Guidewire Software, Inc. GWRE
Guidewire Software, Inc. (GWRE) earns a Piotroski F-score of 4/9 (mixed financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-10 | Piper Sandler | Overweight (init) |
| 2026-07-23 | Guggenheim | Buy (init) |
| 2026-07-14 | JP Morgan | Overweight (main) |
| 2026-07-02 | BTIG | Buy (reit) |
| 2026-06-25 | BTIG | Buy (main) |
| 2026-06-08 | DA Davidson | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.354 |
| Retained earnings / assets | -0.204 |
| EBIT / assets | 0.015 |
| Equity / liabilities | 1.153 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| GWRE | Guidewire Software, Inc. | 4/9 | 2.97 | — | +22.6% |
| CVLT | COMMVAULT SYSTEMS INC | 5/9 | -0.09 | 82.1 | +18.9% |
| BOX | BOX INC | 5/9 | -1.28 | 31.8 | +8% |
| MNDY | monday.com Ltd. | 5/9 | 4.19 | 31.5 | +26.7% |
| KVYO | Klaviyo, Inc. | 4/9 | 5.01 | — | +31.6% |
| GTM | ZoomInfo Technologies Inc. | 7/9 | 0.6 | 6.9 | +2.9% |
| BLKB | BLACKBAUD INC | 8/9 | -0.1 | 11.7 | -2.3% |
About Guidewire Software, Inc.
Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers . The company was incorporated in 2001 and is headquartered in San Mateo, California.
FAQ
Is GWRE financially healthy?
Guidewire Software, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does GWRE pay a dividend?
No, Guidewire Software, Inc. does not currently pay a dividend.
Is GWRE overvalued or undervalued?
Guidewire Software, Inc. trades at about 213.7× trailing earnings — below its 10-year norm (10-year range 89.2×–399.4×, median 307.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for GWRE?
The average Wall-Street price target for Guidewire Software, Inc. is $201.00, about 16.1% above the recent price, from 14 analysts (consensus: buy).
Is GWRE a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Guidewire Software, Inc.: a Piotroski F-score of 4/9, an Altman Z″ in the safe zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-07-31. Facts plus Stocktoria's own computed scores — not investment advice.