Analyst Consensus ?
ConsensusBuy25 ratings
Bullish1872.0%
Neutral624.0%
Bearish14.0%
Guidewire Software, Inc. · GWRE · FY2025 Q4 · Calendar Q3 2025
Guidewire tops $1B ARR as cloud adoption and margins improve
The quarter supports the view that cloud adoption, resilient demand, and improving margins can underpin continued growth, while AI commercialization, premium growth, and ARR durability remain key tests.
Reported After market closeNYSETechnology
$13.93B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.84
Consensus $0.64
EPS surprise
+32.3%
Reported versus consensus
Reported revenue
$356.6M
Consensus $337.8M
Revenue surprise
+5.6%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+20.1%
Event window
SPY move
-0.3%
Same window
Abnormal move
+20.4%
Stock minus SPY
Volume
4.9×
Versus trailing sessions
Subsequent drift
-11.8%
Up to 20 sessions
GWRESPY benchmark
Ask FN2 about GWRE FY2025 Q4
Transcript, numbers and history already loaded
Why did GWRE rise 20.1% after beating EPS estimates in FY2025 Q4?What changed in GWRE's guidance and outlook in FY2025 Q4?Give me the bull and bear case for GWRE after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
ARR moved above $1 billion, cloud ARR reached 74% of total, and subscription and support gross margins improved to 70%. Guidewire also highlighted a landmark Liberty Mutual agreement, completed the Quanti acquisition, and continued its focus on AI and analytics.
Guidance delta
Maintained; management highlighted a healthy Q1 outlook and continued momentum.
Key takeaways
- ARR exceeded $1 billion, up 19% year over year, with cloud ARR at 74% of total.
- Subscription and support gross margins improved to 70%.
- A 10-year, multi-product Liberty Mutual agreement was described as the largest strategic win to date.
- Management emphasized AI, analytics, cloud migration, and ecosystem expansion as growth priorities.
Management priorities
- Expand Guidewire Cloud Platform adoption and continue on-premises migrations.
- Develop AI-enabled pricing, underwriting, claims, and predictive analytics offerings.
- Deepen the partner and system-integrator ecosystem.
- Showcase new innovations at the October Connections User Conference.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$167.32Current
$95Low
$191.54Average
$250High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 11, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| DA Davidson | Buy | Buy | Maintain | Oct 2, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Sep 4, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Sep 4, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Sep 4, 2026 |
| Oppenheimer | Outperform | Outperform | Maintain | Sep 4, 2026 |
| Needham | Hold | Hold | Maintain | Sep 4, 2026 |
| Citizens | Market Outperform | Market Outperform | Maintain | Sep 4, 2026 |
| Citigroup | Neutral | Neutral | Maintain | Sep 4, 2026 |
| BTIG | Buy | Buy | Maintain | Sep 4, 2026 |
| Baird | Outperform | Outperform | Maintain | Aug 31, 2026 |
| Guggenheim | Buy | Buy | Maintain | Aug 27, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Jul 14, 2026 |
| Stifel | Buy | Buy | Maintain | Jun 5, 2026 |
| Goldman Sachs | Buy | Buy | Maintain | Jun 5, 2026 |
| Raymond James | Outperform | Outperform | Maintain | Sep 5, 2025 |
| JMP Securities | Market Outperform | Market Outperform | Maintain | Jun 4, 2025 |
| B of A Securities | Underperform | Underperform | Maintain | Jun 4, 2025 |
