Guidewire Software, Inc. - Understand $gwre stock

$GWRE Market Cap: $17.25 Billion

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Financial Snapshot

Revenue

$1.036B

TTM

Gross Margin

60.6%

TTM

Net Earnings

$30.11M

TTM

Current Assets

$1.637B

Q4 2024

Current Liabilities

$615.2M

Q4 2024

Current Ratio

266.12%

Q4 2024

Total Assets

$2.597B

Q4 2024

Total Liabilities

$1.329B

Q4 2024

Book Value

$1.268B

Q4 2024

Cash

$823.6M

Q4 2024

P/E

573.0

Nov 29, 2024 EST

Free Cash Flow

$190.8M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue	$980.5M	$905.3M	$812.6M	$743.3M	$742.3M	$719.5M	$652.8M	$509.5M	$424.4M	$380.5M	$350.2M	$300.6M	$232.1M	$172.5M	$144.7M	$84.70M	$70.70M
YoY Change	8.3%	11.41%	9.33%	0.13%	3.17%	10.21%	28.13%	20.05%	11.54%	8.65%	16.5%	29.56%	34.55%	19.19%	70.84%	19.8%	64.8%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue	$980.5M	$905.3M	$812.6M	$743.3M	$742.3M	$719.5M	$652.8M	$509.5M	$424.4M	$380.5M	$350.2M	$300.6M	$232.1M	$172.5M	$144.7M	$84.70M	$70.70M
Cost Of Revenue	$397.1M	$447.1M	$460.4M	$375.1M	$338.0M	$324.4M	$296.7M	$191.6M	$151.8M	$147.2M	$148.9M	$125.7M	$90.01M	$68.34M	$55.50M	$41.70M	$42.40M
Gross Profit	$583.4M	$458.2M	$352.2M	$368.2M	$404.3M	$395.2M	$356.1M	$318.0M	$272.6M	$233.4M	$201.3M	$175.0M	$142.1M	$104.1M	$89.20M	$43.10M	$28.20M
Gross Profit Margin	59.5%	50.61%	43.34%	49.54%	54.46%	54.92%	54.54%	62.4%	64.23%	61.32%	57.47%	58.21%	61.21%	60.37%	61.64%	50.89%	39.89%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Selling, General & Admin	$366.6M	$358.0M	$302.0M	$254.3M	$227.6M	$205.2M	$200.0M	$165.8M	$143.7M	$123.4M	$106.7M	$82.27M	$64.07M	$52.48M	$42.90M	$31.20M	$24.20M
YoY Change	2.4%	18.53%	18.76%	11.73%	10.94%	2.56%	20.65%	15.39%	16.41%	15.67%	29.7%	28.41%	22.07%	22.34%	37.5%	28.93%	21.0%
% of Gross Profit	62.83%	78.12%	85.74%	69.06%	56.3%	51.92%	56.18%	52.14%	52.7%	52.89%	53.01%	47.01%	45.1%	50.4%	48.09%	72.39%	85.82%
Research & Development	$269.4M	$249.7M	$249.7M	$219.5M	$200.6M	$188.5M	$171.7M	$130.3M	$112.5M	$93.44M	$76.18M	$62.99M	$49.06M	$34.77M	$28.30M	$22.40M	$21.20M
YoY Change	7.86%	0.03%	13.75%	9.43%	6.38%	9.84%	31.72%	15.85%	20.39%	22.66%	20.93%	28.41%	41.07%	22.87%	26.34%	5.66%	31.68%
% of Gross Profit	46.18%	54.5%	70.88%	59.61%	49.61%	47.71%	48.21%	40.99%	41.27%	40.04%	37.84%	36.0%	34.53%	33.39%	31.73%	51.97%	75.18%
Depreciation & Amortization	$22.31M	$24.84M	$33.54M	$14.00M	$14.50M	$9.700M	$7.700M	$6.600M	$6.500M	$6.000M	$5.300M	$4.500M	$2.600M	$1.500M	$1.400M	$1.300M
YoY Change	-10.18%	-25.95%	139.57%	-3.45%	49.48%	25.97%	16.67%	1.54%	8.33%	13.21%	17.78%	73.08%	73.33%	7.14%	7.69%
% of Gross Profit	3.82%	5.42%	9.52%	3.8%	3.59%	2.45%	2.16%	2.08%	2.38%	2.57%	2.63%	2.57%	1.83%	1.44%	1.57%	3.02%
Operating Expenses	$635.9M	$607.7M	$551.7M	$473.8M	$428.2M	$393.7M	$371.7M	$296.1M	$256.2M	$216.9M	$182.9M	$145.3M	$113.1M	$97.26M	$71.20M	$53.50M	$45.40M
