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GWGWRE

Guidewire Software, Inc.

$GWRE·$12B·Software - Application·Technology
$131.38-1.9%YTD-34.6%1Y-41.3%
Mentions · last 7 days
2026-07-16: 7 posts2026-07-17: 7 posts2026-07-18: 0 posts2026-07-19: 0 posts2026-07-20: 1 posts2026-07-21: 2 posts2026-07-22: 2 posts190%
Price updated 7h ago·X counts updated 1d ago
GWGWRE
$GWREGuidewire Software, Inc.
$131.38-1.93%19 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

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 numbersCooling offAI verdict · as of 2026-07-23

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

P&C insurance software down 33% YTD with sustained CEO selling and cloud story priced in.

Guidewire Software is the P&C insurance software franchise whose fundamentals are still solidly executing — but the multiple has compressed hard and the CEO has been a steady seller over the last month.

  • Stock is down about 33% year-to-date at $133.97 with a $12.5B market cap and a low 52-week position (~19%); position vs 200-day is -20%. • Q3 fiscal 2026 revenue was $372.5M with 27% year-over-year growth and EPS of $0.19; the trailing four quarters ran 22-27% growth — the operating engine has not slowed. • Last four earnings surprises are +10%, +51%, +7%, +32% — a genuine beat-run against a market that is not paying the multiple for it anymore. • Named CEO Mike Rosenbaum has sold ~$650K across four transactions in the past four weeks; James King (director) sold $220K on July 9 — a steady drip of insider selling into weakness. • Consensus FY26 EPS is $3.48 rising to $4.12 FY27 — at $134 that puts forward multiple at 32x — full but not extreme for a mission-critical vertical SaaS name.

What to watch is the September 3 Q4 print — cloud ARR growth, cloud transition margin, any CEO commentary explaining the sustained selling pattern, and any FY27 revenue guidance reset.

What to watch: Sep 3 Q4 print — cloud ARR growth, cloud transition margin, CEO selling commentary, and FY27 revenue guidance.

On the calendar: Q4 FY26 earnings on Sep 3, 2026 (est $0.94)

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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

No material change from last week — platforms where agents expand contract value (ServiceNow, Snowflake) are re-rated upward, while tools where agents substitute human users (Adobe Creative..

What this means for $GWRE

Neutral — Cloud-based core insurance software (policy, billing, claims) for property and casualty insurers worldwide; limited read-through from software - application macro dynamics to this specific revenue mix.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-18.2%YTD
-22.1%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
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$1.5B$1.5B – $1.5B$3.48$3.36 – $3.5912
FY27$1.7B$1.7B – $1.8B$4.12$3.29 – $4.6912
FY28$2.0B$2.0B – $2.0B$5.14$4.21 – $6.6813

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.0.4×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.17%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.-0.9%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.-20.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 75.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.1% 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

SellJul 20Rosenbaum Michael GeorgeCEO1.2K sh$177KSellJul 13Rosenbaum Michael GeorgeCEO1.2K sh$166KSellJul 9King James WinstonChief Admin Officer, Gen Couns1.7K sh$220KSellJul 6Rosenbaum Michael GeorgeCEO1.2K sh$158KSellJun 29Rosenbaum Michael GeorgeCEO1.2K sh$149KSellJun 22Cooper Jeffrey ElliottCFO1.3K sh$142KSellJun 22Rosenbaum Michael GeorgeCEO1.2K sh$127KSellJun 16John P MullenPresident4.3K sh$510KSellJun 16Cooper Jeffrey ElliottCFO2.6K sh$308KSellJun 16Peterson David FranklinChief Accounting Officer246 sh$29K
1–10 of 39

See when $GWRE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
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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.

No material 8-K / SC 13D / S-3 / 424B5 filings in the last 180 days.

+ 13 other (9 13Gs · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

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

Guidewire Appoints Alexander Vollert as Board Memberbusinesswire.com·2d agoIs Guidewire Software Inc (GWRE) a Bargain After 4.5% Drop? GF Value Says Undervaluedgurufocus.com·2d agoThrivent Small Cap Growth Fund Q2 2026 Portfolio Reviewseekingalpha.com·5d agoBessemer Group Inc. Grows Stake in Guidewire Software, Inc. $GWREdefenseworld.net·5d agoGuidewire Software: The Cloud Story Is Priced In, But The Platform Story Isn'tseekingalpha.com·8d ago

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