Michael George Rosenbaum, Chief Executive Officer of Guidewire Software (GWRE -3.66%), sold 1,200 shares of common stock on Aug. 31, 2026, according to a recent SEC Form 4 filing.
Transaction summaryMetricValueTransaction value$245,328Shares sold (directly held)1,200Post-transaction shares (directly held)186,576Post-transaction value$38.2 millionTransaction value based on SEC Form 4 weighted average sale price ($204.44); post-transaction value based on Aug. 31, 2026, market close ($204.75).
Key questionsWhat was the mechanism for this sale?
The transaction was conducted automatically via a Rule 10b5-1 trading plan.How does this transaction affect the Chief Executive Officer's total equity position?
Following this sale of 1,200 shares, Rosenbaum maintains a direct ownership stake of roughly 187,000 shares, valued at approximately $38.2 million as of the Aug. 31, 2026, market close.What is the recent performance context for the stock?
As of this writing, the Guidewire stock price has dropped 27.5% thus far in 2026.How does the company's financial profile relate to this activity?
Guidewire Software reported trailing twelve-month revenue of $1.4 billion and net income of $139.2 million as of the latest reporting period, while the Chief Executive Officer also holds derivative securities.Company OverviewMetricValueShare Price (as of market close 2026-08-31)$204.75Market Capitalization$12.1 billionRevenue (TTM)$1.4 billionNet Income (TTM)$139.2 millionCompany SnapshotGuidewire Software provides comprehensive software solutions for the property and casualty insurance industry, with primary offerings including Guidewire InsuranceSuite (incorporating PolicyCenter, BillingCenter, and ClaimCenter) and Guidewire InsuranceNow, a cloud-native platform for integrated policy, billing, and claims administration.The company generates revenue through a combination of subscription-based cloud services, perpetual software licenses, and professional services, enabling insurers to modernize their core operations and digital capabilities.Guidewire serves property and casualty insurers of varying sizes globally, ranging from regional carriers to large multinational insurance enterprises seeking to optimize underwriting, billing, and claims management processes.Guidewire Software is a market-leading provider of mission-critical software platforms serving the global property and casualty insurance sector, with a market capitalization of $12.1 billion and TTM revenues of $1.4 billion. The company maintains a competitive advantage through its specialized domain expertise in insurance operations, a comprehensive, integrated platform architecture, and established customer relationships that account for a substantial share of the industry's premium volume. Guidewire's strategic positioning reflects the industry's ongoing digital transformation and the increasing demand for cloud-native, scalable solutions that address evolving regulatory and operational requirements.
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What this transaction means for investorsThe Guidewire stock price has been struggling over the past 12 months, sinking 43% as of this writing. In comparison, over the same period, the S&P 500 is up 17.2%. Given the stock price drop, shareholders may be concerned that an insider is selling some of their holdings. But after digging into the details of the sale and taking additional context into account, it is indicative of a routine sale. The biggest reason this appears routine rather than a spur-of-the-moment decision is that this recent sale was already part of a trading plan established in October 2025.
In addition, even after the sale, Rosenbaum still holds 186,576 shares, indicating continued alignment with the company's future success. Taken together, that information doesn't suggest shareholders should be worried about a sale. Also, some good news for shareholders is that analysts appear bullish on the Guidewire stock price over the next 12 months. Of the 18 analysts who cover the stock, the median one-year price target is $215, according to CNN. Based on the price as of this writing, $145.26, that $215 price target would represent a 48% gain by September 2027.
Jack Delaney has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
Guidewire Software, Inc. (NYSE:GWRE) had one of the ugliest earnings reactions in software this quarter. The Guidewire stock drop reached as much as 20.8% during the day on Friday, September 5, 2026. Shares hit a low of $157.05 and later settled in the $160-$166 range.
That’s well below Thursday’s closing price of $202.86. As a result, the sell-off wiped out more than $2 billion in market value in a single session.
Yet the company topped Street estimates on both revenue and profit. Instead, investors zeroed in on a soft first-quarter guide. They also spotted early signs that the ARR growth story is cooling. This Guidewire stock drop fits a pattern seen across software earnings this season.
The Numbers Behind The Guidewire Stock DropGuidewire’s fiscal Q4 2026 results were announced on Thursday evening. Overall, they cleared the bar comfortably:
Adjusted EPS of $0.99 vs. the $0.93 consensusRevenue of $411.1 million vs. ~$402.7 million estimate, up 23% year-over-yearARR of $1.242 billion, up 19% year-over-year and above guidanceCloud ARR up 35% year-over-year, now 84% of total ARROperating income of $340 million, up 63% year-over-yearGross ARR attrition below 1.5% company-wideCEO Mike Rosenbaum made an optimistic statement and said that the transition to cloud technologies is proceeding in accordance with expectations. In particular, he noted an increase in margins and cash flow. He also mentioned PricingCenter’s new deal with Nationwide.
So Why Did The Guidewire Stock Drop Happen?The last quarter looked great on paper but investors were already thinking ahead to what comes next for Guidewire, and that’s where we have the worry.
Light Q1 FY27 revenue guide: According to Guidewire’s forecast, revenue in Q1 2027 amounted to 372-378 million dollars. This is ~3.3% lower than analysts’ forecasts. Consequently, this led to an immediate decrease in sales after business hours. ARR growth is decelerating: Full-year FY27 ARR guidance implies growth of ~18%. That’s down from 19% in FY26. According to management, part of this reflects normalizing attrition rates. License revenue headwind: Guidewire flagged a $46 million license revenue decline for FY27. This shows the ongoing shift toward subscription-based cloud contracts. Valuation And Macro PressureTwo more factors made things even worse:
Valuation left no room for error and heading into earnings, GWRE traded above a 120x trailing P/E. Therefore, a "beat and maintain" quarter wasn’t enough as Wall Street wanted "beat and raise". Macro crosswinds added pressure and a strong U.S. jobs report reignited debate over Fed rate policy. This weighed on high-multiple software names broadly, so there was no market cushion left for GWRE’s stumble. Wall Street’s Reaction Was Mixed, Not BearishNotably, analysts didn’t abandon the stock. and most kept bullish ratings. Still, they changed price targets to reflect the reset:
Oppenheimer kept "Outperform" and raised its target to $210 DA Davidson reiterated "Buy" with a $222 target Baird kept "Outperform" with a $235 target Goldman Sachs held "Buy" while cutting its target from $255 to $225 Overall, the Street consensus is a "Moderate Buy." In fact, average targets still imply solid upside from Friday’s price.
So what’s the takeaway? The deceleration looks real, but modest. Meanwhile, over half of next year’s net-new ARR is already under contract and also, record-low attrition suggests the core franchise stays durable.
The Bigger PictureGWRE now trades over 40% below its 52-week high of $272.60. Still, it remains well above its 52-week low of $102.30. The stock has logged nearly 40 moves greater than 5% this past year. Even so, Friday’s drop stands out. Ultimately, this Guidewire stock drop shows that “very good” guidance isn’t good enough for a stock priced for perfection. So is this a healthy reset? Or is it the first crack in an overheated growth story? That’s the question investors now face.
Benzinga Disclaimer: This article is from an unpaid external contributor. It does not represent Benzinga’s reporting and has not been edited for content or accuracy.
Guidewire Software’s NYSE: GWRE post-release stock plunge looks like a knee-jerk reaction that will soon correct.
Guidewire Software Today
GWRE
Guidewire Software
$162.48 +0.06 (+0.04%)
As of 09/4/2026 03:58 PM Eastern
$102.30▼
$272.6099.68
$216.23
The plunge was caused by tepid guidance linked to a strategic shift from legacy licensing models to cloud-based subscription models, which provide lower revenue but better margins. The downside is tepid topline growth, but what is sluggish growth in the face of wider margins other than an opportunity to improve both?
As it stands, the cloud transition underpins a robust outlook, and its near-term drag on revenue is widely seen as fading. The more critical story is what that transition is now producing: accelerating recurring-revenue growth and improving profitability.
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While adjusted net income grew only 300 basis points faster than revenue, it was impacted by increased investment, and operating income grew more substantially. Up 51.4% year over year (YOY), operating income points to ample cash flow and capital-return capacity over time.
Guidewire Outperforms, Issues Cautious GuidanceGuidewire had a solid quarter despite the impacts of its strategy shift. Revenue grew by 15%, outperforming by 200 basis points (bps), driven by a 32% increase in subscriptions and a 10% increase in services. Licensing, the legacy business, contracted 18% and is expected to continue declining in the upcoming quarters. Cloud annual recurring revenue (ARR), the measure of annual subscription-based sales, grew 35% to 84% of total ARR, providing visibility into future results. It suggests the cloud-based revenue growth will accelerate.
Margins were the sweet spot, up in all comparisons, leaving adjusted earnings at 99 cents, up 22% YOY and a nickel ahead of consensus. The only downside was the impact of capital expenditures (CapEx) and investments, which reduced bottom-line strength.
Cash flow is sufficient to sustain the fortress-like balance sheet while returning capital. Capital returns include aggressive share buybacks, which reduced the share count by 3% YOY as of fiscal Q4, and are expected to continue in future quarters.
The headwind today is that Q1 forecasts were below expectations, but a catalyst for share price recovery is already in play. Guidance is likely to be cautious, given the company’s cloud strengths and cues from other AI-enabled cloud-based software providers, collectively reflecting accelerating demand across the software ecosystem. In this scenario, the company could outperform in the next quarter, causing already-strong full-year guidance to be revised upward.
Analysts Respond With Caution, Outlook Remains BullishThe primary takeaway from analysts' responses to the release was caution centered on the tepid revenue outlook. No downgrades were issued, but numerous price targets were reduced, limiting the upside potential but reinforcing the consensus. Consensus, as reported by MarketBeat, is pegged in the low $220s, indicating a 10% upside relative to the pre-release close and closer to 35% following the release. GWRE stock is likely to remain under pressure over the coming months, without a significant catalyst for a rebound until the Q1 results are released.
Technically, GWRE stock is in the midst of a major reversal, and the post-release plunge aligns with that trend. Price action moved to fresh long-term highs earlier this year, breaking above several resistance targets, including a cluster of moving averages that now form a Golden Cross. As of early September, the story is that GWRE’s market has retreated to the pivot point to retest support, and it is likely to hold.
Institutional activity was bullish ahead of the release and is likely to remain so afterward. Although selling capped gains earlier in the year, the group reverted to an accumulative posture in early Q3, helping drive the stock price through its resistance targets. The likely outcome is that this group buys the dip, potentially accelerating accumulation because of the steep discount.
High-Valuation Versus Deep Moat and VisibilityGuidewire’s biggest risk is its valuation. The stock traded at about 50x earnings ahead of the report, setting the stage for execution-related stock price volatility, which the weak guidance triggered. Investors are getting it wrong, however. Near-term headwinds are easing, and the long-term outlook includes improving margins, cash flow, and capital return, driven by the company's ever-deepening moat.
Guidewire is a mission-critical software layer for insurance companies globally, providing the operating systems for over 500 insurers and counting. It is indispensable to their operations and incredibly costly to change, as it affects 100% of their business. A clear sign of strength is the nearly 100% retention rate, signaling that once onboarded, an insurer is a customer for life. Within that, the company has an unseen growth driver tied to insurance inflation; Guidewire's network earns a toll as inflation costs increase and natural disasters drive activity.
Should You Invest $1,000 in Guidewire Software Right Now?Before you consider Guidewire Software, you'll want to hear this.
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Guidewire Software (NYSE:GWRE) closed fiscal 2026 with annual recurring revenue, or ARR, above its guidance range, supported by cloud migrations, low customer attrition and demand for newer artificial intelligence and pricing products.
Chief Executive Officer Mike Rosenbaum said ARR ended the fiscal year at $1.242 billion, up 19% year over year on a constant-currency basis. After a $5 million foreign-exchange adjustment at year-end, ARR was $1.237 billion, Chief Financial Officer Jeff Cooper said. Fully ramped ARR, which reflects the annualized value of customer contracts once fully deployed, rose 22% on a constant-currency basis.
The company reported 26 core deals in the fourth quarter and 62 for the full fiscal year, covering PolicyCenter, ClaimCenter, BillingCenter or InsuranceNow. Guidewire’s cloud ARR grew 35% year over year and represented 84% of total ARR, Cooper said. Nationwide migration and product expansion A key fourth-quarter agreement came from Nationwide, which signed a multiyear deal to move its full InsuranceSuite estate to Guidewire Cloud Platform. Nationwide also selected PricingCenter for personal-lines pricing and rating, becoming Guidewire’s first U.S. tier-one PricingCenter customer, according to the company.
Rosenbaum said the Nationwide relationship, which spans more than a decade, validates Guidewire’s ability to support large insurers in the cloud. He added that the PricingCenter deployment is expected to test the product’s capability and scale for other tier-one insurers.