YoY Change	4.65%	10.16%	16.44%	10.65%	8.76%	5.92%	25.52%	15.59%	18.13%	18.58%	25.9%	28.41%	16.31%	36.6%	33.08%	17.84%	25.76%
Operating Profit	-$52.57M	-$149.5M	-$199.4M	-$105.6M	-$23.89M	$1.471M	-$15.62M	$21.86M	$16.44M	$16.49M	$18.42M	$29.74M	$28.93M	$6.871M	$18.00M	-$10.40M	-$17.20M
YoY Change	-64.83%	-25.05%	88.9%	342.03%	-1723.79%	-109.42%	-171.47%	33.0%	-0.34%	-10.47%	-38.05%	2.78%	321.1%	-61.83%	-273.08%	-39.53%	-39.44%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Interest Expense	$36.74M	$17.67M	-$13.17M	$18.71M	$17.95M	$17.33M	$6.442M	$13.00K	$0.00	$2.245M	$1.350M	$498.0K	$308.0K	$156.0K	-$300.0K	-$100.0K	$400.0K
YoY Change	107.89%	-234.2%	-170.38%	4.27%	3.52%	169.08%	49453.85%		-100.0%	66.3%	171.08%	61.69%	97.44%	-152.0%	200.0%	-125.0%	300.0%
% of Operating Profit						1178.38%		0.06%	0.0%	13.61%	7.33%	1.67%	1.06%	2.27%	-1.67%
Other Income/Expense, Net	-$11.01M	-$2.277M	-$17.10M	$12.62M	-$7.205M	-$1.867M	$509.0K	$811.0K	-$505.0K	-$1.998M	$174.0K	-$114.0K	-$726.0K	$1.269M
YoY Change	383.31%	-86.68%	-235.5%	-275.14%	285.91%	-466.8%	-37.24%	-260.59%	-74.72%	-1248.28%	-252.63%	-84.3%	-157.21%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Pretax Income	-$26.84M	-$134.1M	-$229.7M	-$104.3M	-$24.33M	$12.45M	-$8.276M	$28.53M	$20.78M	$16.74M	$19.95M	$30.12M	$28.52M	$8.296M	$17.70M	-$10.60M	-$16.70M
YoY Change	-79.99%	-41.63%	120.28%	328.59%	-295.4%	-250.46%	-129.01%	37.26%	24.15%	-16.07%	-33.78%	5.64%	243.73%	-53.13%	-266.98%	-36.53%	-41.2%
Income Tax	-$20.74M	-$22.24M	-$49.28M	-$37.77M	$2.867M	-$8.280M	$18.47M	$10.45M	$5.806M	$6.855M	$5.225M	$5.465M	$9.852M	-$27.26M	$2.200M	$400.0K	$100.0K
% Of Pretax Income						-66.5%		36.65%	27.94%	40.95%	26.2%	18.14%	34.55%	-328.62%	12.43%
Net Earnings	-$6.103M	-$111.9M	-$180.4M	-$66.51M	-$27.20M	$20.73M	-$26.74M	$18.07M	$14.98M	$9.885M	$14.72M	$24.66M	$18.66M	$35.56M	$15.50M	-$11.00M	-$16.90M
YoY Change	-94.54%	-38.01%	171.3%	144.53%	-231.19%	-177.52%	-247.98%	20.67%	51.5%	-32.85%	-40.3%	32.12%	-47.51%	129.41%	-240.91%	-34.91%	-40.7%
Net Earnings / Revenue	-0.62%	-12.36%	-22.2%	-8.95%	-3.66%	2.88%	-4.1%	3.55%	3.53%	2.6%	4.2%	8.2%	8.04%	20.62%	10.71%	-12.99%	-23.9%
Basic Earnings Per Share	-$0.07	-$1.36	-$2.16	-$0.79	-$0.33	$0.25	-$0.34	$0.24	$0.21	$0.14	$0.22	$0.44	$0.36	$0.83
Diluted Earnings Per Share	-$0.07	-$1.36	-$2.159M	-$0.79	-$0.33	$0.25	-$0.34	$0.24	$0.20	$0.14	$0.21	$0.40	$0.32	$0.76	$317.0K	-$224.9K	-$345.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Cash & Short-Term Investments	$1.004B	$798.7M	$976.2M	$1.119B	$1.134B	$1.124B	$1.067B	$573.2M	$628.2M	$571.6M	$444.3M	$156.7M	$205.7M	$59.60M	$37.40M
YoY Change	25.65%	-18.18%	-12.8%	-1.24%	0.83%	5.35%	86.17%	-8.76%	9.9%	28.65%	183.54%	-23.82%	245.13%	59.36%
Cash & Equivalents	$548.0M	$401.8M	$606.3M	$384.9M	$367.0M	$254.1M	$437.1M	$263.2M	$223.6M	$212.4M	$148.1M	$79.80M	$205.7M	$59.60M	$37.40M
