Clearwater Analytics Holdings, Inc. (CWAN) FY2025 10-K Annual Report

Filed: Feb 18, 2026
Information Technology
Services-Prepackaged SoftwareSEC EDGAR

Clearwater Analytics Holdings, Inc. (CWAN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 18, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.

Clearwater Analytics Holdings, Inc. FY2025 10-K Analysis

Business Overview

  • Core business: Cloud-based investment accounting and analytics platform for institutional investors
  • New focus: Agreement to be acquired for $8.4 billion by investor group including Permira, Warburg Pincus, Temasek, Francisco Partners
  • Strategic shift: Transition from public company to private ownership expected Q2 2026 post-merger
  • Notable metric: Merger consideration of $24.55 cash per Class A common share offered to stockholders
  • Unusual fact: Early HSR antitrust waiting period termination granted February 13, 2026, accelerating merger timeline

Management Discussion & Analysis

  • Revenue not explicitly stated, no YoY change or dollar amounts disclosed in MD&A
  • No profitability or margin percentages provided in the discussion
  • No segment performance figures or best/worst segment data disclosed
  • No cash flow, buybacks, dividends, or capex details mentioned
  • Merger announced valued at ~$8.4B, $24.55/share cash consideration, expected close Q2 2026, pending regulatory and stockholder approvals

Risk Factors

  • Regulatory risk from TRA Settlement Payments of $72.5 million gross plus $6.5 million third-party expenses in 2024
  • Geopolitical/macroeconomic exposure via acquired entities increasing accounts receivable by $11.1 million in 2025
  • Operational vulnerability due to $1,074.8 million acquisitions of Enfusion and Beacon in 2025 increasing capital outlay
  • Competitive risk from acquisitions of Wilshire Technology (2024) and Enfusion/Beacon (2025) signaling market consolidation moves
  • Financial risk from $924.5 million borrowings in 2025 partially offset by $154.1 million debt repayment, indicating high leverage

Clearwater Analytics Holdings, Inc. FY2025 Key Financial Metrics
XBRL

Revenue

$731M

+61.9% YoY

Net Income

-$39M

-109.1% YoY

Gross Margin

67.3%

-549bp YoY

Operating Margin

-1.1%

-376bp YoY

Net Margin

-5.3%

-9924bp YoY

ROE

-1.9%

-4401bp YoY

Total Assets

$3.0B

+159.2% YoY

EPS (Diluted)

$-0.14

-108.3% YoY

Operating Cash Flow

$176M

+136.7% YoY

Source: XBRL data from Clearwater Analytics Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.

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