Guidewire closed eight PricingCenter deals during the fourth quarter and 12 for the full year. Other customers selecting or expanding PricingCenter included Capital Insurance Group, Shelter Insurance and Achmea Farm Insurance in Australia. A longstanding customer in Finland became the company’s first existing InsuranceSuite customer in Europe to adopt the product.
President John Mullen said the pricing market is fragmented, with insurers generally using multiple established rating and pricing tools rather than internally developed systems. He said PricingCenter’s integration with PolicyCenter, Advanced Product Designer and Guidewire’s data platform is intended to help insurers make pricing changes more quickly and accurately.
AI products gain commercial traction Guidewire also highlighted early demand for ProNavigator, an AI-driven assistance product embedded in ClaimCenter and PolicyCenter workflows. The company recorded 14 ProNavigator wins in the fourth quarter and 28 for the full year.
Customers adopting ProNavigator included MAPFRE US, Definity, Alfa Insurance and Hollard in Australia. Mullen said customers are using the product for insurance-domain AI capabilities, claims and adjuster experiences, and as an alternative to internally developed tools.
Rosenbaum said ProNavigator’s early momentum was primarily from cross-selling into Guidewire’s installed base. Over time, he said, the product could differentiate Guidewire’s core systems in new customer opportunities, rather than necessarily serving as a standalone entry point.
The company also said developer assistants are now available to customers and partners, while its Qusar release introduced an agentic platform designed to let insurers build AI agents tailored to their existing Guidewire implementations and workflows. Management emphasized that Guidewire intends to support open architectures and integrations with third-party AI systems, while positioning its core platform as a source of structured insurance data and operational context.
Fiscal 2026 revenue, profits and cash flow For fiscal 2026, Guidewire reported total revenue of $1.475 billion, up 23% year over year. Subscription revenue rose 37% to $916 million, while subscription and support revenue increased 33% to $971 million. License revenue declined 7% to $235 million as customers continued transitioning from term licenses to cloud subscriptions. Services revenue increased 23% to $270 million.
Non-GAAP gross profit rose 25% to $990 million, with an overall gross margin of 67%. Subscription and support gross margin expanded four percentage points to 74.5%. Non-GAAP operating income increased 63% to $340 million. Operating cash flow grew 30% to $390 million. Guidewire ended the period with $1.2 billion in cash equivalents and investments. The company repurchased $606 million of stock during fiscal 2026, representing 4.1 million shares at an average price of $148.41 per share. Rosenbaum also pointed to gross ARR attrition of less than 1.5% across all ARR and less than 1% among core-systems customers.
Cooper said Guidewire had 105 customers with fully ramped ARR above $5 million at fiscal year-end, compared with 86 at the end of fiscal 2025.
Fiscal 2027 outlook For fiscal 2027, Guidewire forecast ARR of $1.45 billion to $1.46 billion, representing 18% constant-currency growth at the midpoint. More than half of the net new ARR included in the outlook is already under contract with defined ramp dates, Cooper said.
The company expects total revenue of $1.707 billion to $1.727 billion, including subscription and support revenue of $1.240 billion to $1.246 billion. Guidewire expects license revenue of about $189 million and services revenue of about $285 million.
Guidewire forecast non-GAAP operating income of $403 million to $423 million, GAAP operating income of $197 million to $217 million, and operating cash flow of $445 million to $465 million. It expects subscription and support gross margin of 75% to 76% and total gross margin of 67% to 68%.
For the first quarter, the company projected ARR of $1.253 billion to $1.259 billion and subscription and support revenue of $279 million to $283 million. Cooper said first-quarter subscription and support margin should be about 77%, aided by roughly $4 million in cloud-infrastructure-provider credits, while services margin is expected to be around break-even due in part to the timing of fixed-fee services engagements.
Cooper also said Chief Accounting Officer David Pedersen plans to retire in early November.
About Guidewire Software (NYSE:GWRE) Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
Guidewire Software (GWRE) is experiencing a significant decline as its Q1 revenue outlook falls below market expectations. While the company reported a strong q
Guidewire Software (NYSE:GWRE) reported upbeat results for the fourth quarter on Thursday.
The company posted quarterly earnings of 99 cents per share which beat the analyst consensus estimate of 94 cents per share. The company reported quarterly sales of $411.100 million which beat the analyst consensus estimate of $402.210 million.
Guidewire Software said it sees FY2027 sales of $1.707 billion-$1.727 billion, versus market estimates of $1.701 billion.
Guidewire Software shares fell 17.7% to $167.00 in pre-market trading.
These analysts made changes to their price targets on Guidewire Software following earnings announcement.
BTIG analyst Allan Verkhovski maintained the stock with a Buy and lowered the price target from $230 to $220. Needham analyst Mayank Tandon reiterated the stock with a Hold rating. Piper Sandler analyst Billy Fitzsimmons maintained the stock with an Overweight rating and maintained a $210 price target. Citizens analyst Aaron Kimson reiterated the stock with a Market Outperform and maintained a $220 price target.. Considering buying GWRE stock? Here’s what analysts think:
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Guidewire Software, Inc. (GWRE) Q4 2026 Earnings Call September 3, 2026 5:00 PM EDT
Company Participants
Alex Hughes - Vice President of Investor Relations
Mike Rosenbaum - CEO & Director
John Mullen - President
Jeffrey Cooper - Chief Financial Officer
Conference Call Participants
Alexei Gogolev - JPMorgan Chase & Co, Research Division
Rishi Jaluria - RBC Capital Markets, Research Division
Joseph Vruwink - Robert W. Baird & Co. Incorporated, Research Division
Dylan Becker - William Blair & Company L.L.C., Research Division
Hoi-Fung Wong - Oppenheimer & Co. Inc., Research Division
J. Lane - Stifel, Nicolaus & Company, Incorporated, Research Division
Allan M. Verkhovski - BTIG, LLC, Research Division
Tamjid Md Moinuddin Chowdhury - Guggenheim Securities, LLC, Research Division
Michael Turrin - Wells Fargo Securities, LLC, Research Division
William Fitzsimmons - Piper Sandler & Co., Research Division
Aaron Kimson - Citizens JMP Securities, LLC, Research Division
Presentation
Operator
Greetings, and welcome to the Guidewire Fourth Quarter Fiscal 2026 Financial Results Conference Call. As a reminder, this call is being recorded and will be posted on our Investor Relations page later today. I would now like to turn the call over to Alex Hughes, Vice President of Investor Relations. Thank you. Alex, you may begin.
Alex Hughes
Vice President of Investor Relations
Thank you, Grace. Hello, everyone. With me today is Mike Rosenbaum, Chief Executive Officer; John Mullen, President; and Jeff Cooper, Chief Financial Officer. Complete disclosure of our results can be found in our press release issued today as well as in our related Form 8-K furnished to the SEC, both of which are available on the Investor Relations section of our website. We have also posted our fourth quarter earnings deck on our IR section of the website. Today's call is being recorded.
A replay will be available following its conclusion. Statements today include forward-looking ones regarding our financial outlook, our cloud and
Guidewire Software (GWRE - Free Report) came out with quarterly earnings of $0.99 per share, beating the Zacks Consensus Estimate of $0.94 per share. This compares to earnings of $0.84 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +5.32%. A quarter ago, it was expected that this provider of software to the insurance industry would post earnings of $0.79 per share when it actually produced earnings of $0.82, delivering a surprise of +3.8%.
Over the last four quarters, the company has surpassed consensus EPS estimates three times.
Guidewire Software, which belongs to the Zacks Internet - Software industry, posted revenues of $411.09 million for the quarter ended July 2026, surpassing the Zacks Consensus Estimate by 2.20%. This compares to year-ago revenues of $356.57 million. The company has topped consensus revenue estimates four times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Guidewire Software shares have lost about 4.1% since the beginning of the year versus the S&P 500's gain of 12%.
What's Next for Guidewire Software?While Guidewire Software has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Guidewire Software was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.83 on $381.97 million in revenues for the coming quarter and $4.07 on $1.68 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Internet - Software is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Oddity Tech (ODD - Free Report) , is yet to report results for the quarter ended June 2026. The results are expected to be released on September 9.
This online retailer of cosmetics and beauty products is expected to post quarterly earnings of $0.12 per share in its upcoming report, which represents a year-over-year change of -87%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Oddity Tech's revenues are expected to be $174.8 million, down 27.5% from the year-ago quarter.
Guidewire Software (GWRE - Free Report) reported $411.09 million in revenue for the quarter ended July 2026, representing a year-over-year increase of 15.3%. EPS of $0.99 for the same period compares to $0.84 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $402.23 million, representing a surprise of +2.2%. The company delivered an EPS surprise of +5.32%, with the consensus EPS estimate being $0.94.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Guidewire Software performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Annual recurring revenue: $1.24 billion versus the five-analyst average estimate of $1.23 billion.Revenue- Subscription and support: $266.74 million versus the six-analyst average estimate of $262.88 million. The reported number represents a year-over-year change of +32.1%.Revenue- License: $77.09 million compared to the $72.9 million average estimate based on six analysts. The reported number represents a change of -17.7% year over year.Revenue- Services: $67.27 million versus the six-analyst average estimate of $66.68 million. The reported number represents a year-over-year change of +10.2%.Gross profit- License: $76.56 million versus the five-analyst average estimate of $72.11 million.Gross profit- Services: $-4.15 million versus the four-analyst average estimate of $2.71 million.Gross profit- Subscription and support: $197.27 million versus $188.56 million estimated by four analysts on average.View all Key Company Metrics for Guidewire Software here>>>
Shares of Guidewire Software have returned +20.2% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Looking Beyond CrowdStrike? 3 AI Security Stocks Stand OutGuidewire Software NYSE: GWRE closed fiscal 2026 with annual recurring revenue, or ARR, above its guidance range, supported by cloud migrations, low customer attrition and demand for newer artificial intelligence and pricing products.
Chief Executive Officer Mike Rosenbaum said ARR ended the fiscal year at $1.242 billion, up 19% year over year on a constant-currency basis. After a $5 million foreign-exchange adjustment at year-end, ARR was $1.237 billion, Chief Financial Officer Jeff Cooper said. Fully ramped ARR, which reflects the annualized value of customer contracts once fully deployed, rose 22% on a constant-currency basis.
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Guidewire’s Buyback Could Be the Clue the Sell-Off Is EndingThe company reported 26 core deals in the fourth quarter and 62 for the full fiscal year, covering PolicyCenter, ClaimCenter, BillingCenter or InsuranceNow. Guidewire’s cloud ARR grew 35% year over year and represented 84% of total ARR, Cooper said.
Nationwide migration and product expansion A key fourth-quarter agreement came from Nationwide, which signed a multiyear deal to move its full InsuranceSuite estate to Guidewire Cloud Platform. Nationwide also selected PricingCenter for personal-lines pricing and rating, becoming Guidewire’s first U.S. tier-one PricingCenter customer, according to the company.
Down 20%+, These 3 Software Stocks Are Boosting BuybacksRosenbaum said the Nationwide relationship, which spans more than a decade, validates Guidewire’s ability to support large insurers in the cloud. He added that the PricingCenter deployment is expected to test the product’s capability and scale for other tier-one insurers.
Guidewire closed eight PricingCenter deals during the fourth quarter and 12 for the full year. Other customers selecting or expanding PricingCenter included Capital Insurance Group, Shelter Insurance and Achmea Farm Insurance in Australia. A longstanding customer in Finland became the company’s first existing InsuranceSuite customer in Europe to adopt the product.
President John Mullen said the pricing market is fragmented, with insurers generally using multiple established rating and pricing tools rather than internally developed systems. He said PricingCenter’s integration with PolicyCenter, Advanced Product Designer and Guidewire’s data platform is intended to help insurers make pricing changes more quickly and accurately.
AI products gain commercial traction Guidewire also highlighted early demand for ProNavigator, an AI-driven assistance product embedded in ClaimCenter and PolicyCenter workflows. The company recorded 14 ProNavigator wins in the fourth quarter and 28 for the full year.
Customers adopting ProNavigator included MAPFRE US, Definity, Alfa Insurance and Hollard in Australia. Mullen said customers are using the product for insurance-domain AI capabilities, claims and adjuster experiences, and as an alternative to internally developed tools.
Rosenbaum said ProNavigator’s early momentum was primarily from cross-selling into Guidewire’s installed base. Over time, he said, the product could differentiate Guidewire’s core systems in new customer opportunities, rather than necessarily serving as a standalone entry point.
The company also said developer assistants are now available to customers and partners, while its Qusar release introduced an agentic platform designed to let insurers build AI agents tailored to their existing Guidewire implementations and workflows. Management emphasized that Guidewire intends to support open architectures and integrations with third-party AI systems, while positioning its core platform as a source of structured insurance data and operational context.
