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Guidewire Software Q4 earnings call highlights. September 3, 2026 Key points. * Strong fiscal 2026 performance: Guidewire ended the year with ARR of $1.237 billion, up 19% year over year on a constant-currency basis, while cloud ARR grew 35% and reached 84% of total ARR. Revenue rose 23% to $1.475 billion, and operating cash flow increased 30% to $390 million. * Cloud and AI adoption expanded: Nationwide agreed to migrate its full InsuranceSuite estate to Guidewire Cloud and adopted PricingCenter, while ProNavigator secured 28 customer wins during the year. Management said AI products are gaining traction primarily through cross-selling to existing customers. * Fiscal 2027 outlook remains positive: Guidewire forecasts ARR of $1.45 billion to $1.46 billion, revenue of $1.707 billion to $1.727 billion, and operating cash flow of $445 million to $465 million. More than half of projected net new ARR is already contracted with defined ramp dates. * Interested in Guidewire Software? Here are five stocks we like better. Guidewire Software NYSE: GWRE closed fiscal 2026 with annual recurring revenue, or ARR, above its guidance range, supported by cloud migrations, low customer attrition and demand for newer artificial intelligence and pricing products. Chief Executive Officer Mike Rosenbaum said ARR ended the fiscal year at $1.242 billion, up 19% year over year on a constant-currency basis. After a $5 million foreign-exchange adjustment at year-end, ARR was $1.237 billion, Chief Financial Officer Jeff Cooper said. Fully ramped ARR, which reflects the annualized value of customer contracts once fully deployed, rose 22% on a constant-currency basis. The company reported 26 core deals in the fourth quarter and 62 for the full fiscal year, covering PolicyCenter, ClaimCenter, BillingCenter or InsuranceNow. Guidewire's cloud ARR grew 35% year over year and represented 84% of total ARR, Cooper said. Nationwide migration and product expansion. A key fourth-quarter agreement came from Nationwide, which signed a multiyear deal to move its full InsuranceSuite estate to Guidewire Cloud Platform. Nationwide also selected PricingCenter for personal-lines pricing and rating, becoming Guidewire's first U.S. tier-one PricingCenter customer, according to the company. Rosenbaum said the Nationwide relationship, which spans more than a decade, validates Guidewire's ability to support large insurers in the cloud. He added that the PricingCenter deployment is expected to test the product's capability and scale for other tier-one insurers. Guidewire closed eight PricingCenter deals during the fourth quarter and 12 for the full year. Other customers selecting or expanding PricingCenter included Capital Insurance Group, Shelter Insurance and Achmea Farm Insurance in Australia. A longstanding customer in Finland became the company's first existing InsuranceSuite customer in Europe to adopt the product. President John Mullen said the pricing market is fragmented, with insurers generally using multiple established rating and pricing tools rather than internally developed systems. He said PricingCenter's integration with PolicyCenter, Advanced Product Designer and Guidewire's data platform is intended to help insurers make pricing changes more quickly and accurately. AI products gain commercial traction. Guidewire also highlighted early demand for ProNavigator, an AI-driven assistance product embedded in ClaimCenter and PolicyCenter workflows. The company recorded 14 ProNavigator wins in the fourth quarter and 28 for the full year. Discover more Stock Screener Tool Live News Feed My Portfolio Tracker Customers adopting ProNavigator included MAPFRE US, Definity, Alfa Insurance and Hollard in Australia. Mullen said customers are using the product for insurance-domain AI capabilities, claims and adjuster experiences, and as an alternative to internally developed tools. Rosenbaum said ProNavigator's early momentum was primarily from cross-selling into Guidewire's installed base. Over time, he said, the product could differentiate Guidewire's core systems in new customer opportunities, rather than necessarily serving as a standalone entry point. The company also said developer assistants are now available to customers and partners, while its Qusar release introduced an agentic platform designed to let insurers build AI agents tailored to their existing Guidewire implementations and workflows. Management emphasized that Guidewire intends to support open architectures and integrations with third-party AI systems, while positioning its core platform as a source of structured insurance data and operational context. Fiscal 2026 revenue, profits and cash flow. For fiscal 2026, Guidewire reported total revenue of $1.475 billion, up 23% year over year. Subscription revenue rose 37% to $916 million, while subscription and