Market Price

101.83 

-5.12 -4.8%

as of Mar 05 '21

52 Week Range:

71.64 134.22


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform, which offers policy, billing, and claims management functionality to insurers. In addition, the company offers Guidewire Underwriting Management, a cloud-based integrated business application; 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; and Guidewire Client Data Management to enable customer information management. Further, it provides Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers analytics and artificial intelligence products, such as Guidewire DataHub, an operational data store; Guidewire InfoCenter, a business intelligence warehouse; Guidewire Risk Insights, that allows insurers to assess new and evolving risks; Guidewire Predictive Analytics, a set of cloud-native applications; and Guidewire Business Intelligence that allows insurers to measure business performance, as well as Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice. It also provides implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jul '10 Jul '11 Jul '12 Jul '13 Jul '14 Jul '15 Jul '16 Jul '17 Jul '18 Jul '19 Jul '20
Equity (BVPS) -0.51
0.37
3.41
3.62
9.19
9.31
10.14
11.12
16.37
18.58
19.00
growth rate 100.0% 821.6% 6.2% 153.9% 1.3% 8.9% 9.7% 47.2% 13.5% 2.3%
Earnings BIT 17.72
8.30
23.18
17.21
18.42
16.49
16.74
21.86
-15.62
1.47
-23.89
growth rate -53.2% 179.3% -25.8% 7.0% -10.5% 1.5% 30.6% -100.0% 100.0% -100.0%
Avg.PE 69.93
175.44
188.68
370.36
299.40
563.21
340.68
204.10
477.20
growth rate 150.9% 7.6% 96.3% -19.2% 88.1% -39.5% -40.1% 133.8%
ROA 27.04
38.11
4.91
5.16
2.75
1.27
1.75
2.13
-1.29
1.00
-1.20
growth rate 40.9% -87.1% 5.1% -46.7% -53.8% 37.8% 21.7% -100.0% 100.0% -100.0%
ROE -61.70
195.90
12.18
7.46
3.35
1.48
2.03
2.53
-1.70
1.38
-1.68
growth rate 100.0% -93.8% -38.8% -55.1% -55.8% 37.2% 24.6% -100.0% 100.0% -100.0%
ROIC 11.93
7.24
3.12
1.27
1.56
2.08
-1.68
0.63
-1.60
growth rate -39.3% -56.9% -59.3% 22.8% 33.3% -100.0% 100.0% -100.0%
Cur. Ratio 0.91
1.15
2.82
2.81
5.41
6.33
5.94
4.15
5.43
5.75
5.96
growth rate 26.4% 145.2% -0.4% 92.5% 17.0% -6.2% -30.1% 30.8% 5.9% 3.7%
Quick Ratio 0.86
1.01
2.55
2.64
5.18
6.07
5.80
3.99
5.29
5.59
5.76
growth rate 17.4% 152.5% 3.5% 96.2% 17.2% -4.5% -31.2% 32.6% 5.7% 3.0%
Leverage 1.55
1.36
1.16
1.16
1.17
1.21
1.39
1.38
1.43
growth rate -12.3% -14.7% 0.0% 0.9% 3.4% 14.9% -0.7% 3.6%
Balance Sheet Jul '10 Jul '11 Jul '12 Jul '13 Jul '14 Jul '15 Jul '16 Jul '17 Jul '18 Jul '19 Jul '20
Acct.Receivable 16.40
23.30
45.76
43.78
49.84
62.06
62.79
79.43
124.85
175.17
163.73
growth rate 42.1% 96.4% -4.3% 13.8% 24.5% 1.2% 26.5% 57.2% 40.3% -6.5%
Acct.Payable 36.28
32.82
7.03
8.82
9.93
13.42
30.64
34.26
22.63
growth rate -9.6% -78.6% 25.4% 12.6% 35.1% 128.4% 11.8% -33.9%
Cur.Assets 57.30
94.80
262.47
210.09
516.43
661.64
707.67
679.24
1,222.46
1,334.97
1,343.22
growth rate 65.5% 176.9% -20.0% 145.8% 28.1% 7.0% -4.0% 80.0% 9.2% 0.6%
Total Assets 60.10
126.50
284.25
305.67
757.23