Fiscal 2026 revenue, profits and cash flow For fiscal 2026, Guidewire reported total revenue of $1.475 billion, up 23% year over year. Subscription revenue rose 37% to $916 million, while subscription and support revenue increased 33% to $971 million. License revenue declined 7% to $235 million as customers continued transitioning from term licenses to cloud subscriptions. Services revenue increased 23% to $270 million.
Non-GAAP gross profit rose 25% to $990 million, with an overall gross margin of 67%. Subscription and support gross margin expanded four percentage points to 74.5%. Non-GAAP operating income increased 63% to $340 million. Operating cash flow grew 30% to $390 million. Guidewire ended the period with $1.2 billion in cash equivalents and investments. The company repurchased $606 million of stock during fiscal 2026, representing 4.1 million shares at an average price of $148.41 per share. Rosenbaum also pointed to gross ARR attrition of less than 1.5% across all ARR and less than 1% among core-systems customers.
Cooper said Guidewire had 105 customers with fully ramped ARR above $5 million at fiscal year-end, compared with 86 at the end of fiscal 2025.
Fiscal 2027 outlook For fiscal 2027, Guidewire forecast ARR of $1.45 billion to $1.46 billion, representing 18% constant-currency growth at the midpoint. More than half of the net new ARR included in the outlook is already under contract with defined ramp dates, Cooper said.
The company expects total revenue of $1.707 billion to $1.727 billion, including subscription and support revenue of $1.240 billion to $1.246 billion. Guidewire expects license revenue of about $189 million and services revenue of about $285 million.
Guidewire forecast non-GAAP operating income of $403 million to $423 million, GAAP operating income of $197 million to $217 million, and operating cash flow of $445 million to $465 million. It expects subscription and support gross margin of 75% to 76% and total gross margin of 67% to 68%.
For the first quarter, the company projected ARR of $1.253 billion to $1.259 billion and subscription and support revenue of $279 million to $283 million. Cooper said first-quarter subscription and support margin should be about 77%, aided by roughly $4 million in cloud-infrastructure-provider credits, while services margin is expected to be around break-even due in part to the timing of fixed-fee services engagements.
Cooper also said Chief Accounting Officer David Pedersen plans to retire in early November.
About Guidewire Software (NYSE:GWRE)Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company's offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire's core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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SAN MATEO, Calif.--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) today announced its financial results for the fiscal quarter and year ended July 31, 2026. “We closed a great fourth quarter, capping off an incredible year of expanding demand,” said Mike Rosenbaum, chief executive officer, Guidewire. “Customers are deepening their commitments to Guidewire's core offerings and expanding with new pricing and AI focused products. AI is driving our momentum, as more of our insurance customers choose to al.
The upcoming report from Guidewire Software (GWRE - Free Report) is expected to reveal quarterly earnings of $0.94 per share, indicating an increase of 11.9% compared to the year-ago period. Analysts forecast revenues of $402.23 million, representing an increase of 12.8% year over year.
Over the past 30 days, the consensus EPS estimate for the quarter has been adjusted downward by 0.4% to its current level. This demonstrates the covering analysts' collective reassessment of their initial projections during this period.
Prior to a company's earnings release, it is of utmost importance to factor in any revisions made to the earnings projections. These revisions serve as a critical gauge for predicting potential investor behaviors with respect to the stock. Empirical studies consistently reveal a strong link between trends in earnings estimate revisions and the short-term price performance of a stock.
While investors usually depend on consensus earnings and revenue estimates to assess the business performance for the quarter, delving into analysts' forecasts for certain key metrics often provides a more comprehensive understanding.
With that in mind, let's delve into the average projections of some Guidewire Software metrics that are commonly tracked and projected by analysts on Wall Street.
Analysts expect 'Revenue- Subscription and support' to come in at $262.88 million. The estimate indicates a year-over-year change of +30.2%.
It is projected by analysts that the 'Revenue- License' will reach $72.90 million. The estimate suggests a change of -22.2% year over year.
The consensus among analysts is that 'Revenue- Services' will reach $66.68 million. The estimate indicates a change of +9.2% from the prior-year quarter.
According to the collective judgment of analysts, 'Revenue- Subscription and support- Subscription' should come in at $249.31 million. The estimate indicates a change of +33.7% from the prior-year quarter.
The collective assessment of analysts points to an estimated 'Revenue- Subscription and support- Support' of $13.56 million. The estimate indicates a change of -12.2% from the prior-year quarter.
Analysts forecast 'Annual recurring revenue' to reach $1.23 billion. Compared to the present estimate, the company reported $1.04 billion in the same quarter last year.
The combined assessment of analysts suggests that 'Gross profit- License' will likely reach $72.11 million. Compared to the present estimate, the company reported $92.73 million in the same quarter last year.
The average prediction of analysts places 'Gross profit- Subscription and support' at $188.56 million. The estimate is in contrast to the year-ago figure of $137.32 million.
View all Key Company Metrics for Guidewire Software here>>>
Over the past month, shares of Guidewire Software have returned +35.5% versus the Zacks S&P 500 composite's +3.9% change. Currently, GWRE carries a Zacks Rank #3 (Hold), suggesting that its performance may align with the overall market in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
Bamco Inc. NY purchased a new position in shares of Guidewire Software, Inc. (NYSE:GWRE – Free Report) during the 2nd quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 8,994,456 shares of the technology company’s stock, valued at approximately $1,106,768,000. Guidewire Software makes up approximately 1.7% of Bamco Inc. NY’s portfolio, making the stock its 8th biggest position. Bamco Inc. NY owned 10.80% of Guidewire Software at the end of the most recent quarter.
Other institutional investors and hedge funds have also modified their holdings of the company. Linonia Partnership LP purchased a new stake in Guidewire Software during the second quarter worth $853,165,000. Route One Investment Company L.P. purchased a new stake in shares of Guidewire Software in the 2nd quarter worth about $227,564,000. Geode Capital Management LLC boosted its position in shares of Guidewire Software by 8.9% in the 4th quarter. Geode Capital Management LLC now owns 1,778,201 shares of the technology company’s stock worth $357,504,000 after buying an additional 145,924 shares in the last quarter. Stockbridge Partners LLC grew its stake in Guidewire Software by 39.0% in the 4th quarter. Stockbridge Partners LLC now owns 1,445,206 shares of the technology company’s stock valued at $290,501,000 after acquiring an additional 405,850 shares during the last quarter. Finally, AQR Capital Management LLC grew its stake in Guidewire Software by 3.6% in the 4th quarter. AQR Capital Management LLC now owns 1,316,817 shares of the technology company’s stock valued at $264,693,000 after acquiring an additional 45,289 shares during the last quarter.
Wall Street Analysts Forecast Growth Several analysts have recently commented on GWRE shares. Wells Fargo & Company lowered their price target on shares of Guidewire Software from $210.00 to $190.00 and set an “overweight” rating on the stock in a research report on Friday, June 5th. DA Davidson dropped their price target on Guidewire Software from $246.00 to $222.00 and set a “buy” rating for the company in a research report on Monday, June 8th. Zacks Research cut Guidewire Software from a “strong-buy” rating to a “hold” rating in a report on Monday, May 25th. Stifel Nicolaus reduced their price objective on Guidewire Software from $225.00 to $200.00 and set a “buy” rating on the stock in a research report on Friday, June 5th. Finally, The Goldman Sachs Group reduced their price objective on Guidewire Software from $255.00 to $225.00 and set a “buy” rating on the stock in a research report on Friday, June 5th. One research analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and three have assigned a Hold rating to the stock. Based on data from MarketBeat.com, Guidewire Software has a consensus rating of “Moderate Buy” and a consensus target price of $221.64.
Read Our Latest Stock Analysis on Guidewire Software Insider Activity at Guidewire Software In related news, insider James Winston King sold 1,684 shares of the firm’s stock in a transaction that occurred on Thursday, July 9th. The shares were sold at an average price of $130.64, for a total value of $219,997.76. Following the sale, the insider directly owned 30,018 shares of the company’s stock, valued at approximately $3,921,551.52. This trade represents a 5.31% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, President John P. Mullen sold 14,400 shares of the business’s stock in a transaction that occurred on Wednesday, August 19th. The shares were sold at an average price of $185.00, for a total transaction of $2,664,000.00. Following the completion of the sale, the president owned 116,715 shares of the company’s stock, valued at approximately $21,592,275. The trade was a 10.98% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last quarter, insiders sold 44,593 shares of company stock worth $6,631,278. 0.46% of the stock is owned by insiders.
Guidewire Software Stock Up 1.4% Shares of NYSE GWRE opened at $190.98 on Thursday. The firm has a market cap of $15.90 billion, a P/E ratio of 103.23 and a beta of 0.92. The company has a debt-to-equity ratio of 0.51, a quick ratio of 2.44 and a current ratio of 2.44. Guidewire Software, Inc. has a 1 year low of $102.30 and a 1 year high of $272.60. The firm’s 50 day moving average price is $149.06 and its 200 day moving average price is $143.19.
Guidewire Software (NYSE:GWRE – Get Free Report) last issued its quarterly earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share for the quarter, topping analysts’ consensus estimates of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The company had revenue of $372.54 million for the quarter, compared to analyst estimates of $355.92 million. During the same quarter in the prior year, the company posted $0.88 EPS. The business’s revenue for the quarter was up 26.9% compared to the same quarter last year. As a group, sell-side analysts anticipate that Guidewire Software, Inc. will post 1.83 earnings per share for the current year.
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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Algert Global LLC reduced its holdings in Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 7.6% during the 2nd quarter, according to its most recent filing with the Securities and Exchange Commission. The fund owned 49,693 shares of the technology company’s stock after selling 4,070 shares during the period. Algert Global LLC owned 0.06% of Guidewire Software worth $6,115,000 at the end of the most recent reporting period.
A number of other large investors also recently modified their holdings of GWRE. Advisors Asset Management Inc. acquired a new position in Guidewire Software during the first quarter worth approximately $25,000. Measured Wealth Private Client Group LLC bought a new stake in Guidewire Software in the 3rd quarter valued at $29,000. Silvant Capital Management LLC bought a new position in Guidewire Software during the second quarter worth $33,000. Leonteq Securities AG bought a new position in Guidewire Software during the first quarter worth $36,000. Finally, Bogart Wealth LLC increased its holdings in shares of Guidewire Software by 127.8% in the first quarter. Bogart Wealth LLC now owns 246 shares of the technology company’s stock valued at $37,000 after purchasing an additional 138 shares during the last quarter.
Wall Street Analyst Weigh In Several analysts have weighed in on GWRE shares. Zacks Research cut shares of Guidewire Software from a “strong-buy” rating to a “hold” rating in a research note on Monday, May 25th. DA Davidson lowered their target price on shares of Guidewire Software from $246.00 to $222.00 and set a “buy” rating on the stock in a report on Monday, June 8th. Piper Sandler assumed coverage on Guidewire Software in a research report on Monday, August 10th. They set an “overweight” rating and a $210.00 price target on the stock. Royal Bank Of Canada dropped their price objective on Guidewire Software from $250.00 to $215.00 and set an “outperform” rating for the company in a report on Friday, June 5th. Finally, The Goldman Sachs Group reduced their target price on Guidewire Software from $255.00 to $225.00 and set a “buy” rating on the stock in a report on Friday, June 5th. One investment analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and three have issued a Hold rating to the stock. According to data from MarketBeat.com, the stock has a consensus rating of “Moderate Buy” and a consensus price target of $221.64.
View Our Latest Analysis on GWRE Insiders Place Their Bets In related news, insider James Winston King sold 1,684 shares of the business’s stock in a transaction dated Thursday, July 9th. The stock was sold at an average price of $130.64, for a total transaction of $219,997.76. Following the completion of the transaction, the insider directly owned 30,018 shares in the company, valued at $3,921,551.52. The trade was a 5.31% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CEO Michael George Rosenbaum sold 1,200 shares of the firm’s stock in a transaction dated Monday, August 24th. The shares were sold at an average price of $187.82, for a total value of $225,384.00. Following the sale, the chief executive officer owned 187,776 shares in the company, valued at $35,268,088.32. The trade was a 0.64% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders have sold a total of 44,593 shares of company stock worth $6,631,278 over the last 90 days. Corporate insiders own 0.46% of the company’s stock.
Guidewire Software Trading Up 1.4% GWRE opened at $190.98 on Thursday. Guidewire Software, Inc. has a twelve month low of $102.30 and a twelve month high of $272.60. The company has a fifty day moving average of $149.06 and a 200-day moving average of $143.19. The stock has a market cap of $15.90 billion, a PE ratio of 103.23 and a beta of 0.92. The company has a quick ratio of 2.44, a current ratio of 2.44 and a debt-to-equity ratio of 0.51.
