Guidewire Software, Inc.(GWRE)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #532 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
GWRE Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Guidewire Software, Inc. (GWRE), a Technology sector company. 13F Pro's AI-powered ranking engine scores GWRE at 66.2/100 on a 32-signal composite quality model, placing it at rank #532 of 2,879 stocks — the top 25% of the AI-ranked universe. GWRE scores in the top quartile across revenue growth (83.3), profitability (79.0). Areas of concern include earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 13.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), Guidewire Software, Inc. reports quarterly revenue of $372.5M, net income of $16.5M, an operating margin of 8.2%. Top institutional holders of GWRE by reported 13-F value include BlackRock,, Linonia Partnership, BAMCO /NY/, based on the most recent SEC filings. GWRE trades on the NYSE exchange and files with the SEC under CIK 1528396. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate GWRE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Guidewire Software, Inc. directly from SEC EDGAR. Guidewire Software, Inc.'s 13F Pro composite quality score has ranged between 8 and 67 since 2021, currently 66.2 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.
Revenue
Q3 2026
$372.5M
Net Income
Q3 2026
$16.5M
Free Cash Flow
Q3 2026
$59.4M
Operating Margin
Q3 2026
8.2%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+22.6% YoYOperating Income
+178.1% YoYEPS (Diluted)
+1257.1% YoYTotal Assets
+22.2% YoYTotal Debt
Op. Cash Flow
+53.7% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.20B +22.6% | $980.5M +8.3% | $905.3M +11.4% | $812.6M +9.3% | $743.3M +0.1% | $742.3M |
| Operating Income | $41.1M +178.1% | $-52.6M +64.8% | $-149.5M +25.0% | $-199.4M -88.9% | $-105.6M -342.0% | $-23.9M |
| EPS (Diluted) | $0.81 +1257.1% | $-0.07 +94.9% | $-1.36 +37.0% | $-2.16 -173.4% | $-0.79 -139.4% | $-0.33 |
| Total Assets | $2.72B +22.2% | $2.23B +9.8% | $2.03B -10.5% | $2.27B -2.4% | $2.32B -1.8% | $2.36B |
| Total Debt | — | $398.9M +0.4% | $397.2M +10.9% | $358.2M +4.2% | $343.8M +4.1% | $330.2M |
| Operating Cash Flow | $300.9M +53.7% | $195.7M +409.8% | $38.4M +201.2% | $-37.9M -134.0% | $111.6M -1.3% | $113.1M |
AI Insight: GWRE Financial Trends
Revenue accelerated to $373M in Q2 2026, but operating cash flow volatility and rising equity suggest reinvestment rather than shareholder returns.
• Revenue grew 27% YoY from Q2 2025 ($294M) to Q2 2026 ($373M); Q3 2025 peaked at $357M.
• Operating income recovered to $31M in Q2 2026 vs. $4M in Q2 2025; Q1 2026 hit $38M.
• Operating cash flow remains erratic: $61M (Q2 2026), $112M (Q1 2026), but -$67M (Q4 2025) and -$62M (Q4 2024).
⚠ Equity increased 16% from $1,269M (Q1 2025) to $1,511M (Q2 2026); leverage rising without visible debt disclosure.
⚠ Q4 seasonal operating cash flow collapse (-$67M) repeated in consecutive years; working capital management risk.
AI Insight: GWRE Ratio Trends
Operating margin and ROIC recovered sharply to 8.2% and 9.3% in Q2 2026, reversing the weakness of late 2024.
• Operating margin expanded from 1.5% in Q2 2025 to 10.7% in Q1 2026, then stabilized at 8.2% in Q2 2026.
• ROIC improved from 1.3% in Q2 2025 to 10.2% in Q1 2026, with TTM ROIC now at 8.9% versus 2.4% in Q3 2024.
• Leverage data sparse; D/E visible only at 0.30 in Q3 2024, insufficient to assess debt trajectory.
⚠ Q4 2024 saw negative operating margin (-1.8%) and negative ROIC (-1.5%)—turnaround momentum must sustain.
⚠ Q2 2026 margins (8.2%) and ROIC (9.3%) remain below Q1 2026 peaks; confirm if trend is stabilizing or softening.
Get alerted when GWRE's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for Guidewire Software, Inc. including:
Top Institutional Holders of GWRE
BlackRock, Inc.
$1.4B9,327,701 shLinonia Partnership LP
$1.1B7,651,130 shBAMCO INC /NY/
$986.7M6,597,453 shVANGUARD PORTFOLIO MANAGEMENT LLC
$687.2M4,594,571 shDarsana Capital Partners LP
$598.2M4,000,000 shVANGUARD CAPITAL MANAGEMENT LLC
$574.8M3,843,061 shMASSACHUSETTS FINANCIAL SERVICES CO /MA/
$452.2M2,995,337 shSTATE STREET CORP
$392.0M2,620,690 shROYAL BANK OF CANADA
$304.6M2,036,729 shRoute One Investment Company, L.P.
$276.6M1,849,364 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $1.4B | 9,327,701 |
| Linonia Partnership LP | $1.1B | 7,651,130 |
| BAMCO INC /NY/ | $986.7M | 6,597,453 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $687.2M | 4,594,571 |
| Darsana Capital Partners LP | $598.2M | 4,000,000 |
| VANGUARD CAPITAL MANAGEMENT LLC | $574.8M | 3,843,061 |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $452.2M | 2,995,337 |
| STATE STREET CORP | $392.0M | 2,620,690 |
| ROYAL BANK OF CANADA | $304.6M | 2,036,729 |
| Route One Investment Company, L.P. | $276.6M | 1,849,364 |
More Technology Companies
View all Technology →Put GWRE on your watchlist
Track score changes the day Guidewire Software, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is GWRE a good stock to buy?
13F Pro's AI-powered analysis of Guidewire Software, Inc. (GWRE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for GWRE are available on the GWRE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own GWRE?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling GWRE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Guidewire Software, Inc.'s investment landscape.