support revenue increased 33% to $971 million. License revenue declined 7% to $235 million as customers continued transitioning from term licenses to cloud subscriptions. Services revenue increased 23% to $270 million. * Non-GAAP gross profit rose 25% to $990 million, with an overall gross margin of 67%. * Subscription and support gross margin expanded four percentage points to 74.5%. * Non-GAAP operating income increased 63% to $340 million. * Operating cash flow grew 30% to $390 million. * Guidewire ended the period with $1.2 billion in cash equivalents and investments. The company repurchased $606 million of stock during fiscal 2026, representing 4.1 million shares at an average price of $148.41 per share. Rosenbaum also pointed to gross ARR attrition of less than 1.5% across all ARR and less than 1% among core-systems customers. Cooper said Guidewire had 105 customers with fully ramped ARR above $5 million at fiscal year-end, compared with 86 at the end of fiscal 2025. Fiscal 2027 outlook. For fiscal 2027, Guidewire forecast ARR of $1.45 billion to $1.46 billion, representing 18% constant-currency growth at the midpoint. More than half of the net new ARR included in the outlook is already under contract with defined ramp dates, Cooper said. The company expects total revenue of $1.707 billion to $1.727 billion, including subscription and support revenue of $1.240 billion to $1.246 billion. Guidewire expects license revenue of about $189 million and services revenue of about $285 million. Guidewire forecast non-GAAP operating income of $403 million to $423 million, GAAP operating income of $197 million to $217 million, and operating cash flow of $445 million to $465 million. It expects subscription and support gross margin of 75% to 76% and total gross margin of 67% to 68%. For the first quarter, the company projected ARR of $1.253 billion to $1.259 billion and subscription and support revenue of $279 million to $283 million. Cooper said first-quarter subscription and support margin should be about 77%, aided by roughly $4 million in cloud-infrastructure-provider credits, while services margin is expected to be around break-even due in part to the timing of fixed-fee services engagements. Cooper also said Chief Accounting Officer David Pedersen plans to retire in early November. About Guidewire Software (NYSE:GWRE). Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company's offerings are designed to help insurers manage the core functions of their business - policy administration, billing and claims - while supporting digital engagement, analytics and operational modernization. Guidewire's core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Continue following MarketBeat Before you consider Guidewire Software, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Guidewire Software wasn't on the list. 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Van ECK Associates Corp takes position in Guidewire Software, Inc. $GWRE. August 29, 2026 Key points. * Van ECK Associates Corp acquired 1,215,855 Guidewire shares worth approximately $149.6 million, representing about 1.46% of the company. Other major institutions also initiated or increased positions during the period. * Guidewire reported strong operating momentum, with annual recurring revenue up 19% year over year to roughly $1.147 billion and fiscal 2026 revenue guidance raised to $1.460-$1.470 billion. Guggenheim subsequently raised its price target to $210 and maintained a Buy rating. * The stock remains richly valued at more than 100 times earnings, making the upcoming September 3 earnings release and fiscal 2027 outlook important catalysts. Recent insider sales and mixed analyst price-target changes add caution despite the stock's Moderate Buy consensus rating. * Five stocks to consider instead of Guidewire Software. Van ECK Associates Corp purchased a new position in Guidewire Software, Inc. (NYSE:GWRE - Free Report) in the second quarter, according to its most recent Form 13F filing with the Securities & Exchange Commission. The institutional investor purchased 1,215,855 shares of the technology company's stock, valued at approximately $149,611,000. Van ECK Associates Corp owned approximately 1.46% of Guidewire Software at the end of the most recent reporting period. A number of other institutional investors and hedge funds have also recently added to or reduced their stakes in GWRE. Bamco Inc. NY acquired a new stake in shares of Guidewire Software during the 2nd quarter valued at $1,106,768,000. Linonia Partnership LP purchased a new position in shares of Guidewire Software during the 2nd quarter valued at $853,165,000. Route One Investment Company L.P. acquired a new position in shares of Guidewire Software in the second quarter worth $227,564,000. Geode Capital Management LLC increased its stake in shares of Guidewire Software by 8.9% in the fourth