-0.12%
24.64%
13.56%
41.83%
86.01%
105.92%
85.23%
AI Spotlight on GWRE
Company Description
Guidewire Software, Inc.provides software products for property and casualty insurers worldwide.The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications.
It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed.In addition, the company offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products.Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims.
Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services.The company was founded in 2001 and is headquartered in San Mateo, California.
Market Data
| Last Price | 211.27 |
| Change Percentage | -0.12% |
| Open | 212.82 |
| Previous Close | 211.53 |
| Market Cap ( Millions) | 17645 |
| Volume | 1082468 |
| Year High | 215.45 |
| Year Low | 107 |
| M A 50 | 184.79 |
| M A 200 | 157.58 |
Financial Ratios
| FCF Yield | 1.08% |
| Dividend Yield | 0.00% |
| ROE | 2.34% |
| Debt / Equity | 77.55% |
| Net Debt / EBIDTA | 275.02% |
| Price To Book | 13.87 |
| Price Earnings Ratio | 584.37 |
| Price To FCF | 92.46 |
| Price To sales | 17.03 |
| EV / EBITDA | 306.45 |
News
- Jan -27 - Guidewire Appoints Jeff Sloan as Board Member
- Jan -24 - Guidewire Software (GWRE) Surges 11.5%: Is This an Indication of Further Gains?
- Jan -23 - Why Is Guidewire (GWRE) Stock Soaring Today
- Jan -23 - Top 3 Tech Stocks That Are Ticking Portfolio Bombs
- Jan -22 - Guidewire Software Set to Join S&P MidCap 400; Arrowhead Pharmaceuticals to Join S&P SmallCap 600
- Jan -22 - HazardHub Winter Weather Data Helps Insurers and Homeowners Prepare for Top Seasonal Risks
- Jan -21 - Q3 Earnings Highlights: Guidewire (NYSE:GWRE) Vs The Rest Of The Vertical Software Stocks
- Jan -20 - Q3 Earnings Roundup: Manhattan Associates (NASDAQ:MANH) And The Rest Of The Vertical Software Segment
- Jan -16 - Exploring 3 High Growth Tech Stocks In The United States
- Jan -14 - Guidewire Software Low Valuation And Resilient Growth
- Jan -14 - EcoClaim Named to Guidewire Insurtech Vanguards Program
- Jan -10 - Guidewire PartnerConnect Ecosystem Surpasses 110 Cloud-Native Integrations, Enables Insurers to Accelerate Business Growth and Unlock New Opportunities
- Jan -10 - Guidewire PartnerConnect Ecosystem Surpasses 110 Cloud-Native Integrations, Enables Insurers to Accelerate Business Growth and Unlock New Opportunities
- Jan -06 - Guidewire Software (GWRE) Surged Due to Better Than Expected Results
- Jan -03 - Zacks Industry Outlook Cognizant, Tyler, Guidewire and Q2 Holdings
- Jan -02 - 4 Stocks to Watch From the Robust Business-Software Services Industry
- Dec -31 - Can Guidewire Stock Sustain Momentum After Rallying 55% This Year?
- Dec -20 - DvSum Joins Guidewire's Insurtech Vanguards to Address Critical Gaps in Data Management and Efficiency for Insurers
- Dec -20 - Guidewire Software’s (GWRE) Strong Results Showcase its Cloud Platform’s Continued Growth
- Dec -20 - Three Reasons Why GWRE is Risky and One Stock to Buy Instead
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Subscription
Expected Growth : 12 %
What the company do ?
Guidewire's Subscription is a cloud-based, API-enabled platform for insurers to manage and optimize their insurance products, pricing, and underwriting rules.
Why we expect these perspectives ?
Guidewire Software's subscription growth is driven by increasing adoption of cloud-based insurance platforms, rising demand for digital transformation in the insurance industry, and the company's expanding partner ecosystem. Additionally, the growing need for insurers to modernize their legacy systems and improve operational efficiency is fueling demand for Guidewire's subscription-based services.
Segment n°2 -> Term License
Expected Growth : 10 %
What the company do ?
Term License from Guidewire Software, Inc. is a limited period license to use Guidewire's software, typically 1-3 years, with recurring fees.
Why we expect these perspectives ?
Guidewire Software's Term License growth is driven by increasing demand for cloud-based insurance platforms, expansion into new markets, and growing adoption of digital transformation initiatives by insurance companies. Additionally, the company's strong brand reputation, innovative products, and strategic partnerships contribute to its growth momentum.
Segment n°3 -> Services
Expected Growth : 9 %
What the company do ?
Guidewire Software, Inc. offers a suite of services, including implementation, consulting, and training, to support insurance companies in deploying and optimizing Guidewire products.
Why we expect these perspectives ?
