software ranks #1576 out of 2891 companies in the Software industry, which is below the industry midpoint. Overall, Guidewire Software has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guidewire Software's Equity-to-Asset compare to FIG and DT?
According to the Software industry distribution chart, Guidewire Software ranks #1576 out of 2891 companies for Equity-to-Asset. This places Guidewire Software in the lower half of its industry. The industry median Equity-to-Asset is 0.56. Guidewire Software's value of 0.52 is 7.1% below this benchmark. Historically, Guidewire Software's own Equity-to-Asset has ranged from 0.49 to 0.88 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 0.56, Guidewire Software has consistently been below 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,891 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guidewire Software's current Equity-to-Asset of 0.52 is 7.1% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Guidewire Software and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guidewire Software's current Equity-to-Asset is 0.52, which is 25% below median its own 10-year median of 0.69. 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 €179.34, compared to a current price of €151.60 — trading 15.5% below its estimated fair value. The current Equity-to-Asset is 0.52, which is 25% below median its 10-year median of 0.69 and 7.1% below the Software industry median of 0.56. Guidewire Software's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Guidewire Software (FRA:0GS), the current Equity-to-Asset is 0.52 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 €151.60 is trading 15.5% below its estimated GF Value™ of €179.34.
GuruFocus considers Guidewire Software to be Modestly Undervalued.
Key valuation signals for FRA:0GS:
Equity-to-Asset: 0.52 (25% below median its 10-year median of 0.69)
GF Value™: €179.34 vs. price of €151.60 (15.5% below fair value)
Industry Position: 7.1% below the Software median (#1576 of 2891)
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.
79GF Score
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