Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| Guidewire Software, Inc.GWRE · business equipment | |
|---|---|
| Grade |  Bsecond fifth of 497 graded peers; percentile 37.7, sampling error 2.2 points; lower is stronger |
| Rank | 188 of 497 |
| Profitability | Cpercentile 52.5 |
| Solvency | Cpercentile 48.7 |
| Growth and financing | Bpercentile 34.1 |
| Reliability | 0.91 AUCfailure model, filers with $591M to $2.67B assets; 95% interval 0.88 to 0.94; 160 events, 2020 to 2025 |
| Peer failure rate | 1.01% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | $591M to $2.67B assetstotal assets $2.6B[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none active · fortress balance sheet |
| Inputs computable | 12 of 14 |
| Graded from | filings received through Sep 11, 202628 days before the rescan; every figure keyed to the SEC receipt date |
| Last close | $164.662026-10-08; market equity $13.5B; iex feed |
| Price used in grade | None |
| Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date. Open this report as it stood on | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Each date opens the report as it stood on that rescan. |
Business, in the company's words. Opening of Item 1 of the 10-K received Sep 11, 2026; the document on sec.gov.
Guidewire is the platform that property and casualty (“P&C”) insurers rely on to engage with customers, innovate, and operate more efficiently. Founded in 2001, we serve insurers of all sizes, ranging from global carriers to regional and local providers, helping them navigate a rapidly changing insurance market. Our foundational core products, InsuranceSuite and InsuranceNow, are delivered as a cloud-based subscription service leveraging our proprietary cloud platform which we refer to as Guidewire Cloud Platform (“GWCP”).
Warnings [top]
7 checks ran; none of them enters the letter. The checks are listed on the warnings screen.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 52.5 | |||||||
| Gross profitability | 36.8% | [1,5] | 28.5% | 32.5 | 558 | 2026-07-31 | |
| Return on invested capital | not computable | 10.9% | |||||
| latest aligned inputs end 2024-07-31; latest annual assets end 2026-07-31 | |||||||
| Accruals ratio | (9.5%) | [1,6-8] | (7.4%) | 44.5 | 621 | 2026-07-31 | |
| Gross margin stability, five years | 6.9 pts | [2,5,9-16] | 2.4 pts | 80.6 | 429 | 2026-07-31 | |
| Solvency, sleeve percentile 48.7 | |||||||
| Twelve-month failure probability | 0.07% | 0.05% | 64.0 | 101 | 2026-07-31 | ||
| Altman Z double-prime | 1.33 | [1,17-22] | 2.18 | 50.6 | 566 | 2026-07-31 | |
| Net debt to EBITDA | not computable | 1.11x | |||||
| EBITDA must exceed $100,000 | |||||||
| Interest coverage | 11.25x | [20,23] | 3.77x | 25.8 | 90 | 2026-07-31 | |
| Current ratio | 1.79x | [17-18] | 2.02x | 54.4 | 666 | 2026-07-31 | |
| Growth and financing, sleeve percentile 34.1 | |||||||
| Revenue growth, three-year compound | 17.7% | [2,10,12,14] | 6.4% | 21.8 | 538 | 2026-07-31 | |
| Free cash flow growth, three-year compound | 126.3% | [7,24-30] | 17.2% | 4.5 | 268 | 2026-07-31 | |
| Reinvestment rate | (343.5%) | [17-18,20,24,31-35] | 14.3% | 90.2 | 226 | 2026-07-31 | |
| Asset growth, three years | 8.3% | [1,8,36-37] | 5.0% | 37.9 | 563 | 2026-07-31 | |
| Net share issuance, one year | (3.0%) | [38-39] | 0.5% | 16.0 | 407 | 2026-08-31 | |
Gross profitability. Revenue less cost of goods sold, over total assets.
Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.
Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.
Twelve-month failure probability. CHS model; lower is stronger.
Net debt to EBITDA. Lower is stronger.
Net share issuance, one year. Split-adjusted; lower is stronger.
Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite -0.113; sampling error 2.2 percentile points on 497 peers.
