GWRE vs. NBIS: Guidewire Software vs. Nebius Stock Comparison

November 11, 2026

How do Guidewire Software (GWRE) and Nebius (NBIS) 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

Guidewire Software (GWRE) and Nebius (NBIS) both belong to the Software industry, though GWRE is classified under Application Software while NBIS falls under Systems Software.

Guidewire Software (GWRE) has been public since January 25, 2012, giving it a longer listed trading history, while Nebius (NBIS) listed on October 21, 2024 and still has a shorter public-market record.

Company profile comparison for Guidewire Software (GWRE) and Nebius (NBIS)
Profile Item	GWRE	NBIS
Name	Guidewire Software Inc.	Nebius Group N.V. Class A Ordinary Shares
Country/Region	United States	Netherlands
GICS Sector	Information Technology	Information Technology
GICS Industry Group	Software & Services	Software & Services
GICS Industry	Software	Software
GICS Sub-Industry	Application Software	Systems Software
Market Capitalization	13.34 billion USD	35.20 billion USD
Currency	USD	USD
Exchange	NYSE	Nasdaq
Listing Date	January 25, 2012	October 21, 2024
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

GWRE

NBIS

GSPC

Guidewire Software (GWRE) vs. Nebius (NBIS), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Guidewire Software (GWRE) and Nebius (NBIS). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Guidewire Software (GWRE) and Nebius (NBIS). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Total Return (1Y)	-25.97%	25.86%
Total Return (3Y, Annualized)	21.68%	--
Total Return (5Y, Annualized)	4.78%	--

Risk Profile

Drawdown History

GWRE

NBIS

GSPC

Guidewire Software (GWRE) vs. Nebius (NBIS), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Guidewire Software (GWRE) and Nebius (NBIS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Nebius (NBIS) carries a highly aggressive beta of 4.66, indicating much higher sensitivity to broad-market moves, whereas Guidewire Software (GWRE) is closer to market-like at 0.99 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Volatility (1Y, Annualized)	62.03%	111.62%
Beta (5Y)	0.99	4.66
Max Drawdown (5Y)	-60.79%	-58.27%
Avg. Volume (3M)	1.29M	20.58M

Risk-Adjusted Performance

Risk-Return Positioning

GWRE and NBIS are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Sharpe Ratio (1Y)	-0.49	0.19
Sortino Ratio (1Y)	-0.68	0.31

Profitability

ROE (TTM)

Both Guidewire Software (GWRE) at 10.51% and Nebius (NBIS) at 0.60% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

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%

NBIS

Software & Services industry group

0.60%

Max: 53.85%
Q3: 17.90%
Median: 6.59%
NBIS: 0.60%
Q1: -9.59%
Min: -50.52%

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

Both Guidewire Software (GWRE) at 9.44% and Nebius (NBIS) at 3.13% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

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%

NBIS

Software & Services industry group

3.13%

Max: 41.17%
Q3: 15.28%
Median: 4.63%
NBIS: 3.13%
Q1: -5.42%
Min: -33.17%

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Nebius (NBIS) reports a negative operating margin of -0.22%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile Guidewire Software (GWRE) reports 15.16%, ranking against industry peers normally.

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%

NBIS

Software & Services industry group

-0.22%

Max: 46.89%
Q3: 17.64%
Median: 8.73%
NBIS: -0.22%
Q1: -2.13%
Min: -30.45%

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
ROE (TTM)	10.51%	0.60%
ROA (TTM)	3.54%	-1.92%
Net Margin (TTM)	9.44%	3.13%
Operating Margin (TTM)	15.16%	-0.22%
Gross Margin (TTM)	64.21%	74.26%

Growth

Revenue Growth

Nebius (NBIS) at 479.02% clears its industry range for revenue growth, far stronger top-line momentum than Guidewire Software (GWRE) at 22.70%, which is closer to a typical peer reading.

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Guidewire Software (GWRE) reports EPS growth of 101.23%, ranked against its industry; Nebius (NBIS) has no EPS growth figure this period.

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Revenue Growth (YoY)	22.70%	479.02%
Revenue Growth (3Y CAGR)	17.68%	239.83%
EPS Growth (YoY)	101.23%	--
EPS Growth (3Y CAGR)	--	-28.68%

Financial Strength

Current Ratio (MRQ)

Guidewire Software (GWRE) at 1.79 keeps current ratio within its industry’s typical mid-range, while Nebius (NBIS) at 4.03 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.

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

NBIS

Software & Services industry group

4.03

Max: 5.11
NBIS: 4.03
Q3: 2.77
Median: 1.67
Q1: 1.01
Min: 0.03

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Both Guidewire Software (GWRE) at 0.60 and Nebius (NBIS) at 0.99 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

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

NBIS

Software & Services industry group

0.99

Max: 2.52
Q3: 1.13
NBIS: 0.99
Median: 0.40
Q1: 0.07
Min: 0.00

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their debt-to-equity ratio against the Software & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Current Ratio (MRQ)	1.79	4.03
Debt / Equity (MRQ)	0.60	0.99
Net Debt / EBITDA	-0.38	8.35

Dividends

Dividend Yield (TTM)

Neither Guidewire Software (GWRE) nor Nebius (NBIS) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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%

NBIS

Software & Services industry group

0.00%

NBIS: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Guidewire Software (GWRE) nor Nebius (NBIS) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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%

NBIS

Software & Services industry group

0.00%

NBIS: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

Both Guidewire Software (GWRE) at 99.02 and Nebius (NBIS) at 101.16 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

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

NBIS

Software & Services industry group

101.16

Max: 112.94
NBIS: 101.16
Q3: 60.32
Median: 32.91
Q1: 18.77
Min: 6.69

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Both look expensive on sales: Guidewire Software (GWRE) at 9.04 sits in the upper P/S ratio quartile, and Nebius (NBIS) at 25.98 prices even higher, above its industry range.

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

NBIS

Software & Services industry group

25.98

NBIS: 25.98
Max: 17.91
Q3: 8.78
Median: 4.25
Q1: 2.23
Min: 0.02

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

Nebius (NBIS) at 3.43 is valued about in line with its industry on P/B ratio, while Guidewire Software (GWRE) at 11.09 carries an above-peer premium to book — GWRE is pricier on assets.

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

NBIS

Software & Services industry group

3.43

Max: 16.63
Q3: 8.50
Median: 4.30
NBIS: 3.43
Q1: 1.92
Min: -3.90

Guidewire Software (GWRE) vs. Nebius (NBIS): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Guidewire Software (GWRE) and Nebius (NBIS)
Metric	GWRE	NBIS
P/E Ratio (TTM)	99.02	101.16
P/S Ratio (TTM)	9.04	25.98
P/B Ratio (MRQ)	11.09	3.43
Free Cash Flow Yield (TTM)	2.57%	-27.31%