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: 2026-08-31. Financial period used: July 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
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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 worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter 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 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. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, 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 leverage 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 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | 26.3% / 30% | 42.2% / 30% | 53.2% / 30% | 4.71% / 5% | RATIOS FAIL* |
| FTSE | 26.3% / 33% | 42.2% / 33% | 53.2% / 50% | 4.71% / 5% | RATIOS FAIL* |
Financial Highlights
Profitability
| Gross Margin | 64.0% | |
| Operating Margin | 8.2% | |
| Net Margin | 11.2% | |
| Return on Equity (ROE) | 11.9% | |
| Return on Assets (ROA) | 2.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $301M |
| Free Cash Flow | $280M |
| Total Debt | $716M |
| Debt-to-Equity | 53.5 |
| Current Ratio | 2.4 |
| Total Assets | $2.7B |
Price & Trading
| Last Close | $188.34 |
| 50-Day MA | $148.76 |
| 200-Day MA | $157.88 |
| Avg Volume | 1.6M |
| Beta | 0.9 |
|
52-Week Range
$102.30
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-27 for the financial period July 2025. 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 worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter 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 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. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, 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 criteria not met or an activity exclusion was detected. 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 26.3% 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 15908M in its listing currency, trailing P/E ratio of 101.1, and revenue of $1.2B. The company maintains a gross margin of 64.0% and a net margin of 11.2%. Return on equity stands at 11.9%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: July 2025. 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.