799.95
916.18
1,078.90
1,981.43
2,166.96
2,364.85
growth rate 110.5% 124.7% 7.5% 147.7% 5.6% 14.5% 17.8% 83.7% 9.4% 9.1%
Cash 37.40
59.60
209.44
79.77
148.10
212.36
223.58
263.18
437.14
254.10
366.97
growth rate 59.4% 251.4% -61.9% 85.7% 43.4% 5.3% 17.7% 66.1% -41.9% 44.4%
Inventory 0.00 0.00 0.00
growth rate
Cur.Liabilities 62.60
82.30
93.19
74.78
95.39
104.41
119.08
168.37
238.16
232.27
225.20
growth rate 31.5% 13.2% -19.8% 27.6% 9.5% 14.1% 41.4% 41.5% -2.5% -3.1%
Liabilities 85.20
108.40
100.29
83.84
106.54
110.56
132.24
190.37
567.82
592.76
708.08
growth rate 27.2% -7.5% -16.4% 27.1% 3.8% 19.6% 44.0% 198.3% 4.4% 19.5%
LT Debt 0.00
0.00
0.00
305.13
317.32
330.21
growth rate 4.0% 4.1%
Equity -25.15
18.20
183.96
221.83
650.69
689.39
783.94
888.53
1,413.62
1,574.20
1,656.77
growth rate 100.0% 910.8% 20.6% 193.3% 6.0% 13.7% 13.3% 59.1% 11.4% 5.3%
Common Shares 47.00
47.00
42.00
62.00
69.00
72.00
74.00
75.00
78.00
83.00
83.00
growth rate 0.0% -10.6% 47.6% 11.3% 4.4% 2.8% 1.4% 4.0% 6.4% 0.0%
Cash Flow Statement Jul '10 Jul '11 Jul '12 Jul '13 Jul '14 Jul '15 Jul '16 Jul '17 Jul '18 Jul '19 Jul '20
Capital Expenditures 2.20
2.80
5.62
9.23
4.99
6.30
7.11
5.89
9.40
44.92
21.38
growth rate 27.3% 100.7% 64.2% -45.9% 26.2% 12.9% -17.2% 59.7% 378.0% -52.4%
Cash Dividends 0.00 0.00 0.00
growth rate
Cash From OA 9.50
27.70
17.09
32.55
75.49
63.68
99.90
138.76
140.46
116.13
113.07
growth rate 191.6% -38.3% 90.4% 131.9% -15.7% 56.9% 38.9% 1.2% -17.3% -2.6%
FCF per Share 0.28
0.27
0.70
1.01
1.05
1.27
1.43
1.01
0.82
growth rate -3.6% 159.3% 44.3% 4.0% 21.0% 12.6% -29.4% -18.8%
Sale Purchase of Stock 144.95
9.12
398.70
6.29
7.84
5.56
growth rate -93.7% 4,270.3% -98.4% 24.6% -29.0%
FCF 7.00
25.00
11.00
23.00
70.00
57.00
93.00
130.00
128.00
67.00
87.00
growth rate 257.1% -56.0% 109.1% 204.4% -18.6% 63.2% 39.8% -1.5% -47.7% 29.9%
Income Statement Jul '10 Jul '11 Jul '12 Jul '13 Jul '14 Jul '15 Jul '16 Jul '17 Jul '18 Jul '19 Jul '20
Sales 144.70
172.50
232.06
300.65
350.25
380.54
424.45
509.53
652.85
719.51
742.31
growth rate 19.2% 34.5% 29.6% 16.5% 8.7% 11.5% 20.1% 28.1% 10.2% 3.2%
Op.Income 18.00
6.90
18.66
24.66
18.42
16.49
16.74
21.86
-15.62
1.47
-23.89
growth rate -61.7% 170.5% 32.1% -25.3% -10.5% 1.5% 30.6% -100.0% 100.0% -100.0%
IBT 17.70
8.30
28.52
30.12
19.95
16.74
20.78
28.53
-8.28
12.45
-24.33
growth rate -53.1% 243.6% 5.6% -33.8% -16.1% 24.2% 37.3% -100.0% 100.0% -100.0%
Net Income 15.50
35.60
18.66
24.66
14.72
9.89
14.98
18.07
-26.74
20.73
-27.20
growth rate 129.7% -47.6% 32.1% -40.3% -32.9% 51.5% 20.7% -100.0% 100.0% -100.0%
EPS 0.10
0.29
0.32
0.40
0.21
0.14
0.20
0.24
-0.34
0.25
-0.33
growth rate 190.0% 10.3% 25.0% -47.5% -33.3% 42.9% 20.0% -100.0% 100.0% -100.0%
Gross Profit 89.20
104.10
142.06
175.00
201.30
233.35
272.61
317.97
356.07
395.16
404.29
growth rate 16.7% 36.5% 23.2% 15.0% 15.9% 16.8% 16.6% 12.0% 11.0% 2.3%
R&D 28.30
34.80
49.06
62.99
76.18
93.44
112.50
130.32
171.66
188.54
200.58
growth rate 23.0% 41.0% 28.4% 20.9% 22.7% 20.4% 15.9% 31.7% 9.8% 6.4%