Short-Term Investments	$455.6M	$396.9M	$369.9M	$734.5M	$766.5M	$870.1M	$630.0M	$310.0M	$404.7M	$359.3M	$296.2M	$76.90M
Other Short-Term Assets	$67.60M	$62.13M	$61.22M	$52.73M	$46.00M	$35.50M	$30.50M	$26.60M	$16.60M	$27.90M	$22.20M	$12.50M	$21.30M	$11.40M	$2.200M
YoY Change	8.79%	1.48%	16.11%	14.63%	29.58%	16.39%	14.66%	60.24%	-40.5%	25.68%	77.6%	-41.31%	86.84%	418.18%
Inventory
Prepaid Expenses
Receivables	$224.4M	$238.8M	$215.3M	$183.1M	$163.7M	$175.2M	$124.8M	$79.40M	$62.80M	$62.10M	$49.80M	$40.90M	$32.30M	$23.30M	$16.40M
Other Receivables	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.200M	$500.0K	$1.200M
Total Short-Term Assets	$1.296B	$1.100B	$1.253B	$1.355B	$1.343B	$1.335B	$1.223B	$679.2M	$707.7M	$661.6M	$516.4M	$210.1M	$262.5M	$94.80M	$57.30M
YoY Change	17.82%	-12.22%	-7.57%	0.9%	0.61%	9.2%	79.99%	-4.03%	6.97%	28.12%	145.79%	-19.96%	176.9%	65.45%
Property, Plant & Equipment	$99.16M	$106.9M	$171.0M	$177.5M	$169.0M	$65.80M	$18.60M	$14.40M	$13.00M	$12.20M	$12.60M	$12.90M	$11.90M	$4.500M	$2.800M
YoY Change	-7.22%	-37.51%	-3.65%	5.03%	156.84%	253.76%	29.17%	10.77%	6.56%	-3.17%	-2.33%	8.4%	164.44%	60.71%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$125.9M	$128.8M	$187.5M	$230.7M	$301.9M	$224.2M	$201.7M	$125.3M	$107.6M	$106.1M	$203.4M	$51.00M
YoY Change	-2.25%	-31.32%	-18.73%	-23.58%	34.66%	11.16%	60.97%	16.45%	1.41%	-47.84%	298.82%
Other Assets	$320.3M	$294.8M	$248.2M	$173.4M	$135.3M	$125.2M	$102.2M	$46.80M	$43.70M	$6.800M	$10.10M	$15.70M	$9.900M	$26.40M	$0.00
YoY Change	8.65%	18.79%	43.17%	28.12%	8.07%	22.5%	118.38%	7.09%	542.65%	-32.67%	-35.67%	58.59%	-62.5%
Total Long-Term Assets	$930.8M	$928.3M	$1.014B	$966.6M	$1.022B	$832.0M	$758.9M	$399.7M	$208.5M	$138.3M	$240.8M	$95.60M	$21.70M	$31.70M	$2.800M
YoY Change	0.27%	-8.47%	4.93%	-5.4%	22.8%	9.63%	89.87%	91.7%	50.76%	-42.57%	151.88%	340.55%	-31.55%	1032.14%
Total Assets	$2.226B	$2.028B	$2.267B	$2.322B	$2.365B	$2.167B	$1.981B	$1.079B	$916.2M	$799.9M	$757.2M	$305.7M	$284.2M	$126.5M	$60.10M
YoY Change
Accounts Payable	$15.21M	$34.63M	$40.44M	$27.83M	$22.60M	$34.30M	$30.60M	$13.40M	$9.900M	$8.800M	$7.000M	$6.500M	$9.800M	$4.300M	$3.700M
YoY Change	-56.08%	-14.37%	45.31%	23.14%	-34.11%	12.09%	128.36%	35.35%	12.5%	25.71%	7.69%	-33.67%	127.91%	16.22%
Accrued Expenses	$109.1M	$104.0M	$90.96M	$121.3M	$58.50M	$73.40M	$60.10M	$48.90M	$41.30M	$37.20M	$34.90M	$26.30M	$26.50M	$28.90M	$19.00M
YoY Change	4.91%	14.31%	-25.0%	107.33%	-20.3%	22.13%	22.9%	18.4%	11.02%	6.59%	32.7%	-0.75%	-8.3%	52.11%
Deferred Revenue
YoY Change
Short-Term Debt	$398.9M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due	$398.9M
YoY Change
Total Short-Term Liabilities	$837.6M	$373.3M	$337.5M	$300.3M	$225.2M	$232.3M	$238.2M	$168.4M	$119.1M	$104.4M	$95.40M	$74.80M	$93.20M	$82.30M	$62.60M
YoY Change	124.41%	10.59%	12.39%	33.35%	-3.06%	-2.48%	41.45%	41.39%	14.08%	9.43%	27.54%	-19.74%	13.24%	31.47%
