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GWRE · NYSE · United States · Services-Prepackaged Software
In shortGuidewire Software, Inc. is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 10.2% | 51/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 9.4% | 58/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 10.5% | 53/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | – | n/a |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.79× | 82/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | – | n/a |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | – | n/a |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 11.25× | 93/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.33 | 6/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 25.6% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 2.71× | 100/100 |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 2 of 5 | 40/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 7.2% | 84/100 |
| Operating margin volatility | 14.2% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 17.7% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 813 | 905 | 980 | 1,202 | 1,475 |
| Cost of revenue | 435 | 447 | 397 | 450 | 528 |
| Gross profit | 377 | 458 | 583 | 752 | 947 |
| Research & development | 229 | 250 | 269 | 296 | 340 |
| Operating income | (199) | (149) | (53) | 41 | 150 |
| Interest expense | 19 | 6.7 | 6.7 | 13 | 13 |
| Pre-tax income | (230) | (134) | (27) | 49 | 164 |
| Income tax | (49) | (22) | (21) | (20) | 25 |
| Net income | (180) | (112) | (6.1) | 70 | 139 |
| Diluted EPS | −$2.16 | −$1.36 | −$0.07 | $0.81 | $1.63 |
| Diluted shares (millions) | 84 | 82 | 82 | 86 | 85 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Guidewire Software, Inc. are included in the Investor plan. Try free for 7 days →
1.33 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
8/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jul 31, 2026 · Data updated Sep 11, 2026