Guidewire Software (NYSE:GWRE – Get Free Report) last posted its quarterly earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share for the quarter, topping analysts’ consensus estimates of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The business had revenue of $372.54 million for the quarter, compared to the consensus estimate of $355.92 million. During the same period in the prior year, the business earned $0.88 EPS. The firm’s revenue for the quarter was up 26.9% on a year-over-year basis. On average, sell-side analysts predict that Guidewire Software, Inc. will post 1.83 EPS for the current year.
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
Featured Articles Five stocks we like better than Guidewire Software Williams-Sonoma’s Quarter Gave Bulls More Than Just a Beat-and-Raise Alcoa’s Gallium Project Opens a New Door Beyond Aluminum Oura’s $16 Billion IPO Could Put a New Price on Wearable Tech Can Tesla’s Flying Roadster Distract From Its Real Risks?
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The market expects Guidewire Software (GWRE - Free Report) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended July 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on September 3. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis provider of software to the insurance industry is expected to post quarterly earnings of $0.94 per share in its upcoming report, which represents a year-over-year change of +11.9%.
Revenues are expected to be $402.23 million, up 12.8% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.39% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Guidewire Software?For Guidewire Software, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -1.98%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Guidewire Software will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Guidewire Software would post earnings of $0.79 per share when it actually produced earnings of $0.82, delivering a surprise of +3.80%.
Over the last four quarters, the company has beaten consensus EPS estimates three times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Guidewire Software doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Michael George Rosenbaum, Chief Executive Officer, sold 1,200 shares of Guidewire Software (GWRE +1.43%) on Aug. 17, 2026, according to a recent SEC Form 4 filing.
Transaction summaryMetricValueShares sold1,200Transaction value$207,456Post-transaction shares (directly held)188,976Post-transaction value$32.5 millionTransaction value based on SEC Form 4 weighted average sale price ($172.88); post-transaction value based on Aug. 17, 2026, market close ($171.99).
Key questionsWhat was the regulatory context of this transaction?
The sale was conducted under a Rule 10b5-1 plan, which allows insiders to set up a pre-determined schedule for selling stock to avoid concerns regarding material non-public information.What is the scale of the remaining equity stake?
Following the sale, Rosenbaum continues to hold roughly 189,000 shares directly, which are valued at $32.5 million as of the Aug. 17, 2026, market close.How has the stock performed?
As of the transaction date, the company has experienced a 9.2% one-year decline while maintaining a market capitalization of $15.9 billion.What are the fundamental characteristics of the company?
Guidewire Software, a provider of software solutions for the property and casualty insurance industry, generated $1.4 billion in revenue and $159.8 million in net income over the trailing 12-month period.Company OverviewMetricValueShare Price (as of market close 2026-08-14)$175.59Market Capitalization$15.9 billionRevenue (TTM)$1.4 billionNet Income (TTM)$159.8 millionCompany SnapshotGuidewire Software delivers comprehensive cloud-based and on-premise software solutions for the property and casualty insurance industry, with primary revenue generated through its Guidewire InsuranceSuite platform and cloud-native InsuranceNow offering.The company operates a software-as-a-service and perpetual licensing business model, generating recurring revenue through subscription arrangements, maintenance contracts, and professional services for implementation and customization of its core applications, including PolicyCenter, BillingCenter, and ClaimCenter.Guidewire serves mid-market and enterprise property and casualty insurers globally, including carriers that manage personal lines, commercial lines, and specialty insurance products and seek integrated policy administration, billing, and claims management capabilities.Guidewire Software is a leading enterprise software provider to the global property and casualty insurance market, with a market capitalization of $15.9 billion and TTM revenues of $1.4 billion. The company maintains a competitive position through its comprehensive, integrated platform architecture that spans the full insurance lifecycle, complemented by a growing cloud-native offering for insurers seeking modern, scalable infrastructure. Guidewire benefits from high switching costs, recurring revenue streams, and sustained demand for digital transformation within the insurance sector.
Today's Change
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1.43
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2.70
Current Price
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191.89
What this transaction means for investorsOver the last year, Guidewire's stock price has underperformed the S&P 500, dropping 9.2% while the S&P 500 is up 18.8%. Like other technology and software stocks, Guidewire's stock price may have had some of its drop attributed to anxiety over artificial intelligence (AI). In particular, the markets have worried about the role of software stocks as AI becomes more advanced and can replicate some of the features of traditional software companies. While it is lower than it has been in recent quarters, Guidewire also still has what some may consider a forward price-to-earnings ratio that's a little bit on the higher end at 45.2.
For this transaction, however, it wouldn't indicate an issue with the company. The sale was already in place under a trading plan in 2025, and only 1,200 shares were sold. Rosenbaum still directly holds nearly 189,000 shares, which can be interpreted as a belief in the company. Analysts are typically bullish on the stock, with 89% of 18 analysts tracked by CNN assigning a buy rating. That said, the median one-year price target of $202 reflects reserved expectations, as at today's price, it would be only a 5.2% gain.
Jack Delaney has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
Barbara Oil Co. bought a new position in shares of Guidewire Software, Inc. (NYSE:GWRE – Free Report) during the 2nd quarter, according to the company in its most recent filing with the Securities & Exchange Commission. The institutional investor bought 10,500 shares of the technology company’s stock, valued at approximately $1,368,000.
Other large investors have also recently bought and sold shares of the company. Comerica Bank increased its holdings in shares of Guidewire Software by 52.0% during the 4th quarter. Comerica Bank now owns 78,659 shares of the technology company’s stock worth $15,811,000 after acquiring an additional 26,912 shares during the last quarter. Principal Financial Group Inc. lifted its holdings in Guidewire Software by 547.3% during the 1st quarter. Principal Financial Group Inc. now owns 1,180,334 shares of the technology company’s stock valued at $176,537,000 after purchasing an additional 997,992 shares during the last quarter. Stephens Investment Management Group LLC boosted its position in Guidewire Software by 3.0% during the first quarter. Stephens Investment Management Group LLC now owns 524,818 shares of the technology company’s stock worth $78,492,000 after purchasing an additional 15,260 shares during the period. Geode Capital Management LLC boosted its position in Guidewire Software by 8.9% during the fourth quarter. Geode Capital Management LLC now owns 1,778,201 shares of the technology company’s stock worth $357,504,000 after purchasing an additional 145,924 shares during the period. Finally, Los Angeles Capital Management LLC increased its holdings in shares of Guidewire Software by 6.2% in the fourth quarter. Los Angeles Capital Management LLC now owns 128,447 shares of the technology company’s stock valued at $25,819,000 after purchasing an additional 7,459 shares during the last quarter.
Guidewire Software Stock Performance GWRE stock opened at $189.19 on Monday. The company has a debt-to-equity ratio of 0.51, a quick ratio of 2.44 and a current ratio of 2.44. The company’s 50-day simple moving average is $144.61 and its 200 day simple moving average is $141.89. Guidewire Software, Inc. has a 52 week low of $102.30 and a 52 week high of $272.60. The company has a market capitalization of $15.75 billion, a PE ratio of 102.26 and a beta of 0.92.
Guidewire Software (NYSE:GWRE – Get Free Report) last issued its quarterly earnings data on Thursday, June 4th. The technology company reported $0.82 earnings per share for the quarter, topping the consensus estimate of $0.74 by $0.08. The business had revenue of $372.54 million during the quarter, compared to analysts’ expectations of $355.92 million. Guidewire Software had a net margin of 11.25% and a return on equity of 12.62%. The business’s revenue was up 26.9% on a year-over-year basis. During the same quarter in the previous year, the company earned $0.88 EPS. As a group, sell-side analysts anticipate that Guidewire Software, Inc. will post 1.83 earnings per share for the current year. Insider Buying and Selling at Guidewire Software In other Guidewire Software news, CFO Jeffrey Elliott Cooper sold 2,594 shares of the firm’s stock in a transaction on Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total transaction of $308,011.56. Following the transaction, the chief financial officer owned 63,467 shares in the company, valued at $7,536,071.58. This trade represents a 3.93% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, President John P. Mullen sold 14,400 shares of the firm’s stock in a transaction on Wednesday, August 19th. The stock was sold at an average price of $185.00, for a total value of $2,664,000.00. Following the transaction, the president owned 116,715 shares in the company, valued at approximately $21,592,275. This trade represents a 10.98% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 44,593 shares of company stock valued at $6,572,106 over the last ninety days. Company insiders own 0.46% of the company’s stock.
Analysts Set New Price Targets Several brokerages have recently weighed in on GWRE. Oppenheimer increased their price objective on shares of Guidewire Software from $180.00 to $200.00 and gave the company an “outperform” rating in a research report on Monday, August 17th. Citizens Jmp lowered their price target on shares of Guidewire Software from $300.00 to $220.00 and set a “market outperform” rating on the stock in a report on Friday, June 5th. Guggenheim assumed coverage on shares of Guidewire Software in a research report on Thursday, July 23rd. They set a “buy” rating and a $180.00 price objective for the company. The Goldman Sachs Group cut their price objective on shares of Guidewire Software from $255.00 to $225.00 and set a “buy” rating for the company in a research report on Friday, June 5th. Finally, Wells Fargo & Company reduced their price objective on Guidewire Software from $210.00 to $190.00 and set an “overweight” rating for the company in a report on Friday, June 5th. One equities research analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and three have given a Hold rating to the company. According to data from MarketBeat, the company has a consensus rating of “Moderate Buy” and an average target price of $221.64.
Check Out Our Latest Report on GWRE
Guidewire Software Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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, /PRNewswire/ -- Guidewire (NYSE: GWRE) announced that it will release its financial results for the fiscal quarter and year-end periods ended July 31, 2026 after market close on Thursday, September 3, 2026. On that day, management will host an audio webcast at 2:00 p.m. PT (5:00 p.m. ET) to review and discuss the Company's results for the fourth quarter and fiscal year 2026. The live audio webcast will be accessible to the public through the Investor Relations website at https://ir.guidewire.com/. A replay of the webcast will be available two hours after the conclusion of the live event and archived for a period of three months.
Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. More than 570 insurers in 43 countries, from new ventures to the largest and most complex in the world, rely on Guidewire products. With core systems leveraging data and analytics, digital, and artificial intelligence, Guidewire defines cloud platform excellence for P&C insurers.
We are proud of our unparalleled implementation record, with 1,700+ successful projects supported by the industry's largest R&D team and SI partner ecosystem. Our marketplace represents the largest partner community in P&C, where customers can access hundreds of applications to accelerate integration, localization, and innovation.
For more information, please visit www.guidewire.com and follow us on X and LinkedIn.
NOTE: For information about Guidewire's trademarks, visit https://www.guidewire.com/legal-notices.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our analyst ratings page.
Piper Sandler analyst Billy Fitzsimmons initiated coverage on Guidewire Software Inc (NYSE:GWRE) with an Overweight rating and announced a price target of $210. Guidewire closed at $170.53 on Friday. See how other analysts view this stock. JP Morgan analyst Robbie Marcus initiated coverage on Kestra Medical Technologies Ltd (NASDAQ:KMTS) with an Overweight rating and announced a price target of $30. Kestra Medical shares closed at $26.40 on Friday. See how other analysts view this stock. Morgan Stanley analyst Cameron McVeigh initiates coverage on Csquare Inc (NYSE:CSQR) with an Overweight rating and announced a price target of $26. Csquare closed at $21.52 on Friday. See how other analysts view this stock. Stifel analyst Stephen Gengaro initiated coverage on Standard Nuclear Inc (NYSE:STDN) with a Buy rating and announced a price target of $16. Standard Nuclear shares closed at $8.44 on Friday. See how other analysts view this stock. B of A Securities analyst Michael Funk initiated coverage on Csquare Inc (NYSE:CSQR) with a Buy rating and announced a price target of $46. Csquare closed at $21.52 on Friday. See how other analysts view this stock. Considering buying GWRE stock? Here’s what analysts think:
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Empowered Funds LLC raised its position in shares of Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 239.1% in the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 7,538 shares of the technology company’s stock after buying an additional 5,315 shares during the quarter. Empowered Funds LLC’s holdings in Guidewire Software were worth $1,127,000 at the end of the most recent quarter.
Several other hedge funds and other institutional investors also recently made changes to their positions in GWRE. Capital World Investors acquired a new position in Guidewire Software in the 4th quarter worth approximately $202,405,000. Principal Financial Group Inc. raised its stake in Guidewire Software by 547.3% during the 1st quarter. Principal Financial Group Inc. now owns 1,180,334 shares of the technology company’s stock valued at $176,537,000 after purchasing an additional 997,992 shares during the period. Alliancebernstein L.P. raised its stake in Guidewire Software by 405.1% during the 2nd quarter. Alliancebernstein L.P. now owns 538,303 shares of the technology company’s stock valued at $126,743,000 after purchasing an additional 431,725 shares during the period. Stockbridge Partners LLC lifted its holdings in shares of Guidewire Software by 39.0% in the fourth quarter. Stockbridge Partners LLC now owns 1,445,206 shares of the technology company’s stock valued at $290,501,000 after purchasing an additional 405,850 shares in the last quarter. Finally, Assenagon Asset Management S.A. boosted its position in shares of Guidewire Software by 179.0% in the first quarter. Assenagon Asset Management S.A. now owns 628,759 shares of the technology company’s stock worth $94,037,000 after buying an additional 403,370 shares during the period.