Guidewire Software's 9% growth is driven by increasing demand for cloud-based insurance platforms, expansion into new markets, and growing adoption of digital transformation in the insurance industry. Additionally, the company's strong brand reputation, innovative products, and strategic partnerships contribute to its growth momentum.
Segment n°4 -> Support
Expected Growth : 8 %
What the company do ?
Guidewire Software, Inc. offers comprehensive support, including online resources, training, and consulting services, to ensure successful implementation and utilization of their insurance industry software solutions.
Why we expect these perspectives ?
Guidewire Software, Inc.'s support fuels growth through increased adoption of its insurance platform, driven by rising demand for digital transformation, cloud-based solutions, and data analytics in the insurance industry. Additionally, strategic acquisitions, expanded partnerships, and innovative product offerings contribute to the company's accelerated growth.
Segment n°5 -> Perpetual License
Expected Growth : 7 %
What the company do ?
A perpetual license from Guidewire Software, Inc. is a one-time payment for unlimited use of their insurance industry software, with no expiration or renewal fees.
Why we expect these perspectives ?
Guidewire's Perpetual License growth is driven by increasing adoption of cloud-based insurance platforms, rising demand for digital transformation in the insurance industry, and the company's expanding global presence. Additionally, the growing need for core system replacements, increasing investments in InsurTech, and strategic partnerships are contributing to the 7% growth rate.
Guidewire Software, Inc. Products
| Product Range | What is it ? |
|---|---|
| Guidewire PolicyCenter | A policy administration system that enables insurers to manage and optimize their policy lifecycle, from product definition to policy issuance and maintenance. |
| Guidewire ClaimCenter | A claims management system that enables insurers to manage and optimize their claims lifecycle, from first notice of loss to settlement and closure. |
| Guidewire BillingCenter | A billing and receivables management system that enables insurers to manage and optimize their billing and payment processes. |
| Guidewire DataHub | A data management system that enables insurers to integrate, manage, and analyze their data from various sources. |
| Guidewire Digital Engagement Platform | A digital engagement platform that enables insurers to create omnichannel experiences for their customers, agents, and brokers. |
| Guidewire InsuranceSuite | A comprehensive insurance platform that integrates policy, claims, and billing management, enabling insurers to manage their entire insurance lifecycle. |
Guidewire Software, Inc.'s Porter Forces
Threat Of Substitutes
Guidewire Software, Inc. operates in the software industry, which is characterized by a moderate threat of substitutes. While there are alternative software solutions available, Guidewire's products are highly specialized and customized to meet the needs of the insurance industry, making it difficult for substitutes to replicate their functionality.
Bargaining Power Of Customers
Guidewire Software, Inc. has a diverse customer base, including large and small insurance companies. However, the company's products are highly customized and integrated into customers' systems, making it difficult for customers to switch to alternative solutions, thereby reducing their bargaining power.
Bargaining Power Of Suppliers
Guidewire Software, Inc. has a diverse supplier base, and the company is not heavily dependent on a single supplier. Additionally, the company's products are highly specialized, making it difficult for suppliers to exert significant bargaining power.
Threat Of New Entrants
The software industry, particularly the insurance industry, has high barriers to entry, including significant capital requirements, complex technology, and regulatory hurdles. These barriers make it difficult for new entrants to compete with established players like Guidewire Software, Inc.
Intensity Of Rivalry
The software industry is highly competitive, with many established players competing for market share. Guidewire Software, Inc. operates in a niche market, but still faces intense competition from other software providers, which drives innovation and pricing pressure.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 31.21% |
| Debt Cost | 3.95% |
| Equity Weight | 68.79% |
| Equity Cost | 9.63% |
| WACC | 7.86% |
| Leverage | 45.36% |
Guidewire Software, Inc. : Quality Control
Guidewire Software, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| WK | Workiva Inc., together with its subsidiaries, provides cloud-based compliance and regulatory reporting solutions worldwide. The company offers Workiva platform that offers controlled collaboration, data linking, data integrations, granular permissions, process … |
| RNG | RingCentral, Inc. provides software-as-a-service solutions that enable businesses to communicate, collaborate, and connect in North America. The company offers business cloud communications and contact center solutions based on its Message … |
| DUOL | Duolingo, Inc. develops a language-learning website and mobile app in the United States and China. The company offers courses in 40 different languages, including Spanish, English, French, Japanese, German, Italian, … |
| APPF | AppFolio, Inc., together with its subsidiaries, provides cloud business management solutions for the real estate industry. The company offers AppFolio Property Manager, a platform to leverage process automation, easy to … |
| LYFT | Lyft, Inc. operates a peer-to-peer marketplace for on-demand ridesharing in the United States and Canada. The company operates multimodal transportation networks that offer riders personalized and on-demand access to various … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Workiva
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RingCentral
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Duolingo
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4
AppFolio
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5
Guidewire Software
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6
