GWRE vs. SAP: Guidewire Software vs. SAP Stock Comparison
How do Guidewire Software (GWRE) and SAP (SAP) 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 SAP (SAP) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.
Guidewire Software (GWRE) trades as ordinary local shares, while SAP (SAP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | GWRE | SAP |
|---|---|---|
| Name | Guidewire Software Inc. | SAP SE Sponsored ADR |
| Country/Region | United States | Germany |
| 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 | 13.34 billion USD | 269.45 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 25, 2012 | September 18, 1995 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Total Return (1Y) | -25.97% | -3.87% |
| Total Return (3Y, Annualized) | 21.68% | 20.21% |
| Total Return (5Y, Annualized) | 4.78% | 11.79% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Volatility (1Y, Annualized) | 62.03% | 39.05% |
| Beta (5Y) | 0.99 | 1.09 |
| Max Drawdown (5Y) | -60.79% | -52.26% |
| Avg. Volume (3M) | 1.29M | 2.27M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Sharpe Ratio (1Y) | -0.49 | -0.21 |
| Sortino Ratio (1Y) | -0.68 | -0.29 |
Profitability
ROE (TTM)
SAP (SAP) at 18.18% sits in the top ROE quartile, while Guidewire Software (GWRE) at 10.51% is closer to the peer norm — stronger capital efficiency for SAP.
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%
SAP
Software & Services industry group
18.18%
- Max
- 53.85%
- SAP
- 18.18%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
SAP (SAP) at 20.41% 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%
SAP
Software & Services industry group
20.41%
- Max
- 41.17%
- SAP
- 20.41%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
SAP (SAP) at 29.50% 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%
SAP
Software & Services industry group
29.50%
- Max
- 46.89%
- SAP
- 29.50%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | GWRE | SAP |
|---|---|---|
| ROE (TTM) | 10.51% | 18.18% |
| ROA (TTM) | 3.54% | 9.91% |
| Net Margin (TTM) | 9.44% | 20.41% |
| Operating Margin (TTM) | 15.16% | 29.50% |
| Gross Margin (TTM) | 64.21% | 73.58% |
Growth
Revenue Growth
Both Guidewire Software (GWRE) at 22.70% and SAP (SAP) at 7.68% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Guidewire Software (GWRE) at 101.23% and SAP (SAP) at 130.19% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.
Growth Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Revenue Growth (YoY) | 22.70% | 7.68% |
| Revenue Growth (3Y CAGR) | 17.68% | 7.63% |
| EPS Growth (YoY) | 101.23% | 130.19% |
| EPS Growth (3Y CAGR) | -- | 46.25% |
Financial Strength
Current Ratio (MRQ)
Both Guidewire Software (GWRE) at 1.79 and SAP (SAP) at 1.16 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
SAP
Software & Services industry group
1.16
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- SAP
- 1.16
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Both Guidewire Software (GWRE) at 0.60 and SAP (SAP) at 0.23 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
SAP
Software & Services industry group
0.23
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- SAP
- 0.23
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Current Ratio (MRQ) | 1.79 | 1.16 |
| Debt / Equity (MRQ) | 0.60 | 0.23 |
| Net Debt / EBITDA | -0.38 | -0.03 |
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 SAP (SAP) reports a yield of 1.03%, 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%
SAP
Software & Services industry group
1.03%
- SAP
- 1.03%
- 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 SAP (SAP) reports a payout of 36.45%, 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%
SAP
Software & Services industry group
36.45%
- SAP
- 36.45%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | GWRE | SAP |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.03% |
| Dividend Payout Ratio (TTM) | 0.00% | 36.45% |
Valuation
P/E Ratio (TTM)
SAP (SAP) at 29.07 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.
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
SAP
Software & Services industry group
29.07
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- SAP
- 29.07
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
SAP (SAP) at 6.84 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
SAP
Software & Services industry group
6.84
- Max
- 17.91
- Q3
- 8.78
- SAP
- 6.84
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
P/B Ratio (MRQ)
Both look rich against book: Guidewire Software (GWRE) at 11.09 sits in the upper P/B ratio quartile, and SAP (SAP) at 73.25 prices even higher, above its industry range.
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
SAP
Software & Services industry group
73.25
- SAP
- 73.25
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | GWRE | SAP |
|---|---|---|
| P/E Ratio (TTM) | 99.02 | 29.07 |
| P/S Ratio (TTM) | 9.04 | 6.84 |
| P/B Ratio (MRQ) | 11.09 | 73.25 |
| Free Cash Flow Yield (TTM) | 2.57% | 3.73% |