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GWRE

Guidewire Software, Inc.
CIK 0001528396 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
80.0
composite ยท 2 signals ยท ELEVATED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-05 ยท FY 2025-07-31 ยท ELEVATED100.0

Tax arbitrage

ETR -41.3% vs 21% statutory โ€” gap persistent across 1 of 1 years
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-09-11) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2025-07-31": -0.4132
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-07-31": 0.6232
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-07-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1528396/000152839625000221/0001528396-25-000221-index.htm",
    "form": "10-K",
    "filed": "2025-09-11"
  }
}
P-13 ยท FY 2025-07-31 ยท CLEAN0.0

Zombie / distress

Interest coverage 3.11x โ€” servicing debt from operations
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-09-11) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2025-07-31": 3.109,
    "2024-07-31": -7.802,
    "2023-07-31": -22.259,
    "2022-07-31": -10.256
  },
  "consecutive_years_below_1": 0,
  "altman_z_double_prime": 2.969,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": 41068000,
    "interest_expense_t": 13211000
  },
  "stale": false,
  "latest_filing_period": "2025-07-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1528396/000152839625000221/0001528396-25-000221-index.htm",
    "form": "10-K",
    "filed": "2025-09-11"
  }
}