GWRE

$125.99

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 7.28% trendline growth.
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$79.08

With 20% Margin of Safety (MoS):

$63.26
-49.79% downside
Capital Efficiency
Average Quarterly ROIC
2.46%
Cost of Capital (estimated)9%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
40
BearishWeighted across 6 signals
DCF Discount
49.8% premium to price
0
FCF Yield
2.9% trailing FCF yield
21
ROIC vs WACC
ROIC 2.5% vs WACC 9.0% (0.3x)
14
Net Debt / FCF
Net cash position
100
Buybacks
Share count growing
30
FCF CAGR (5Y)
17.1% 5Y FCF CAGR
100
Strengths: Net Debt / FCF, FCF CAGR (5Y). Concerns: DCF Discount, FCF Yield.
Narrative Score
56
Weak
Weighted across 5 recent drivers · Last 30 days-1 vs previousVs 6-Month Baseline: High (82th pct)
Trend: StableConfidence: 89%Updated: 4h ago
Sources: 40 (News 31 · Analyst 9)
Drivers
2 downgrade headlines+0.3
7 regulatory scrutiny+0.3
22 news sentiment+0.0
Analyst upgrades+0.0
8 analyst reiterations0.0
Other Metrics
P/E116.1
Profit Margin7.2%
Owner Earnings$126.02m
One Dollar Premise0.00%
Debt/Equity0.85
Current Ratio2.98
PEG3.707
Free Cash Flow (in millions)
200820092010201120122013201420152016201720182019202020212022202320242025
-$2$13$12$30$23$42$80$70$107$144$152$165$139$140-$16$56$214$306
How Intrinziq Estimates Fair Value

Intrinziq estimates Guidewire Software, Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Guidewire Software, Inc.Technology

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.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.
Guidewire Software, Inc. (GWRE) Intrinsic Value & DCF Valuation | Intrinziq