# GUIDEWIRE SOFTWARE, INC. (GWRE) — Stock CV

Guidewire Software, Inc. is a $13.7B technology company. Revenue grew 22.7% over the last year, it keeps 9¢ of every dollar of sales as profit, and it holds more cash than debt. It trades at 98.5× earnings — around the middle of its own history.

> Guidewire Software provides cloud-based software solutions for property and casualty insurers.

## Identity

- **Ticker**: GWRE
- **Sector**: Technology
- **Industry**: Services-Prepackaged Software
- **Headquarters**: SAN MATEO, CA
- **Employees**: 4 174
- **Website**: https://www.guidewire.com
- **Market cap**: $13.7B
- **Last price**: $166.94
- **Financial profile**: Strong

## Vitals (TTM)

- **Revenue**: $1.48B
- **Net income**: $139M
- **Free cash flow**: $378M
- **Net cash**: $62.2M
- **P/E**: 98.5
- **Revenue growth (YoY)**: 22.7%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 37 |
| Growth | 45 |
| Profitability | 49 |
| Health | 68 |
| Quality | 84 |
| Moat | 43 |

## Qualifications (beginner checklist) — 9 of 10 passed

- [x] Revenue growing — +22.7% YoY
- [x] Profitable — $139M TTM
- [x] Profit growing — +99.5% YoY
- [x] Generates cash — $378M TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $13.7B market cap
- [x] Not printing shares — +2.2% shares over ~5y
- [x] Proven track record — 5/11 profitable years
- [x] Financially stable — Altman Z 6.6 — safe
- [ ] Valuation not extreme — P/E 98.5

## Experience (career milestones)

- **FY2026** — Best year on record: $139M net income
- **FY2025** — Revenue crossed $1B: $1.20B for the year
- **FY2016** — First recorded profitable year: $15.0M net income

## Strengths

- High gross margin (64.2%)
- Revenue growing 22.7% year over year
- Strong cash conversion — FCF is 25.6% of revenue
- Net cash position after subtracting debt from cash
- Piotroski F-Score 7/9 — fundamentally strong checklist

## Watch-outs

- Thin interest coverage (-7.0×)
- Loss-making in 6 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2022 | $813M | -$180M | -$47.5M |
| FY2023 | $905M | -$112M | $32.6M |
| FY2024 | $980M | -$6.10M | $189M |
| FY2025 | $1.20B | $69.8M | $295M |
| FY2026 | $1.48B | $139M | $378M |

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Source: https://stockcv.com/GWRE — derived from company filings; may be delayed or incomplete. Information, not investment advice.