GWRE vs PAYC: stock comparison and AI forecast
Guidewire Software, Inc. (GWRE) and Paycom Software, Inc. (PAYC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
GWRE Guidewire Software, Inc.
- Market Cap
- $13.32B
- P/E Ratio
- 99.7x
- Size
- large-cap
- AI Forecast
PAYC Paycom Software, Inc.
- Price
- $266.04 +101.2% · 6M
- Market Cap
- $11.99B
- P/E Ratio
- 28.3x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- GWRE is 1.1 times larger than PAYC by market capitalization ($13.32B against $11.99B).
- PAYC trades at 28.3 times trailing earnings, GWRE at 99.7 times.
- PAYC turns 22.8% of its revenue into net income, against 11.0% for GWRE.
- PAYC carries 8.10 times debt per unit of equity, against 1.16 times for GWRE.
- PAYC yields 0.65% in dividends; GWRE pays none.
- Both companies share the SEC industry classification Services-Prepackaged Software.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | GWRE | PAYC |
|---|---|---|
| Market Cap | $13.32B | $11.99B |
| P/E Ratio | 99.65x | 28.30x |
| P/B Ratio | 11.16x | 20.98x |
| Dividend Yield | – | 0.65% |
| EPS | $1.63 | $9.40 |
| Book Value/Share | $14.56 | $12.68 |
| Revenue/Share | $17.99 | $47.49 |
| FCF/Share | $4.61 | $12.76 |
Profitability & Margins
| Metric | GWRE | PAYC |
|---|---|---|
| ROE | 14.3% | 85.3% |
| ROA | 6.6% | 9.4% |
| ROIC | – | 33.1% |
| Gross Margin | 64.2% | 83.7% |
| Operating Margin | 9.7% | 30.3% |
| Net Margin | 11.0% | 22.8% |
| EBT Margin | 10.6% | 32.0% |
| Tax Rate | 15.1% | 28.7% |
Financial Health
| Metric | GWRE | PAYC |
|---|---|---|
| Current Ratio | – | 1.07x |
| Quick Ratio | – | 1.07x |
| D/E Ratio | 1.16x | 8.10x |
| Financial Leverage | 2.16x | 9.10x |
| Interest Coverage | 16.2x | 16.1x |
| Working Capital | – | $240M |
Cash Flow
| Metric | GWRE | PAYC |
|---|---|---|
| Operating Cash Flow | $390M | $802M |
| Free Cash Flow | $378M | $575M |
| Capital Spending | -$12M | -$226M |
| OCF Growth YoY | 29.5% | 43.6% |
| FCF Growth YoY | 32.0% | 60.1% |
| FCF/Sales | 25.6% | 26.9% |
| CapEx/Sales | 0.8% | 10.6% |
Operational Efficiency
| Metric | GWRE | PAYC |
|---|---|---|
| Asset Turnover | 0.57x | 0.41x |
| Receivables Turnover | – | 40.0x |
| Inventory Turnover | – | 205.7x |
| Fixed Assets Turnover | – | 3.5x |
| Days Sales Outstanding | – | 9 days |
| Days Inventory | – | 2 days |
| Payables Period | – | 8 days |
| Cash Conversion Cycle | – | 3 days |
Income Statement
| Metric | GWRE | PAYC |
|---|---|---|
| Total Revenue | $1.48B | $2.14B |
| Operating Income | $150M | $648M |
| Net Income | $171M | $488M |
| R&D Expense | $340M | $259M |
| SG&A Expense | $821M | $1.14B |
| Cost of Goods Sold | $528M | $350M |
Dividend & Shareholder Information
| Metric | GWRE | PAYC |
|---|---|---|
| Dividends Per Share | – | $1.72 |
| Payout Ratio | – | 18.3% |
| Shares Outstanding | 82M | 45M |
| Net Income Growth | 85.6% | 17.3% |
| EPS Growth | 101.2% | 26.9% |
GWRE vs PAYC: stock comparison and AI forecast
Which is bigger, GWRE or PAYC?
GWRE is 1.1 times larger than PAYC by market capitalization ($13.32B against $11.99B).
Which is cheaper on earnings, GWRE or PAYC?
PAYC trades at 28.3 times trailing earnings, GWRE at 99.7 times.
Which one does Intratio's AI model rank higher, GWRE or PAYC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.