Insurance - Property & Casualty
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STC vs ICE
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Data & Stock Exchanges
STC vs ICE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Property & Casualty | Financial - Data & Stock Exchanges |
| Market Cap | $2.10B | $86.89B |
| Revenue (TTM) | $2.92B | $12.64B |
| Net Income (TTM) | $116M | $3.30B |
| Gross Margin | 87.7% | 61.9% |
| Operating Margin | 5.7% | 38.7% |
| Forward P/E | 11.4x | 19.1x |
| Total Debt | $891M | $20.28B |
| Cash & Equiv. | $322M | $837M |
STC vs ICE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Stewart Information… (STC) | 100 | 223.8 | +123.8% |
| Intercontinental Ex… (ICE) | 100 | 157.7 | +57.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: STC vs ICE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
STC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.78, yield 2.9%
- Rev growth 17.3%, EPS growth 54.8%, 3Y rev CAGR -1.6%
- 17.3% revenue growth vs ICE's 7.5%
ICE is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 222.9% 10Y total return vs STC's 133.3%
- Lower volatility, beta 0.33, Low D/E 69.9%, current ratio 1.02x
- Beta 0.33, yield 1.3%, current ratio 1.02x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 17.3% revenue growth vs ICE's 7.5% | |
| Value | Lower P/E (11.4x vs 19.1x) | |
| Quality / Margins | 26.1% margin vs STC's 4.0% | |
| Stability / Safety | Beta 0.33 vs STC's 0.78 | |
| Dividends | 2.9% yield, 15-year raise streak, vs ICE's 1.3% | |
| Momentum (1Y) | +9.4% vs ICE's -11.3% | |
| Efficiency (ROA) | 4.0% ROA vs ICE's 2.3%, ROIC 6.2% vs 7.5% |
STC vs ICE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
STC vs ICE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
ICE leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ICE is the larger business by revenue, generating $12.6B annually — 4.3x STC's $2.9B. ICE is the more profitable business, keeping 26.1% of every revenue dollar as net income compared to STC's 4.0%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $2.9B | $12.6B |
| EBITDAEarnings before interest/tax | $227M | $6.5B |
| Net IncomeAfter-tax profit | $116M | $3.3B |
| Free Cash FlowCash after capex | $132M | $4.3B |
| Gross MarginGross profit ÷ Revenue | +87.7% | +61.9% |
| Operating MarginEBIT ÷ Revenue | +5.7% | +38.7% |
| Net MarginNet income ÷ Revenue | +4.0% | +26.1% |
| FCF MarginFCF ÷ Revenue | +4.5% | +33.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +18.7% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +56.3% | +23.1% |
Valuation Metrics
STC leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 17.1x trailing earnings, STC trades at a 36% valuation discount to ICE's 26.6x P/E. On an enterprise value basis, STC's 11.8x EV/EBITDA is more attractive than ICE's 16.5x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $2.1B | $86.9B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $106.3B |
| Trailing P/EPrice ÷ TTM EPS | 17.08x | 26.59x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.37x | 19.14x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.99x |
| EV / EBITDAEnterprise value multiple | 11.80x | 16.47x |
| Price / SalesMarket cap ÷ Revenue | 0.72x | 6.88x |
| Price / BookPrice ÷ Book value/share | 1.21x | 3.02x |
| Price / FCFMarket cap ÷ FCF | 15.91x | 20.26x |
Profitability & Efficiency
STC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
ICE delivers a 11.6% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $8 for STC. STC carries lower financial leverage with a 0.54x debt-to-equity ratio, signaling a more conservative balance sheet compared to ICE's 0.70x. On the Piotroski fundamental quality scale (0–9), ICE scores 9/9 vs STC's 4/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +7.7% | +11.6% |
| ROA (TTM)Return on assets | +4.0% | +2.3% |
| ROICReturn on invested capital | +6.2% | +7.5% |
| ROCEReturn on capital employed | +5.5% | +9.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 9 |
| Debt / EquityFinancial leverage | 0.54x | 0.70x |
| Net DebtTotal debt minus cash | $569M | $19.4B |
| Cash & Equiv.Liquid assets | $322M | $837M |
| Total DebtShort + long-term debt | $891M | $20.3B |
| Interest CoverageEBIT ÷ Interest expense | 8.82x | 6.53x |
Total Returns (Dividends Reinvested)
STC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ICE five years ago would be worth $14,243 today (with dividends reinvested), compared to $12,935 for STC. Over the past 12 months, STC leads with a +9.4% total return vs ICE's -11.3%. The 3-year compound annual growth rate (CAGR) favors STC at 21.0% vs ICE's 14.0% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -0.7% | -3.8% |
| 1-Year ReturnPast 12 months | +9.4% | -11.3% |
| 3-Year ReturnCumulative with dividends | +77.3% | +48.2% |
| 5-Year ReturnCumulative with dividends | +29.4% | +42.4% |
| 10-Year ReturnCumulative with dividends | +133.3% | +222.9% |
| CAGR (3Y)Annualised 3-year return | +21.0% | +14.0% |
Risk & Volatility
Evenly matched — STC and ICE each lead in 1 of 2 comparable metrics.
