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3 Unpopular Stocks Skating on Thin Ice
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Fri 02 May 25, 07:00 AM| Breakdown | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
| Income before tax | 49.40M | -26.83800M | -134.09400M | -229.71500M | -104.28100M |
| Minority interest | - | - | - | - | - |
| Net income | 69.80M | -6.10300M | -111.85500M | -180.43100M | -66.50700M |
| Selling general administrative | 184.48M | 167.52M | 328.03M | 107.39M | 93.76M |
| Selling and marketing expenses | 230.35M | 199.03M | 29.93M | 194.61M | 160.54M |
| Gross profit | 752.05M | 583.36M | 458.21M | 352.22M | 368.21M |
| Reconciled depreciation | 23.76M | 22.31M | 24.84M | 33.54M | 36.95M |
| Ebit | 62.61M | -20.10000M | -127.37800M | -199.44700M | -105.58400M |
| Ebitda | 86.36M | 2.21M | -102.54000M | -176.72900M | -48.61500M |
| Depreciation and amortization | 23.76M | 22.31M | 24.84M | 22.72M | 56.97M |
| Non operating income net other | - | - | - | -17.09900M | - |
| Operating income | 41.07M | -52.57300M | -149.49000M | -199.44700M | -105.58400M |
| Other operating expenses | 1161.39M | 1033.07M | 1054.83M | 1012.06M | 848.85M |
| Interest expense | 13.21M | 6.74M | 6.72M | 19.45M | 18.71M |
| Tax provision | -20.40900M | -20.73500M | -22.23900M | -49.28400M | -37.77400M |
| Interest income | 56.62M | 43.48M | 24.39M | 6.28M | 7.39M |
| Net interest income | 43.41M | 36.74M | 17.67M | -13.16900M | -11.31600M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -20.40900M | -20.73500M | -22.23900M | -49.28400M | -37.77400M |
| Total revenue | 1202.46M | 980.50M | 905.34M | 812.61M | 743.27M |
| Total operating expenses | 710.99M | 635.93M | 607.70M | 551.67M | 473.80M |
| Cost of revenue | 450.41M | 397.14M | 447.13M | 460.39M | 375.05M |
| Total other income expense net | 8.33M | 25.73M | -2.27700M | -30.26800M | 1.30M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 69.80M | -6.10300M | -111.85500M | -180.43100M | -66.50700M |
| Net income applicable to common shares | - | - | -111.85500M | -180.43100M | -66.50700M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
| Total assets | 2721.10M | 2226.29M | 2027.89M | 2266.90M | 2321.84M |
| Intangible assets | 12.04M | 9.01M | 14.47M | 21.36M | 19.74M |
| Earning assets | - | - | - | - | - |
| Other current assets | 86.37M | 49.79M | 51.02M | 61.22M | 28.37M |
| Total liab | 1263.87M | 883.56M | 828.42M | 815.24M | 776.95M |
| Total stockholder equity | 1457.23M | 1342.73M | 1199.47M | 1451.66M | 1544.89M |
| Deferred long term liab | - | - | 35.00M | 7.50M | 31.65M |
| Other current liab | 165.31M | 125.88M | 27.73M | 114.06M | 122.16M |
| Common stock | 0.00800M | 0.00800M | 0.00800M | 0.00800M | 0.00800M |
| Capital stock | 0.00800M | 0.00800M | 0.00800M | 0.00800M | 0.00800M |
| Retained earnings | -554.24900M | -624.05300M | -617.95000M | -283.98200M | -66.10000M |
| Other liab | - | - | 15.02M | 14.38M | 17.44M |
| Good will | 393.98M | 372.21M | 372.21M | 372.19M | 340.88M |
| Other assets | - | 0.00000M | 278.17M | 262.11M | 201.27M |
| Cash | 699.10M | 547.99M | 401.81M | 606.30M | 384.91M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 544.80M | 837.63M | 373.26M | 337.52M | 300.31M |
| Current deferred revenue | 340.25M | 281.86M | 206.92M | 170.78M | 138.70M |
| Net debt | 16.59M | -105.07300M | 38.33M | -130.72600M | 74.29M |
| Short term debt | 10.44M | 408.20M | 103.98M | 12.24M | 11.62M |
| Short long term debt | - | 398.90M | - | - | - |
| Short long term debt total | 715.69M | 442.92M | 440.14M | 475.58M | 459.20M |
| Other stockholder equity | 2020.39M | 1979.02M | 1831.27M | 1755.48M | 1617.20M |
| Property plant equipment | - | - | 106.87M | 171.03M | 177.51M |
| Total current assets | 1507.41M | 1295.53M | 1099.60M | 1252.70M | 1355.29M |
| Long term investments | 353.80M | 148.29M | 128.78M | 187.51M | 227.16M |
| Net tangible assets | - | - | 812.78M | 1058.10M | 1184.27M |
| Short term investments | 451.54M | 455.58M | 396.87M | 369.87M | 734.52M |
| Net receivables | 271.60M | 242.18M | 238.79M | 215.31M | 183.13M |
| Long term debt | 674.57M | - | 397.17M | 358.22M | 343.82M |
