What is the 13F Pro Quality Score for GWRE?

13F Pro ranks Guidewire Software, Inc. (GWRE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View GWRE's current score at https://13fpro.ai/company/GWRE (free sign-up required for the full ranking).

Which hedge funds own the most GWRE stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of GWRE include BAMCO /NY/, BlackRock,, Linonia Partnership. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/GWRE as soon as new 13F filings post.

Where does 13F Pro source GWRE data?

All Guidewire Software, Inc. fundamentals and ownership data come directly from SEC EDGAR. Guidewire Software, Inc. files with the SEC under CIK 1528396. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is GWRE in?

Guidewire Software, Inc. (GWRE) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

What drives GWRE's revenue?

Per Guidewire Software, Inc.'s latest 10-K filed with the SEC on 2026-09-11, the biggest revenue drivers are: Subscription and Support ($970.9M, +34% YoY); Services ($269.9M, +23% YoY); License ($234.6M, -7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/GWRE.

What are GWRE's largest expenses?

Guidewire Software, Inc.'s latest 10-K reports these as the largest expense items: Cost of Revenue ($528.0M, +17% YoY); Research and Development ($340.1M, +15% YoY); Sales and Marketing ($258.9M, +12% YoY). Sourced directly from SEC EDGAR filing text for FY2026 (fiscal year ended July 31, 2026).

How often is GWRE research updated on 13F Pro?

GWRE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Guidewire Software, Inc.(GWRE)Stock Analysis

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SEC EDGAR: CIK 1528396 GWRE stock profile & AI dashboard →

13F Pro Quality Score

68.9/100

Rank #297 of 2,961 stocksTOP 25%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

85.1/100

Profitability

74.5/100

Balance Sheet

75.1/100

Earnings Quality

72.3/100

Free Cash Flow

77.3/100

Institutional Flow

46.8/100

Revenue Scale

56.8/100

Dilution Risk

13.1/100

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Why GWRE Scores 67/100

exact factor attribution · 2026-09-11

GWRE's composite is driven by revenue growth and free cash flow, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+6.5 pts

83th pct

▼3

Free cash flow

+4.4 pts

80th pct

▲2

Profitability

+3.0 pts

70th pct

▼5

Earnings quality

+2.9 pts

79th pct

▲6

Capital efficiency

+2.1 pts

71th pct

▼4

Scale

+1.2 pts

58th pct

Earnings growth

+0.0 pts

51th pct

▼7

Institutional flow

-1.0 pts

30th pct

▼17

Shareholder dilution

-1.8 pts

14th pct

▲1

Latest change (2026-09-11): 69 → 67 · ↓ Institutional flow 47→30

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

GWRE Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 68.9/100 on a 32-signal composite quality model, placing it at rank #297 of 2,961 stocks — the top 25% of the AI-ranked universe. GWRE scores in the top quartile across revenue growth (85.1), free cash flow (77.3), balance sheet strength (75.1). Shareholder dilution risk is elevated at 13.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 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 BAMCO, BlackRock, Linonia Partnership, 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 27 and 69 since 2021, currently 67.3 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

What's Driving GWRE's Business? Latest 10-K Breakdown

✓ 28/28 datapoints verified

AI-extracted from Guidewire Software, Inc.'s 10-K filed 2026-09-11 — FY2026 (fiscal year ended July 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Guidewire delivered $1,475.4M in total revenue (+23% YoY) with subscription and support revenue reaching $970.9M (+34% YoY), driven by cloud migrations and new subscription agreements.

Biggest Revenue Drivers

Subscription and Support$970.9M+34% YoY

Cloud transition agreements, new subscription agreements, and renewed subscriptions at fully ramped annual fees.

Services$269.9M+23% YoY

Higher utilization of services employees and new subscription implementation and migration projects.

Biggest Revenue Drivers

Total revenue: $1,475.4M+23% YoY

Subscription and Support$970.9M+34% YoY

Cloud transition agreements, new subscription agreements, and renewed subscriptions at fully ramped annual fees.

Services$269.9M+23% YoY

Higher utilization of services employees and new subscription implementation and migration projects.

License$234.6M-7% YoY

Customers migrating from term licenses to subscription services, partially offset by renewal increases.

Largest Expense Items

Cost of Revenue$528.0M+17% YoY

Increases in cloud infrastructure costs (+$14.6M), personnel costs (+$8.9M), and amortization of intangible assets (+$2.0M).

