STC
Stewart Information Services Corporation
Insurance - Property & Casualty
Market Cap$2.09B
5Y Perf.+122.6%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
STC vs RDN
Revenue, margins, valuation, and 5-year total return — side by side.
RDN
Radian Group Inc.
Insurance - Specialty
Market Cap$4.82B
5Y Perf.+124.1%
STC vs RDN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | STC | RDN |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Specialty |
| Market Cap | $2.09B | $4.82B |
| Revenue (TTM) | $2.92B | $1.26B |
| Net Income (TTM) | $116M | $576M |
| Gross Margin | 87.7% | 92.1% |
| Operating Margin | 5.7% | 59.5% |
| Forward P/E | 11.3x | 7.2x |
| Total Debt | $891M | $2.34B |
| Cash & Equiv. | $322M | $39M |
STC vs RDN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
STC
RDN
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Stewart Information… (STC) | 100 | 222.6 | +122.6% |
| Radian Group Inc. (RDN) | 100 | 224.1 | +124.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: STC vs RDN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RDN leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Stewart Information Services Corporation is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
STC
Stewart Information Services Corporation
The Insurance Pick
STC is the clearest fit if your priority is 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 RDN's 4.0%
Best for: income & stability and growth exposure
RDN
Radian Group Inc.
The Insurance Pick
RDN carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 230.5% 10Y total return vs STC's 135.9%
- Lower volatility, beta 0.37, Low D/E 50.7%, current ratio 42.96x
- Beta 0.37, yield 2.8%, current ratio 42.96x
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | STC | 17.3% revenue growth vs RDN's 4.0% |
| Value | RDN | Lower P/E (7.2x vs 11.3x) |
| Quality / Margins | RDN | Combined ratio 0.4 vs STC's 0.9 (lower = better underwriting) |
| Stability / Safety | RDN | Beta 0.37 vs STC's 0.78, lower leverage |
| Dividends | STC | 2.9% yield, 15-year raise streak, vs RDN's 2.8% |
| Momentum (1Y) | RDN | +8.0% vs STC's +7.6% |
| Efficiency (ROA) | RDN | 7.0% ROA vs STC's 4.0%, ROIC 9.0% vs 6.2% |
STC vs RDN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
STC vs RDN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRDNLAGGINGSTC
STCStewart Information S…
1leads
RDNRadian Group Inc.
4leads
6 Total Categories
CATEGORYLEADERvs STCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
RDN4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RDN6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RDN4/6
Risk & VolatilityBeta, volatility, and downside exposure
RDN2/2
Analyst OutlookRatings, price targets, and dividends
STC2/2
Income & Cash Flow (Last 12 Months)
Evenly matched — STC and RDN each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
STC is the larger business by revenue, generating $2.9B annually — 2.3x RDN's $1.3B. RDN is the more profitable business, keeping 45.6% of every revenue dollar as net income compared to STC's 4.0%. On growth, STC holds the edge at +18.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| RevenueTrailing 12 months | $2.9B | $1.3B |
| EBITDAEarnings before interest/tax | $227M | $821M |
| Net IncomeAfter-tax profit | $116M | $576M |
| Free Cash FlowCash after capex | $132M | -$560M |
| Gross MarginGross profit ÷ Revenue | +87.7% | +92.1% |
| Operating MarginEBIT ÷ Revenue | +5.7% | +59.5% |
| Net MarginNet income ÷ Revenue | +4.0% | +45.6% |
| FCF MarginFCF ÷ Revenue | +4.5% | -44.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +18.7% | -2.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +56.3% | +4.0% |
Evenly matched — STC and RDN each lead in 3 of 6 comparable metrics.