Among 497 Peers [top]
Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 183 | Tyler Technologies Inc. (TYL) Tyler Technologies Inc. (TYL) Bsecond fifth; percentile 36.7 NYSE · Services-Prepackaged Software market equity $13.6B; last close $331.24 Warnings: fortress balance sheet; 14 of 14 inputs | 36.7 | B | fortress balance sheet |
| 184 | Roblox Corp. (RBLX) Roblox Corp. (RBLX) Bsecond fifth; percentile 36.9 NYSE · Services-Prepackaged Software market equity $32.5B; last close $45.54 Warnings: fortress balance sheet; 9 of 14 inputs | 36.9 | B | fortress balance sheet |
| 185 | Intest Corp. (INTT) Intest Corp. (INTT) Bsecond fifth; percentile 37.1 NYSE · Instruments For Meas & Testing of Electricity & Elec Signals market equity $180.8M; last close $14.47 Warnings: fortress balance sheet; 8 of 14 inputs | 37.1 | B | fortress balance sheet |
| 186 | R F Industries Ltd. (RFIL) R F Industries Ltd. (RFIL) Bsecond fifth; percentile 37.3 Nasdaq · Electronic Connectors market equity $90.9M; last close $8.38 No active warnings; 10 of 14 inputs | 37.3 | B | |
| 187 | Blackline, Inc. (BL) Blackline, Inc. (BL) Bsecond fifth; percentile 37.5 Nasdaq · Services-Prepackaged Software market equity $1.7B; last close $29.22 No active warnings; 10 of 14 inputs | 37.5 | B | |
| 188 | Guidewire Software, Inc. (GWRE) Guidewire Software, Inc. (GWRE) Bsecond fifth; percentile 37.7 NYSE · Services-Prepackaged Software market equity $13.5B; last close $164.66 Warnings: fortress balance sheet; 12 of 14 inputs | 37.7 | B | fortress balance sheet |
| 189 | Agilent Technologies, Inc. (A) Agilent Technologies, Inc. (A) B/Con the B/C boundary; percentile 37.9 NYSE · Laboratory Analytical Instruments market equity $47.4B; last close $168.14 No active warnings; 13 of 14 inputs | 37.9 | B/C | |
| 190 | Plexus Corp. (PLXS) Plexus Corp. (PLXS) B/Con the B/C boundary; percentile 38.1 Nasdaq · Printed Circuit Boards market equity $7.0B; last close $261.46 Warnings: fortress balance sheet; 10 of 14 inputs | 38.1 | B/C | fortress balance sheet |
| 191 | 10x Genomics, Inc. (TXG) 10x Genomics, Inc. (TXG) B/Con the B/C boundary; percentile 38.3 Nasdaq · Laboratory Analytical Instruments market equity $9.9B; last close $77.23 Warnings: fortress balance sheet; 8 of 14 inputs | 38.3 | B/C | fortress balance sheet |
| 192 | Silicon Laboratories Inc. (SLAB) Silicon Laboratories Inc. (SLAB) B/Con the B/C boundary; percentile 38.5 Nasdaq · Semiconductors & Related Devices market equity $7.4B; last close $221.75 No active warnings; 9 of 14 inputs | 38.5 | B/C | |
| 193 | Dell Technologies Inc. (DELL) Dell Technologies Inc. (DELL) B/Con the B/C boundary; percentile 38.7 NYSE · Electronic Computers market equity $367.7B; last close $575.00 No active warnings; 12 of 14 inputs | 38.7 | B/C |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | B | 28.6 | 2204 |
| sector peers, equal sleeves (the grade) | B | 37.7 | 497 |
| same exchange, equal sleeves | B | 29.3 | 984 |
| sector peers, equal inputs | B | 31.9 | 497 |
Each letter is one fifth of the 497 graded peers, about 99 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.
