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Side-by-side financial comparison of Guidewire Software, Inc. (GWRE) and LendingClub Corp (LC). Click either name above to swap in a different company.
Guidewire Software, Inc. is the larger business by last-quarter revenue ($332.6M vs $252.3M, roughly 1.3× LendingClub Corp). LendingClub Corp runs the higher net margin — 20.5% vs 9.4%, a 11.0% gap on every dollar of revenue. On growth, Guidewire Software, Inc. posted the faster year-over-year revenue change (26.5% vs 15.9%). Over the past eight quarters, Guidewire Software, Inc.'s revenue compounded faster (17.5% CAGR vs 16.1%).
Guidewire Software, Inc., commonly Guidewire, is an American software company based in San Mateo, California. It offers an industry platform for property and casualty (P&C) insurance carriers in the U.S. and worldwide.
LendingClub Corporation is an American financial services company headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company reported that $15.98 billion in loans had been originated through its platform up to December 31, 2015.
GWRE vs LC — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $332.6M | $252.3M |
| Net Profit | $31.3M | $51.6M |
| Gross Margin | 63.0% | — |
| Operating Margin | 5.6% | — |
| Net Margin | 9.4% | 20.5% |
| Revenue YoY | 26.5% | 15.9% |
| Net Profit YoY | 242.6% | 341.0% |
| EPS (diluted) | $0.36 | $0.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $252.3M | ||
| Q4 25 | $332.6M | $266.5M | ||
| Q3 25 | $356.6M | $266.2M | ||
| Q2 25 | $293.5M | $248.4M | ||
| Q1 25 | $289.5M | $217.7M | ||
| Q4 24 | $262.9M | $217.2M | ||
| Q3 24 | $291.5M | $201.9M | ||
| Q2 24 | $240.7M | $187.2M |
| Q1 26 | — | $51.6M | ||
| Q4 25 | $31.3M | — | ||
| Q3 25 | $52.0M | $44.3M | ||
| Q2 25 | $46.0M | $38.2M | ||
| Q1 25 | $-37.3M | $11.7M | ||
| Q4 24 | $9.1M | — | ||
| Q3 24 | $16.8M | $14.5M | ||
| Q2 24 | $-5.5M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | 63.0% | — | ||
| Q3 25 | 65.0% | — | ||
| Q2 25 | 62.2% | — | ||
| Q1 25 | 61.9% | — | ||
| Q4 24 | 60.2% | — | ||
| Q3 24 | 64.0% | — | ||
| Q2 24 | 59.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.6% | 18.8% | ||
| Q3 25 | 8.3% | 21.5% | ||
| Q2 25 | 1.5% | 21.7% | ||
| Q1 25 | 4.0% | 7.2% | ||
| Q4 24 | -1.8% | 5.1% | ||
| Q3 24 | 3.5% | 8.9% | ||
| Q2 24 | -6.9% | 10.4% |
| Q1 26 | — | 20.5% | ||
| Q4 25 | 9.4% | — | ||
| Q3 25 | 14.6% | 16.6% | ||
| Q2 25 | 15.7% | 15.4% | ||
| Q1 25 | -12.9% | 5.4% | ||
| Q4 24 | 3.5% | — | ||
| Q3 24 | 5.7% | 7.2% | ||
| Q2 24 | -2.3% | 8.0% |
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.36 | $0.36 | ||
| Q3 25 | $0.61 | $0.37 | ||
| Q2 25 | $0.54 | $0.33 | ||
| Q1 25 | $-0.45 | $0.10 | ||
| Q4 24 | $0.11 | $0.08 | ||
| Q3 24 | $0.21 | $0.13 | ||
| Q2 24 | $-0.07 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.0B | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $1.5B |
| Total Assets | $2.6B | $11.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $920.4M | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $782.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $1.5B | $1.5B | ||
| Q3 25 | $1.5B | $1.5B | ||
| Q2 25 | $1.4B | $1.4B | ||
| Q1 25 | $1.3B | $1.4B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.3B | $1.3B |
| Q1 26 | — | $11.9B | ||
| Q4 25 | $2.6B | $11.6B | ||
| Q3 25 | $2.7B | $11.1B | ||
| Q2 25 | $2.5B | $10.8B | ||
| Q1 25 | $2.5B | $10.5B | ||
| Q4 24 | $2.6B | $10.6B | ||
| Q3 24 | $2.2B | $11.0B | ||
| Q2 24 | $2.0B | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-67.4M | — |
| Free Cash FlowOCF − Capex | $-72.3M | — |
| FCF MarginFCF / Revenue | -21.7% | — |
| Capex IntensityCapex / Revenue | 1.5% | — |
| Cash ConversionOCF / Net Profit | -2.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $286.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-67.4M | $-2.7B | ||
| Q3 25 | $244.8M | $-770.8M | ||
| Q2 25 | $32.4M | $-713.1M | ||
| Q1 25 | $86.0M | $-339.3M | ||
| Q4 24 | $-62.3M | $-2.6B | ||
| Q3 24 | $193.8M | $-669.8M | ||
| Q2 24 | $4.8M | $-932.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-72.3M | $-2.9B | ||
| Q3 25 | $241.4M | $-791.8M | ||
| Q2 25 | $31.6M | $-803.8M | ||
| Q1 25 | $85.2M | $-352.3M | ||
| Q4 24 | $-63.1M | $-2.7B | ||
| Q3 24 | $192.1M | $-682.3M | ||
| Q2 24 | $4.1M | $-945.3M |
| Q1 26 | — | — | ||
| Q4 25 | -21.7% | -1076.0% | ||
| Q3 25 | 67.7% | -297.4% | ||
| Q2 25 | 10.8% | -323.5% | ||
| Q1 25 | 29.4% | -161.8% | ||
| Q4 24 | -24.0% | -1237.8% | ||
| Q3 24 | 65.9% | -338.0% | ||
| Q2 24 | 1.7% | -504.9% |
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 52.7% | ||
| Q3 25 | 1.0% | 7.9% | ||
| Q2 25 | 0.2% | 36.5% | ||
| Q1 25 | 0.3% | 6.0% | ||
| Q4 24 | 0.3% | 25.0% | ||
| Q3 24 | 0.6% | 6.2% | ||
| Q2 24 | 0.3% | 6.9% |
| Q1 26 | — | — | ||
| Q4 25 | -2.15× | — | ||
| Q3 25 | 4.71× | -17.41× | ||
| Q2 25 | 0.70× | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | -6.82× | — | ||
| Q3 24 | 11.56× | -46.33× | ||
| Q2 24 | — | -62.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
GWRE
| Subscription | $222.7M | 67% |
| Services | $62.4M | 19% |
| Other | $33.1M | 10% |
| Support | $14.5M | 4% |
LC
Segment breakdown not available.
