GWRE - Guidewire Software, Inc.

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Revenue Growth YoY (%)	22.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	8.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	11.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	9.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-22%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	26.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+125%)	21.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	11.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	16.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	29.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	34.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	19.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+60%)	—	—
EPS Growth YoY (%)	N/M	94.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-173.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-139.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	38.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	51.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-65.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	159.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	94.5% Excellent ↑ Excellent Improving Year-over-year change in net income	38.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-171.3% Weak Weak Year-over-year change in net income	-144.5% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	41.7% Excellent ↑ Excellent Improving Year-over-year change in net income	51.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.9% Weak ↓ Weak Declining Year-over-year change in net income	-40.3% Weak ↓ Weak Declining Year-over-year change in net income	62.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-57.3% Weak Weak Year-over-year change in net income	129.1% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	52.9% Excellent Excellent Year-over-year change in free cash flow	480.6% Excellent Excellent Year-over-year change in free cash flow	N/M	N/M	0.1% Caution ↑ Caution Improving Year-over-year change in free cash flow	26.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-48.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	-4.9% Weak ↓ Weak Declining Year-over-year change in free cash flow	37.7% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	57.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-23.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	159.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	25.5% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	-81.4% Weak Weak Year-over-year change in free cash flow	228.6% Excellent Excellent Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	14.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.8% Fair → Fair Stable Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	13.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	19.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	26.6% Excellent Excellent Compound annual revenue growth over 3 years	27.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.7% Excellent Excellent Compound annual revenue growth over 5 years	21.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	—	6.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	—	9.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-21.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-35.8% Weak Weak Compound annual EPS growth over 3 years	11.2% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Operating Margin (%) (%)	3.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	-5.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-16.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-183%)	-24.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-223%)	-14.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-171%)	-3.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	0.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	-2.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	5.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	3.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	5.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	9.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	4.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	12.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
Effective Tax Rate (%) (%)	-41.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	77.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-11.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-66.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-223.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-328.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	-0.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	-12.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-182%)	-22.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-248%)	-8.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	-3.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	-4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	4.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	3.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	4.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	8.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	20.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	10.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—
FCF Margin (%) (%)	24.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.3% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-5.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.5% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.4% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.9% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	20.1% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	25.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	15.1% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	20.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.8% Caution → Caution Stable Free cash flow as a percentage of revenue Optimal: > 10%	4.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	14.4% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	5.0% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	4.23x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-31.03x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.29x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.26x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.39x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-3.