What the Price Implies [top]
Market measures at the 2026-10-08 close. None enters the grade. Percentile among graded peers with the same measure.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | (10.9%) | 2.2% | 40 | hotter than 40 of 100 peers |
| Distance from 52-week high | (35.2%) | (30.0%) | 42 | closer to its high than 42 of 100 peers |
| EBIT to enterprise value | 1.1% | 1.5% | 48 | pricier than 52 of 100 peers |
| Free cash flow yield | 2.8% | 2.7% | 51 | pricier than 49 of 100 peers |
| Book value to price | 0.09 | 0.23 | 24 | pricier than 76 of 100 peers |
| Sales to price | 0.11 | 0.30 | 22 | pricier than 78 of 100 peers |
| Composite equity issuance, five years | (1.3%) | 3.9% | 41 | more equity-funded than 41 of 100 peers |
| Relative strength against the sector, log excess return | (0.40) | (0.26) | 40 | ahead of 40 of 100 peers |
Inputs: market equity $13.5B; EBIT $149.9M; free cash flow $377.7M; book equity $1.2B; sales $1.5B; debt $398.9M; cash $372.9M[38].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: None of 9, period end 2026-07-31 | ||
|---|---|---|
| Return on assets above zero | 5.1% | ✓ pass[6,8] |
| Operating cash flow above zero | $389.7M | ✓ pass[7] |
| Return on assets improved | 2.0 pts | ✓ pass[6,8,36,40] |
| Operating cash flow exceeds net income | $250.4M | ✓ pass[6-7] |
| Long-term leverage fell | n/a[1,8,36] | |
| Current ratio improved | (98.1 pts) | ✗ fail[17-18,34-35] |
| No new shares issued | (3.0%) | ✓ pass[38-39] |
| Gross margin improved | 1.7 pts | ✓ pass[2,5,9-10] |
| Asset turnover improved | 0.2 pts | ✓ pass[2,8,10,36] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $372.9M[41] |
| Operating cash flow, four quarters | $389.7M[7,41-44] |
| Months of runway | not finite |
| trailing operating cash flow is nonnegative, so runway is not finite | |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 28 |
| 10-K received Sep 11, 2026 | |
| Median daily dollar volume | $201.3M |
| 63 sessions | |
| Days since newest grade input | 28 |
Downloads [top]
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Sources [top]
Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $2.6B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $1.5B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 3 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $548.0M | 2024-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 4 | total debt | us-gaap:LongTermDebt | $398.9M | 2024-07-31 | 2024-09-16 | 10-K | filing · viewer · series |
| 5 | gross profit | us-gaap:GrossProfit | $947.4M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 6 | net income | us-gaap:ProfitLoss | $139.3M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 7 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $389.7M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 8 | assets | us-gaap:Assets | $2.7B | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 9 | gross profit | us-gaap:GrossProfit | $752.1M | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 10 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $1.2B | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 11 | gross profit | us-gaap:GrossProfit | $583.4M | 2024-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 12 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $980.5M | 2024-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 13 | gross profit | us-gaap:GrossProfit | $458.2M | 2023-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 14 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $905.3M | 2023-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 15 | gross profit | us-gaap:GrossProfit | $377.2M | 2022-07-31 | 2024-09-16 | 10-K | filing · viewer · series |
| 16 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $812.6M | 2022-07-31 | 2024-09-16 | 10-K | filing · viewer · series |
| 17 | current assets | us-gaap:AssetsCurrent | $1.2B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 18 | current liabilities | us-gaap:LiabilitiesCurrent | $664.5M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 19 | retained earnings | us-gaap:RetainedEarningsAccumulatedDeficit | -$1.0B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 20 | operating income | us-gaap:OperatingIncomeLoss | $149.9M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 21 | book equity | us-gaap:StockholdersEquity | $1.2B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 22 | liabilities | us-gaap:Liabilities | $1.4B | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 23 | interest expense | us-gaap:InterestExpense | $13.3M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 24 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $12.1M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 25 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $300.9M | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 26 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $5.7M | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 27 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $195.7M | 2024-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 28 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $6.4M | 2024-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 29 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $38.4M | 2023-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 30 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $5.8M | 2023-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 31 | depreciation amortization | us-gaap:Depreciation | $8.8M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 32 | pretax income | us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | $164.1M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 33 | income tax | us-gaap:IncomeTaxExpenseBenefit | $24.8M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 34 | current assets | us-gaap:AssetsCurrent | $1.5B | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 35 | current liabilities | us-gaap:LiabilitiesCurrent | $544.8M | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 36 | assets | us-gaap:Assets | $2.2B | 2024-07-31 | 2025-09-11 | 10-K | filing · viewer · series |
| 37 | assets | us-gaap:Assets | $2.0B | 2023-07-31 | 2024-09-16 | 10-K | filing · viewer · series |
| 38 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 81,992,669 | 2026-08-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 39 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 84,530,578 | 2025-08-29 | 2025-09-11 | 10-K | filing · viewer · series |
| 40 | net income | us-gaap:ProfitLoss | $69.8M | 2025-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 41 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $372.9M | 2026-07-31 | 2026-09-11 | 10-K | filing · viewer · series |
| 42 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $105.8M | 2026-04-30 | 2026-06-05 | 10-Q | filing · viewer · series |
| 43 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $44.6M | 2026-01-31 | 2026-03-06 | 10-Q | filing · viewer · series |
| 44 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$67.4M | 2025-10-31 | 2025-12-04 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 37.7 is 2.3 points from the nearest band edge; sampling error is 2.2 points.
Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.
Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.
Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.
Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.
Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.
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