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Side-by-side financial comparison of Guidewire Software, Inc. (GWRE) and OFG BANCORP (OFG). Click either name above to swap in a different company.
Guidewire Software, Inc. is the larger business by last-quarter revenue ($332.6M vs $184.3M, roughly 1.8× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 9.4%, a 20.9% gap on every dollar of revenue. On growth, Guidewire Software, Inc. posted the faster year-over-year revenue change (26.5% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-72.3M). Over the past eight quarters, Guidewire Software, Inc.'s revenue compounded faster (17.5% CAGR vs 2.8%).
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.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
GWRE vs OFG — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $332.6M | $184.3M |
| Net Profit | $31.3M | $55.9M |
| Gross Margin | 63.0% | — |
| Operating Margin | 5.6% | 25.7% |
| Net Margin | 9.4% | 30.3% |
| Revenue YoY | 26.5% | 0.9% |
| Net Profit YoY | 242.6% | 11.0% |
| EPS (diluted) | $0.36 | $1.27 |
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.
| Q4 25 | $332.6M | $184.3M | ||
| Q3 25 | $356.6M | $186.2M | ||
| Q2 25 | $293.5M | $182.4M | ||
| Q1 25 | $289.5M | $178.6M | ||
| Q4 24 | $262.9M | $182.7M | ||
| Q3 24 | $291.5M | $174.7M | ||
| Q2 24 | $240.7M | $179.8M | ||
| Q1 24 | $240.9M | $174.4M |
| Q4 25 | $31.3M | $55.9M | ||
| Q3 25 | $52.0M | $51.8M | ||
| Q2 25 | $46.0M | $51.8M | ||
| Q1 25 | $-37.3M | $45.6M | ||
| Q4 24 | $9.1M | $50.3M | ||
| Q3 24 | $16.8M | $47.0M | ||
| Q2 24 | $-5.5M | $51.1M | ||
| Q1 24 | $9.7M | $49.7M |
| 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 24 | 59.1% | — |
| Q4 25 | 5.6% | 25.7% | ||
| Q3 25 | 8.3% | 33.0% | ||
| Q2 25 | 1.5% | 36.1% | ||
| Q1 25 | 4.0% | 33.3% | ||
| Q4 24 | -1.8% | 28.9% | ||
| Q3 24 | 3.5% | 35.4% | ||
| Q2 24 | -6.9% | 39.6% | ||
| Q1 24 | -5.2% | 38.9% |
| Q4 25 | 9.4% | 30.3% | ||
| Q3 25 | 14.6% | 27.8% | ||
| Q2 25 | 15.7% | 28.4% | ||
| Q1 25 | -12.9% | 25.5% | ||
| Q4 24 | 3.5% | 27.6% | ||
| Q3 24 | 5.7% | 26.9% | ||
| Q2 24 | -2.3% | 28.4% | ||
| Q1 24 | 4.0% | 28.5% |
| Q4 25 | $0.36 | $1.27 | ||
| Q3 25 | $0.61 | $1.16 | ||
| Q2 25 | $0.54 | $1.15 | ||
| Q1 25 | $-0.45 | $1.00 | ||
| Q4 24 | $0.11 | $1.10 | ||
| Q3 24 | $0.21 | $1.00 | ||
| Q2 24 | $-0.07 | $1.08 | ||
| Q1 24 | $0.12 | $1.05 |
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 | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $1.4B |
| Total Assets | $2.6B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $1.0B | ||
| Q3 25 | $1.1B | $740.3M | ||
| Q2 25 | $920.4M | $851.8M | ||
| Q1 25 | $1.2B | $710.6M | ||
| Q4 24 | $1.3B | $591.1M | ||
| Q3 24 | $1.0B | $680.6M | ||
| Q2 24 | $782.3M | $740.4M | ||
| Q1 24 | $777.6M | $754.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.5B | $1.4B | ||
| Q2 25 | $1.4B | $1.3B | ||
| Q1 25 | $1.3B | $1.3B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.3B | $1.2B | ||
| Q1 24 | $1.3B | $1.2B |
| Q4 25 | $2.6B | $12.5B | ||
| Q3 25 | $2.7B | $12.2B | ||
| Q2 25 | $2.5B | $12.2B | ||
| Q1 25 | $2.5B | $11.7B | ||
| Q4 24 | $2.6B | $11.5B | ||
| Q3 24 | $2.2B | $11.5B | ||
| Q2 24 | $2.0B | $11.3B | ||
| Q1 24 | $2.0B | $11.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $217.7M |
| Free Cash FlowOCF − Capex | $-72.3M | $199.3M |
| FCF MarginFCF / Revenue | -21.7% | 108.1% |
| Capex IntensityCapex / Revenue | 1.5% | 10.0% |
| Cash ConversionOCF / Net Profit | -2.15× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $286.0M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-67.4M | $217.7M | ||
| Q3 25 | $244.8M | $39.5M | ||
| Q2 25 | $32.4M | $35.9M | ||
| Q1 25 | $86.0M | $83.1M | ||
| Q4 24 | $-62.3M | $252.5M | ||
| Q3 24 | $193.8M | $58.1M | ||
| Q2 24 | $4.8M | $95.1M | ||
| Q1 24 | $69.3M | $61.0M |
| Q4 25 | $-72.3M | $199.3M | ||
| Q3 25 | $241.4M | $35.5M | ||
| Q2 25 | $31.6M | $31.8M | ||
| Q1 25 | $85.2M | $78.7M | ||
| Q4 24 | $-63.1M | $231.2M | ||
| Q3 24 | $192.1M | $51.8M | ||
| Q2 24 | $4.1M | $90.4M | ||
| Q1 24 | $66.3M | $54.8M |
| Q4 25 | -21.7% | 108.1% | ||
| Q3 25 | 67.7% | 19.1% | ||
| Q2 25 | 10.8% | 17.4% | ||
| Q1 25 | 29.4% | 44.1% | ||
| Q4 24 | -24.0% | 126.5% | ||
| Q3 24 | 65.9% | 29.6% | ||
| Q2 24 | 1.7% | 50.3% | ||
| Q1 24 | 27.5% | 31.4% |
| Q4 25 | 1.5% | 10.0% | ||
| Q3 25 | 1.0% | 2.1% | ||
| Q2 25 | 0.2% | 2.3% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.3% | 11.7% | ||
| Q3 24 | 0.6% | 3.6% | ||
| Q2 24 | 0.3% | 2.6% | ||
| Q1 24 | 1.2% | 3.5% |
| Q4 25 | -2.15× | 3.90× | ||
| Q3 25 | 4.71× | 0.76× | ||
| Q2 25 | 0.70× | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | -6.82× | 5.02× | ||
| Q3 24 | 11.56× | 1.24× | ||
| Q2 24 | — | 1.86× | ||
| Q1 24 | 7.15× | 1.23× |
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% |
OFG
Segment breakdown not available.