Research and Development$340.1M+15% YoY

Higher headcount (+139 personnel), web hosting and software subscription costs (+$7.9M), and professional services (+$3.7M).

Sales and Marketing$258.9M+12% YoY

Personnel costs from higher headcount (+$18.9M), travel costs (+$4.9M), and marketing/advertising expenses (+$4.9M).

General and Administrative$198.5M+8% YoY

Higher headcount and stock-based compensation (+$11.2M), bad debt expense (+$1.5M), and facilities costs (+$1.0M).

Margins: Gross margin improved to 64% in FY2026 from 63% in FY2025, driven by subscription and support revenue growing faster than costs. Management expects subscription and support gross margin to continue improving as cloud customers scale, though at slower rates than recent years, while overall margins should benefit from services and subscription improvements offsetting license margin declines.

Watch Items from the Filing

Top ten customers represented 21% of revenue in FY2026 and 20% of total ARR as of July 31, 2026; composition varies annually and these large customers have substantial negotiating leverage.
License revenue declined 7% YoY as customers migrate to cloud-based subscriptions; management expects license gross profit to continue declining as subscription sales represent significant majority of new business.
ARR grew 19% YoY to $1,237M; subscription revenue recognized ratably over contract terms, meaning current period revenue lags order growth, particularly impacting Q4 seasonal orders.
Company incurred $690M in convertible senior notes due November 2029; conversion may require cash payments and could affect liquidity, with conditional conversion feature not currently triggered.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-K on SEC EDGAR →Share on X

Revenue

Q1 2026

$372.5M

Net Income

Q1 2026

$16.5M

Free Cash Flow

Q1 2026

$59.4M

Operating Margin

Q1 2026

8.2%

ROIC

Q1 2026

9.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+22.6% YoY

$1.20BFY 2025

FY22 $812.6MFY23 $905.3MFY24 $980.5MFY25 $1.20B

Operating Income

+178.1% YoY

$41.1MFY 2025

FY22 $-199.4MFY23 $-149.5MFY24 $-52.6MFY25 $41.1M

EPS (Diluted)

+1257.1% YoY

$0.81FY 2025

FY22 $-2.16FY23 $-1.36FY24 $-0.07FY25 $0.81

Total Assets

+22.2% YoY

$2.72BFY 2025

FY22 $2.27BFY23 $2.03BFY24 $2.23BFY25 $2.72B

Total Debt

—FY 2025

FY22 $358.2MFY23 $397.2MFY24 $398.9MFY25 —

Op. Cash Flow

+53.7% YoY

$300.9MFY 2025

FY22 $-37.9MFY23 $38.4MFY24 $195.7MFY25 $300.9M

Free Cash Flow

+55.8% YoY

$295.1MFY 2025

FY22 $-47.5MFY23 $32.6MFY24 $189.4MFY25 $295.1M

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
Free Cash Flow	$295.1M +55.8%	$189.4M +481.4%	$32.6M +168.6%	$-47.5M -151.3%	$92.6M +1.0%	$91.7M

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13F Pro tracks comprehensive data for Guidewire Software, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of GWRE

BAMCO INC /NY/
$1.1B8,994,456 sh
BlackRock, Inc.
$1.1B8,909,665 sh
Linonia Partnership LP
$853.2M6,933,483 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$554.6M4,507,288 sh
VANGUARD CAPITAL MANAGEMENT LLC
$473.2M3,845,465 sh
Darsana Capital Partners LP
$468.1M3,804,000 sh
STATE STREET CORP
$330.0M2,681,587 sh
JPMORGAN CHASE & CO
$272.3M2,249,339 sh
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
$249.6M2,028,908 sh
Route One Investment Company, L.P.
$227.6M1,849,364 sh

Fund	Value	Shares
BAMCO INC /NY/	$1.1B	8,994,456
BlackRock, Inc.	$1.1B	8,909,665
Linonia Partnership LP	$853.2M	6,933,483
VANGUARD PORTFOLIO MANAGEMENT LLC	$554.6M	4,507,288
VANGUARD CAPITAL MANAGEMENT LLC	$473.2M	3,845,465
Darsana Capital Partners LP	$468.1M	3,804,000
STATE STREET CORP	$330.0M	2,681,587
JPMORGAN CHASE & CO	$272.3M	2,249,339
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	$249.6M	2,028,908
Route One Investment Company, L.P.	$227.6M	1,849,364

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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. GWRE is classified as a large company.

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.