Guidewire Software provides software solutions for property and casualty insurers. Flagship product InsuranceSuite is an on-premises system of record and comprises ClaimCenter, a claims management system; PolicyCenter, a policy management system including policy definitions, quotas, issuance, maintenance, and renewal; and BillingCenter, for billing management, payment plans, and agent commissions. The company also offers InsuranceNow, a cloud-based offering, as well as a variety of other add-on applications.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	1.78
Equity-to-Asset	0.62
Debt-to-Equity	0.35
Debt-to-EBITDA	-9.98
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	7.85	Distress Grey Safe
Beneish M-Score	-2.98	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.1
	3-Year EPS without NRI Growth Rate	-34.8
	3-Year FCF Growth Rate	-37.7
	3-Year Book Growth Rate	-9.5
	Future 3-5Y EPS without NRI Growth Rate	60.96
	Future 3-5Y Total Revenue Growth Rate	11.13

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	3.45
	Quick Ratio	3.45
	Cash Ratio	2.53
	Days Sales Outstanding	49.6
	Days Payable	26.71

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	1.13

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	55.88
	Operating Margin %	-10.58
	Net Margin %	-5.48
	FCF Margin %	11.06
	ROE %	-4.17
	ROA %	-2.57
	ROIC %	-5.62
	ROC (Joel Greenblatt) %	-56.51
	ROCE %	-3.9
	Years of Profitability over Past 10-Year	5

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	64.36
	PE Ratio without NRI	143.68
	PS Ratio	10.06
	PB Ratio	7.44
	Price-to-Tangible-Book	10.72
	Price-to-Free-Cash-Flow	91.25
	Price-to-Operating-Cash-Flow	76.64
	EV-to-EBIT	-137.54
	EV-to-EBITDA	-205.17
	EV-to-Revenue	9.71
	EV-to-FCF	89.07
	Price-to-Projected-FCF	6.16
	Price-to-Median-PS-Value	0.95
	Price-to-Graham-Number	8.27
	Price-to-Net-Current-Asset-Value	30.88
	Price-to-Net-Cash	457.71
	Earnings Yield (Greenblatt) %	-0.73
	FCF Yield %	1.09
	Forward Rate of Return (Yacktman) %	-4.89

GF Value: $113.19

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