quarter. Geode Capital Management LLC now owns 1,778,201 shares of the technology company's stock worth $357,504,000 after acquiring an additional 145,924 shares during the last quarter. Finally, Stockbridge Partners LLC increased its stake in shares of Guidewire Software by 39.0% in the fourth quarter. Stockbridge Partners LLC now owns 1,445,206 shares of the technology company's stock worth $290,501,000 after acquiring an additional 405,850 shares during the last quarter. Key Guidewire Software news. Here are the key news stories impacting Guidewire Software this week: * Guggenheim raised its price target for Guidewire Software (GWRE) from $180 to $210 and maintained a Buy rating. The analyst expects the company to meet or potentially exceed fourth-quarter estimates, supported by recurring-revenue growth and continued migration of insurers to Guidewire's cloud platform. * Fundamental momentum remains favorable. Guidewire recently reported annual recurring revenue of approximately $1.147 billion, up 19% year over year, and raised its fiscal 2026 revenue outlook to $1.460 billion-$1.470 billion. New cloud capabilities, including AI-agent functionality, and insurer migration activity are reinforcing the long-term growth narrative. * The September 3 earnings release is the next major catalyst. Wall Street expects earnings growth, although a Zacks preview said Guidewire lacks the usual combination of indicators associated with a likely earnings beat. Investors will also watch initial fiscal 2027 guidance for evidence that cloud momentum is continuing. * Institutional activity has been mixed, with some large investors adding shares while others reduced positions. At a valuation above 100 times earnings, the stock may remain particularly sensitive to earnings execution and forward guidance. * Chief Accounting Officer David Franklin Peterson sold 2,500 shares for $500,000, reducing his position by about 20%. The sale was made under a pre-arranged Rule 10b5-1 plan, which makes it a weaker discretionary bearish signal. However, recent sales by other executives and the absence of reported insider purchases create an overhang. Guidewire Software stock up 2.3%. GWRE stock opened at $205.81 on Friday. The firm has a market cap of $17.14 billion, a PE ratio of 111.25 and a beta of 0.92. Guidewire Software, Inc. has a 1 year low of $102.30 and a 1 year high of $272.60. The company has a fifty day simple moving average of $152.89 and a 200 day simple moving average of $144.13. The company has a current ratio of 2.44, a quick ratio of 2.44 and a debt-to-equity ratio of 0.51. Discover more Analyst Ratings Analysis Stock Market Holidays Guidewire Software (NYSE:GWRE - Get Free Report) last posted its earnings results on Thursday, June 4th. The technology company reported $0.82 EPS for the quarter, topping the consensus estimate of $0.74 by $0.08. Guidewire Software had a net margin of 11.25% and a return on equity of 12.62%. The firm had revenue of $372.54 million for the quarter, compared to the consensus estimate of $355.92 million. During the same period in the prior year, the business posted $0.88 earnings per share. The business's quarterly revenue was up 26.9% on a year-over-year basis. Sell-side analysts anticipate that Guidewire Software, Inc. will post 1.83 EPS for the current fiscal year. Insider buying and selling at Guidewire Software. In related news, insider James Winston King sold 1,684 shares of the business's stock in a transaction that occurred on Thursday, July 9th. The stock was sold at an average price of $130.64, for a total value of $219,997.76. Following the completion of the sale, the insider directly owned 30,018 shares in the company, valued at approximately $3,921,551.52. The trade was a 5.31% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CEO Michael George Rosenbaum sold 5,830 shares of the company's stock in a transaction that occurred on Tuesday, June 16th. The stock was sold at an average price of $118.74, for a total value of $692,254.20. Following the sale, the chief executive officer directly owned 199,776 shares of the company's stock, valued at $23,721,402.24. The trade was a 2.84% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Insiders have sold a total of 47,093 shares of company stock worth $7,131,278 in the last 90 days. Company insiders own 0.46% of the company's stock. Analyst Ratings changes. A number of research firms recently issued reports on GWRE. Wells Fargo & Company reduced their price objective on Guidewire Software from $210.00 to $190.00 and set an "overweight" rating for the company in a research report on Friday, June 5th. Citizens Jmp cut their price target on Guidewire Software from $300.00 to $220.00 and set a "market outperform" rating for the company in a research note on Friday, June 5th. Guggenheim lifted their price target on Guidewire Software from $180.00 to $210.00 and