Insider Buying and Selling In related news, CEO Michael George Rosenbaum sold 1,200 shares of the company’s stock in a transaction on Monday, August 3rd. The shares were sold at an average price of $155.92, for a total value of $187,104.00. Following the completion of the sale, the chief executive officer directly owned 191,376 shares in the company, valued at approximately $29,839,345.92. This represents a 0.62% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider James Winston King sold 1,684 shares of the business’s stock in a transaction dated Thursday, July 9th. The stock was sold at an average price of $130.64, for a total value of $219,997.76. Following the completion of the sale, the insider directly owned 30,018 shares of the company’s stock, valued at $3,921,551.52. This represents a 5.31% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders sold 30,193 shares of company stock valued at $3,814,734. 0.46% of the stock is owned by company insiders.
Guidewire Software Stock Performance Shares of NYSE GWRE opened at $171.04 on Friday. The company has a debt-to-equity ratio of 0.51, a current ratio of 2.44 and a quick ratio of 2.44. Guidewire Software, Inc. has a one year low of $102.30 and a one year high of $272.60. The business’s 50-day moving average price is $136.70 and its two-hundred day moving average price is $140.33. The company has a market capitalization of $14.24 billion, a P/E ratio of 92.45 and a beta of 0.92.
Guidewire Software (NYSE:GWRE – Get Free Report) last posted its quarterly earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share for the quarter, topping analysts’ consensus estimates of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The company had revenue of $372.54 million during the quarter, compared to the consensus estimate of $355.92 million. During the same period last year, the business earned $0.88 EPS. The business’s quarterly revenue was up 26.9% on a year-over-year basis. Analysts anticipate that Guidewire Software, Inc. will post 1.83 earnings per share for the current fiscal year.
Analysts Set New Price Targets Several equities research analysts recently issued reports on the company. Guggenheim began coverage on Guidewire Software in a research note on Thursday, July 23rd. They issued a “buy” rating and a $180.00 price objective for the company. Wells Fargo & Company dropped their target price on Guidewire Software from $210.00 to $190.00 and set an “overweight” rating on the stock in a report on Friday, June 5th. Oppenheimer reduced their price target on shares of Guidewire Software from $250.00 to $180.00 and set an “outperform” rating for the company in a research report on Monday, May 18th. Royal Bank Of Canada decreased their price target on shares of Guidewire Software from $250.00 to $215.00 and set an “outperform” rating for the company in a report on Friday, June 5th. Finally, BTIG Research reiterated a “buy” rating and issued a $175.00 price objective on shares of Guidewire Software in a research note on Thursday, July 2nd. One research analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating and three have assigned a Hold rating to the stock. According to data from MarketBeat.com, Guidewire Software currently has a consensus rating of “Moderate Buy” and a consensus price target of $221.00.
Get Our Latest Report on Guidewire Software
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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First Trust Advisors LP decreased its stake in Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 49.6% during the first quarter, according to its most recent disclosure with the Securities & Exchange Commission. The fund owned 40,830 shares of the technology company’s stock after selling 40,207 shares during the quarter. First Trust Advisors LP’s holdings in Guidewire Software were worth $6,107,000 as of its most recent SEC filing.
Other hedge funds and other institutional investors have also recently bought and sold shares of the company. Capital World Investors acquired a new position in Guidewire Software in the fourth quarter valued at approximately $202,405,000. Principal Financial Group Inc. boosted its position in Guidewire Software by 547.3% in the 1st quarter. Principal Financial Group Inc. now owns 1,180,334 shares of the technology company’s stock worth $176,537,000 after purchasing an additional 997,992 shares in the last quarter. Alliancebernstein L.P. grew its stake in shares of Guidewire Software by 405.1% during the 2nd quarter. Alliancebernstein L.P. now owns 538,303 shares of the technology company’s stock worth $126,743,000 after purchasing an additional 431,725 shares during the period. Stockbridge Partners LLC grew its stake in shares of Guidewire Software by 39.0% during the 4th quarter. Stockbridge Partners LLC now owns 1,445,206 shares of the technology company’s stock worth $290,501,000 after purchasing an additional 405,850 shares during the period. Finally, Assenagon Asset Management S.A. increased its holdings in shares of Guidewire Software by 179.0% during the 1st quarter. Assenagon Asset Management S.A. now owns 628,759 shares of the technology company’s stock valued at $94,037,000 after purchasing an additional 403,370 shares in the last quarter.
Insider Buying and Selling at Guidewire Software In related news, CFO Jeffrey Elliott Cooper sold 2,594 shares of the business’s stock in a transaction dated Tuesday, June 16th. The shares were sold at an average price of $118.74, for a total transaction of $308,011.56. Following the transaction, the chief financial officer directly owned 63,467 shares in the company, valued at approximately $7,536,071.58. The trade was a 3.93% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, President John P. Mullen sold 4,292 shares of the company’s stock in a transaction dated Tuesday, June 16th. The shares were sold at an average price of $118.74, for a total transaction of $509,632.08. Following the sale, the president directly owned 131,115 shares of the company’s stock, valued at approximately $15,568,595.10. This represents a 3.17% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The sale was made to cover tax withholding obligations related to the vesting of equity awards. In the last three months, insiders sold 28,993 shares of company stock valued at $3,627,630. Corporate insiders own 0.46% of the company’s stock.
Guidewire Software Stock Up 0.1% NYSE GWRE opened at $152.06 on Monday. The business has a fifty day moving average price of $134.64 and a 200 day moving average price of $140.38. The company has a debt-to-equity ratio of 0.51, a quick ratio of 2.44 and a current ratio of 2.44. The company has a market cap of $12.66 billion, a P/E ratio of 82.20 and a beta of 0.92. Guidewire Software, Inc. has a one year low of $102.30 and a one year high of $272.60.
Guidewire Software (NYSE:GWRE – Get Free Report) last announced its earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.74 by $0.08. Guidewire Software had a net margin of 11.25% and a return on equity of 12.62%. The company had revenue of $372.54 million for the quarter, compared to analysts’ expectations of $355.92 million. During the same quarter in the previous year, the company posted $0.88 EPS. The firm’s quarterly revenue was up 26.9% on a year-over-year basis. Research analysts anticipate that Guidewire Software, Inc. will post 1.83 EPS for the current fiscal year.
Analyst Upgrades and Downgrades Several equities analysts recently issued reports on GWRE shares. The Goldman Sachs Group decreased their target price on shares of Guidewire Software from $255.00 to $225.00 and set a “buy” rating for the company in a research note on Friday, June 5th. Zacks Research downgraded shares of Guidewire Software from a “strong-buy” rating to a “hold” rating in a research report on Monday, May 25th. BTIG Research reissued a “buy” rating and set a $175.00 target price on shares of Guidewire Software in a research note on Thursday, July 2nd. JPMorgan Chase & Co. dropped their target price on Guidewire Software from $300.00 to $258.00 and set an “overweight” rating on the stock in a research report on Tuesday, July 14th. Finally, DA Davidson cut their price target on Guidewire Software from $246.00 to $222.00 and set a “buy” rating for the company in a research note on Monday, June 8th. One investment analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating and three have assigned a Hold rating to the company’s stock. According to data from MarketBeat, Guidewire Software currently has an average rating of “Moderate Buy” and an average price target of $221.00.
Get Our Latest Stock Analysis on Guidewire Software
About Guidewire Software (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
Read More Five stocks we like better than Guidewire Software 3 Fixed-Income ETFs Show Why Yield Is Only Part of the Income Story AbbVie Quietly Solved Its Biggest Problem—Now What? Rio Tinto’s Results Make the Case for Looking Beyond Tech in the AI Trade Strategy’s Structural Strength: Hidden in a $8 Billion Illusion Want to see what other hedge funds are holding GWRE? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Guidewire Software, Inc. (NYSE:GWRE – Free Report).
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Qusar includes Guidewire-built claims and underwriting agents, plus Developer Assistants that help developers ship features more than 40% faster than with generic coding assistants
, /PRNewswire/ -- Guidewire (NYSE: GWRE) today launched the Agentic Framework in its new Qusar release, enabling insurers to build, deploy, and manage AI agents on Guidewire Cloud Platform. The framework delivers value grounded in Guidewire's deep insurance context across the functions that matter most to the business throughout the insurance lifecycle. Paired with new capabilities across Guidewire's application portfolio, the Agentic Framework empowers carriers to protect indemnity margins, and elevate underwriting decisions, giving them the operational speed and precision to compete with confidence.
Qusar introduces the Agentic Framework, along with Guidewire-built Claims and Underwriting Agents and Developer Assistants purpose-built for Guidewire developers. The Agentic Framework enables insurance carriers to choose the right AI model for each task and provides AI agents with secure, real-time access to policy, claims, and billing data and workflows. This allows complex, multi-step processes to run automatically, so decisions that once took days can happen in minutes.
"Insurers are increasingly recognizing that AI value comes from deep integration with core business processes, not from isolated experimentation," said Karlyn Carnahan, Executive Partner, Celent. "Agentic Framework addresses this directly by letting insurers deploy AI within their existing systems and workflows while maintaining operational control and compliance."
Qusar also introduces Guidewire-developed agents designed for specific insurance workflows.
Claim Summarization for ProNavigator**: Provides adjusters claim summaries, allowing them to focus on complex resolutions instead of manual note review Policy Change for ProNavigator*: Serves as an embedded assistant that helps underwriters and customer service representatives complete policy changes faster, leading to quicker turnaround and improved quote-to-bind ratios Agentic First Notice of Loss (FNOL)**: Guides claimants through the first notice of loss using conversational AI voice, capturing key claim details to improve the customer experience "Guidewire AI innovations are helping us transform how we support our teams and serve our members," said Garrett Anderson, Chief Information Officer, Automobile Club of Southern California. "By using AI to summarize claims and streamline key insurance workflows, we're improving efficiency, helping our adjusters focus on higher-value work, and creating a stronger foundation for future innovation."
Qusar also introduces Guidewire Developer and Builder Assistants that understand the Guidewire code base, programming languages, design patterns, and configurations. For application development, Developer Assistants streamline work across Gosu (Java-compatible Guidewire programming language), Integrations, Jutro (Guidewire digital platform), and Functions (serverless extensions)*. For data and product work, Data Curation Assistant for Data Studio* converts plain language into precise SQL, while Product Design Assistant for Advanced Product Designer (APD)* helps automate insurance product configuration.
"By building the Agentic Framework directly into Guidewire Cloud Platform, we are giving developers and AI builders the tools to engineer and safely deploy insurance-aware AI agents into their daily operations," said Diego Devalle, Chief Product Development Officer, Guidewire. "Additionally, Developer Assistants help teams deliver solutions more than 40% faster than generic coding assistants*** by combining AI capabilities with the deep contextual knowledge embodied in our platform. Our customers and partners are already seeing the tangible benefits, using these tools to quickly build and deploy AI agents that support both developers and business users."
For more detailed information, please visit the Qusar webpage and the Qusar release blog.
Certain release features may not be available in all regions.
*
Indicates product feature is available for Early Access customers only.
**
Indicates product feature is available for Restricted Availability customers only.
***
Based on Guidewire internal productivity benchmarks comparing Guidewire Developer Assistants to generic coding assistants across standard configuration tasks.
About Guidewire
Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. More than 570 insurers in 43 countries, from new ventures to the largest and most complex in the world, rely on Guidewire products. With core systems leveraging data and analytics, digital, and artificial intelligence, Guidewire defines cloud platform excellence for P&C insurers.
We are proud of our unparalleled implementation record, with 1,700+ successful projects supported by the industry's largest R&D team and SI partner ecosystem. Our marketplace represents the largest partner community in P&C, where customers can access hundreds of applications to accelerate integration, localization, and innovation.
For more information, please visit www.guidewire.com and follow us on X and LinkedIn.
MEDIA CONTACT: Melissa Cobb, Director, Public Relations Guidewire Software, Inc. +1.650.464.1177, [email protected]
NOTE: For information about Guidewire trademarks, visit www.guidewire.com/legal-notices.