| Inventory | - | 17.81M | 11.11M | - | 24.36M |
| Accounts payable | 28.80M | 15.21M | 34.63M | 40.44M | 27.83M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -8.92200M | -12.24400M | -13.85900M | -19.84500M | -6.21800M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 0.00800M | 0.00800M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | -283.98200M | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 76.26M | 49.01M | 79.07M | 70.65M | 62.84M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1213.68M | 930.76M | 928.28M | 1014.19M | 966.56M |
| Capital lease obligations | 41.12M | 44.02M | 42.97M | 105.12M | 115.37M |
| Long term debt total | - | - | - | 358.22M | - |
| Breakdown | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 | 2021-07-31 |
| Investments | -236.96500M | -52.35900M | 12.71M | 312.21M | 93.05M |
| Change to liabilities | - | - | 28.55M | 45.14M | 16.57M |
| Total cashflows from investing activities | -236.96500M | -52.35900M | 12.71M | 312.21M | 64.19M |
| Net borrowings | 139.24M | 0.00000M | - | - | - |
| Total cash from financing activities | 82.29M | 1.05M | -261.57900M | -37.33500M | -159.38700M |
| Change to operating activities | - | - | -21.88100M | -30.11000M | 21.01M |
| Net income | 69.80M | -6.10300M | -111.85500M | -180.43100M | -66.50700M |
| Change in cash | 149.91M | 142.39M | -207.89600M | 229.78M | 17.94M |
| Begin period cash flow | 549.19M | 406.79M | 614.69M | 384.91M | 366.97M |
| End period cash flow | 697.90M | 549.18M | 406.79M | 614.69M | 384.91M |
| Total cash from operating activities | 300.87M | 195.75M | 38.40M | -37.94000M | 111.59M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 23.76M | 22.31M | 24.84M | 33.54M | 36.95M |
| Other cashflows from investing activities | -12.81500M | -13.50100M | - | -56.09600M | - |
| Dividends paid | - | - | - | - | - |
| Change to inventory | - | - | -35.31600M | - | 1.82M |
| Change to account receivables | -42.27800M | 20.31M | -7.30100M | -42.54500M | 10.82M |
| Sale purchase of stock | 0.00000M | 0.00000M | -261.80700M | -37.45100M | -161.31900M |
| Other cashflows from financing activities | -55.89700M | 1.05M | 0.23M | 312.21M | 1.93M |
| Change to netincome | - | - | 119.81M | 89.51M | 86.88M |
| Capital expenditures | 5.74M | 18.53M | 17.43M | 21.78M | 28.85M |
| Change receivables | - | - | - | -42.54500M | - |
| Cash flows other operating | - | - | - | 9.29M | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | 236.94M | - |
| Change in working capital | 11.31M | 52.67M | -14.06200M | -9.40500M | 29.20M |
| Stock based compensation | 161.56M | 146.46M | 142.84M | 137.01M | 115.01M |
| Other non cash items | 66.22M | 7.26M | 24.15M | 35.46M | 32.72M |
| Free cash flow | 295.13M | 177.22M | 20.97M | -59.71600M | 82.73M |
Sector: Technology Industry: Software - Application
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| GWRE Guidewire Software Inc |
-7.73 4.75% | 155.01 | 63.82 | 36.90 | 8.94 | 8.01 | 8.86 | 52.18 |
| SAPGF SAP SE |
-8.99 4.75% | 180.40 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SAP SAP SE ADR |
-10.15 5.32% | 180.67 | 75.80 | 22.37 | 5.62 | 3.75 | 5.51 | 25.79 |
| CRM Salesforce.com Inc |
-10.23 5.09% | 190.61 | 23.99 | 14.14 | 4.16 | 2.58 | 3.85 | 12.75 |
| INTU Intuit Inc |
-10.7 3.32% | 311.44 | 55.56 | 32.68 | 11.28 | 10.07 | 11.62 | 40.11 |
Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers . The company was incorporated in 2001 and is headquartered in San Mateo, California.
970 Park Pl, San Mateo, CA, United States, 94403
| Name | Title | Year Born |
|---|---|---|
| Mr. Marcus S. Ryu | Co-Founder & Chairman | 1974 |
| Mr. Michael George Rosenbaum | CEO & Director | 1971 |
| Ms. Priscilla Hung | Pres & COO | 1967 |
| Mr. John Mullen | Pres & Chief Revenue Officer | NA |
| Mr. Jeffrey Elliott Cooper | Chief Financial Officer | 1976 |
| Mr. James Winston King | Chief Admin. Officer, Gen. Counsel & Sec. | 1972 |
| Mr. Chet Mandair | Chief Information Officer | NA |
| Mr. Garo Toomajanian | Investor Relations | NA |
| Diana Stott | Director of Communications | NA |
| Mr. Brian Desmond | Chief Marketing Officer | NA |
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