Guidewire Software Inc
Leading provider of cloud platform solutions for property and casualty insurers worldwide
What the page says before deeper research
Quality, growth, value, ownership, risk, and source confidence.
Moat 85/100 with low retention risk.
Growth appears healthy from +24% YoY revenue growth.
Forward P/E of 37.0x versus +24% growth gives a 1.6x multiple-to-growth read.
No SEC-backed 13F layer is matched yet, so ownership confirmation is unavailable.
Monitor valuation, retention, and AI disruption risk.
Fundamentals from finnhub as of 2026-05-17; ownership confirmation is not available here.
This is the cleanest available growth check in the provided fundamentals.
Beginner valuation check
Data pending from FMP or Finnhub.
Negative price performance shows recent market sentiment, not a full investment thesis.
Forward P/E around 37.0x means investors pay about $37.0 for each expected $1 of future profit per share, usually the next 12 months or next fiscal year. It is a forecast, not a fact.
A P/E around 58.2x means investors pay about $58.2 for each $1 the company earned per share over the last 12 months, usually the last four quarterly reports.
Source: market data index. As of May 21, 2026. P/E can be unavailable or misleading when earnings are negative.
Beginner guide
Guidewire makes special computer programs that help insurance companies decide how much to charge you for car insurance and pay you when you crash your car.
Leading provider of cloud platform solutions for property and casualty insurers worldwide
Guidewire Software Inc makes money through Cloud Platform (~75% of revenue), Data & Analytics (~15% of revenue), and Digital Engagement (~10% of revenue).
Core systems integration creates 3-5 year switching costs for P&C insurers
Guidewire Software Inc can disappoint if execution, competition, valuation, or demand cycles weaken growth, margins, customer retention, or investor confidence.
Guidewire Software Inc is like a business operating system for cloud platform: customers pay because replacing it can be disruptive.
You are basically betting that Guidewire Software Inc can keep turning cloud platform into durable value while managing execution, competition, valuation, or demand cycles.
A 0-100 shortcut for how defensible the business looks in this company brief. Guidewire Software Inc is scored at 85.
How painful it is for customers to leave. this company brief rates Guidewire Software Inc as high.
Whether existing customers tend to spend more or less over time. The company brief model uses 108%.
The main pieces of the company here are Cloud Platform, Data & Analytics, and Digital Engagement.
Price divided by earnings. It is a quick valuation check, but it can mislead when earnings are temporarily high, low, or negative.
A quarterly filing that shows what many large institutional investors owned at quarter end.
The first four questions
Guidewire’s cloud platform is the main engine, and its 108% NRR suggests existing P&C customers are still expanding usage rather than just renewing.
GWRE can disappoint if execution slows, competition intensifies, or customer retention and demand weaken in its core insurance software workflows.
Cloud Platform (~75% of revenue)
Next earnings date unavailable from configured sources.
Bull / Neutral / Bear
Investors keep focusing on the Cloud Platform business engine and compare the current 37.0x forward P/E against ongoing growth and customer expansion.
Forward P/E stays near 37.0x while revenue growth and usage expansion remain constructive.
Cloud transformation keeps expanding inside Guidewire’s installed base, and the 108% NRR pattern signals continued customer expansion on the core platform.
Cloud Platform momentum and revenue growth stay strong while retention remains high.
Investors keep focusing on the Cloud Platform business engine and compare the current 37.0x forward P/E against ongoing growth and customer expansion.
Forward P/E stays near 37.0x while revenue growth and usage expansion remain constructive.
The story weakens if enterprise insurance customers slow expansion, implementation friction rises, or confidence in the cloud migration path fades.
Revenue growth slows, customer expansion cools, or platform adoption weakens.
Beginner checklist
Needs earnings calendar data from a provider.
This is the cleanest available growth check in the provided fundamentals.
Margin trend needs company financial statement data; do not infer it from price movement.
A useful valuation anchor, but it should be judged alongside growth and business quality.
No SEC-backed ownership rows are available for this ticker yet.
Needs insider transaction data from a provider.
For GWRE, the core operating KPI to watch is whether the cloud platform keeps expanding inside insurer workflows.
Guidewire Software Inc is exposure to insurance technology operating model with high switching costs and 108% net revenue retention.
Core systems integration creates 3-5 year switching costs for P&C insurers
The main question is whether the company can keep customer value compounding without margin pressure eroding the moat.
Pro access unlocks the workflow simulator for this company brief.
Simulator coverage pending
This ticker has a company brief, but richer workflow modules have not been built yet.
No SEC-backed 13F rows are matched for this ticker yet. We do not fabricate ownership rows.
- Core systems integration creates 3-5 year switching costs for P&C insurers
- Regulatory compliance requirements lock in enterprise customers
- Industry-specific workflows and data models extremely difficult to replicate
- Cloud transformation driving 108% NRR as customers expand usage
- AI/ML capabilities being integrated into existing workflows vs. replacement threat