Cautionary Language Concerning Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, including but not limited to, statements regarding the general availability of features, programs, services, and tools related to Qusar mentioned in this press release (including, without limitation, Agentic Framework, Developer Assistants, and Agentic FNOL). These forward-looking statements are made as of the date they were first issued and were based on current expectations, estimates, forecasts and projections as well as the beliefs and assumptions of management. Words such as expect, anticipate, should, believe, hope, target, project, goals, estimate, potential, predict, may, will, might, could, intend, variations of these terms or the negative of these terms and similar expressions are intended to identify these forward-looking statements. Forward-looking statements are subject to a number of risks and uncertainties, many of which involve factors or circumstances that are beyond Guidewire's control. Guidewire's actual results could differ materially from those stated or implied in forward-looking statements due to a number of factors, including but not limited to, risks detailed in Guidewire's most recent Forms 10-K and 10-Q filed with the Securities and Exchange Commission as well as other documents that may be filed by Guidewire from time to time with the Securities and Exchange Commission. In particular, the following factors, among others, could cause results to differ materially from those expressed or implied by such forward-looking statements: quarterly and annual operating results may fluctuate more than expected; seasonal and other variations related to our customer agreements and related revenue recognition may cause significant fluctuations in our results of operations, Annual Recurring Revenue (ARR), and cash flows; our reliance on sales to and renewals from a relatively small number of large customers for a substantial portion of our revenue and ARR; our making long-term pricing commitments in our customer contracts based on available information and estimates about our future costs that may change; our ability to successfully manage our business model, including achieving market acceptance of our cloud-based services and products and the costs related to cloud operations, cybersecurity, product development, and services; the timing, success, and number of professional services engagements and the billing rates and utilization of our professional services employees and contractors; the impact of global events (including, without limitation, ongoing global conflicts, inflation, high interest rates, economic volatility, bank failures and associated financial instability, and supply chain issues) on our employees, our business, and the businesses of our customers, system integrator (SI) partners, and vendors; data security breaches of our cloud-based services and products or unauthorized access to our employees' or our customers' data; our competitive environment and changes thereto; issues in the development and use of artificial intelligence and machine learning combined with an uncertain regulatory environment; use of AI by our workforce may present risks to our business; errors or failures in our products or services, as well as service interruptions or failure of the third-party service providers we rely on; our services revenue produces lower gross margins than our license, subscription and support revenue; our product development and sales cycles are lengthy and may be affected by factors outside of our control; the impact of new regulations and laws (including, without limitation, security, privacy, artificial intelligence and machine learning, tax regulations and laws, and accounting standards); assertions by third parties that we violate their intellectual property rights; weakened global economic conditions may adversely affect the P&C insurance industry, including the rate of information technology spending; our ability to sell our services and products is highly dependent on the quality of our professional services and SI partners; the risk of losing key employees; the challenges of international operations, including changes in foreign exchange rates; and other risks and uncertainties. Past performance is not indicative of future results. The forward-looking statements included in this press release represent Guidewire's views as of the date of this press release. Guidewire anticipates that subsequent events and developments will cause its views to change. Guidewire undertakes no intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. These forward-looking statements should not be relied upon as representing Guidewire's views as of any date subsequent to the date of this press release.
Bank of Nova Scotia reduced its position in Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 99.9% during the first quarter, according to its most recent 13F filing with the SEC. The institutional investor owned 2,885 shares of the technology company’s stock after selling 2,021,827 shares during the period. Bank of Nova Scotia’s holdings in Guidewire Software were worth $431,000 at the end of the most recent quarter.
A number of other institutional investors and hedge funds have also recently modified their holdings of GWRE. Advisors Asset Management Inc. acquired a new position in Guidewire Software during the 1st quarter valued at about $25,000. Measured Wealth Private Client Group LLC purchased a new position in Guidewire Software during the 3rd quarter worth approximately $29,000. Flagship Harbor Advisors LLC acquired a new position in Guidewire Software during the fourth quarter valued at $36,000. Leonteq Securities AG acquired a new position in shares of Guidewire Software in the 1st quarter valued at about $36,000. Finally, Bogart Wealth LLC boosted its position in Guidewire Software by 127.8% in the 1st quarter. Bogart Wealth LLC now owns 246 shares of the technology company’s stock worth $37,000 after purchasing an additional 138 shares in the last quarter.
Wall Street Analyst Weigh In GWRE has been the subject of several recent analyst reports. Wells Fargo & Company cut their price target on Guidewire Software from $210.00 to $190.00 and set an “overweight” rating for the company in a research note on Friday, June 5th. Citizens Jmp dropped their price target on Guidewire Software from $300.00 to $220.00 and set a “market outperform” rating for the company in a research report on Friday, June 5th. Oppenheimer reduced their target price on shares of Guidewire Software from $250.00 to $180.00 and set an “outperform” rating on the stock in a research note on Monday, May 18th. DA Davidson lowered their price target on Guidewire Software from $246.00 to $222.00 and set a “buy” rating for the company in a report on Monday, June 8th. Finally, The Goldman Sachs Group cut their target price on Guidewire Software from $255.00 to $225.00 and set a “buy” rating on the stock in a research report on Friday, June 5th. One equities research analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating and three have given a Hold rating to the company’s stock. Based on data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy” and an average target price of $221.00.
Get Our Latest Research Report on GWRE
Insider Activity In other Guidewire Software news, CEO Michael George Rosenbaum sold 5,830 shares of the business’s stock in a transaction dated Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total transaction of $692,254.20. Following the completion of the sale, the chief executive officer owned 199,776 shares of the company’s stock, valued at approximately $23,721,402.24. The trade was a 2.84% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, CFO Jeffrey Elliott Cooper sold 2,594 shares of the company’s stock in a transaction dated Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total value of $308,011.56. Following the completion of the sale, the chief financial officer directly owned 63,467 shares of the company’s stock, valued at $7,536,071.58. The trade was a 3.93% decrease in their position. The disclosure for this sale is available in the SEC filing. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Over the last quarter, insiders sold 30,193 shares of company stock worth $3,797,922. Company insiders own 0.46% of the company’s stock.
Guidewire Software Trading Down 8.1% Shares of GWRE stock opened at $153.72 on Friday. The company has a market capitalization of $12.80 billion, a P/E ratio of 83.09 and a beta of 0.95. Guidewire Software, Inc. has a twelve month low of $102.30 and a twelve month high of $272.60. The business’s 50 day moving average is $134.40 and its two-hundred day moving average is $140.58. The company has a current ratio of 2.44, a quick ratio of 2.44 and a debt-to-equity ratio of 0.51.
Guidewire Software (NYSE:GWRE – Get Free Report) last issued its earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The business had revenue of $372.54 million during the quarter, compared to the consensus estimate of $355.92 million. During the same period in the prior year, the business posted $0.88 EPS. The company’s revenue for the quarter was up 26.9% on a year-over-year basis. Equities analysts forecast that Guidewire Software, Inc. will post 1.83 EPS for the current year.
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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SAN MATEO, Calif.--(BUSINESS WIRE)---- $GWRE #Alabama--Guidewire analysis shows millions of U.S. homes remain at hurricane risk despite a quieter 2026 season.
On July 27, 2026, Guidewire Software Inc (GWRE) shares rose 8.0% today, reaching a current price of $149.28. The stock has experienced significant volatility ov
On July 24, 2026, Guidewire Software Inc (GWRE) shares rose 5.2% today, bringing the current price to $138.23. Over the past 52 weeks, the price has fluctuated
California Public Employees Retirement System decreased its stake in shares of Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 26.4% during the first quarter, according to the company in its most recent filing with the SEC. The fund owned 110,644 shares of the technology company’s stock after selling 39,768 shares during the period. California Public Employees Retirement System owned 0.13% of Guidewire Software worth $16,548,000 as of its most recent filing with the SEC.
Several other institutional investors have also recently bought and sold shares of the company. Advisors Asset Management Inc. bought a new position in shares of Guidewire Software during the 1st quarter worth about $25,000. Measured Wealth Private Client Group LLC bought a new stake in shares of Guidewire Software during the third quarter worth $29,000. Flagship Harbor Advisors LLC acquired a new stake in Guidewire Software in the 4th quarter valued at about $36,000. Leonteq Securities AG acquired a new stake in shares of Guidewire Software in the first quarter valued at approximately $36,000. Finally, Bogart Wealth LLC lifted its holdings in Guidewire Software by 127.8% during the 1st quarter. Bogart Wealth LLC now owns 246 shares of the technology company’s stock worth $37,000 after buying an additional 138 shares in the last quarter.
Insider Buying and Selling In other Guidewire Software news, CEO Michael George Rosenbaum sold 5,830 shares of the stock in a transaction dated Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total value of $692,254.20. Following the transaction, the chief executive officer owned 199,776 shares of the company’s stock, valued at approximately $23,721,402.24. This represents a 2.84% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which can be accessed through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, insider James Winston King sold 1,684 shares of the business’s stock in a transaction dated Thursday, July 9th. The stock was sold at an average price of $130.64, for a total value of $219,997.76. Following the transaction, the insider owned 30,018 shares of the company’s stock, valued at $3,921,551.52. The trade was a 5.31% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders sold 30,193 shares of company stock worth $3,792,858. Corporate insiders own 0.46% of the company’s stock.
Guidewire Software Stock Performance Shares of Guidewire Software stock opened at $131.33 on Friday. The firm has a fifty day moving average of $132.71 and a two-hundred day moving average of $141.71. The stock has a market capitalization of $10.93 billion, a price-to-earnings ratio of 70.99 and a beta of 0.95. Guidewire Software, Inc. has a 52 week low of $102.30 and a 52 week high of $272.60. The company has a debt-to-equity ratio of 0.51, a quick ratio of 2.44 and a current ratio of 2.44.
Guidewire Software (NYSE:GWRE – Get Free Report) last posted its quarterly earnings results on Thursday, June 4th. The technology company reported $0.82 earnings per share for the quarter, beating analysts’ consensus estimates of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The company had revenue of $372.54 million for the quarter, compared to the consensus estimate of $355.92 million. During the same quarter in the prior year, the business posted $0.88 EPS. The firm’s quarterly revenue was up 26.9% on a year-over-year basis. As a group, equities research analysts predict that Guidewire Software, Inc. will post 1.83 EPS for the current year.
Analyst Upgrades and Downgrades GWRE has been the topic of a number of recent research reports. JPMorgan Chase & Co. decreased their price objective on Guidewire Software from $300.00 to $258.00 and set an “overweight” rating on the stock in a research report on Tuesday, July 14th. The Goldman Sachs Group cut their price target on Guidewire Software from $255.00 to $225.00 and set a “buy” rating on the stock in a research note on Friday, June 5th. DA Davidson decreased their price target on Guidewire Software from $246.00 to $222.00 and set a “buy” rating on the stock in a report on Monday, June 8th. Weiss Ratings reissued a “hold (c)” rating on shares of Guidewire Software in a report on Wednesday, June 3rd. Finally, Stifel Nicolaus cut their target price on shares of Guidewire Software from $225.00 to $200.00 and set a “buy” rating on the stock in a research report on Friday, June 5th. Twelve research analysts have rated the stock with a Buy rating and three have issued a Hold rating to the company. According to data from MarketBeat, the company has a consensus rating of “Moderate Buy” and a consensus price target of $221.00.
Read Our Latest Report on GWRE
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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Veteran Global Insurance Executive and AI Transformation Leader Brings Deep Industry Expertise to Guidewire Board
SAN MATEO, Calif.--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) today announced that it appointed Dr. Alexander Vollert to its Board of Directors, joining its board effective as of August 1, 2026.
“We are honored to welcome Dr. Alexander Vollert to Guidewire’s Board of Directors,” said Michael Keller, chairman of the board, Guidewire. “Alexander has been both an operator responsible for how a global insurer executes and a CEO accountable for its results, driving large-scale digital transformation and establishing AI at scale. As we infuse AI into our platform and applications, his experience will help us focus that work on what matters most for our customers’ results.”
Dr. Vollert served as chief operating officer of AXA SA, during which time he was a member of the company’s Group Management Committee, and chief executive officer of AXA Group Operations through December 2025. Prior to that, he was chief executive officer of AXA Germany starting in 2016, and previously held senior leadership roles at Allianz SE, ultimately serving as chief executive officer of its German P&C business. During his tenure at AXA, he played a pivotal role in driving large-scale digital transformations and industrial-scale AI deployments, successfully establishing the company as a global AI leader in the insurance industry. Earlier in his career, he spent nine years at McKinsey & Company, advising financial services clients across multiple markets on strategy, technology and large-scale transformations. Since 2026, he has served as senior advisor to the Group Management Committee at AXA.
About Guidewire
Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. More than 570 insurers in 43 countries, from new ventures to the largest and most complex in the world, rely on Guidewire products. With core systems leveraging data and analytics, digital, and artificial intelligence, Guidewire defines cloud platform excellence for P&C insurers.
We are proud of our unparalleled implementation record, with 1,700+ successful projects supported by the industry’s largest R&D team and SI partner ecosystem. Our marketplace represents the largest solution partner community in P&C, where customers can access hundreds of applications to accelerate integration, localization, and innovation.
For more information, please visit www.guidewire.com and follow us on X and LinkedIn.
