BSY vs. GWRE: Bentley Systems vs. Guidewire Software Stock Comparison
How do Bentley Systems (BSY) and Guidewire Software (GWRE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bentley Systems (BSY) and Guidewire Software (GWRE) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.
| Profile Item | BSY | GWRE |
|---|---|---|
| Name | Bentley Systems, Incorporated Class B Common Stock | Guidewire Software Inc. |
| Country/Region | United States | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | Software |
| GICS Sub-Industry | Application Software | Application Software |
| Market Capitalization | 13.50 billion USD | 13.34 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 23, 2020 | January 25, 2012 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Total Return (1Y) | -2.57% | -25.97% |
| Total Return (3Y, Annualized) | -3.01% | 21.68% |
| Total Return (5Y, Annualized) | -5.13% | 4.78% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Volatility (1Y, Annualized) | 41.49% | 62.03% |
| Beta (5Y) | 0.92 | 0.99 |
| Max Drawdown (5Y) | -53.94% | -60.79% |
| Avg. Volume (3M) | 2.67M | 1.29M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Sharpe Ratio (1Y) | -0.17 | -0.49 |
| Sortino Ratio (1Y) | -0.25 | -0.68 |
Profitability
ROE (TTM)
Bentley Systems (BSY) at 26.03% sits in the top ROE quartile, while Guidewire Software (GWRE) at 10.51% is closer to the peer norm — stronger capital efficiency for BSY.
BSY
Software & Services industry group
26.03%
- Max
- 53.85%
- BSY
- 26.03%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
GWRE
Software & Services industry group
10.51%
- Max
- 53.85%
- Q3
- 17.90%
- GWRE
- 10.51%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
Bentley Systems (BSY) at 19.57% retains a top-quartile share of revenue as profit, ahead of Guidewire Software (GWRE) at 9.44%, which keeps about the industry-typical share.
BSY
Software & Services industry group
19.57%
- Max
- 41.17%
- BSY
- 19.57%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
GWRE
Software & Services industry group
9.44%
- Max
- 41.17%
- Q3
- 15.28%
- GWRE
- 9.44%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Bentley Systems (BSY) at 29.81% operates in the top operating margin quartile, ahead of Guidewire Software (GWRE) at 15.16%, which runs around its industry’s norm.
BSY
Software & Services industry group
29.81%
- Max
- 46.89%
- BSY
- 29.81%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
GWRE
Software & Services industry group
15.16%
- Max
- 46.89%
- Q3
- 17.64%
- GWRE
- 15.16%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | BSY | GWRE |
|---|---|---|
| ROE (TTM) | 26.03% | 10.51% |
| ROA (TTM) | 7.73% | 3.54% |
| Net Margin (TTM) | 19.57% | 9.44% |
| Operating Margin (TTM) | 29.81% | 15.16% |
| Gross Margin (TTM) | 82.37% | 64.21% |
Growth
Revenue Growth
Both Bentley Systems (BSY) at 10.99% and Guidewire Software (GWRE) at 22.70% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Guidewire Software (GWRE) at 101.23% sits in the top EPS growth quartile, while Bentley Systems (BSY) at 18.06% is closer to the peer norm — faster per-share earnings growth for GWRE.
Growth Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Revenue Growth (YoY) | 10.99% | 22.70% |
| Revenue Growth (3Y CAGR) | 10.97% | 17.68% |
| EPS Growth (YoY) | 18.06% | 101.23% |
| EPS Growth (3Y CAGR) | 15.62% | -- |
Financial Strength
Current Ratio (MRQ)
Guidewire Software (GWRE) at 1.79 keeps current ratio within its industry’s typical mid-range, while Bentley Systems (BSY) at 0.65 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for BSY.
BSY
Software & Services industry group
0.65
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- BSY
- 0.65
- Min
- 0.03
GWRE
Software & Services industry group
1.79
- Max
- 5.11
- Q3
- 2.77
- GWRE
- 1.79
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Both Bentley Systems (BSY) at 0.94 and Guidewire Software (GWRE) at 0.60 fund their balance sheets with roughly industry-typical debt-to-equity mixes.
BSY
Software & Services industry group
0.94
- Max
- 2.52
- Q3
- 1.13
- BSY
- 0.94
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
GWRE
Software & Services industry group
0.60
- Max
- 2.52
- Q3
- 1.13
- GWRE
- 0.60
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Current Ratio (MRQ) | 0.65 | 1.79 |
| Debt / Equity (MRQ) | 0.94 | 0.60 |
| Net Debt / EBITDA | 2.12 | -0.38 |
Dividends
Dividend Yield (TTM)
Guidewire Software (GWRE) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bentley Systems (BSY) reports a yield of 0.62%, ranking against industry peers normally.
BSY
Software & Services industry group
0.62%
- BSY
- 0.62%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
GWRE
Software & Services industry group
0.00%
- GWRE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Guidewire Software (GWRE) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bentley Systems (BSY) reports a payout of 27.72%, ranking against industry peers normally.
BSY
Software & Services industry group
27.72%
- BSY
- 27.72%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
GWRE
Software & Services industry group
0.00%
- GWRE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | BSY | GWRE |
|---|---|---|
| Dividend Yield (TTM) | 0.62% | 0.00% |
| Dividend Payout Ratio (TTM) | 27.72% | 0.00% |
Valuation
P/E Ratio (TTM)
Bentley Systems (BSY) at 44.21 is near its industry’s usual P/E ratio, while Guidewire Software (GWRE) at 99.02 sits in the richer quartile — GWRE needs stronger growth or earnings quality to justify the premium.
BSY
Software & Services industry group
44.21
- Max
- 112.94
- Q3
- 60.32
- BSY
- 44.21
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
GWRE
Software & Services industry group
99.02
- Max
- 112.94
- GWRE
- 99.02
- Q3
- 60.32
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
Bentley Systems (BSY) at 8.19 is priced about in line with its industry on P/S ratio, while Guidewire Software (GWRE) at 9.04 sits in the pricier quartile — GWRE costs more per dollar of sales.
BSY
Software & Services industry group
8.19
- Max
- 17.91
- Q3
- 8.78
- BSY
- 8.19
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
GWRE
Software & Services industry group
9.04
- Max
- 17.91
- GWRE
- 9.04
- Q3
- 8.78
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
P/B Ratio (MRQ)
Both Bentley Systems (BSY) at 10.79 and Guidewire Software (GWRE) at 11.09 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
BSY
Software & Services industry group
10.79
- Max
- 16.63
- BSY
- 10.79
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
GWRE
Software & Services industry group
11.09
- Max
- 16.63
- GWRE
- 11.09
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | BSY | GWRE |
|---|---|---|
| P/E Ratio (TTM) | 44.21 | 99.02 |
| P/S Ratio (TTM) | 8.19 | 9.04 |
| P/B Ratio (MRQ) | 10.79 | 11.09 |
| Free Cash Flow Yield (TTM) | 2.74% | 2.57% |