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Stock Ratings / Technology / GWRE
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Guidewire Software Inc. (GWRE) — RQD Stock Rating Cockpit

$162.43 -0.10% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $162.09

Guidewire Software Inc. (GWRE) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $13.44B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GWRE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GWRE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Guidewire Software Inc. (NYSE: GWRE) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $162.43 (-0.10% 1D, market cap $13.44B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 18/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 10/20. Across 715 tracked Technology issuers, GWRE ranks #121 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GWRE compare to MANH and BSY in the Technology sector?
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Within the Technology sector (Computer Software: Prepackaged Software), GWRE carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 62.5%, and ROIC of 2.0%. By comparison, MANH (Manhattan Associates Inc.) holds a B+ grade (80/100 RQD, P/E 63.8x, ROIC 19.7%, cap $14.48B) and BSY (Bentley Systems Incorporated) posts a B+ grade (76/100 RQD, P/E 43.1x, ROIC 12.4%, cap $12.36B). Among the 5-stock peer group, PAYC leads on earnings multiple (25.9x) while MANH leads on capital efficiency (19.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GWRE?
▼

Per GWRE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-07-31, CIK 0001528396), Guidewire Software Inc. generated $1.20B in revenue (+22.6% YoY), $0 in net income, and $295.1M in free cash flow against $2.69B in total assets and $531.5M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $162.09 (-0.21%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 24.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk B+
Cash (14)Whales (11)SEC (18)Macro (13)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$243 Bull$168 Base$131 Bear
📬 FREE GWRE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GWRE)Realized 20D OHLCV Swing Band: ±8.9%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY GWRE SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (27% of score)

Altman Z-Score 7.24 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 24.5% FCF Margin ($295.1M FCF) & 62.5% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
74
Grade B+$164.92+10.3% Next Q
Q2 (-2Q)
71
Grade B$181.90-8.2% Next Q
Q3 (-1Q)
69
Grade B-$166.92-2.7% Next Q
Current
66
Grade C+$162.43+1.4% Hist 90D α
Trajectory: B+ (74) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GWRE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, GWRE faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.68% YoY Shares) — any gross margin slip below 60.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($165.29) or 200D SMA ($148.99) invalidates the momentum regime and cuts Target Base ($168.28) toward Bear Floor ($131.26).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GWRE• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “GWRE Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 66%NO 34%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
46.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
7.24>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE46% OF RANGE
L: $102$162.43H: $232
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (62.5% gross margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on GWRE

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

2.0% ROIC with 62.5% gross margin and 2.25% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (90)

Altman-Z 7.24 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (57)

21/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like GWRE
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (GWRE Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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GWRE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.14%📐 WEDGE COMPRESSION COIL
2026-11-03O $160.1H $162.6L $160.1C $162.4VOL 842.9K
RES: $188.2SUP: $143.4SMA50: $165.3SMA200: $149.0
$214.9$184.3$153.8$123.3$92.83RES $188.2SUP $143.4$162.42026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GWRE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GWRE Butterfly Map → + Track GWRE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
48.0%/yr Implied 5Y Growth

vs. +22.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GWRE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GWRE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for GWRE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GWRE)

Technology Rank #121 of 715 ⚔️ MANH vs GWRE Full Matrix →

1. Head-to-Head Technology Peer Comparison (GWRE vs. MANH, BSY, SAIL, PAYC)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Guidewire Software Inc. (GWRE) ranks #121 by composite RQD confidence (66/100, grade C+) and #129 by equity capitalization ($13.44B). Within this direct 5-issuer industry benchmark cohort, PAYC leads on earnings valuation at 25.9x trailing P/E, while MANH leads on capital efficiency and profitability with 19.7% ROIC and 56.3% gross margin. MANH currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with GWRE at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
GWRE ACTIVE
Guidewire Software Inc.
C+ 66/100 — 62.5% 2.0% -0.10% $13.44B Benchmark Subject
MANH
Manhattan Associates Inc.
B+ 80/100 63.8x 56.3% 19.7% +1.95% $14.48B /manh-vs-gwre →
BSY
Bentley Systems Incorporated
B+ 76/100 43.1x 81.5% 12.4% +3.67% $12.36B /bsy-vs-gwre →
SAIL
SailPoint Inc.
C 65/100 — 64.5% -3.6% -8.88% $12.02B /sail-vs-gwre →
PAYC
Paycom Software Inc.
B- 70/100 25.9x 83.2% 11.7% +0.70% $11.91B /payc-vs-gwre →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-07-31 • CIK 0001528396 ↗

In its most recent audited fiscal period (FY2025, filed 2025-07-31), Guidewire Software Inc. (GWRE) reported GAAP revenue of $1.20B (+22.6% vs. FY2024 revenue of $980.5M , and +32.8% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $300.9M, and free cash flow of $295.1M (+55.8% YoY). On the balance sheet, GWRE closed FY2025 with $2.69B in total assets against $531.5M in total debt (Altman Z-Score: 7.24, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-07-31 $1.20B $0 $300.9M $295.1M $2.69B $531.5M
FY2024 (FY) 2024-07-31 $980.5M $0 $195.7M $189.4M $2.54B $573.3M
FY2023 (FY) 2023-07-31 $905.3M $0 $38.4M -$2.3M $7.22B $1.69B

3. GWRE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GWRE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Guidewire Software Inc. (NYSE: GWRE) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $162.43 (-0.10% 1D, market cap $13.44B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 18/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 10/20. Across 715 tracked Technology issuers, GWRE ranks #121 in composite RQD confidence.

