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GWGWRE

Guidewire Software, Inc.

$GWRE·$14B·Software - Application·Technology
$162.42-19.9%YTD-20.2%1Y-25.1%
Price updated 3m ago·X counts updated 18h ago
GWGWRE
$GWREGuidewire Software, Inc.
$162.42-19.93%233 posts0.9×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $GWRE on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

233X posts · last 7 days
Aug 22Sep 6
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $GWRE's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 59% of tracked names.

Bearish sentimentAI analysisGenerated by AI from underlying data11 posts analyzed · as of 2026-09-06

Bearish, with Guidewire beating Q4 estimates (revenue $411.1M vs $402M est +15% YoY, adjusted EPS $0.99 vs $0.94, non-GAAP operating income +51% YoY) but shares dropping 15–22% after hours on softer FY27 ARR growth guidance of 18% versus 19% prior. Long-duration software got taken out back on the print.

Read what X is saying about $GWRE

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $GWRE — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersCooling offAI verdict · as of 2026-09-07

Catching its breath after a run — could pick back up or fade from here.

Beat-and-raise Q4 followed by an ARR-guide trim of 1 point — long-duration software got taken behind the shed.

Guidewire is the dominant property-and-casualty insurance software provider — a slow-moving oligopoly business with a genuine customer moat that has spent the last three years transitioning from on-prem to cloud. The Q4 print was clean on the numbers and cost the stock 15-22% anyway.

  • The Q4 print was solid — revenue $411M vs $402M consensus (+15% YoY), adjusted EPS $0.99 vs $0.94, non-GAAP operating income +51% YoY — mechanically a beat-and-raise setup that would normally extend the trend.
  • The problem is a single line — FY27 ARR growth guided to 18% versus the prior 19%; that's a small change in absolute terms but at 8x sales for a software business, the market treats 100bps of ARR deceleration as a re-rate signal, not noise.
  • The insider tape is small and consistent — chairman Michael Rosenbaum trimmed twice in the last two weeks (~$500K combined) and other officers (David Peterson, John Mullen) sold small; no cluster selling but the ceremonial CAO retirement announcement (David Peterson, effective Nov 4) adds governance transition noise.

A December 3 fiscal Q1 print with ARR growth reaccelerating above 19% is what turns the cooling. Another quarter of ARR deceleration, or a large-customer cloud-migration delay, is what confirms the sell-off was right and forces further compression.

Agrees with X sentimentX is bearish for defensible reasons — the ARR guide trim of 1 point drove a 15-22% drop and the long-duration-software drawdown context is real. The mechanics agree; the multiple was priced for 19% and the guide came in at 18%.

What to watch: December 3 fiscal Q1 earnings — ARR growth vs the 18% baseline, cloud transition metrics, and any large-customer migration disclosure; ARR back above 19% turns cooling, another decel confirms the sell-off.

On the calendar: 2026-12-03 — fiscal Q1 earnings

arr guide trimmedcao retirementpost beat gap downcloud migration dependent

Read the AI verdict on $GWRE

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Cloud-based core insurance software (policy, billing, claims) for property and casualty insurers worldwide.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $GWRE.

Software - Application · Technology

SaaS deal cycles remain elongated outside AI-native workloads; rate-sensitive multiples are compressing pure-play revenue growth stories. AI co-pilot and agent automation upsell — NOW, CRM, SAP, WDAY, TEAM — is the only segment with clear near-term acceleration, while companies lacking AI differentiation are treading water on flat net-dollar-retention.

What this means for $GWRE

Partial — Guidewire's P&C insurance core systems are mission-critical with long renewal cycles; AI-enhanced claims and underwriting features are real but adoption is gradual in the highly regulated insurance vertical.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-2.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
72.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
5.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
8.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
2.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
8.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
11.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
64.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Sep 3, 2026$0.99$0.93+6.1%
Q1 2026Jun 4, 2026$0.82$0.74+10.4%
Q4 2025Mar 5, 2026$1.17$0.77+51.4%
Q3 2025Dec 3, 2025$0.66$0.61+7.5%
Next earningsThu, Dec 3·consensus EPS $0.76

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY26$372.5M+26.9%63.5%8.2%$0.19$-22.9M
Q2 FY26$359.1M+24.0%64.5%10.8%$0.71$108.8M
Q1 FY26$332.6M+26.5%63.0%5.6%$0.37$-72.3M
Q4 FY25$356.6M+22.3%65.0%8.3%$0.62$241.4M

Forward consensus

4-year forecast · up to 13 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.5B – $1.5B$3.47$3.35 – $3.5713
FY27$1.7B$1.7B – $1.7B$4.18$3.35 – $4.6810
FY28$2.0B$1.9B – $2.1B$5.33$4.36 – $6.0613
FY29$2.3B$2.2B – $2.4B$6.84$6.16 – $7.716

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.4.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.35%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+3.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 75.1M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today6.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 31Rosenbaum Michael GeorgeCEO1.2K sh$245KSellAug 27Peterson David FranklinChief Accounting Officer2.5K sh$500KSellAug 25John P MullenPresident1.8K sh$339KSellAug 24Rosenbaum Michael GeorgeCEO1.2K sh$225KSellAug 19John P MullenPresident16.2K sh$3.0MSellAug 19John P MullenPresident14.4K sh$2.7MSellAug 17Rosenbaum Michael GeorgeCEO1.2K sh$207KSellAug 10Rosenbaum Michael GeorgeCEO1.2K sh$203KSellAug 3Rosenbaum Michael GeorgeCEO1.2K sh$187KSellJul 27Rosenbaum Michael GeorgeCEO1.2K sh$171K
1–10 of 42
+ 1 other (1 award) in window

See when $GWRE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeSep 38-K — Item 5.02: Officer or director change
AI summary

Guidewire Software, Inc. announced that David Peterson (SVP, Chief Accounting Officer and principal accounting officer) will retire effective November 4, 2026, with CFO Jeff Cooper expected to assume principal accounting officer duties pending board approval. Separately, the company also reported financial results for its fiscal Q4 and full year ended July 31, 2026 (Exhibit 99.1). The accounting officer transition is routine and immaterial; the quarterly results announcement is the more significant event.

3New insider — initial holdingsAug 33
AI summary

Karl Alexander Vollert filed an initial statement of beneficial ownership (Form 3) as a new Director of Guidewire Software Inc (GWRE), with a trigger event date of August 1, 2026. Vollert reports no securities beneficially owned in common stock or derivative securities. The form was filed August 3, 2026 by attorney-in-fact Winston King on his behalf. This is a routine new director Form 3 filing with no immediate financial impact; Vollert's board appointment is the substantive event.

8-KOfficer or director changeJul 228-K — Item 5.02: Officer or director change
AI summary

GWRE filed an 8-K under Item 5.02 announcing the appointment of Alexander Vollert as a director of the Board. Additionally, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. The filing also covers Item(s) 9.01. Personnel changes at the executive or board level are typically administrative but can signal strategic shifts depending on context.

+ 9 other (7 13Gs · 1 10-Q · 1 earnings 8-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Guidewire Software Q4 Earnings Call Highlightsdefenseworld.net·2d agoThese Analysts Revise Their Forecasts On Guidewire Software After Q4 Resultsbenzinga.com·3d agoGuidewire Software (GWRE) Faces Pressure Amid Mixed Q1 Outlook and Strong FY27 Guidancegurufocus.com·3d agoGuidewire Software Q4: Fair Earnings, But A Justified Stock Declineseekingalpha.com·3d agoGuidewire Software, Inc. (GWRE) Q4 2026 Earnings Call Transcriptseekingalpha.com·4d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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