Risk factors
Guidewire Software (GWRE) risk factors
Item 1A of every Guidewire Software, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2026 10-K risk factors48 risks5 new8 dropped15 reworded
AI risks now emphasize third-party infrastructure, foundational models, AI-skilled talent, and regulatory uncertainty.
Filed Sep 11, 2026 - FY2025 10-K risk factors51 risks
Guidewire faces concentration risk from P&C insurance customers and lengthy sales cycles. Growth relies on cloud subscription adoption and international expansion. Operations depend on third-party cloud infrastructure like AWS and proprietary software maintenance. Artificial intelligence adoption introduces new competitive, regulatory, and operational challenges.
Filed Sep 11, 2025