NOTE: For information about Guidewire’s trademarks, visit https://www.guidewire.com/legal-notices
On July 21, 2026, Guidewire Software Inc (GWRE) shares fell 4.5% today, closing at $142.53. The stock has experienced a volatile year, trading between a 52-week
Bessemer Group Inc. grew its stake in shares of Guidewire Software, Inc. (NYSE:GWRE – Free Report) by 35.0% in the first quarter, according to its most recent filing with the Securities & Exchange Commission. The firm owned 125,906 shares of the technology company’s stock after acquiring an additional 32,662 shares during the period. Bessemer Group Inc. owned about 0.15% of Guidewire Software worth $18,830,000 at the end of the most recent reporting period.
Several other large investors also recently modified their holdings of the stock. D.A. Davidson & CO. raised its holdings in shares of Guidewire Software by 3.0% in the 1st quarter. D.A. Davidson & CO. now owns 4,234 shares of the technology company’s stock worth $633,000 after purchasing an additional 124 shares during the period. Empirical Financial Services LLC d.b.a. Empirical Wealth Management bought a new position in Guidewire Software during the first quarter valued at $553,000. Archer Investment Corp bought a new position in Guidewire Software during the first quarter valued at $239,000. State of Michigan Retirement System increased its position in Guidewire Software by 2.0% in the first quarter. State of Michigan Retirement System now owns 20,500 shares of the technology company’s stock worth $3,066,000 after buying an additional 400 shares during the last quarter. Finally, Principal Financial Group Inc. increased its position in Guidewire Software by 547.3% in the first quarter. Principal Financial Group Inc. now owns 1,180,334 shares of the technology company’s stock worth $176,537,000 after buying an additional 997,992 shares during the last quarter.
Analyst Upgrades and Downgrades A number of research analysts have recently commented on GWRE shares. Oppenheimer dropped their price target on Guidewire Software from $250.00 to $180.00 and set an “outperform” rating on the stock in a research report on Monday, May 18th. Wells Fargo & Company decreased their price objective on Guidewire Software from $210.00 to $190.00 and set an “overweight” rating for the company in a report on Friday, June 5th. Stifel Nicolaus lowered their price objective on Guidewire Software from $225.00 to $200.00 and set a “buy” rating on the stock in a research note on Friday, June 5th. Zacks Research lowered shares of Guidewire Software from a “strong-buy” rating to a “hold” rating in a research report on Monday, May 25th. Finally, Citizens Jmp reduced their target price on shares of Guidewire Software from $300.00 to $220.00 and set a “market outperform” rating for the company in a research note on Friday, June 5th. Eleven research analysts have rated the stock with a Buy rating and three have given a Hold rating to the company’s stock. Based on data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and an average target price of $224.42.
Get Our Latest Stock Report on GWRE
Insider Activity In other news, President John P. Mullen sold 4,292 shares of Guidewire Software stock in a transaction dated Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total transaction of $509,632.08. Following the completion of the sale, the president owned 131,115 shares in the company, valued at approximately $15,568,595.10. This trade represents a 3.17% decrease in their position. The sale was disclosed in a legal filing with the SEC, which can be accessed through this link. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, CAO David Franklin Peterson sold 246 shares of the business’s stock in a transaction dated Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total value of $29,210.04. Following the transaction, the chief accounting officer directly owned 12,287 shares of the company’s stock, valued at $1,458,958.38. The trade was a 1.96% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. In the last quarter, insiders have sold 31,393 shares of company stock worth $3,960,558. Company insiders own 0.46% of the company’s stock.
Guidewire Software Trading Up 0.7% Guidewire Software stock opened at $149.93 on Friday. The company has a debt-to-equity ratio of 0.51, a quick ratio of 2.44 and a current ratio of 2.44. Guidewire Software, Inc. has a fifty-two week low of $102.30 and a fifty-two week high of $272.60. The stock has a market cap of $12.48 billion, a P/E ratio of 81.04 and a beta of 0.95. The firm’s fifty day moving average price is $131.86 and its 200-day moving average price is $143.78.
Guidewire Software (NYSE:GWRE – Get Free Report) last posted its quarterly earnings data on Thursday, June 4th. The technology company reported $0.82 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.74 by $0.08. Guidewire Software had a return on equity of 12.62% and a net margin of 11.25%.The company had revenue of $372.54 million during the quarter, compared to analyst estimates of $355.92 million. During the same quarter last year, the company earned $0.88 earnings per share. The firm’s quarterly revenue was up 26.9% on a year-over-year basis. Equities research analysts forecast that Guidewire Software, Inc. will post 1.83 earnings per share for the current fiscal year.
Guidewire Software Company Profile (Free Report)
Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company’s offerings are designed to help insurers manage the core functions of their business—policy administration, billing and claims—while supporting digital engagement, analytics and operational modernization.
Guidewire’s core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management.
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AYTON, Ontario & SAN MATEO, Calif.--(BUSINESS WIRE)---- $GWRE #GuidewireProNavigator--Germania Mutual has deployed ProNavigator, Guidewire's AI assistant, in support of its underwriting and claims teams.
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Michael George Rosenbaum, the chief executive officer of Guidewire Software, Inc. (GWRE +0.28%), sold 1,200 shares of common stock at $138.47 per share on July 13, 2026, according to an SEC Form 4 filing.
Transaction summaryMetricValueTransaction value$166,164Shares sold1,200Post-transaction shares (directly held)~195,000Post-transaction value$27.36 millionTransaction value based on SEC Form 4 weighted average sale price ($138.47); post-transaction value based on July 13, 2026 market close ($140.31).
Key questionsWhat was the regulatory basis for this transaction?
The sale was conducted under a Rule 10b5-1 trading plan established by Michael George Rosenbaum on October 14, 2025. These plans allow corporate insiders to schedule share sales in advance to meet liquidity needs while maintaining compliance with insider trading regulations.How significant is the insider's remaining direct equity position?
Following this transaction, the Chief Executive Officer continues to hold nearly 195,000 shares of common stock directly. This position is valued at $27.36 million based on the market close price of $140.31 on July 13, 2026.What are the core business operations of Guidewire Software?
Guidewire Software serves as a global provider of software solutions for the property and casualty insurance industry, offering platforms such as InsuranceSuite and InsuranceNow to manage core operations, including policies, billing, and claims.What is the company's recent financial performance?
Guidewire Software reported trailing twelve-month revenue of $1.4 billion and net income of $159.8 million. The company currently maintains a market capitalization of $11.3 billion as of the July 10 market close.Company OverviewMetricValueShare Price (as of market close 2026-07-10)$136.13Market Capitalization$11.3 billionRevenue (TTM)$1.4 billionNet Income (TTM)$159.8 millionCompany SnapshotGuidewire Software provides comprehensive software solutions for the property and casualty insurance industry, with primary offerings including Guidewire InsuranceSuite (featuring PolicyCenter, BillingCenter, and ClaimCenter applications) and Guidewire InsuranceNow, a cloud-native platform for integrated policy, billing, and claims administration.The company operates a subscription and SaaS-based business model, generating revenue through software licensing, cloud services, and professional services engagements that support implementation and customization of its platforms for client insurers.Guidewire's primary customers are property and casualty insurance carriers of varying sizes, ranging from regional and mid-market insurers to large national and international insurance enterprises seeking to modernize their core operational systems.Guidewire Software is a market-leading provider of digital transformation solutions for the global insurance industry, with a market capitalization of $11.3 billion and TTM revenue of $1.4 billion. The company maintains a competitive advantage through its specialized expertise in insurance-specific workflows and its comprehensive, integrated platform approach that addresses the full spectrum of policy, billing, and claims operations. Guidewire's strategic positioning in the high-growth insurance software market reflects strong demand for cloud-based, modernized systems among insurers navigating digital transformation imperatives.
What this transaction means for investorsRosenbaum parted with 1,200 shares under a plan he set in October while still holding nearly 195,000 shares worth about $27 million. That's a trim of well under 1% and the kind of scheduled liquidity a CEO takes without it saying anything about the business. He’s been making such small sales on a roughly weekly basis for the past few months, but unless the selling intensifies, it doesn’t really signal too much.
Meanwhile, Guidewire has been performing solidly despite a steep 37% decline in its stock price over the past year, as many firms in the software space deal with increased investor scrutiny over ARR growth and guidance. The firm’s fiscal third-quarter revenue jumped 27% to $373 million, annual recurring revenue climbed 19% to $1.147 billion, and subscription revenue grew 35% as insurers kept migrating their core systems to its cloud. The company landed cloud wins in the quarter and raised its full-year revenue outlook to as high as $1.47 billion. On the earnings call, Rosenbaum told investors "it could be a record Q4” but investors are clearly hoping for more.
Jonathan Ponciano has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
Key Takeaways Guidewire benefits as P&C insurers modernize legacy systems and shift core workflows to cloud.GWRE closed 11 cloud deals in Q3 fiscal 2026, including two net-new core system wins.ProNavigator and PricingCenter gained traction, but services mix and execution remain in focus. Guidewire Software, Inc. (GWRE - Free Report) is benefiting from insurer modernization, cloud migration and broader AI adoption across the property and casualty insurance market.
The story is not one-sided. Subscription-led growth is improving the model, but implementation intensity, services mix and execution demands still shape the stock’s risk-reward balance.
Why Guidewire Benefits From Insurer ModernizationP&C insurers continue to move away from legacy systems and toward cloud-based platforms that can support policy, billing, claims, pricing and underwriting workflows. Guidewire sits directly in that shift, with its cloud platform positioned as a core operating system for insurers.
In third-quarter fiscal 2026, Guidewire closed 11 cloud deals, including two net-new core system wins. The wins included a seven-year expansion with Auto Club of Southern California, a strategic net-new cloud win with Bradesco Seguros in Brazil, a U.K. ClaimCenter selection and a PolicyCenter win at a large U.S. insurer.
SAP SE (SAP - Free Report) remains relevant in the broader enterprise software market and is listed among Guidewire’s competitive landscape in software serving P&C insurers. Oracle Corporation (ORCL - Free Report) , with its cloud applications and platform services, is another useful reference point for investors tracking enterprise cloud migration across regulated industries.
How GWRE Is Building AI Into Daily WorkflowsGuidewire’s AI push is becoming more practical through ProNavigator. The company completed five ProNavigator deals in the third quarter as insurers looked to embed AI-driven knowledge and workflow automation into core operations.
The product is designed to provide role-specific, secure and context-aware AI guidance for underwriters, claims adjusters, billing specialists and customer service representatives. That matters because it extends Guidewire’s relevance beyond system replacement and into daily decision support.
AI is also influencing implementation work. Management has cited productivity gains from agentic development tools, which could help reduce friction in cloud migrations and speed delivery over time.
Where Guidewire’s Services Trend Cuts Both WaysServices revenue rose 32% year over year to $71.8 million in the third quarter. That growth reflects demand for Guidewire-led services programs, field engineering work and support for customers using Guidewire Cloud Platform.
The trade-off is margin mix. Services carried a non-GAAP gross margin of 14.3% in the quarter, compared with 74.1% for subscription and support. Higher services demand can signal healthy implementation activity, but it can also dilute the benefits of subscription-led growth.
For fiscal 2026, Guidewire expects services revenues of about $270 million and services gross margin of about 14%. A larger services revenue mix and higher bonus accrual partially offset the benefit from raised revenue expectations.
What Pricing Tools Mean for Guidewire’s Next PhasePricingCenter gives Guidewire another route into data-driven insurance workflows. The solution helps P&C insurers update pricing, analyze impacts in real time and respond to market changes.
Guidewire closed three PricingCenter wins in the third quarter, including deals with insurers in Sweden and Poland and its first U.S. win at Oklahoma Farm Bureau. The early traction supports the view that Guidewire can expand deeper into pricing and product teams.
Still, newer products must scale efficiently. PricingCenter and ProNavigator broaden the platform opportunity, but the company still needs to prove that adoption can grow without adding delivery complexity or weakening unit economics.
How Zacks Signals Reflect GWRE’s Trend BalanceGuidewire’s growth story is becoming broader, but not simpler. Cloud migrations remain the main engine, while ProNavigator and PricingCenter add new ways for insurers to use Guidewire inside daily workflows. At the same time, the rise in services demand shows that modernization still requires meaningful implementation support, keeping margin mix and execution discipline in focus.
GWRE currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
The stock also has a Value Score of F, Growth Score of B, Momentum Score of F and VGM Score of D. The Growth Score of B fits a company delivering double-digit ARR and subscription growth, but the weaker Value, Momentum and VGM readings point to a less favorable overall style profile.
For investors, that combination supports a measured view: Guidewire is participating in durable insurance technology trends, but the stock still needs cleaner evidence that newer products, cloud scale and services demand can translate into more efficient long-term growth.
