vs
Side-by-side financial comparison of Guidewire Software, Inc. (GWRE) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Guidewire Software, Inc. is the larger business by last-quarter revenue ($332.6M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 9.4%, a 40.0% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 26.5%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-72.3M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% 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.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
GWRE vs TMP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $332.6M | $194.8M |
| Net Profit | $31.3M | $96.2M |
| Gross Margin | 63.0% | — |
| Operating Margin | 5.6% | 71.7% |
| Net Margin | 9.4% | 49.4% |
| Revenue YoY | 26.5% | 152.7% |
| Net Profit YoY | 242.6% | 388.9% |
| EPS (diluted) | $0.36 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $356.6M | $87.4M | ||
| Q2 25 | $293.5M | $82.6M | ||
| Q1 25 | $289.5M | $81.7M | ||
| Q4 24 | $262.9M | $77.1M | ||
| Q3 24 | $291.5M | $76.6M | ||
| Q2 24 | $240.7M | $72.7M | ||
| Q1 24 | $240.9M | $72.8M |
| Q4 25 | $31.3M | $96.2M | ||
| Q3 25 | $52.0M | $23.7M | ||
| Q2 25 | $46.0M | $21.5M | ||
| Q1 25 | $-37.3M | $19.7M | ||
| Q4 24 | $9.1M | $19.7M | ||
| Q3 24 | $16.8M | $18.6M | ||
| Q2 24 | $-5.5M | $15.7M | ||
| Q1 24 | $9.7M | $16.9M |
| 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% | 71.7% | ||
| Q3 25 | 8.3% | 35.6% | ||
| Q2 25 | 1.5% | 34.2% | ||
| Q1 25 | 4.0% | 31.6% | ||
| Q4 24 | -1.8% | 33.4% | ||
| Q3 24 | 3.5% | 32.0% | ||
| Q2 24 | -6.9% | 28.3% | ||
| Q1 24 | -5.2% | 30.4% |
| Q4 25 | 9.4% | 49.4% | ||
| Q3 25 | 14.6% | 27.1% | ||
| Q2 25 | 15.7% | 26.0% | ||
| Q1 25 | -12.9% | 24.1% | ||
| Q4 24 | 3.5% | 25.5% | ||
| Q3 24 | 5.7% | 24.3% | ||
| Q2 24 | -2.3% | 21.6% | ||
| Q1 24 | 4.0% | 23.2% |
| Q4 25 | $0.36 | $6.72 | ||
| Q3 25 | $0.61 | $1.65 | ||
| Q2 25 | $0.54 | $1.50 | ||
| Q1 25 | $-0.45 | $1.37 | ||
| Q4 24 | $0.11 | $1.39 | ||
| Q3 24 | $0.21 | $1.30 | ||
| Q2 24 | $-0.07 | $1.10 | ||
| Q1 24 | $0.12 | $1.18 |
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 | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $938.4M |
| Total Assets | $2.6B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $132.8M | ||
| Q3 25 | $1.1B | $193.5M | ||
| Q2 25 | $920.4M | $212.6M | ||
| Q1 25 | $1.2B | $193.1M | ||
| Q4 24 | $1.3B | $134.4M | ||
| Q3 24 | $1.0B | $132.3M | ||
| Q2 24 | $782.3M | $70.9M | ||
| Q1 24 | $777.6M | $57.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $938.4M | ||
| Q3 25 | $1.5B | $788.8M | ||
| Q2 25 | $1.4B | $761.8M | ||
| Q1 25 | $1.3B | $741.4M | ||
| Q4 24 | $1.3B | $713.4M | ||
| Q3 24 | $1.3B | $719.9M | ||
| Q2 24 | $1.3B | $674.6M | ||
| Q1 24 | $1.3B | $667.9M |
| Q4 25 | $2.6B | $8.7B | ||
| Q3 25 | $2.7B | $8.5B | ||
| Q2 25 | $2.5B | $8.4B | ||
| Q1 25 | $2.5B | $8.2B | ||
| Q4 24 | $2.6B | $8.1B | ||
| Q3 24 | $2.2B | $8.0B | ||
| Q2 24 | $2.0B | $7.9B | ||
| Q1 24 | $2.0B | $7.8B |
| 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 | $38.9M |
| Free Cash FlowOCF − Capex | $-72.3M | $31.9M |
| FCF MarginFCF / Revenue | -21.7% | 16.4% |
| Capex IntensityCapex / Revenue | 1.5% | 3.6% |
| Cash ConversionOCF / Net Profit | -2.15× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $286.0M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-67.4M | $38.9M | ||
| Q3 25 | $244.8M | $34.9M | ||
| Q2 25 | $32.4M | $18.9M | ||
| Q1 25 | $86.0M | $22.2M | ||
| Q4 24 | $-62.3M | $95.0M | ||
| Q3 24 | $193.8M | $21.2M | ||
| Q2 24 | $4.8M | $27.3M | ||
| Q1 24 | $69.3M | $23.2M |
| Q4 25 | $-72.3M | $31.9M | ||
| Q3 25 | $241.4M | $33.9M | ||
| Q2 25 | $31.6M | $18.3M | ||
| Q1 25 | $85.2M | $20.9M | ||
| Q4 24 | $-63.1M | $88.8M | ||
| Q3 24 | $192.1M | $18.9M | ||
| Q2 24 | $4.1M | $26.3M | ||
| Q1 24 | $66.3M | $21.9M |
| Q4 25 | -21.7% | 16.4% | ||
| Q3 25 | 67.7% | 38.8% | ||
| Q2 25 | 10.8% | 22.1% | ||
| Q1 25 | 29.4% | 25.5% | ||
| Q4 24 | -24.0% | 115.1% | ||
| Q3 24 | 65.9% | 24.7% | ||
| Q2 24 | 1.7% | 36.2% | ||
| Q1 24 | 27.5% | 30.0% |
| Q4 25 | 1.5% | 3.6% | ||
| Q3 25 | 1.0% | 1.1% | ||
| Q2 25 | 0.2% | 0.8% | ||
| Q1 25 | 0.3% | 1.7% | ||
| Q4 24 | 0.3% | 8.1% | ||
| Q3 24 | 0.6% | 2.9% | ||
| Q2 24 | 0.3% | 1.3% | ||
| Q1 24 | 1.2% | 1.9% |
| Q4 25 | -2.15× | 0.40× | ||
| Q3 25 | 4.71× | 1.47× | ||
| Q2 25 | 0.70× | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | -6.82× | 4.82× | ||
| Q3 24 | 11.56× | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 7.15× | 1.38× |
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% |
TMP
Segment breakdown not available.
