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GWRE vs. ORCL: Guidewire Software vs. Oracle Stock Comparison

How do Guidewire Software (GWRE) and Oracle (ORCL) 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 Oracle (ORCL) both belong to the Software industry, though GWRE is classified under Application Software while ORCL falls under Systems Software.

Company profile comparison for Guidewire Software (GWRE) and Oracle (ORCL)
Profile ItemGWREORCL
NameGuidewire Software Inc.Oracle Corporation
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareSystems Software
Market Capitalization13.34 billion USD361.97 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJanuary 25, 2012March 12, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

GWRE
ORCL
GSPC
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Guidewire Software (GWRE) vs. Oracle (ORCL), 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 Oracle (ORCL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
Total Return (1Y)-25.97%-49.72%
Total Return (3Y, Annualized)21.68%3.11%
Total Return (5Y, Annualized)4.78%6.07%

Risk Profile

Drawdown History

GWRE
ORCL
GSPC
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Guidewire Software (GWRE) vs. Oracle (ORCL), 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 Oracle (ORCL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
Volatility (1Y, Annualized)62.03%59.45%
Beta (5Y)0.991.80
Max Drawdown (5Y)-60.79%-64.58%
Avg. Volume (3M)1.29M33.24M

Risk-Adjusted Performance

Risk-Return Positioning

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GWRE and ORCL 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 Oracle (ORCL)
MetricGWREORCL
Sharpe Ratio (1Y)-0.49-0.91
Sortino Ratio (1Y)-0.68-1.29

Profitability

ROE (TTM)

Oracle (ORCL) at 41.19% sits in the top ROE quartile, while Guidewire Software (GWRE) at 10.51% is closer to the peer norm — stronger capital efficiency for ORCL.

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%

ORCL

Software & Services industry group

41.19%

Max
53.85%
ORCL
41.19%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

Oracle (ORCL) at 26.36% retains a top-quartile share of revenue as profit, ahead of Guidewire Software (GWRE) at 9.44%, which keeps about the industry-typical share.

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%

ORCL

Software & Services industry group

26.36%

Max
41.17%
ORCL
26.36%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Oracle (ORCL) at 35.63% operates in the top operating margin quartile, ahead of Guidewire Software (GWRE) at 15.16%, which runs around its industry’s norm.

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%

ORCL

Software & Services industry group

35.63%

Max
46.89%
ORCL
35.63%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
ROE (TTM)10.51%41.19%
ROA (TTM)3.54%6.36%
Net Margin (TTM)9.44%26.36%
Operating Margin (TTM)15.16%35.63%
Gross Margin (TTM)64.21%63.96%

Growth

Revenue Growth

Both Guidewire Software (GWRE) at 22.70% and Oracle (ORCL) at 17.35% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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

EPS Growth

Guidewire Software (GWRE) at 101.23% sits in the top EPS growth quartile, while Oracle (ORCL) at 34.33% is closer to the peer norm — faster per-share earnings growth for GWRE.

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

Growth Metrics

Growth metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
Revenue Growth (YoY)22.70%17.35%
Revenue Growth (3Y CAGR)17.68%10.48%
EPS Growth (YoY)101.23%34.33%
EPS Growth (3Y CAGR)--23.84%

Financial Strength

Current Ratio (MRQ)

Both Guidewire Software (GWRE) at 1.79 and Oracle (ORCL) at 1.17 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity 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

ORCL

Software & Services industry group

1.17

Max
5.11
Q3
2.77
Median
1.67
ORCL
1.17
Q1
1.01
Min
0.03
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Guidewire Software (GWRE) at 0.60 carries an industry-typical debt-to-equity mix, while Oracle (ORCL) at 2.52 uses more debt funding than most peers.

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

ORCL

Software & Services industry group

2.52

ORCL
2.52
Max
2.52
Q3
1.13
Median
0.40
Q1
0.07
Min
0.00
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Guidewire Software (GWRE) vs. Oracle (ORCL): 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 Oracle (ORCL)
MetricGWREORCL
Current Ratio (MRQ)1.791.17
Debt / Equity (MRQ)0.602.52
Net Debt / EBITDA-0.383.84

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 Oracle (ORCL) reports a yield of 1.74%, ranking against industry peers normally.

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%

ORCL

Software & Services industry group

1.74%

ORCL
1.74%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their dividend yield against the Software & Services industry group benchmark.

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 Oracle (ORCL) reports a payout of 31.35%, ranking against industry peers normally.

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%

ORCL

Software & Services industry group

31.35%

ORCL
31.35%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
Dividend Yield (TTM)0.00%1.74%
Dividend Payout Ratio (TTM)0.00%31.35%

Valuation

P/E Ratio (TTM)

Oracle (ORCL) at 18.20 sits in the cheaper P/E ratio quartile, while Guidewire Software (GWRE) at 99.02 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

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

ORCL

Software & Services industry group

18.20

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
ORCL
18.20
Min
6.69
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Oracle (ORCL) at 5.04 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.

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

ORCL

Software & Services industry group

5.04

Max
17.91
Q3
8.78
ORCL
5.04
Median
4.25
Q1
2.23
Min
0.02
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

Oracle (ORCL) at 5.68 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

ORCL

Software & Services industry group

5.68

Max
16.63
Q3
8.50
ORCL
5.68
Median
4.30
Q1
1.92
Min
-3.90
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Guidewire Software (GWRE) vs. Oracle (ORCL): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Guidewire Software (GWRE) and Oracle (ORCL)
MetricGWREORCL
P/E Ratio (TTM)99.0218.20
P/S Ratio (TTM)9.045.04
P/B Ratio (MRQ)11.095.68
Free Cash Flow Yield (TTM)2.57%-12.67%