Long-Term Debt	$0.00	$397.2M	$358.2M	$343.8M	$330.2M	$317.3M	$305.1M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-100.0%	10.87%	4.19%	4.13%	4.07%	4.0%
Other Long-Term Liabilities	$45.93M	$57.99M	$119.5M	$132.8M	$152.7M	$43.20M	$24.50M	$22.00M	$13.20M	$6.200M	$11.20M	$9.100M	$7.100M	$26.10M	$22.60M
YoY Change	-20.8%	-51.48%	-10.02%	-13.02%	253.47%	76.33%	11.36%	66.67%	112.9%	-44.64%	23.08%	28.17%	-72.8%	15.49%
Total Long-Term Liabilities	$45.93M	$455.2M	$477.7M	$476.6M	$482.9M	$360.5M	$329.6M	$22.00M	$13.20M	$6.200M	$11.20M	$9.100M	$7.100M	$26.10M	$22.60M
YoY Change	-89.91%	-4.72%	0.23%	-1.3%	33.95%	9.38%	1398.18%	66.67%	112.9%	-44.64%	23.08%	28.17%	-72.8%	15.49%
Total Liabilities	$883.6M	$828.4M	$815.2M	$777.0M	$708.1M	$592.8M	$567.8M	$190.4M	$132.2M	$110.6M	$106.5M	$83.80M	$100.3M	$108.4M	$85.20M
YoY Change	6.66%	1.62%	4.93%	9.72%	19.45%	4.4%	198.21%	44.02%	19.53%	3.85%	27.09%	-16.45%	-7.47%	27.23%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	82.29M shares	82.18M shares	83.57M shares	83.58M shares	82.86M shares	81.45M shares	77.71M shares	73.99M shares	72.03M shares	70.08M shares	65.75M shares	56.33M shares	34.77M shares	14.06M shares
Diluted Shares Outstanding	82.29M shares	82.18M shares	83.57M shares	83.58M shares	82.86M shares	82.68M shares	77.71M shares	75.33M shares	73.77M shares	72.31M shares	69.11M shares	61.57M shares	41.76M shares	17.76M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $17.253 Billion

About Guidewire Software, Inc.

Guidewire Software, Inc. engages in the provision of technology platform, which comprises software, services, and a partner ecosystem, for the global Property and Casualty insurance industry. The company is headquartered in San Mateo, California and currently employs 3,469 full-time employees. The company went IPO on 2011-11-24. The firm's core products include InsuranceSuite Cloud, InsuranceNow, and InsuranceSuite for self-managed installations. These products are transactional systems of record that support the entire insurance lifecycle, including insurance product definition, distribution, underwriting, policyholder services, and claims management. The company also sells digital engagement and analytics products. Its digital engagement products enable digital sales, omnichannel service, and enhanced claims experiences for policyholders, agents, vendor partners, and field personnel. Its InsuranceSuite Cloud is a configurable and scalable product, delivered as a service, and primarily comprised of three core applications (PolicyCenter Cloud, BillingCenter Cloud, and ClaimCenter Cloud) that can be subscribed to separately or together.

Industry: Services-Prepackaged Software Peers: CCC Intelligent Solutions Holdings Inc. Coupa Software Inc Five9, Inc. HashiCorp, Inc. Nutanix, Inc. PAYCOR HCM, INC. Qualtrics International Inc. Salesforce, Inc. SPS COMMERCE INC