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Guidewire SoftwareMEX:GWRE 76 Piotroski F-Score is 8 as of Jul. 15, 2026, which is 60% above its 10-year median of 5.00. GuruFocus rates MEX:GWRE with a GF Score™ of 76/100 and a GF Value™ of MXN2,711.94 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,735 Software companies, Guidewire Software ranks better than 98.61% on this metric.
Good Sign:
Piotroski F-Score is 8, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Guidewire Software has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Guidewire Software's Piotroski F-Score or its related term are showing as below:
MEX:GWRE'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 5 Max: 8
Current: 8
During the past 13 years, the highest Piotroski F-Score of Guidewire Software was 8. The lowest was 2. And the median was 5.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Guidewire Software Piotroski F-Score Related Terms
Guidewire Software Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Guidewire Software's Piotroski F-Score 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.
MEX:GWRE vs FIG, FROG, HUBS: Piotroski F-Score Comparison
For the Software - Application subindustry, Guidewire Software's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Software Industry
For the Software industry and Technology sector, Guidewire Software's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Guidewire Software's Piotroski F-Score 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.
This Year (Apr26) TTM:
Last Year (Apr25) TTM:
Net Income was 976.523 + 580.654 + 1042.866 + 288.508 = MXN2,889 Mil. Cash Flow from Operations was 4602.088 + -1249.997 + 1943.92 + 1071.67 = MXN6,368 Mil. Revenue was 6702.446 + 6169.289 + 6230.047 + 6525.465 = MXN25,627 Mil. Gross Profit was 4357.351 + 3885.9 + 4016.727 + 4145.097 = MXN16,405 Mil.
Average Total Assets from the begining of this year (Apr25)
to the end of this year (Apr26) was
(48744.794 + 51148.498 + 48950.352 + 46699.892 + 44405.626) / 5 = MXN47989.8324 Mil. Total Assets at the begining of this year (Apr25) was MXN48,745 Mil. Long-Term Debt & Capital Lease Obligation was MXN12,335 Mil. Total Current Assets was MXN21,289 Mil. Total Current Liabilities was MXN8,709 Mil.
Net Income was 311.676 + 183.067 + -768.987 + 901.028 = MXN627 Mil.
Revenue was 5421.45 + 5266.275 + 5971.683 + 5750.233 = MXN22,410 Mil. Gross Profit was 3467.244 + 3172.814 + 3695.727 + 3579.31 = MXN13,915 Mil.
Average Total Assets from the begining of last year (Apr24)
to the end of last year (Apr25) was
(34811.395 + 41403.503 + 52015.476 + 52455.194 + 48744.794) / 5 = MXN45886.0724 Mil. Total Assets at the begining of last year (Apr24) was MXN34,811 Mil. Long-Term Debt & Capital Lease Obligation was MXN13,845 Mil. Total Current Assets was MXN25,723 Mil. Total Current Liabilities was MXN7,952 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Guidewire Software's current Net Income (TTM) was 2,889.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Guidewire Software's return on assets of this year was 0.05925866. Guidewire Software's return on assets of last year was 0.01800514.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Guidewire Software's gearing of this year was 0.25704374. Guidewire Software's gearing of last year was 0.30173467.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Guidewire Software's current ratio of this year was 2.44463217. Guidewire Software's current ratio of last year was 3.23459878.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Guidewire Software's number of shares in issue this year was 85.066. Guidewire Software's number of shares in issue last year was 85.881.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Guidewire Software's gross margin of this year was 0.64014192. Guidewire Software's gross margin of last year was 0.62094234.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Guidewire Software's asset turnover of this year was 0.52574326. Guidewire Software's asset turnover of last year was 0.64374441.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Guidewire Software has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
Guidewire Software (MEX:GWRE) has a Piotroski F-Score of 8 as of Jul. 15, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Guidewire Software and its competitors. This is 60% above median its historical median of 5.00. Over the past decade, Guidewire Software's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Guidewire Software ranks #38 out of 2735 companies in the Software industry, placing it in the top 1.4%.
Is Guidewire Software's Piotroski F-Score too high?
Guidewire Software's current Piotroski F-Score of 8 is 60% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Software industry median Piotroski F-Score is 5.00. Guidewire Software's value of 8 is 60% above this industry median. Based on the distribution chart, Guidewire Software ranks #38 out of 2735 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Guidewire Software has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guidewire Software's Piotroski F-Score compare to FIG and FROG?
According to the Software industry distribution chart, Guidewire Software ranks #38 out of 2735 companies for Piotroski F-Score. This places Guidewire Software in the top 1% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 5.00. Guidewire Software's value of 8 is 60% above this benchmark. Historically, Guidewire Software's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, 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 Piotroski F-Score for a Software company?
The median Piotroski F-Score among Software companies is 5.00, based on 2,735 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guidewire Software's current Piotroski F-Score of 8 is 60% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Guidewire Software and its competitors. For the Software industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guidewire Software's current Piotroski F-Score is 8, which is 60% above median its own 10-year median of 5.00. 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 (MEX:GWRE) is currently considered Significantly Undervalued. The stock's GF Value™ is MXN2,711.94, compared to a current price of MXN1,865.00 — trading 31.2% below its estimated fair value. The current Piotroski F-Score is 8, which is 60% above median its 10-year median of 5.00 and 60% above the Software industry median of 5.00. Guidewire Software's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Guidewire Software (MEX:GWRE), the current Piotroski F-Score is 8 as of Jul. 15, 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 (MEX:GWRE) Overvalued in 2026?
Based on GuruFocus' analysis, Guidewire Software stock appears to be undervalued.
The current stock price of MXN1,865.00 is trading 31.2% below its estimated GF Value™ of MXN2,711.94.
GuruFocus considers Guidewire Software to be Significantly Undervalued.
Key valuation signals for MEX:GWRE:
Piotroski F-Score: 8 (60% above median its 10-year median of 5.00)
GF Value™: MXN2,711.94 vs. price of MXN1,865.00 (31.2% below fair value)
Industry Position: 60% above the Software median (#38 of 2735)
No single metric tells the full story. See the MEX:GWRE 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.
76GF Score
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Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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