How does GWRE compare to MANH and BSY in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), GWRE carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 62.5%, and ROIC of 2.0%. By comparison, MANH (Manhattan Associates Inc.) holds a B+ grade (80/100 RQD, P/E 63.8x, ROIC 19.7%, cap $14.48B) and BSY (Bentley Systems Incorporated) posts a B+ grade (76/100 RQD, P/E 43.1x, ROIC 12.4%, cap $12.36B). Among the 5-stock peer group, PAYC leads on earnings multiple (25.9x) while MANH leads on capital efficiency (19.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GWRE?

Per GWRE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-07-31, CIK 0001528396), Guidewire Software Inc. generated $1.20B in revenue (+22.6% YoY), $0 in net income, and $295.1M in free cash flow against $2.69B in total assets and $531.5M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GWRE trading relative to its 50-day, 200-day, and 52-week technical levels?

GWRE last traded at $162.43 (-0.10% on volume of 1,005,005 shares), positioning the stock -1.73% below its 50-day simple moving average ($165.29) and +9.02% above its 200-day simple moving average ($148.99). Across its 52-week range of $102.30 to $231.85, GWRE sits at the 46.4% percentile with a 14-day RSI of 46.3 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($147.97 to $176.89).

Direct Sub-Reports: GWRE RQD Cockpit GWRE 12M Forecast GWRE Earnings & Move GWRE Dividends & DRIP GWRE Insiders & 13F GWRE Whale Options GWRE Profit Sankey GWRE News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

GWRE — Guidewire Software Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-07-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Guidewire Software Inc. (GWRE) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $162.43 (-0.10% 1D, market capitalization $13.44B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 2.0%, gross margin of 62.5%, operating margin of 3.4%, and free cash flow yield of 2.25%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (18/20): Incorporates a 1.19x equity beta, Altman Z-Score of 7.24, Piotroski F-Score of 8/9, and Debt/Equity of 0.33x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Guidewire Software Inc. Is a NYSE-listed company in the Technology sector, operating within the Computer Software: Prepackaged Software industry..1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-07-31), Guidewire Software Inc. (GWRE) reported $1.20B in annual revenue (up from $980.5M in FY2024, +22.6% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($905.3M revenue, $0 net income) through FY2025, GWRE scaled operating cash flow to $300.9M and free cash flow to $295.1M, backed by $2.69B in total assets against $531.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.25% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $102.30 – $231.85 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation and 95.0x EV/EBITDA against 3.4% operating margins and a 1.19x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context available is the Technology / Computer Software: Prepackaged Software classification and the stock's beta of 1.19 per the market data.

  • Key Question #1: Can GWRE sustain or expand its 3.4% operating margin and 2.0% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.20B and free cash flow of $295.1M, how will capital allocation balance growth reinvestment against $531.5M in total debt?
  • Key Question #3: How sensitive is GWRE's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.19x)?

GWRE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Guidewire Software Inc. (GWRE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GWRE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GWRE Bull vs. Bear Conversation Board — What's Your Call at $162.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GWRE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on GWRE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $198.36 (+22.0%)
📌 Pinned Debate

Forensic balance sheet scores 18 of 20 with an Altman Z of 7.24, a Piotroski F of 8/9, and Debt/Equity of 0.33, and revenue rose from $

Picked up a starter position in GWRE in my $100K Virtual Cash book at $162.59. Forensic balance sheet scores 18 of 20 with an Altman Z of 7.24, a Piotroski F of 8/9, and Debt/Equity of 0.33, and revenue rose from $905.3M in FY 2023 to $1.20B in FY 2025.. Trading inside a $102.30–$229.85 52-week range with 2.25% FCF yield gives solid downside support if Computer Software: Prepackaged Software multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@RiskArb_Desk Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (62.5%) holds, EPS grows into the multiple faster than bears think.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $138.20 (-15.0%)
Spot @ $162.59

Valuation & margin reality check on GWRE at $162.59 before chasing here

Valuation & margin reality check on GWRE at $162.59 before chasing here. Look at the math on GWRE: paying current EV/EBITDA multiples for 2.0% ROIC and 3.4% operating margins leaves zero margin of safety if Computer Software: Prepackaged Software demand softens. I'd wait for a retest of $143.08 before getting long.

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