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Side-by-side financial comparison of Guidewire Software, Inc. (GWRE) and SouthState Bank Corp (SSB). Click either name above to swap in a different company.
SouthState Bank Corp is the larger business by last-quarter revenue ($661.7M vs $332.6M, roughly 2.0× Guidewire Software, Inc.). SouthState Bank Corp runs the higher net margin — 34.1% vs 9.4%, a 24.7% gap on every dollar of revenue. Over the past eight quarters, SouthState Bank Corp's revenue compounded faster (37.4% CAGR vs 17.5%).
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.
SouthState Bank, based in Winter Haven, Florida, is an American bank and a subsidiary of SouthState Corporation, a bank holding company. As of May 26, 2025, the company had 371 branches in South Carolina, North Carolina, Georgia, Florida, Alabama, Virginia, Colorado and Texas.
GWRE vs SSB — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $332.6M | $661.7M |
| Net Profit | $31.3M | $225.8M |
| Gross Margin | 63.0% | — |
| Operating Margin | 5.6% | 15.1% |
| Net Margin | 9.4% | 34.1% |
| Revenue YoY | 26.5% | — |
| Net Profit YoY | 242.6% | 153.5% |
| EPS (diluted) | $0.36 | $2.28 |
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 | — | $661.7M | ||
| Q4 25 | $332.6M | $581.1M | ||
| Q3 25 | $356.6M | $599.7M | ||
| Q2 25 | $293.5M | $577.9M | ||
| Q1 25 | $289.5M | $544.5M | ||
| Q4 24 | $262.9M | $369.8M | ||
| Q3 24 | $291.5M | $351.5M | ||
| Q2 24 | $240.7M | $350.3M |
| Q1 26 | — | $225.8M | ||
| Q4 25 | $31.3M | $247.7M | ||
| Q3 25 | $52.0M | $246.6M | ||
| Q2 25 | $46.0M | $215.2M | ||
| Q1 25 | $-37.3M | $89.1M | ||
| Q4 24 | $9.1M | $144.2M | ||
| Q3 24 | $16.8M | $143.2M | ||
| Q2 24 | $-5.5M | $132.4M |
| 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 | — | 15.1% | ||
| Q4 25 | 5.6% | 54.3% | ||
| Q3 25 | 8.3% | 53.6% | ||
| Q2 25 | 1.5% | 48.8% | ||
| Q1 25 | 4.0% | 22.3% | ||
| Q4 24 | -1.8% | 50.7% | ||
| Q3 24 | 3.5% | 53.1% | ||
| Q2 24 | -6.9% | 49.3% |
| Q1 26 | — | 34.1% | ||
| Q4 25 | 9.4% | 42.6% | ||
| Q3 25 | 14.6% | 41.1% | ||
| Q2 25 | 15.7% | 37.2% | ||
| Q1 25 | -12.9% | 16.4% | ||
| Q4 24 | 3.5% | 39.0% | ||
| Q3 24 | 5.7% | 40.7% | ||
| Q2 24 | -2.3% | 37.8% |
| Q1 26 | — | $2.28 | ||
| Q4 25 | $0.36 | $2.47 | ||
| Q3 25 | $0.61 | $2.42 | ||
| Q2 25 | $0.54 | $2.11 | ||
| Q1 25 | $-0.45 | $0.87 | ||
| Q4 24 | $0.11 | $1.88 | ||
| Q3 24 | $0.21 | $1.86 | ||
| Q2 24 | $-0.07 | $1.73 |
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 | $2.9B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $9.0B |
| Total Assets | $2.6B | $68.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $2.9B | ||
| 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 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $9.0B | ||
| Q4 25 | $1.5B | $9.1B | ||
| Q3 25 | $1.5B | $9.0B | ||
| Q2 25 | $1.4B | $8.8B | ||
| Q1 25 | $1.3B | $8.6B | ||
| Q4 24 | $1.3B | $5.9B | ||
| Q3 24 | $1.3B | $5.9B | ||
| Q2 24 | $1.3B | $5.7B |
| Q1 26 | — | $68.0B | ||
| Q4 25 | $2.6B | $67.2B | ||
| Q3 25 | $2.7B | $66.0B | ||
| Q2 25 | $2.5B | $65.9B | ||
| Q1 25 | $2.5B | $65.1B | ||
| Q4 24 | $2.6B | $46.4B | ||
| Q3 24 | $2.2B | $46.1B | ||
| Q2 24 | $2.0B | $45.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $232.1M | ||
| Q3 25 | $244.8M | $122.4M | ||
| Q2 25 | $32.4M | $72.6M | ||
| Q1 25 | $86.0M | $-126.3M | ||
| Q4 24 | $-62.3M | $354.3M | ||
| Q3 24 | $193.8M | $-246.8M | ||
| Q2 24 | $4.8M | $126.8M |
| Q1 26 | — | — | ||
| Q4 25 | $-72.3M | $215.5M | ||
| Q3 25 | $241.4M | $101.7M | ||
| Q2 25 | $31.6M | $52.5M | ||
| Q1 25 | $85.2M | $-139.1M | ||
| Q4 24 | $-63.1M | $340.9M | ||
| Q3 24 | $192.1M | $-254.2M | ||
| Q2 24 | $4.1M | $117.3M |
| Q1 26 | — | — | ||
| Q4 25 | -21.7% | 37.1% | ||
| Q3 25 | 67.7% | 17.0% | ||
| Q2 25 | 10.8% | 9.1% | ||
| Q1 25 | 29.4% | -25.5% | ||
| Q4 24 | -24.0% | 92.2% | ||
| Q3 24 | 65.9% | -72.3% | ||
| Q2 24 | 1.7% | 33.5% |
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 2.9% | ||
| Q3 25 | 1.0% | 3.5% | ||
| Q2 25 | 0.2% | 3.5% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.3% | 3.6% | ||
| Q3 24 | 0.6% | 2.1% | ||
| Q2 24 | 0.3% | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | -2.15× | 0.94× | ||
| Q3 25 | 4.71× | 0.50× | ||
| Q2 25 | 0.70× | 0.34× | ||
| Q1 25 | — | -1.42× | ||
| Q4 24 | -6.82× | 2.46× | ||
| Q3 24 | 11.56× | -1.72× | ||
| Q2 24 | — | 0.96× |
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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