Valuation Metrics
RDN leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 9.1x trailing earnings, RDN trades at a 47% valuation discount to STC's 17.0x P/E. On an enterprise value basis, RDN's 8.4x EV/EBITDA is more attractive than STC's 11.7x.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| Market CapShares × price | $2.1B | $4.8B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $7.1B |
| Trailing P/EPrice ÷ TTM EPS | 16.98x | 9.08x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.30x | 7.22x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.19x |
| EV / EBITDAEnterprise value multiple | 11.75x | 8.38x |
| Price / SalesMarket cap ÷ Revenue | 0.72x | 3.73x |
| Price / BookPrice ÷ Book value/share | 1.21x | 1.19x |
| Price / FCFMarket cap ÷ FCF | 15.82x | — |
RDN leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
RDN leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
RDN delivers a 12.4% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $8 for STC. RDN carries lower financial leverage with a 0.51x debt-to-equity ratio, signaling a more conservative balance sheet compared to STC's 0.54x. On the Piotroski fundamental quality scale (0–9), STC scores 4/9 vs RDN's 3/9, reflecting mixed financial health.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +7.7% | +12.4% |
| ROA (TTM)Return on assets | +4.0% | +7.0% |
| ROICReturn on invested capital | +6.2% | +9.0% |
| ROCEReturn on capital employed | +5.5% | +10.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 3 |
| Debt / EquityFinancial leverage | 0.54x | 0.51x |
| Net DebtTotal debt minus cash | $569M | $2.3B |
| Cash & Equiv.Liquid assets | $322M | $39M |
| Total DebtShort + long-term debt | $891M | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 8.82x | 9.53x |
RDN leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RDN leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RDN five years ago would be worth $16,980 today (with dividends reinvested), compared to $12,874 for STC. Over the past 12 months, RDN leads with a +8.0% total return vs STC's +7.6%. The 3-year compound annual growth rate (CAGR) favors STC at 21.0% vs RDN's 15.8% — a key indicator of consistent wealth creation.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -1.2% | -0.2% |
| 1-Year ReturnPast 12 months | +7.6% | +8.0% |
| 3-Year ReturnCumulative with dividends | +77.3% | +55.3% |
| 5-Year ReturnCumulative with dividends | +28.7% | +69.8% |
| 10-Year ReturnCumulative with dividends | +135.9% | +230.5% |
| CAGR (3Y)Annualised 3-year return | +21.0% | +15.8% |
RDN leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
RDN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RDN is the less volatile stock with a 0.37 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. RDN currently trades 91.6% from its 52-week high vs STC's 87.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 0.37x |
| 52-Week HighHighest price in past year | $78.61 | $38.84 |
| 52-Week LowLowest price in past year | $56.39 | $31.50 |
| % of 52W HighCurrent price vs 52-week peak | +87.3% | +91.6% |
| RSI (14)Momentum oscillator 0–100 | 54.6 | 54.6 |
| Avg Volume (50D)Average daily shares traded | 203K | 1.2M |
RDN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
STC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates STC as "Buy" and RDN as "Buy". Consensus price targets imply 17.3% upside for STC (target: $81) vs 12.4% for RDN (target: $40). For income investors, STC offers the higher dividend yield at 2.94% vs RDN's 2.77%.
| Metric | STCStewart Informati… | RDNRadian Group Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $80.50 | $40.00 |
| # AnalystsCovering analysts | 8 | 22 |
| Dividend YieldAnnual dividend ÷ price | +2.9% | +2.8% |
| Dividend StreakConsecutive years of raises | 15 | 10 |
| Dividend / ShareAnnual DPS | $2.01 | $0.99 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +4.7% |
STC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RDN leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). STC leads in 1 (Analyst Outlook). 1 tied.
Best OverallRadian Group Inc. (RDN)Leads 4 of 6 categories
Loading custom metrics...
STC vs RDN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is STC or RDN 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 4. 0% for Radian Group Inc. (RDN). Radian Group Inc. (RDN) offers the better valuation at 9. 1x trailing P/E (7. 2x 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 RDN?
On trailing P/E, Radian Group Inc.
(RDN) is the cheapest at 9. 1x versus Stewart Information Services Corporation at 17. 0x. On forward P/E, Radian Group Inc. is actually cheaper at 7. 2x.
03Which is the better long-term investment — STC or RDN?
Over the past 5 years, Radian Group Inc.
(RDN) delivered a total return of +69. 8%, compared to +28. 7% for Stewart Information Services Corporation (STC). Over 10 years, the gap is even starker: RDN returned +230. 5% versus STC's +135. 9%. 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 RDN?
By beta (market sensitivity over 5 years), Radian Group Inc.
(RDN) is the lower-risk stock at 0. 37β versus Stewart Information Services Corporation's 0. 78β — meaning STC is approximately 109% more volatile than RDN relative to the S&P 500. On balance sheet safety, Radian Group Inc. (RDN) carries a lower debt/equity ratio of 51% versus 54% for Stewart Information Services Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — STC or RDN?
By revenue growth (latest reported year), Stewart Information Services Corporation (STC) is pulling ahead at 17.
3% versus 4. 0% for Radian Group Inc. (RDN). On earnings-per-share growth, the picture is similar: Stewart Information Services Corporation grew EPS 54. 8% year-over-year, compared to 4. 0% for Radian Group Inc.. Over a 3-year CAGR, RDN leads at -1. 0% annualised revenue growth. 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 RDN?
Radian Group Inc.
(RDN) is the more profitable company, earning 46. 8% net margin versus 4. 0% for Stewart Information Services Corporation — meaning it keeps 46. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RDN leads at 59. 8% versus 5. 7% for STC. At the gross margin level — before operating expenses — RDN leads at 95. 1%, 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 RDN more undervalued right now?
On forward earnings alone, Radian Group Inc.
(RDN) trades at 7. 2x forward P/E versus 11. 3x for Stewart Information Services Corporation — 4. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for STC: 17. 3% to $80. 50.
08Which pays a better dividend — STC or RDN?
All stocks in this comparison pay dividends.
Stewart Information Services Corporation (STC) offers the highest yield at 2. 9%, versus 2. 8% for Radian Group Inc. (RDN).
09Is STC or RDN better for a retirement portfolio?
For long-horizon retirement investors, Radian Group Inc.
(RDN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 37), 2. 8% yield, +230. 5% 10Y return). Both have compounded well over 10 years (RDN: +230. 5%, STC: +135. 9%), 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 RDN?
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; RDN is a small-cap deep-value 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(STC: 18.7% · RDN: -2.8%)Net Margin>
%
(STC: 4.0% · RDN: 45.6%)P/E Ratio<
x
(STC: 17.0x · RDN: 9.1x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.