| Citizens Capital Markets | Market Outperform | Market Outperform | Maintain | Mar 26, 2025 |
| Stifel Nicolaus | Hold | Hold | Maintain | Sep 27, 2019 |
| PiperJaffray | Neutral | Overweight | Downgrade | Mar 4, 2019 |
| Deutsche Bank | Hold | Buy | Downgrade | Oct 9, 2018 |
| Keybanc | Overweight | Overweight | Maintain | Sep 21, 2018 |
| Bank of America | Neutral | Neutral | Maintain | Sep 21, 2018 |
| Jefferies | Overweight | Neutral | Upgrade | Jun 13, 2017 |
| UBS | Buy | Buy | Maintain | Jun 2, 2016 |
Named analyst price targets
Upside is calculated against the persisted current price $167.32. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Oppenheimer | Analyst unavailable | $210 | $202.86 | +25.5% | Sep 4, 2026 |
| BTIG | Analyst unavailable | $220 | $202.86 | +31.5% | Sep 4, 2026 |
| Wells Fargo | Michael Turrin | $195 | $202.86 | +16.5% | Sep 4, 2026 |
| BTIG | Allan Verkhovski | $230 | $201.09 | +37.5% | Sep 2, 2026 |
| Robert W. Baird | Joe Vruwink | $235 | $205.85 | +40.4% | Aug 31, 2026 |
| Guggenheim | Analyst unavailable | $210 | $191.07 | +25.5% | Aug 27, 2026 |
| UBS | Analyst unavailable | $210 | $170.53 | +25.5% | Aug 10, 2026 |
| Piper Sandler | Billy Fitzsimmons | $210 | $170.53 | +25.5% | Aug 10, 2026 |
| Guggenheim | Tamjid Chowdhury | $180 | $133.97 | +7.6% | Jul 22, 2026 |
| D.A. Davidson | Peter Heckmann | $222 | $136.06 | +32.7% | Jun 8, 2026 |
| Goldman Sachs | Adam Hotchkiss | $225 | $141.84 | +34.5% | Jun 5, 2026 |
| Raymond James | Alexander Sklar | $180 | $151.17 | +7.6% | Jun 5, 2026 |
| Wells Fargo | Michael Turrin | $190 | $151.17 | +13.6% | Jun 5, 2026 |
| Stifel Nicolaus | Parker Lane | $200 | $151.17 | +19.5% | Jun 5, 2026 |
| RBC Capital | Rishi Jaluria | $215 | $151.17 | +28.5% | Jun 5, 2026 |
| Stifel Nicolaus | Parker Lane | $225 | $142.13 | +34.5% | May 29, 2026 |
| Stifel Nicolaus | Parker Lane | $250 | $162.24 | +49.4% | Mar 6, 2026 |
| Oppenheimer | Analyst unavailable | $250 | $122.22 | +49.4% | Feb 24, 2026 |
| BTIG | Allan Verkhovski | $175 | $122.29 | +4.6% | Feb 18, 2026 |
| RBC Capital | Rishi Jaluria | $300 | $185.06 | +79.3% | Jan 9, 2026 |
| Wells Fargo | Michael Turrin | $250 | $187.68 | +49.4% | Jan 8, 2026 |
| D.A. Davidson | Analyst unavailable | $246 | $193.59 | +47.0% | Dec 17, 2025 |
| BTIG | Analyst unavailable | $250 | $193.59 | +49.4% | Dec 16, 2025 |
| D.A. Davidson | Peter Heckmann | $250 | $252.3 | +49.4% | Oct 29, 2025 |
| Stifel Nicolaus | Parker Lane | $300 | $260.71 | +79.3% | Sep 5, 2025 |
| D.A. Davidson | Peter Heckmann | $226 | $208 | +35.1% | May 22, 2025 |
| Robert W. Baird | Analyst unavailable | $236 | $173.24 | +41.0% | Mar 7, 2025 |
| JMP Securities | Analyst unavailable | $250 | $173.24 | +49.4% | Mar 7, 2025 |
| Bank of America Securities | Brad Sills | $135 | $185.82 | -19.3% | Oct 11, 2024 |
| Wells Fargo | Michael Turrin | $205 | $183.37 | +22.5% | Oct 11, 2024 |
| Robert W. Baird | Joe Vruwink | $204 | $182.17 | +21.9% | Oct 8, 2024 |
| Oppenheimer | Ken Wong | $200 | $184.22 | +19.5% | Oct 4, 2024 |
| RBC Capital | Rishi Jaluria | $180 | $162.96 | +7.6% | Sep 6, 2024 |
| Stifel Nicolaus | Parker Lane | $175 | $143.93 | +4.6% | Sep 6, 2024 |
| Robert W. Baird | Jon Vruwink | $175 | $143.93 | +4.6% | Sep 6, 2024 |
| BTIG | Matt VanVliet | $165 | $147.5 | -1.4% | Aug 30, 2024 |
| Wells Fargo | Michael Turrin | $175 | $146.92 | +4.6% | Aug 21, 2024 |
| Oppenheimer | Ken Wong | $170 | $148.4 | +1.6% | Aug 20, 2024 |
| RBC Capital | Rishi Jaluria | $170 | $134.86 | +1.6% | Jun 27, 2024 |