Key Takeaways Guidewire benefits from insurers shifting to cloud-based core systems and recurring revenue growth.GWRE ended Q3 fiscal 2026 with ARR of $1.147B, up more than 19%, and kept ARR guidance intact.Subscription and support revenue rose 34.6%, helping lift margins and non-GAAP operating income. Guidewire Software, Inc. (GWRE - Free Report) is benefiting from insurers’ shift to cloud-based core systems, with recurring revenue growth and better profitability supporting the investment case.
The stock’s setup is still balanced. Large-deal timing, services mix, rising costs and the need to scale newer AI products without adding complexity remain key offsets.
Why GWRE Still Centers on Cloud ConversionGuidewire serves property and casualty insurers with software for core operations, digital engagement, analytics, machine learning and AI. Its main cloud offerings include InsuranceSuite Cloud and InsuranceNow, both central to insurer modernization projects.
Cloud migration remains the main growth engine. In third-quarter fiscal 2026, Guidewire closed 11 cloud deals, including two net-new core system wins. Wins included a seven-year extension and DWP expansion with Auto Club of Southern California, a strategic net-new win with Bradesco Seguros in Brazil and selections by insurers in the United Kingdom and the United States.
SAP SE (SAP - Free Report) is relevant to this discussion because SAP offers insurance software solutions for data-driven decisions, AI and compliance needs. Salesforce, Inc. (CRM - Free Report) also fits the broader software context through its financial-services software and CRM offerings for customer engagement
How Guidewire Is Turning ARR Into VisibilityAnnual recurring revenue remains one of the clearest measures of Guidewire’s cloud transition. ARR ended the third quarter at $1.147 billion, up more than 19% year over year.
Management maintained fiscal 2026 ARR guidance of $1.229-$1.237 billion, implying 18%-19% year-over-year growth. Fully ramped ARR continued to grow faster than reported ARR, giving investors a better view of contract value that has not yet fully flowed into reported ARR.
Where GWRE Is Finding Margin ImprovementSubscription and support revenue is now doing more of the heavy lifting. In the fiscal third quarter, subscription and support revenues rose 34.6% year over year to $244.7 million, representing 65.7% of total revenues.
Image Source: Zacks Investment Research
Profitability is improving with scale. Non-GAAP subscription and support gross margin increased to 74% from 71% a year earlier, while overall non-GAAP gross margin expanded to 66.4% from 65.5%. Non-GAAP operating income rose to $77.8 million from $46.1 million in the year-ago quarter.
What Guidewire Must Prove on New ProductsProNavigator and PricingCenter are becoming the next layer of the story. Guidewire completed five ProNavigator deals in the third quarter as insurers looked to add AI-driven knowledge and workflow automation to insurance operations.
PricingCenter also gained traction, with three wins, including insurers in Sweden and Poland and the first U.S. win at Oklahoma Farm Bureau. These products can deepen customer relationships beyond core systems, but Guidewire still must scale them without adding delivery complexity or weakening economics.
How Zacks Signals Fit GWRE’s Balanced SetupThe bottom line on GWRE is that the company is executing well where investors need it most: cloud adoption, ARR expansion and margin improvement. At the same time, the stock’s outlook is not without friction, as large cloud deals can shift between quarters and newer offerings such as ProNavigator and PricingCenter still need to scale efficiently.
GWRE currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
GWRE has a Value Score of F, Growth Score of B, Momentum Score of F and VGM Score of D. The Growth Score reflects the company’s improving revenue profile, while weaker value and momentum marks suggest investors may want to watch execution, valuation and deal timing closely before taking a more aggressive stance.
For now, Guidewire’s cloud transition remains the core reason to stay engaged with the story. The next test is whether the company can convert its expanding platform, AI tools and pricing products into durable ARR growth without sacrificing the margin progress that has made the investment case more credible.
On June 23, 2026, Guidewire Software Inc GWRE shares rose 6.8% today, closing at $109.63. This price is situated within a 52-week range of $102.30 to $272.60, reflecting the stock's volatility over the past year.
GF Value™ verdict: Current price of $109.63 versus GF Value of $202.50 indicates a 45.9% upside potential.GF Score™ of 70/100 suggests the stock is above average in terms of its key metrics.Most notable signal: Insider activity reveals that insiders sold $4.1 million worth of stock in the last three months, with no purchases reported. Is GWRE Overvalued or Undervalued? Guidewire Software Inc GWRE presents a valuation scenario that indicates significant undervaluation. The current price of $109.63 is considerably lower than the GF Value™ of $202.50, providing a margin of safety of approximately 45.9%. This suggests that there may be an opportunity for investors if the market corrects itself and aligns more closely with the company's intrinsic value. The GF Valuation label categorizes GWRE as significantly undervalued, which could imply that the stock is trading at a discount relative to its intrinsic worth.
However, it is important to approach this opportunity with caution. The financial landscape can be unpredictable, and recent trends in the stock price, including a year-to-date decline of 45.5%, raise questions about the underlying factors influencing these movements. GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates.
How Does GWRE's Valuation Compare to Its History? Metric Current Historical P/E (TTM) 59.3x 267.0x (5-Year Median) Forward P/E 26.4x N/A The current P/E (TTM) of 59.3x is significantly lower than the 5-year median P/E of 267.0x, indicating GWRE is trading below its historical valuation metrics. This P/E analysis supports the GF Value™ verdict, reinforcing the notion that GWRE may be undervalued in the current market environment.
What Does GWRE's GF Score™ Tell Us? Metric Rating GF Score™ 70/100 Financial Strength 7/10 Profitability 5/10 Growth 8/10 Valuation 4/10 Momentum 2/10 The GF Score™ of 70/100 indicates that Guidewire Software Inc is above average based on key financial metrics. The company shows strong growth potential with a growth rank of 8/10, suggesting that it may have solid prospects for future revenue and earnings increases. However, the momentum rank of 2/10 and a valuation rank of 4/10 highlight areas of concern that may warrant additional scrutiny from potential investors.
What Are Insiders Doing with GWRE Stock? In recent months, insider trading activity at Guidewire Software Inc has shown that insiders sold approximately $4.1 million worth of shares, with no recorded purchases within the same timeframe. This pattern may suggest a lack of confidence in the company's near-term prospects or may reflect individual financial strategies among the insiders. The absence of insider buying could indicate that those closest to the company do not anticipate a significant rebound in the stock price in the short term.
What This Means for Investors Based on the analysis of GF Value™, Guidewire Software Inc GWRE appears to be undervalued at its current price of $109.63. The significant gap between the current price and the GF Value™ of $202.50 suggests that there may be a compelling opportunity for investors, albeit with some risk factors to consider.
For the complete analysis, visit the Guidewire Software Inc GWRE stock page. You can also explore the GF Value™ page for detailed valuation methodology, or use the GuruFocus Stock Screener to find similar opportunities.
Frequently Asked Questions What is GWRE's GF Score™?
GWRE has a GF Score™ of 70/100, indicating it ranks above average based on key financial metrics.
Is GWRE overvalued or undervalued?
GWRE is currently undervalued, with a GF Value™ of $202.50 compared to its market price of $109.63, indicating significant upside potential.
What is GWRE's P/E ratio?
GWRE's P/E (TTM) ratio is 59.3x, which is significantly lower than its 5-year median P/E of 267.0x, suggesting it may be undervalued historically.
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LONDON--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) today released the latest edition of its annual study of insurance customers in Europe, revealing their attitudes towards insurers' use of artificial intelligence (AI) and identifying opportunities for insurers to continue earning their trust. The 2026 Guidewire European Insurance Consumer Survey found that UK customers feel positive about insurers using AI provided there is human oversight and strong safeguards in place. Almost one third (30 perc.
Guidewire (NYSE: GWRE) today released the latest edition of its annual study of insurance customers in Europe, revealing their attitudes towards insurers' use of artificial intelligence (AI) and identifying opportunities for insurers to continue earning their trust.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260520571278/en/
The 2026 Guidewire European Insurance Consumer Surveyfound that UK customers feel positive about insurers using AI provided there is human oversight and strong safeguards in place. Almost one third (30 percent) said they would be happy with their insurer using AI tools to make decisions about the price of their insurance policy.
When customers can see an advantage in the insurer's use of AI, acceptance rises. For example, 38 percent agree they would be happy with AI assisting them in completing insurance documents and policy applications, and 39 percent are comfortable with AI supporting human call handlers in answering their questions (both figures unchanged from last year’s findings).
With little year-on-year change in customers’ comfort with how insurers use AI, the industry is at a key stage in determining what will be required to further build trust among consumers and advance AI deployment responsibly. UK consumers highlighted three key priorities, including human intervention (33 percent), transparency (26 percent), and third-party regulation to keep the technology in check (23 percent).
The survey also revealed that increased personal use of AI is making customers two times more receptive to its use by insurers:
Daily AI users are twice as likely as the general public to trust automated insurance pricing. While 63 percent of those who use AI tools daily are comfortable with "human-free" policy decisions, only 30 percent of the broader UK population shares that sentiment. 80 percent of daily AI users would be happy for the technology to assist them in filling out insurance documents and completing policy applications, compared with 38 percent of UK consumers overall. More than half (59.5 percent) of those using AI every day are comfortable with the technology deciding and processing insurance claims or determining claim value, compared with 27 percent of UK consumers overall. Even among daily AI users, transparency (30.6 percent) and keeping a human in the loop (39 percent) continue to score highly as prerequisites for trust. Charles Clarke, Group Vice President, Guidewire, said: “AI is playing an increasingly important role in the insurance industry, and customers are becoming more comfortable with its use. Our report shows that when customers clearly see its value, they are significantly more likely to accept AI within the insurance process.
“To further enhance acceptance, customers are calling for greater transparency, regulation, and human oversight. Insurers should work collaboratively with one another, with technology providers, and with regulators to meet these expectations and build lasting trust in how AI is used whether those capabilities come from their core platforms, embedded assistants, or broader AI partners.”
Michael Cook, Partner, PwC, said: “The findings underscore a clear desire among UK customers for a balanced approach to AI in insurance - embracing the efficiencies and convenience it offers, while ensuring that human judgement remains integral to decision-making especially as the use of AI moves beyond delivering efficiency into more value additive work and ultimately, operating differently.
“As AI becomes more embedded in daily life, insurers must prioritise transparency and robust regulation to maintain consumer trust and confidence including the adoption of the appropriate governance and frameworks and exploring the role of AI to 'manage AI'. Striking this balance will be key to unlocking AI’s full potential in delivering fairer, more personalised insurance services and moving to a very different way of operating with a combined people and agent workforce."
About Guidewire
Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. More than 570 insurers in 43 countries, from new ventures to the largest and most complex in the world, rely on Guidewire products. With core systems leveraging data and analytics, digital, and artificial intelligence, Guidewire defines cloud platform excellence for P&C insurers.
We are proud of our unparalleled implementation record, with 1,700+ successful projects supported by the industry’s largest R&D team and SI partner ecosystem. Our marketplace represents the largest partner community in P&C, where customers can access hundreds of applications to accelerate integration, localization, and innovation.
For more information, please visit www.guidewire.com and follow us on X and LinkedIn.
Methodology:
The research was conducted by Censuswide with 4,004 Consumers who have bought or renewed a general insurance product or made a claim under it in the last 12 months across the UK, France, Germany and Spain between 13.01.2026 - 22.01.2026. Censuswide is a member of the Market Research Society (MRS) and the British Polling Council (BPC), and a signatory of the Global Data Quality Pledge. We adhere to the MRS Code of Conduct and ESOMAR principles.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260520571278/en/
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SAN MATEO, Calif.--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) announced that it will release its financial results for the fiscal quarter ended April 30, 2026 after market close on Thursday, June 4, 2026. On that day, management will host an audio webcast at 2:00 p.m. PT (5:00 p.m. ET) to review and discuss the Company's results for the third quarter fiscal year 2026. The live audio webcast will be accessible to the public through the Investor Relations website at https://ir.guidewire.com/. A repl.
Evaluate the expected performance of Guidewire Software (GWRE) for the quarter ended April 2026, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
On June 01, 2026, Guidewire Software Inc (GWRE) shares rose 12.3% to a current price of $171.42. Despite today's positive movement, the stock remains within a 5
On June 02, 2026, Guidewire Software Inc (GWRE) shares fell 5.1% today, with the stock currently trading at $162.74. Over the past year, GWRE has experienced co
SAN MATEO, Calif.--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) today announced its financial results for the fiscal quarter ended April 30, 2026. “Third-quarter results reinforce our confidence in the strength and continuing momentum of our business, and set us up well for what should be a record fourth quarter,” said Mike Rosenbaum, chief executive officer, Guidewire. “It's clear that our strategy and market position are resonating with insurers as they focus on modernizing core systems, migrating.
Guidewire Software (GWRE) came out with quarterly earnings of $0.82 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $0.88 per share a year ago.
