GWRE
Guidewire Software, Inc.
analysed on 2026-09-04
Not enough data to judge it fairly1-year price history
Source: Yahoo FinanceThe chart uses daily closes adjusted by the available provider. There may be delays, gaps or differences versus the official source.
Company
Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications.
- Sector Technology · Software - Application
- Website https://www.guidewire.com
Why it was discarded
What happened
The stock fell 15.8% and the most likely cause is this: Quarterly results dated 3 September 2026.
Reason for discarding
Not enough data to judge it fairly. Se requirio investigacion cualitativa pero no se incorporo un analisis real al resultado (llamada no realizada o sin resultado utilizable); el candidato quedo en 'watchlist' y nunca alcanzo un estado publicable.
What did look good
- Confirmed: we know which news caused the drop. The news was published before the price started falling, so the timing lines up.
- We estimate it overshot: it fell about 3.1 points more than the real damage we were able to quantify would justify.
- Out of our 10 checks, 4 come out clearly in favour.
- Final score: 51 out of 100.
What would have to change to consider it again
Se reactivaria como candidato si que el checklist de subsanabilidad supere el minimo exigido (actual 4/10, minimo 7/10); que el gap de sobrerreaccion supere el minimo exigido (actual 3.1pp, minimo 8.0pp).
What the confidence percentage means
Careful: this 90% does not say the stock will go up. It is the reliability of the source that confirmed the catalyst (an official SEC filing). Since almost every candidate is detected from an official SEC filing, this number repeats a lot.
Verified data: 8 of 10 checks have real data.
Detection analysis
This structured block did not exist yet for this historical page.
Where the score comes from
The score is computed by Python code from objective data, not by the AI model, and it does not change after the qualitative research.
Fixable problem
12.5 / 25
How much of the problem behind the drop looks fixable
Company strength
20.0 / 20
Revenue, margins, cash and debt before the drop
Overreaction size
1.2 / 15
How much it fell beyond the estimated real damage
Company response
0.0 / 15
Whether management responded publicly after the drop
Chart support
10.0 / 10
Whether the price holds above its 50-day average
Institutional money
0.0 / 10
Large-fund buying: no reliably up-to-date source exists
Bonus points
+7.0
Insider buying, capitulation volume, analysts keeping their rating
Penalty
-0.0
Deteriorating sector and negative signals detected
out of 100
50.7
The 10 checks (4 clearly in favour)
Each line is a question the system tries to answer with a real figure. "No data" means there is no reliable source to answer it, not that the answer is bad.
Check
Answer
What it is based on
El catalizador es puntual y no estructural
Yes
temporal_causality_status='confirmed', deteccion='max_drawdown_over_60m_candles_48h_market_window'.
El FCF sigue positivo o en tendencia positiva
Partly
free_cashflow (TTM)=283154240; sin dato trimestral mas reciente.
El guidance anual se mantiene o no ha sido emitido
No data
Yahoo no expone guidance corporativo propio, solo revision de consenso de analistas (ver criterio 10).
La direccion ha comunicado respuesta al problema
No
26.0h desde el inicio de la caida sin comunicado de investor_relations detectado.
El balance aguanta sin necesidad de capital
Yes
net_cash=45297024 (caja neta positiva).
Los insiders no han vendido de forma agresiva
No
net_shares_purchased_pct=-27.7 (venta neta agresiva).
La caida supera el impacto cuantificable del evento
Yes
overreaction_gap_pct=3.11.
El sector no esta en deterioro estructural
Yes
XLK change_1m=1.05%.
Hay precedentes de recuperacion post-evento
No data
Sin historico de eventos de caida previos por ticker en esta base de datos todavia.
El consenso no ha recortado estimaciones mas de un 10%
Partly
consensus_revision_pct=-12.69%.
Company indicators
Precio
Variación en 1 día
-19.93%
Variación en 5 días
-21.10%
Variación en 1 mes
+1.49%
Variación en 3 meses
+19.37%
Acciones negociadas ese día
4,691,162
Volumen medio de 10 días
1,352,680
Sirve para comparar: si el volumen del día lo dispara, algo ha pasado
Tamaño
Valor en bolsa
13.52 B$
Lo que cuesta comprar todas las acciones de la empresa
Valor de la empresa entera
16.84 B$
Valor en bolsa más la deuda y menos la caja: lo que costaria comprarla y saldar deudas
Valoración
Veces beneficio esperado
30.36x
Lo mismo, pero con el beneficio que los analistas esperan el año que viene
Veces beneficio operativo (EV/EBITDA)
128.58x
Cuántas veces el beneficio operativo anual paga el mercado por la empresa entera
Veces caja libre (EV/FCF)
59.49x
Lo mismo, pero contra el dinero que la empresa genera de verdad
PER ajustado al crecimiento (PEG)
1.11x
Un PER alto puede estar justificado si la empresa crece rápido. Por debajo de 1 suele verse como barato
Negocio
Crecimiento de ingresos
26.9%
Crecimiento medio anual de ingresos
17.7%
Media de varios años: filtra el ruido de un solo trimestre
Margen bruto
64.0%
De cada 100 dolares vendidos, lo que queda tras el coste directo del producto
Margen operativo
8.2%
Lo que queda de cada 100 dolares vendidos tras todos los gastos del negocio
Caja libre generada (12 meses)
283.15 M$
Dinero que sobra tras pagar gastos e inversiones. En negativo, la empresa quema caja
Cuánto beneficio operativo se convierte en caja
2.16x
Cerca de 1 significa que el beneficio contable acaba siendo dinero real
Deuda
Caja disponible
749.53 M$
Deuda total
704.24 M$
Caja neta
45.30 M$
Caja menos deuda. En positivo, la empresa tiene más dinero que deudas
Años de beneficio operativo para pagar la deuda
-0.35x
Por encima de 3 suele considerarse una deuda exigente
Deuda sobre fondos propios
53.5%
Cuánta deuda usa por cada 100 dolares de capital de los accionistas
Accionistas
Acciones emitidas
83,256,364
Acciones que cotizan libremente
75,789,933
Cuanto menor sea, más bruscos suelen ser los movimientos de precio
Parte en manos de directivos
0.3%
Si los que dirigen la empresa tienen mucho invertido, se juegan lo mismo que tu
Apuestas bajistas sobre el free float
6.3%
Porcentaje de acciones prestadas para apostar a la baja
Why some numbers are coloured and others stay grey
Colour repeats what the sign already says, at three intensities depending on how far the value is from zero. It is never the only signal.
- light
- medium
- strong
- light
- medium
- strong
- Price change: light up to 2%, medium up to 10%, strong above that.
- Margins and growth: light up to 10%, medium up to 35%, strong above that.
Everything whose sign is not good or bad on its own stays grey: valuation (a low P/E can be a bargain or a trap, and almost every company here has just fallen), debt, size, insider ownership and short interest. Those are shown as-is, without the site taking a view.
Development spotted after the drop
Guidewire Software's Fiscal 2027 Outlook Disappoints After Strong Fiscal Q4, RBC Says · 4 September 2026
We don't judge whether it's good or bad news: compare it against the real performance in the table below.
Performance after being discarded
We keep tracking the price of the companies we discard so we can measure whether discarding them was a mistake.
Technical detail
This company stayed in preliminary screening: the Python filter picked it for its objective data and it was discarded before the qualitative analysis ever ran on it. That is why there is no analysis or risks of its own here: what was stored is an automatic text, identical across every card at this stage, and showing it as analysis would be misleading.
Catalyst
No catalyst recorded. (Next month)