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STC logoStewart Information Services Corporation(STC)Earnings, Financials & Key Ratios

STC•NYSE•Insurance & Managed Care
$68.99
$2.1B mkt cap·17.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryTitle insurance and settlement services
AboutStewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. The company operates in two segments, Title, and Ancillary Services and Corporate. The Title segment is involved in searching, examining, closing, and insuring the condition of the title to real property. This segment also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders, as well as mortgage lenders, servicers, brokers, and investors. The company operates in the United States, Canada, the United Kingdom, and Australia. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.Show more
  • Revenue$2.92B+17.3%
  • Combined Ratio94.33%-1.1%
  • Net Income$116M+57.6%
  • Return on Equity7.55%+43.6%
  • Medical Cost Ratio12.28%+280.2%
  • Operating Margin5.67%+23.4%
  • Net Margin3.96%+34.4%
  • ROA3.86%+43.1%
  • Equity / Assets50.74%-1.8%
  • Book Value per Share56.83+13.3%
  • Tangible BV/Share1.84-66.4%
  • Debt/Equity0.54+34.9%
Technical→

STC Key Insights

Stewart Information Services Corporation (STC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 94.3% combined ratio
  • ✓15 consecutive years of dividend growth
  • ✓Low loss ratio of 12.3%
  • ✓Healthy dividend yield of 2.9%
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

STC Price & Volume

Stewart Information Services Corporation (STC) stock price & volume — 10-year historical chart

Loading chart...

STC Growth Metrics

Stewart Information Services Corporation (STC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years3.69%
5 Years5.01%
3 Years-1.63%
TTM17.32%

Profit CAGR

10 Years-
5 Years-5.69%
3 Years-10.71%
TTM57.63%

EPS CAGR

10 Years-
5 Years-8.27%
3 Years-12.06%
TTM55.38%

Return on Capital

10 Years8.96%
5 Years7.69%
3 Years3.99%
Last Year5.53%

STC Recent Earnings

Stewart Information Services Corporation (STC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.78
Est $0.52
+50.0%
Revenue
$778M
Est $730M
+6.6%
Q1 2026
Feb 4, 2026
EPS
$1.65
Est $1.37
+20.4%
Revenue
$794M
Est $771M
+3.1%
Q4 2025
Oct 22, 2025
EPS
$1.64
Est $1.34
+22.4%
Revenue
$797M
Est $774M
+3.0%
Q3 2025
Jul 23, 2025
EPS
$1.34
Est $1.37
-2.2%
Revenue
$722M
Est $723M
-0.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.78vs $0.52+50.0%
$778Mvs $730M+6.6%
Q1 2026Feb 4, 2026
$1.65vs $1.37+20.4%
$794Mvs $771M+3.1%
Q4 2025Oct 22, 2025
$1.64vs $1.34+22.4%
$797Mvs $774M+3.0%
Q3 2025Jul 23, 2025
$1.34vs $1.37-2.2%
$722Mvs $723M-0.0%
Based on last 12 quarters of dataView full earnings history →

STC Peer Comparison

Stewart Information Services Corporation (STC) competitors in Title insurance and settlement services — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FAF logoFAFFirst American Financial CorporationDirect Competitor7.16B69.9611.6621.64%11.19%12.54%0.35
FNF logoFNFFidelity National Financial, Inc.Direct Competitor13.8B51.2823.208.61%4.22%6.7%0.53
ITIC logoITICInvestors Title CompanyDirect Competitor444.34M235.3512.675.6%12.9%13.19%0.06
RDN logoRDNRadian Group Inc.Product Competitor4.87B35.748.63-3.36%46.73%12.59%0.24
ESNT logoESNTEssent Group Ltd.Product Competitor5.99B61.418.9712.03%53.73%12.25%0.09
MTG logoMTGMGIC Investment CorporationProduct Competitor5.58B26.408.410.49%59.63%14%0.13
ICE logoICEIntercontinental Exchange, Inc.Supply Chain86.89B153.4026.597.46%11.57%0.70
CSGP logoCSGPCoStar Group, Inc.Supply Chain14.44B34.072052.4118.67%0.74%0.3%0.14

Compare STC vs Peers

Stewart Information Services Corporation (STC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FAF

Most directly comparable listed peer for STC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare STC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FAF, FNF, ITIC, RDN

