Guidewire Software, Inc. (GWRE) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
GWRE financial screening at a glance
Calculation date: 2026-10-15. Financial period used: July 2026. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
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Business activity evidence
Activity assessment in progress
The supplied classification (Software - Application) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers the United States, Canada, other Americas, Europe, the Middle East, Africa, and Asia-Pacific. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, and UnderwritingCente applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance services and products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates; and Guidewire ProNavigator, an AI-powered intelligent assistant. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire Data Studio, Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers. The company was incorporated in 2001 and is headquartered in San Mateo, California.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from July 2026
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | 27.7% / 30% | 29.2% / 30% | 28.4% / 30% | 3.29% / 5% | FINANCIAL SCREEN PASSED* |
| FTSE | 27.7% / 33% | 29.2% / 33% | 28.4% / 50% | 3.29% / 5% | FINANCIAL SCREEN PASSED* |
Financial Highlights
Profitability
| Gross Margin | 64.2% | |
| Operating Margin | 15.2% | |
| Net Margin | 9.4% | |
| Return on Equity (ROE) | 10.5% | |
| Return on Assets (ROA) | 3.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | 390M (currency unverified) |
| Free Cash Flow | 359M (currency unverified) |
| Total Debt | 715M (currency unverified) |
| Debt-to-Equity | 59.9 |
| Current Ratio | 1.8 |
| Total Assets | 2.6B (currency unverified) |
Price & Trading
| Last Close | $144.98 |
| 50-Day MA | $163.55 |
| 200-Day MA | $154.02 |
| Avg Volume | 1.5M |
| Beta | 1.0 |
|
52-Week Range
$102.30
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-09-20 for the financial period July 2026. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Guidewire Software, Inc. (GWRE)
Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers the United States, Canada, other Americas, Europe, the Middle East, Africa, and Asia-Pacific. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, and UnderwritingCente applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance services and products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates; and Guidewire ProNavigator, an AI-powered intelligent assistant. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire Data Studio, Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers. The company was incorporated in 2001 and is headquartered in San Mateo, California.
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Frequently Asked Questions
Is Guidewire Software, Inc. (GWRE) halal to invest in?
The current automated result is Financial screen passed; activity assessment pending. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Guidewire Software, Inc.'s debt ratio?
Guidewire Software, Inc.'s debt ratio is 27.7% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Guidewire Software, Inc.'s key financial metrics?
Guidewire Software, Inc. has a market capitalization of USD 11831M in its listing currency, trailing P/E ratio of 88.5, and revenue of 1.5B (currency unverified). The company maintains a gross margin of 64.2% and a net margin of 9.4%. Return on equity stands at 10.5%.
How often is the screening data updated?
Calculation date: 2026-10-15. Financial period: July 2026. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.