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ACI Worldwide vs Guidewire Software: ACIW and GWRE compared
ACI Worldwide is the larger company: $427M of revenue in its latest quarter (Q3 2026) against $411M for Guidewire Software (Q4 FY26). Guidewire Software is growing faster (+15% against -12% a year earlier). Guidewire Software is more profitable, with an operating margin of 15.2% against 12.3%.
Where the money goes: ACIW and GWRE
ACI Worldwide (ACIW) · Q3 2026
ACI Worldwide, Q3 2026: revenue $427M (-12% year over year), operating margin 12.3%, net earnings $32.5M, operating cash flow $119M. The chart follows the revenue to costs, profit and cash.
Guidewire Software (GWRE) · Q4 FY26
Guidewire Software, Q4 FY26: revenue $411M (+15% year over year), operating margin 15.2%, net earnings $31.4M, operating cash flow $284M. The chart follows the revenue to costs, profit and cash.
| ACI Worldwide (ACIW) | Guidewire Software (GWRE) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q4 FY26 |
| Revenue | $427M | $411M |
| Revenue growth, Y/Y | -12% | +15% |
| Gross margin | — | 65.6% |
| Operating margin | 12.3% | 15.2% |
| Net earnings | $32.5M | $31.4M |
| Net margin | 7.6% | 7.6% |
| Operating cash flow | $119M | $284M |
| Free cash flow | $116M | $282M |
| Market value | $6.1B | $13.7B |
| P/E | 37.3× | 98.6× |
| Analysts’ mean target | $68.00 | $213.64 |
Where the revenue comes from
ACI Worldwide
- Software as a service and platform as a service: $258M (61%)
- License: $94.8M (22%)
- Maintenance: $51.0M (12%)
- Services: $22.7M (5%)
Guidewire Software
- Subscription and support: $267M (65%)
- License: $77.1M (19%)
- Services: $67.3M (16%)
Questions
Which is bigger, ACI Worldwide or Guidewire Software?
ACI Worldwide is the larger company: $427M of revenue in its latest quarter (Q3 2026) against $411M for Guidewire Software (Q4 FY26).
Is ACI Worldwide or Guidewire Software growing faster?
Guidewire Software is growing faster (+15% against -12% a year earlier).
Which is more profitable, ACI Worldwide or Guidewire Software?
Guidewire Software is more profitable, with an operating margin of 15.2% against 12.3%.
More: ACI Worldwide earnings · how ACI Worldwide makes money · Guidewire Software earnings · how Guidewire Software makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-K filed Sep 11, 2026). Fiscal quarters can end on different dates. Not investment advice.