STC Income Statement

Stewart Information Services Corporation (STC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue1.96B1.91B1.94B2.29B3.31B3.07B2.26B2.49B2.92B
Revenue Growth %-2.54%-2.46%1.7%17.96%44.46%-7.15%-26.45%10.33%17.32%
Medical Costs & Claims96.53M71.51M84.42M115.22M126.24M102.73M80.28M80.41M358.7M
Medical Cost Ratio %4.94%3.75%4.35%5.04%3.82%3.35%3.56%3.23%12.28%
Gross Profit
1.86B▲ 0%
1.84B▼ 1.2%
1.86B▲ 1.1%
2.17B▲ 17.1%
3.18B▲ 46.3%
2.97B▼ 6.7%
2.18B▼ 26.6%
2.41B▲ 10.7%
2.56B▲ 6.3%
Gross Margin %95.06%96.25%95.65%94.96%96.18%96.65%96.44%96.77%87.72%
Gross Profit Growth %-2.94%-1.24%1.06%17.12%46.31%-6.7%-26.61%10.7%6.35%
Operating Expenses1.78B1.76B1.74B1.95B2.75B2.73B2.12B2.3B2.4B
OpEx / Revenue %91.23%92.45%89.62%85.42%83.05%89.07%93.75%92.18%82.06%
Depreciation & Amortization25.88M24.93M22.53M19.22M36.39M57.18M62.45M61.61M61.07M
Combined Ratio %96.16%96.2%93.97%90.45%86.87%92.42%97.3%95.41%94.33%
Operating Income
75.07M▲ 0%
72.53M▼ 3.4%
116.97M▲ 61.3%
218.5M▲ 86.8%
433.97M▲ 98.6%
232.65M▼ 46.4%
60.86M▼ 73.8%
114.31M▲ 87.8%
165.55M▲ 44.8%
Operating Margin %3.84%3.8%6.03%9.55%13.13%7.58%2.7%4.59%5.67%
Operating Income Growth %-14.72%-3.38%61.27%86.81%98.61%-46.39%-73.84%87.82%44.82%
EBITDA100.94M97.46M139.49M237.72M470.36M289.83M123.31M175.92M226.62M
EBITDA Margin %5.16%5.11%7.19%10.39%14.23%9.44%5.46%7.06%7.76%
Interest Expense3.46M3.88M4.34M2.62M5.03M18.4M19.74M19.91M20.44M
Non-Operating Income-3.46M-3.88M-4.34M-2.62M-5.03M-18.4M-19.74M-19.91M-14.81M
Pretax Income
75.07M▲ 0%
72.53M▼ 3.4%
116.97M▲ 61.3%
218.5M▲ 86.8%
433.97M▲ 98.6%
232.65M▼ 46.4%
60.86M▼ 73.8%
114.31M▲ 87.8%
165.55M▲ 44.8%
Pretax Margin %3.84%3.8%6.03%9.55%13.13%7.58%2.7%4.59%5.67%
Income Tax14.92M13.51M26.7M48.83M93.99M50.86M15.26M26.16M35.4M
Effective Tax Rate %19.88%18.62%22.82%22.35%21.66%21.86%25.08%22.88%21.38%
Net Income
48.66M▲ 0%
47.52M▼ 2.3%
78.61M▲ 65.4%
154.91M▲ 97.0%
323.22M▲ 108.7%
162.31M▼ 49.8%
30.44M▼ 81.2%
73.31M▲ 140.8%
115.56M▲ 57.6%
Net Margin %2.49%2.49%4.05%6.77%9.78%5.29%1.35%2.94%3.96%
Net Income Growth %-12.29%-2.33%65.43%97.04%108.65%-49.78%-81.25%140.84%57.63%
EPS (Diluted)
2.06▲ 0%
2.01▼ 2.4%
3.31▲ 64.7%
6.22▲ 87.9%
11.90▲ 91.3%
5.94▼ 50.1%
1.11▼ 81.3%
2.61▲ 135.1%
4.04▲ 54.8%
EPS Growth %11.35%-2.43%64.68%87.92%91.32%-50.08%-81.31%135.14%54.79%
EPS (Basic)2.082.023.336.2512.055.981.112.654.08
Diluted Shares Outstanding23.6M23.68M23.75M24.91M27.17M27.35M27.52M28.13M29.04M