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.43x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-4.90x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	6.19x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.20x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.80x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	4.79x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.95x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.75x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.70x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.47x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Return on Invested Capital (%)	4.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-7.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-8.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-3.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	11.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	8.4% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	162.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	-62.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-8.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-4.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	9.7% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	8.3% Fair Fair Operating profit relative to total assets Optimal: > 10%	5.4% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	-0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	-9.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-150%)	-12.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-167%)	-4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	-1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	-1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	11.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	195.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+959%)	-61.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-434%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Debt to Equity (x)	—	0.30x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-26%)	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.20x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.20x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	—	—	—	—	—	—	—	—	—
Interest Coverage (x)	3.11x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	-7.80x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-22.26x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-10.26x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-5.64x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.33x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.08x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-2.43x Weak Weak Operating income divided by interest expense Optimal: > 5x	2047.08x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—
Net Debt (USD)	$-697.90M	$-149.09M	$-4.64M	$-248.09M	$-41.09M	$-36.76M	$63.22M	$-132.01M	$-263.18M	$-223.58M	$-212.36M	$-148.10M	$-79.77M	$-205.72M	$-59.62M	$-37.41M	$-27.59M
Debt / EBITDA (x)	—	-8.73x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-3.51x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.93x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-3.75x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-35.18x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	28.41x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-38.51x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Revenue per Share (USD)	$14.34	$11.91	$11.02	$9.72	$8.89	$8.96	$8.83	$8.40	$6.95	$5.89	$5.43	$5.33	$5.34	$6.67	$12.26	$10.69	—
Basic EPS, GAAP (USD)	$0.83	$-0.07	$-1.36	$-2.16	$-0.79	$-0.33	$0.25	$-0.34	$0.29	$0.21	$0.14	$0.22	$0.44	$0.29	$0.83	$0.32	—
Free Cash Flow per Share (USD)	$3.52	$2.30	$0.40	$-0.57	$1.11	$1.11	$0.87	$1.69	$1.77	$1.29	$0.82	$1.07	$0.41	$0.33	$1.77	$0.54	—
Book Value per Share (USD)	$17.24	$16.17	$14.73	$17.26	$18.57	$19.85	$19.16	$17.54	$11.91	$10.73	$9.71	$9.42	$3.83	$3.41	$1.26	$-1.86	—
Tangible Book Value per Share (USD)	$12.44	$11.58	$9.98	$12.58	$14.24	$15.29	$14.20	$12.12	$9.07	$10.13	$9.52	$9.21	$3.56	$3.41	$1.26	$-1.86	—
Basic Weighted Avg Shares (shares)	83.85M	82.29M	82.18M	83.57M	83.58M	82.86M	81.45M	77.71M	73.99M	72.03M	70.08M	65.75M	56.33M	34.77M	14.06M	13.54M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Working Capital (USD)	$962.61M	$457.90M	$726.34M	$915.18M	$1.05B	$1.12B	$1.10B	$984.30M	$515.62M	$588.59M	$557.24M	$421.04M	$135.31M	$169.28M	$12.54M	—	—
LT Debt (USD)	—	$398.90M	$397.17M	$358.22M	$343.82M	$330.21M	$317.32M	$305.13M	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$1.46B	$1.34B	$1.20B	$1.45B	$1.54B	$1.66B	$1.57B	$1.41B	$893.28M	$783.93M	$689.39M	$650.69M	$221.83M	$183.96M	$18.15M	$-25.14M	$-44.65M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Jul 31, 2025 10-K ↗	FY 2024 Jul 31, 2024 10-K ↗	FY 2023 Jul 31, 2023 10-K ↗	FY 2022 Jul 31, 2022 10-K ↗	FY 2021 Jul 31, 2021 10-K ↗	FY 2020 Jul 31, 2020 10-K ↗	FY 2019 Jul 31, 2019 10-K ↗	FY 2018 Jul 31, 2018 10-K ↗	FY 2017 Jul 31, 2017 10-K ↗	FY 2016 Jul 31, 2016 10-K ↗	FY 2015 Jul 31, 2015 10-K ↗	FY 2014 Jul 31, 2014 10-K ↗	FY 2013 Jul 31, 2013 10-K ↗	FY 2012 Jul 31, 2012 10-K ↗	FY 2011 Jul 31, 2011 10-K ↗	FY 2010 Jul 31, 2010 10-K ↗	FY 2009 Jul 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$1.20B	$980.50M	$905.34M	$812.61M	$743.27M	$742.31M	$719.51M	$652.85M	$514.28M	$424.45M	$380.54M	$350.25M	$300.65M	$232.06M	$172.47M	$144.69M	—
Depreciation Expense (USD)	$7.20M	$6.90M	$36.30M	$14.00M	$14.00M	$14.50M	$9.70M	$7.70M	$6.60M	$6.50M	$6.00M	$5.30M	$4.50M	$2.60M	$1.50M	—	—
Net Income, GAAP (USD)	$69.80M	$-6.10M	$-111.86M	$-180.43M	$-66.51M	$-27.20M	$20.73M	$-26.74M	$21.22M	$14.98M	$9.88M	$14.72M	$24.66M	$15.20M	$35.56M	$15.52M	—
Operating Cash Flow (USD)	$300.87M	$195.75M	$38.40M	$-37.94M	$111.59M	$113.07M	$116.13M	$140.46M	$137.16M	$99.90M	$63.68M	$75.49M	$32.55M	$17.09M	$27.69M	$9.53M	—

Guidewire Software, Inc.

Analytical Summary

17-Year Financial Trajectory

Health Breakdown

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Benchmark Lens

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Peer Comparison

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