gave the company a "buy" rating in a report on Thursday. The Goldman Sachs Group lowered their price target on Guidewire Software from $255.00 to $225.00 and set a "buy" rating for the company in a research note on Friday, June 5th. Finally, Weiss Ratings restated a "hold (c)" rating on shares of Guidewire Software in a report on Wednesday, June 3rd. Thirteen equities research analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company's stock. Based on data from MarketBeat, the stock currently has an average rating of "Moderate Buy" and an average price target of $223.79. Guidewire Software profile. Guidewire Software, Inc develops software products and cloud services for property and casualty (P&C) insurance carriers. Headquartered in San Mateo, California, the company's offerings are designed to help insurers manage the core functions of their business - policy administration, billing and claims - while supporting digital engagement, analytics and operational modernization. Guidewire's core product portfolio is commonly known as the InsuranceSuite, which includes PolicyCenter for policy administration, BillingCenter for billing and receivables, and ClaimCenter for claims management. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Continue following MarketBeat Before you consider Guidewire Software, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Guidewire Software wasn't on the list. 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Guidewire wins eight Celent XCelent awards for P&C Claims excellence. Aug 19, 2026, 16:15 ET Named a "Luminary" across global reviews for Guidewire ClaimCenter SAN MATEO, Calif., Aug. 19, 2026 /PRNewswire/ - Guidewire (NYSE: GWRE) today announced that Guidewire ClaimCenter has earned eight Celent XCelent awards and been named a "Luminary" in all four regional Celent Claims Systems Vendors reports. The "Luminary" designation is Celent's highest distinction and recognizes the sophistication and breadth of a vendor's technology and functionality. InsuranceNow was named a Functionality Standout in the 2026 North America report. Across all global regions, Guidewire received the most XCelent awards of any vendor. "Guidewire ClaimCenter is a leading claims management system, delivering comprehensive functionality to meet the evolving needs of P&C insurers. Its capabilities have earned Guidewire Luminary recognition across the North America, EMEA, APAC, and LATAM editions of the 2026 Celent Claims Systems Vendor reports, along with eight XCelent awards," said Harry Huberty, Senior Analyst - North America, Celent and co-author of the reports. "We also recognize Guidewire InsuranceNow for its Functionality Standout distinction in the 2026 North America report, highlighting its ability to help insurers modernize core operations with a flexible, user-friendly platform." Celent, a global research and advisory firm serving the financial services industries, recognized Guidewire ClaimCenter with the following XCelent awards across its Claims Systems Vendors reports: * XCelent Advanced Technology 2026 * XCelent Breadth of Functionality 2026 * XCelent Customer Base and Support 2026 P&C Claims Systems: APAC Edition * XCelent Breadth of Functionality 2026 * XCelent Customer Base and Support 2026 P&C Claims Systems: EMEA Edition * XCelent Breadth of Functionality 2026 * XCelent Customer Base and Support 2026 P&C Claims Systems: LATAM Edition * XCelent Breadth of Functionality 2026 In the Celent Technical Capability Matrix for each region, ClaimCenter is placed in the following categories: * APAC - Luminary * EMEA - Luminary * NAM - Luminary * LATAM - Luminary In the Celent Technical Capability Matrix for North America, InsuranceNow is placed in the following category: * Functionality Standout "We're grateful to our customers whose feedback shapes ClaimCenter and InsuranceNow, and we thank Celent for recognizing the breadth and depth of these applications," said Brian Desmond, CMO, Guidewire. "We're excited to keep building, embedding AI deeper into claims workflows so teams can work faster and smarter." About Guidewire Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. More than 570 insurers in 43 countries, from new ventures to the largest and most complex in the world, rely on Guidewire products. With core systems leveraging data and analytics, digital, and artificial intelligence, Guidewire defines cloud platform excellence for P&C insurers. We are proud of our unparalleled implementation record, with 1,700+ successful projects supported by the industry's largest R&D team and SI partner ecosystem. Our marketplace represents the largest partner community in P&C, where customers can access hundreds of applications to accelerate integration, localization, and innovation. Melissa Cobb Director, Public Relations Guidewire Software, Inc. +1.650.464.1177 [email protected] SOURCE Guidewire Software