STC Balance Sheet

Stewart Information Services Corporation (STC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets1.41B1.37B1.59B1.98B2.81B2.74B2.7B2.73B3.25B
Asset Growth %4.78%-2.34%16.01%24.22%42.19%-2.68%-1.28%1.01%19.14%
Total Investment Assets1.47B681.92M191.35M215.24M701.62M738.98M39.02M714.88M47.9B
Long-Term Investments733.82M658.97M191.35M215.24M701.62M738.98M0714.88M0
Short-Term Investments733.82M22.95M23.53M20.68M17.65M24.32M39.02M41.2M47.9B
Total Current Assets860.36M794.09M0000223.37M0360.06M
Cash & Equivalents150.08M192.07M330.61M432.68M485.92M248.37M233.37M216.3M321.77M
Receivables78.52M71.46M72M87.81M119.34M117.72M124.9M140.76M38.29M
Other Current Assets607.31M507.62M-426.14M-541.17M-622.91M-390.41M-173.93M-398.26M-47.9M
Goodwill & Intangibles241.16M258.62M253.49M468.86M1.15B1.27B1.27B1.26B1.6B
Goodwill231.43M248.89M248.89M431.48M924.84M1.07B1.07B1.08B1.27B
Intangible Assets9.73M9.73M4.6M37.38M229.8M199.08M193.2M173.07M325.13M
PP&E (Net)141.26M135.53M222.12M231.01M283.89M282.73M271.57M264.69M191.36M
Other Assets-89.06M-20.61M-666.95M-915.11M-2.14B-2.29B938.82M-2.24B1.1B
Total Liabilities727.08M693.1M839.03M966.17M1.52B1.37B1.32B1.32B1.6B
Total Debt109.31M108.04M224.47M220.86M632.91M595.01M580.94M564.68M890.91M
Net Debt-40.77M-84.03M-106.13M-211.82M146.99M346.64M347.58M348.38M569.14M
Long-Term Debt10.44M9.16M11.76M2.9M482.49M447.01M445.29M445.84M768.76M
Short-Term Debt98.88M98.88M98.88M98.88M00000
Total Current Liabilities624.36M591.37M0000000
Accounts Payable000000000
Deferred Revenue-117.74M-109.28M0000000
Other Current Liabilities271.77M-208.16M-98.88M-98.88M00000
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Liabilities209.22M669.72M-154.32M-145.84M-681.69M-621.63M718.32M-592.94M658.17M
Total Equity
678.81M▲ 0%
679.83M▲ 0.1%
753.76M▲ 10.9%
1.01B▲ 34.3%
1.29B▲ 27.9%
1.37B▲ 5.8%
1.38B▲ 0.6%
1.41B▲ 2.4%
1.65B▲ 17.0%
Equity Growth %4.62%0.15%10.88%34.31%27.89%5.83%0.6%2.36%16.96%
Shareholders Equity672.21M673.51M747.31M1.01B1.28B1.36B1.37B1.4B1.64B
Minority Interest6.6M6.31M6.45M7.29M12.73M8.11M7.14M8.95M9.31M
Retained Earnings491.7M514.25M564.39M688.82M974.8M1.09B1.07B1.09B1.15B
Common Stock184.03M186.7M24.06M27.08M27.25M27.48M27.72M28.12M30.58M
Accumulated OCI-847K-24.77M-2.7M17.02M253K-51.34M-35.22M-43.4M-21.91M
Return on Equity (ROE)7.33%7%10.97%17.54%28.02%12.18%2.21%5.26%7.55%
Return on Assets (ROA)3.54%3.42%5.3%8.67%13.49%5.85%1.12%2.7%3.86%
Equity / Assets48.28%49.52%47.32%51.17%46.02%50.05%51%51.69%50.74%
Debt / Equity0.16x0.16x0.30x0.22x0.49x0.43x0.42x0.40x0.54x
Book Value per Share28.7728.7031.7340.6447.6650.1150.0950.1656.83
Tangible BV per Share18.5517.7821.0621.825.163.594.115.471.84

