Guidewire SoftwareFRA:0GS +6.89%70 PB Ratio is 7.09 as of Jun. 24, 2026, which is 22% above its 10-year median of 5.79. GuruFocus rates FRA:0GS with a GF Score™ of 70/100 and a GF Value™ of €177.18 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,624 Software companies, Guidewire Software ranks worse than 84.83% on this metric.
Guidewire Software Inc stock PB Ratio (=6.93) is close to 2-year low of 6.61.
The historical rank and industry rank for Guidewire Software's PB Ratio or its related term are showing as below:
FRA:0GS'
s PB Ratio Range Over the Past 10 Years
Min: 3.13 Med: 5.79 Max: 15.8
Current: 6.93
During the past 13 years, Guidewire Software's highest PB Ratio was 15.80. The lowest was 3.13. And the median was 5.79.
FRA:0GS's PB Ratio is ranked worse than 84.83% of 2624
companies
in the Software industry
Industry Median: 2.37
vs FRA:0GS: 6.93
During the past 12 months, Guidewire Software's average Book Value Per Share Growth Rate was -2.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -3.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Guidewire Software was 41.70% per year. The lowest was -9.50% per year. And the median was 7.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Guidewire Software PB Ratio Related Terms
Guidewire Software PB Ratio Historical Data
* Premium members only.
The historical data trend for Guidewire Software's PB 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Guidewire Software's PB Ratio distribution charts can be found below:
* The bar in red indicates where Guidewire Software's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Guidewire Software (FRA:0GS) has a PB Ratio of 7.09 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Guidewire Software and its competitors. This is 22% above median its historical median of 5.79. Over the past decade, Guidewire Software's PB Ratio has ranged from 3.13 to 15.80. According to the industry distribution chart, Guidewire Software ranks #2226 out of 2624 companies in the Software industry, placing it in the top 84.8%.
Is Guidewire Software's PB Ratio too high?
Guidewire Software's current PB Ratio of 7.09 is 22% above median its 10-year median of 5.79. Over the past 10 years, this metric has ranged from a low of 3.13 to a high of 15.80. The Software industry median PB Ratio is 2.37. Guidewire Software's value of 7.09 is 199.2% above this industry median. Based on the distribution chart, Guidewire Software ranks #2226 out of 2624 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Guidewire Software has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guidewire Software's PB Ratio compare to TYL and U?
According to the Software industry distribution chart, Guidewire Software ranks #2226 out of 2624 companies for PB Ratio. This places Guidewire Software in the lower half of its industry. The industry median PB Ratio is 2.37. Guidewire Software's value of 7.09 is 199.2% above this benchmark. Historically, Guidewire Software's own PB Ratio has ranged from 3.13 to 15.80 over the past decade. While the company's 10-year median is 5.79 vs. the industry median of 2.37, 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.37, based on 2,624 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guidewire Software's current PB Ratio of 7.09 is 199.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Guidewire Software and its competitors. For the Software industry, the median PB Ratio is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guidewire Software's current PB Ratio is 7.09, which is 22% above median its own 10-year median of 5.79. 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 Significantly Undervalued. The stock's GF Value™ is €177.18, compared to a current price of €95.88 — trading 45.9% below its estimated fair value. The current PB Ratio is 7.09, which is 22% above median its 10-year median of 5.79 and 199.2% above the Software industry median of 2.37. Guidewire Software's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Guidewire Software (FRA:0GS), the current PB Ratio is 7.09 as of Jun. 24, 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 €95.88 is trading 45.9% below its estimated GF Value™ of €177.18.
GuruFocus considers Guidewire Software to be Significantly Undervalued.
Key valuation signals for FRA:0GS:
PB Ratio: 7.09 (22% above median its 10-year median of 5.79)
GF Value™: €177.18 vs. price of €95.88 (45.9% below fair value)
Industry Position: 199.2% above the Software median (#2226 of 2624)
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.
70GF Score
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