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GWGWRE

Guidewire Software, Inc.

$GWRE·$12B·Software - Application·Technology
$127.65-6.2%
Mentions · last 7 days
2026-06-02: 5 posts2026-06-03: 18 posts2026-06-04: 86 posts2026-06-05: 49 posts2026-06-06: 1 posts2026-06-07: 1 posts2026-06-08: 5 posts165+3%
Price updated 12h ago·X counts updated 7h ago
GWGWRE
Guidewire Software, Inc.$GWRE
$127.65-6.18%165 posts+3%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $GWRE, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersStalledAI verdict · as of 2026-06-09

The move has stalled — likely just drifts unless something new shows up.

Guidewire dropped 6% post-Q3 even on a beat — CEO Rosenbaum has been selling $150-190K weekly through May-June.

Guidewire Software is the leading insurance-industry software platform — Policy, Billing, and Claims core systems used by property-and-casualty insurance carriers globally. Q3 revenue grew 27% YoY to $373M with gross margin at 64%, operating margin at 8.2%, and free cash flow of -$23M for the quarter (typical SaaS seasonality). The stock is down 6.2% today after the post-earnings reaction, sitting at the 13th percentile of its 52-week range — has cooled meaningfully despite the operational acceleration. Q3 earnings and revenue both beat estimates and rose YoY but the Seekingalpha 'good earnings but a concern arises' framing reflects post-print analyst concern (likely around forward guidance or specific KPI commentary). The eyebrow-raiser is CEO Michael George Rosenbaum's pattern of weekly S-Sales: $190K on June 2 at $158.92, $166K on May 26 at $138.51, $154K on May 18 at $128.19, plus $164K on May 12 at $136.38 — roughly $674K of CEO-led distribution across May-June at $128-159, all above current price. At 72x trailing earnings the multiple is rich but typical for a high-margin vertical-SaaS franchise.

What to watch: September 3 Q4 print — ARR growth plus operating margin progressing past 9% is the swing factor. Continued weekly CEO Rosenbaum S-Sales pattern plus any meaningful customer-churn disclosure is what extends the stall.

On the calendar: 2026-09-03 — Q4 earnings

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What it does

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

Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company 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 to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.

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

Enterprise AI agent workflow automation is bifurcating application software — NOW and SNOW repricing as AI converts SaaS seats into broader platform contracts while SNOW's blowout Q1 confirms GenAI consumption revenue inflecting. Legacy application vendors face agent displacement risk as AI automates workflows their software was built to support.

See how Software - Application shapes $GWRE

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $GWRE's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-10.0%YTD
-8.4%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
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%
Q2 2025Sep 4, 2025$0.84$0.64+32.3%
Next earningsThu, Sep 3·consensus EPS $0.94

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

3-year forecast · up to 13 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.4B$1.4B – $1.5B$3.52$3.29 – $3.8512
FY27$1.7B$1.6B – $1.8B$4.26$3.78 – $4.9212
FY28$1.9B$1.9B – $1.9B$5.40$4.42 – $7.0113

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.2.9×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.13%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.-2.7%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.-25.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $GWRE is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

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

Recent transactions

SellJun 1Rosenbaum Michael GeorgeCEO1.2K sh$191KSellMay 26Rosenbaum Michael GeorgeCEO1.2K sh$166KSellMay 18Rosenbaum Michael GeorgeCEO1.2K sh$154KSellMay 11Rosenbaum Michael GeorgeCEO1.2K sh$164KSellMay 4Rosenbaum Michael GeorgeCEO1.2K sh$170KSellApr 27Rosenbaum Michael GeorgeCEO1.2K sh$166KSellApr 20Rosenbaum Michael GeorgeCEO1.2K sh$168KSellApr 13Rosenbaum Michael GeorgeCEO1.2K sh$143KSellApr 6Rosenbaum Michael GeorgeCEO1.2K sh$181KSellMar 30Rosenbaum Michael GeorgeCEO1.2K sh$175K
1–10 of 38
+ 7 other (7 awards) 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-KShareholder voteDec 18, 20258-K — Item 5.07: Shareholder vote
+ 13 other (8 13Gs · 2 10-Qs · 2 earnings 8-Ks · 1 routine 8-K) in window

Recent news

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

Guidewire Software: Good Earnings, But A Concern Arisesseekingalpha.com·3d agoGuidewire Q3 Earnings & Revenues Beat Estimates, Increase Y/Yzacks.com·4d agoGuidewire Software, Inc. (GWRE) Q3 2026 Earnings Call Transcriptseekingalpha.com·4d agoGuidewire Software Q3 Earnings Call Highlightsmarketbeat.com·4d agoGuidewire Software (GWRE) Reports Q3 Earnings: What Key Metrics Have to Sayzacks.com·4d ago

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Voices on X · last 7 days

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