STC Cash Flow Statement

Stewart Information Services Corporation (STC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations108.07M84.18M166.36M275.81M390.29M191.86M83.04M135.61M205.69M
Operating CF Growth %-12.11%-22.11%97.63%65.79%41.51%-50.84%-56.72%63.3%51.68%
Operating CF / Revenue %5.53%4.41%8.58%12.05%11.81%6.25%3.68%5.45%7.04%
Net Income60.15M59.02M90.27M169.67M339.98M181.79M30.44M73.31M115.53M
Depreciation & Amortization25.88M24.93M22.53M19.22M36.39M57.18M62.45M61.61M0
Stock-Based Compensation5.3M4.81M2.1M5.75M11.97M12.28M10.92M13.56M0
Deferred Taxes4.93M256M11.86M00293K000
Other Non-Cash Items12.97M-258.59M-4.48M40.15M36.3M14.87M-12.15M3.02M93.08M
Working Capital Changes-1.16M-2M44.09M41.01M-34.35M-74.55M-8.61M-15.89M-2.93M
Cash from Investing-103.9M9.38M7.04M-231.37M-645.28M-300.67M-29.97M-87.26M-368.58M
Capital Expenditures-16.4M-10.68M-17.07M-14.99M-39.8M-47.95M-37.79M-40.47M0
Acquisitions-17.36M-18.74M1.35M-199.54M-599.98M-142.86M-25.1M-14.38M0
Purchase of Investments-181.96M-43.06M-78.13M-118.3M-143.93M-214.73M-93.31M-157.83M0
Sale/Maturity of Investments110.85M79.47M99.32M99.86M146.18M103.78M132.21M130.59M0
Other Investing960K2.38M1.57M1.6M-7.75M1.09M-5.98M-5.17M-368.58M
Cash from Financing-43.59M-47.76M-37.76M54.3M310.37M-123.22M-69.1M-60.96M265.21M
Dividends Paid-28.14M-28.26M-28.34M-30.23M-36.64M-44.67M-50.52M-53.92M-58.48M
Share Repurchases-727K-1.18M-532K-1.05M-2.25M-3.26M-1.78M-3.84M-3.89M
Stock Issued000108.96M0000148.31M
Debt Issuance (Net)26K-1000K1000K-1000K1000K-1000K-1000K9K1000K
Other Financing-14.76M-12.73M-11.48M-14.26M-38.27M-38.3M-14.55M-3.21M-20.68M
Net Change in Cash
-35.69M▲ 0%
41.99M▲ 217.6%
138.54M▲ 230.0%
102.07M▼ 26.3%
53.24M▼ 47.8%
-237.55M▼ 546.2%
-15M▲ 93.7%
-17.07M▼ 13.8%
105.48M▲ 718.0%
Exchange Rate Effect3.73M-3.81M2.9M3.34M-2.15M-5.53M1.02M-4.46M3.16M
Cash at Beginning185.77M150.08M192.07M330.61M432.68M485.92M248.37M233.37M216.3M
Cash at End150.08M192.07M330.61M432.68M485.92M248.37M233.37M216.3M321.77M
Free Cash Flow
91.67M▲ 0%
73.5M▼ 19.8%
149.28M▲ 103.1%
260.81M▲ 74.7%
350.49M▲ 34.4%
143.91M▼ 58.9%
45.25M▼ 68.6%
95.14M▲ 110.3%
132.28M▲ 39.0%
FCF Growth %-12.53%-19.82%103.1%74.71%34.38%-58.94%-68.56%110.25%39.03%
FCF Margin %4.69%3.85%7.7%11.4%10.6%4.69%2%3.82%4.53%
FCF per Share3.883.16.2810.4712.95.261.643.384.56

STC Key Ratios

Stewart Information Services Corporation (STC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio95.61%96.16%96.2%93.97%90.45%86.87%92.42%97.3%95.41%94.33%
Medical Cost Ratio4.54%4.94%3.75%4.35%5.04%3.82%3.35%3.56%3.23%12.28%
Return on Equity (ROE)8.63%7.33%7%10.97%17.54%28.02%12.18%2.21%5.26%7.55%
Return on Assets (ROA)4.17%3.54%3.42%5.3%8.67%13.49%5.85%1.12%2.7%3.86%
Equity / Assets48.36%48.28%49.52%47.32%51.17%46.02%50.05%51%51.69%50.74%
Book Value / Share27.6428.7728.731.7340.6447.6650.1150.0950.1656.83
Debt / Equity0.16x0.16x0.16x0.30x0.22x0.49x0.43x0.42x0.40x0.54x
Revenue Growth-1.34%-2.54%-2.46%1.7%17.96%44.46%-7.15%-26.45%10.33%17.32%

STC SEC Filings & Documents

Stewart Information Services Corporation (STC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Mar 2, 2026·SEC

Material company update

Feb 4, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 7, 2025·SEC

STC Frequently Asked Questions

Stewart Information Services Corporation (STC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Stewart Information Services Corporation (STC) grew revenue by 17.3% over the past year. This is strong growth.

Yes, Stewart Information Services Corporation (STC) is profitable, generating $115.6M in net income for fiscal year 2025 (4.0% net margin).

Dividend & Returns

Yes, Stewart Information Services Corporation (STC) pays a dividend with a yield of 2.92%. This makes it attractive for income-focused investors.

Stewart Information Services Corporation (STC) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.

Industry Metrics

Stewart Information Services Corporation (STC) has a combined ratio of 94.3%. A ratio below 100% indicates underwriting profitability.

Explore More STC

Stewart Information Services Corporation (STC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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