Quarterly Statements

Item Name Jan '20 Apr '20 Jul '20 Oct '20 Jan '21
Earnings BIT -18.03
-25.60
44.34
-31.60
-27.07
growth rate 0.0% 100.0% -100.0% 0.0%
Balance Sheet Jan '20 Apr '20 Jul '20 Oct '20 Jan '21
Acct.Receivable 151.47
148.50
163.73
153.13
174.17
growth rate -2.0% 10.3% -6.5% 13.7%
Acct.Payable 25.99
18.35
22.63
21.86
23.59
growth rate -29.4% 23.4% -3.4% 8.0%
Cur.Assets 1,247.98
1,224.30
1,343.22
1,349.10
1,368.96
growth rate -1.9% 9.7% 0.4% 1.5%
Total Assets 2,221.59
2,208.87
2,364.85
2,338.96
2,335.73
growth rate -0.6% 7.1% -1.1% -0.1%
Cash 218.46
293.82
366.97
293.84
331.39
growth rate 34.5% 24.9% -19.9% 12.8%
Inventory
growth rate
Cur.Liabilities 182.59
176.72
225.20
185.62
210.72
growth rate -3.2% 27.4% -17.6% 13.5%
Liabilities 629.03
622.86
708.08
679.10
691.07
growth rate -1.0% 13.7% -4.1% 1.8%
LT Debt 323.68
326.92
330.21
333.54
336.92
growth rate 1.0% 1.0% 1.0% 1.0%
Equity 1,592.57
1,586.01
1,656.77
1,659.86
1,644.66
growth rate -0.4% 4.5% 0.2% -0.9%
Common Shares 82.87
0.01
0.01
0.01
0.01
growth rate -100.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jan '20 Apr '20 Jul '20 Oct '20 Jan '21
Capital Expenditures 1.63
7.71
2.41
1.91
3.61
growth rate 373.4% -68.7% -20.9% 89.3%
Cash Dividends
growth rate
Cash From OA 19.47
4.57
107.16
-15.71
13.33
growth rate -76.5% 2,244.3% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 17.85
-3.14
104.75
-17.61
9.72
growth rate -100.0% 100.0% -100.0% 100.0%
Income Statement Jan '20 Apr '20 Jul '20 Oct '20 Jan '21
Sales 169.38
168.17
243.67
169.80
180.06
growth rate -0.7% 44.9% -30.3% 6.0%
Op.Income -18.03
-25.60
44.34
-31.60
-27.07
growth rate 0.0% 100.0% -100.0% 0.0%
IBT -15.72
-36.39
49.42
-30.87
-22.90
growth rate 0.0% 100.0% -100.0% 0.0%
Net Income -19.94
-31.04
38.78
-20.19
-8.65
growth rate 0.0% 100.0% -100.0% 0.0%
EPS
growth rate
Gross Profit 89.86
82.41
155.86
78.84
88.16
growth rate -8.3% 89.1% -49.4% 11.8%
R&D -49.95
51.89
52.23
52.62
53.19
growth rate 100.0% 0.7% 0.7% 1.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (29.25)

YOY Growth Grade:

D (44.68)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is negative, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE 477.20 -402.49 308.58
EPS / Growth 24.0% -0.25 -29.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 32.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 19.1% 19.1%
Future PE 2.00 274.66 274.66
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT 99.00 99.00 99.00

Graham Number:

Current EPS is negative, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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