Bill
BILL · Application Software
$50.70
0.1%Guidewire Software
GWRE · Application Software
$189.00
0.3%The short version
- Bill is the larger business, with $1.7B of revenue in fiscal 2026 against $1.5B for Guidewire Software.
- Guidewire Software grew revenue faster (22.7%, against 13.0%).
- Guidewire Software kept more of each dollar of sales as operating profit (10.2% operating margin, against −4.4% operating margin).
- Guidewire Software turned more of its sales into free cash flow (25.6% FCF margin, against 25.0% FCF margin).
- Guidewire Software earned a higher return on the capital invested in it (12.1%, against −1.7%).
| Latest fiscal year | BILL · FY26 | GWRE · FY26 |
|---|---|---|
| Size | ||
| Market cap | $5.1B | $16.1B |
| Revenue | $1.7B | $1.5B |
| Free cash flow | $413M | $378M |
| Net income | −$11.2M | $139M |
| Growth | ||
| Revenue growth | 13.0% | 22.7% |
| 5-year growth | 47.3% | 14.7% |
| Share count change | −3.8% | −0.6% |
| Profitability | ||
| Gross margin | 80.9% | 64.2% |
| Operating margin | −4.4% | 10.2% |
| Net margin | −0.7% | 9.4% |
| FCF margin | 25.0% | 25.6% |
| Return on capital | −1.7% | 12.1% |
| Return on equity | −0.3% | 10.5% |
| Balance sheet | ||
| Net debt | −$101M | −$75.0M |
| Net debt / EBITDA | — | −0.4x |
| Dividends and buybacks | $561M | $606M |
| Valuation & quality | ||
| P/E | — | 116.0x |
| Piotroski F-score | 4 | 8 |
FY17
BILL —
GWRE $510M
FY18
BILL $64.9M
GWRE $653M
FY19
BILL $108M
GWRE $720M
FY20
BILL $158M
GWRE $742M
FY21
BILL $238M
GWRE $743M
FY22
BILL $642M
GWRE $813M
FY23
BILL $1.1B
GWRE $905M
FY24
BILL $1.3B
GWRE $981M
FY25
BILL $1.5B
GWRE $1.2B
FY26
BILL $1.7B
GWRE $1.5B
BILL
GWRE
FY17
BILL —
GWRE 4.3%
FY18
BILL −12.1%
GWRE −2.4%
FY19
BILL −9.1%
GWRE 0.2%
FY20
BILL −21.7%
GWRE −3.2%
FY21
BILL −47.8%
GWRE −14.2%
FY22
BILL −49.4%
GWRE −24.5%
FY23
BILL −27.9%
GWRE −16.5%
FY24
BILL −13.5%
GWRE −5.4%
FY25
BILL −5.5%
GWRE 3.4%
FY26
BILL −4.4%
GWRE 10.2%
BILL
GWRE
FY17
BILL —
GWRE $133M
FY18
BILL −$9.7M
GWRE $131M
FY19
BILL −$6.7M
GWRE $71.2M
FY20
BILL −$15.9M
GWRE $91.7M
FY21
BILL −$14.3M
GWRE $92.6M
FY22
BILL −$23.5M
GWRE −$47.5M
FY23
BILL $180M
GWRE $32.6M
FY24
BILL $278M
GWRE $189M
FY25
BILL $346M
GWRE $295M
FY26
BILL $413M
GWRE $378M
BILL
GWRE
FY17
BILL —
GWRE —
FY18
BILL —
GWRE —
FY19
BILL —
GWRE 0.2%
FY20
BILL —
GWRE −2.3%
FY21
BILL —
GWRE −10.3%
FY22
BILL −9.2%
GWRE −19.7%
FY23
BILL −7.3%
GWRE −14.5%
FY24
BILL −4.1%
GWRE −5.4%
FY25
BILL −1.8%
GWRE 4.8%
FY26
BILL −1.7%
GWRE 12.1%
BILL
GWRE
Add another company
Compare up to four at once.
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.