Risk & Volatility
ICE is the less volatile stock with a 0.33 beta — it tends to amplify market swings less than STC's 0.78 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. STC currently trades 87.8% from its 52-week high vs ICE's 81.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 0.33x |
| 52-Week HighHighest price in past year | $78.61 | $189.35 |
| 52-Week LowLowest price in past year | $56.39 | $143.17 |
| % of 52W HighCurrent price vs 52-week peak | +87.8% | +81.0% |
| RSI (14)Momentum oscillator 0–100 | 56.1 | 42.0 |
| Avg Volume (50D)Average daily shares traded | 202K | 3.1M |
Analyst Outlook
STC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates STC as "Buy" and ICE as "Buy". Consensus price targets imply 27.6% upside for ICE (target: $196) vs 16.7% for STC (target: $81). For income investors, STC offers the higher dividend yield at 2.92% vs ICE's 1.26%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $80.50 | $195.71 |
| # AnalystsCovering analysts | 8 | 36 |
| Dividend YieldAnnual dividend ÷ price | +2.9% | +1.3% |
| Dividend StreakConsecutive years of raises | 15 | 14 |
| Dividend / ShareAnnual DPS | $2.01 | $1.93 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +1.6% |
STC leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). ICE leads in 1 (Income & Cash Flow). 1 tied.
STC vs ICE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is STC or ICE a better buy right now?
For growth investors, Stewart Information Services Corporation (STC) is the stronger pick with 17.
3% revenue growth year-over-year, versus 7. 5% for Intercontinental Exchange, Inc. (ICE). Stewart Information Services Corporation (STC) offers the better valuation at 17. 1x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate Stewart Information Services Corporation (STC) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — STC or ICE?
On trailing P/E, Stewart Information Services Corporation (STC) is the cheapest at 17.
1x versus Intercontinental Exchange, Inc. at 26. 6x. On forward P/E, Stewart Information Services Corporation is actually cheaper at 11. 4x.
03Which is the better long-term investment — STC or ICE?
Over the past 5 years, Intercontinental Exchange, Inc.
(ICE) delivered a total return of +42. 4%, compared to +29. 4% for Stewart Information Services Corporation (STC). Over 10 years, the gap is even starker: ICE returned +222. 9% versus STC's +133. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — STC or ICE?
By beta (market sensitivity over 5 years), Intercontinental Exchange, Inc.
(ICE) is the lower-risk stock at 0. 33β versus Stewart Information Services Corporation's 0. 78β — meaning STC is approximately 139% more volatile than ICE relative to the S&P 500. On balance sheet safety, Stewart Information Services Corporation (STC) carries a lower debt/equity ratio of 54% versus 70% for Intercontinental Exchange, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — STC or ICE?
By revenue growth (latest reported year), Stewart Information Services Corporation (STC) is pulling ahead at 17.
3% versus 7. 5% for Intercontinental Exchange, Inc. (ICE). On earnings-per-share growth, the picture is similar: Stewart Information Services Corporation grew EPS 54. 8% year-over-year, compared to 20. 7% for Intercontinental Exchange, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — STC or ICE?
Intercontinental Exchange, Inc.
(ICE) is the more profitable company, earning 26. 1% net margin versus 4. 0% for Stewart Information Services Corporation — meaning it keeps 26. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ICE leads at 38. 7% versus 5. 7% for STC. At the gross margin level — before operating expenses — STC leads at 87. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is STC or ICE more undervalued right now?
On forward earnings alone, Stewart Information Services Corporation (STC) trades at 11.
4x forward P/E versus 19. 1x for Intercontinental Exchange, Inc. — 7. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ICE: 27. 6% to $195. 71.
08Which pays a better dividend — STC or ICE?
All stocks in this comparison pay dividends.
Stewart Information Services Corporation (STC) offers the highest yield at 2. 9%, versus 1. 3% for Intercontinental Exchange, Inc. (ICE).
09Is STC or ICE better for a retirement portfolio?
For long-horizon retirement investors, Intercontinental Exchange, Inc.
(ICE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 33), 1. 3% yield, +222. 9% 10Y return). Both have compounded well over 10 years (ICE: +222. 9%, STC: +133. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between STC and ICE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: STC is a small-cap high-growth stock; ICE is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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