| Wells Fargo | Michael Turrin | $150 | $135.61 | -10.4% | Jun 21, 2024 |
| Robert W. Baird | Jon Vruwink | $152 | $127.46 | -9.2% | Jun 6, 2024 |
| D.A. Davidson | Peter Heckmann | $142 | $127.46 | -15.1% | Jun 5, 2024 |
| Stifel Nicolaus | Parker Lane | $140 | $108.05 | -16.3% | Jun 5, 2024 |
| Wells Fargo | Michael Turrin | $140 | $108.05 | -16.3% | Jun 5, 2024 |
| RBC Capital | Rishi Jaluria | $130 | $108.05 | -22.3% | Jun 5, 2024 |
| Oppenheimer | Ken Wong | $140 | $108.05 | -16.3% | Jun 5, 2024 |
| Goldman Sachs | Kevin Kumar | $146 | $108.05 | -12.7% | Jun 5, 2024 |
| BTIG | Matthew VanVliet | $140 | $108.05 | -16.3% | Jun 5, 2024 |
| Stifel Nicolaus | Parker Lane | $95 | $93.82 | -43.2% | Sep 8, 2023 |
| Wells Fargo | Michael Turrin | $85 | $83.8 | -49.2% | Aug 31, 2023 |
| RBC Capital | Rishi Jaluria | $90 | $75.32 | -46.2% | Mar 7, 2023 |
| JMP Securities | Joe Goodwinm | $95 | $75 | -43.2% | Mar 7, 2023 |
| RBC Capital | Rishi Jaluria | $100 | $59.96 | -40.2% | Dec 7, 2022 |
| RBC Capital | Analyst unavailable | $125 | $92.8 | -25.3% | Apr 19, 2022 |
| Bank of America Securities | Bradley Sills | $125 | $113.12 | -25.3% | Oct 4, 2021 |
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Start freeCompany context
Snapshot as of publicationGuidewire Software, Inc. is a global supplier of software solutions tailored for the property and casualty insurance industry. Its primary offering is Guidewire InsuranceSuite, a comprehensive platform that incorporates core applications like PolicyCenter, BillingCenter, and ClaimCenter. The company also furnishes Guidewire InsuranceNow, a cloud-native platform providing integrated policy, billing, and claims administration for insurers, alongside a self-managed version of the InsuranceSuite. Guidewire's product portfolio extends to specialized management tools, including Rating Management for accurate insurance product pricing, Reinsurance Management for executing rules-based reinsurance strategies throughout underwriting and claims processes, Client Data Management for effective utilization of customer information, and Product Content Management, which provides software tools and standardized templates to streamline the introduction and modification of insurance products.…
Historical context
All GWRE earningsTechnology peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| ACN Accenture plc | FY2026 Q4 · Calendar Q4 2026 | +3.5% | +15.8% | Accenture: AI demand supports strong Q4, while pricing and geopolitics remain risks |
| JBL Jabil Inc. | FY2026 Q4 · Calendar Q3 2026 | +8.1% | -10.0% | Jabil enters FY2027 with AI-led growth and capacity risks |
| MU Micron Technology, Inc. | FY2026 Q4 · Calendar Q3 2026 | +5.4% | +0.0% | Micron: Strong AI Memory Demand, Higher Capex, and HBM4E Ahead |
| SNX TD Synnex Corp | FY2026 Q3 · Calendar Q3 2026 | +20.9% | -9.9% | TD SYNNEX: AI-led growth accelerates, but mix and cash flow matter |
| ADBE Adobe Inc. | FY2026 Q3 · Calendar Q3 2026 | +0.8% | +1.4% | Adobe raises FY26 outlook as AI strategy broadens |
| ORCL Oracle Corporation | FY2027 Q1 · Calendar Q3 2026 | +10.3% | -1.7% | Oracle raises FY27 outlook as AI demand accelerates cloud growth |
Latest beats and misses
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-11T03:30:44.776221+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-11T03:30:44.773302+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-11. For educational purposes only; not investment advice.