Stewart Information Services Corporation (STC) 10-Year Financial Performance & Capital Metrics

STC • • Insurance & Managed Care

Financial ServicesProperty & Casualty InsuranceSpecialty & Excess Lines InsuranceProfessional & Management Liability

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 $2.49B +10.3%
Combined Ratio 95.41% -1.9%
Net Income $73M +140.8%
Return on Equity 5.26% +137.3%
Medical Cost Ratio 3.23% -9.2%
Operating Margin 4.59% +70.2%
Net Margin 2.94% +118.3%
ROA 2.7% +141.2%
Equity / Assets 51.69% +1.3%
Book Value per Share 50.16 +0.1%
Tangible BV/Share 5.47 +33.0%
Debt/Equity 0.40 -5.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓14 consecutive years of dividend growth
✓Low loss ratio of 3.2%
✓Healthy dividend yield of 2.9%
✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.9%

5Y5.12%

3Y-9.01%

TTM14%

Profit (Net Income) CAGR

10Y9.44%

5Y-1.39%

3Y-39.01%

TTM102.92%

EPS CAGR

10Y7.73%

5Y-4.64%

3Y-39.69%

TTM99.36%

ROCE

10Y Avg8.54%

5Y Avg9.04%

3Y Avg4.94%

Latest4.21%

Peer Comparison

Professional & Management Liability

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
STCStewart Information Services Corporation	2.01B	66.64	25.53	10.33%	3.29%	6.07%	4.73%	0.40
BOWBowhead Specialty Holdings Inc.	831.05M	25.35	19.65	50.16%	10.12%	12.21%	35.04%
AXSAXIS Capital Holdings Limited	7.73B	100.34	8.12	7.66%	16.11%	15.91%	23.87%	0.24

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	2.03B	2.01B	1.96B	1.91B	1.94B	2.29B	3.31B	3.07B	2.26B	2.49B
Revenue Growth %	0.09%	-0.01%	-0.03%	-0.02%	0.02%	0.18%	0.44%	-0.07%	-0.26%	0.1%
Medical Costs & Claims+	106.27M	91.15M	96.53M	71.51M	84.42M	115.22M	126.24M	102.73M	80.28M	80.41M
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	1.93B	1.92B	1.86B	1.84B	1.86B	2.17B	3.18B	2.97B	2.18B	2.41B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.08%	-0.01%	-0.03%	-0.01%	0.01%	0.17%	0.46%	-0.07%	-0.27%	0.11%
Operating Expenses+	1.92B	1.83B	1.78B	1.76B	1.74B	1.95B	2.75B	2.73B	2.12B	2.3B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	30.3M	30.04M	25.88M	24.93M	22.53M	19.22M	36.39M	57.18M	62.45M	61.61M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	9.69M	88.03M	75.07M	72.53M	116.97M	218.5M	433.97M	232.65M	60.86M	114.31M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.81%	8.08%	-0.15%	-0.03%	0.61%	0.87%	0.99%	-0.46%	-0.74%	0.88%
EBITDA+	39.99M	118.07M	100.94M	97.46M	139.49M	237.72M	470.36M	289.83M	123.31M	175.92M
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	2.1M	3.06M	3.46M	3.88M	4.34M	2.62M	5.03M	18.4M	19.74M	19.91M
Non-Operating Income	-2.1M	-3.06M	-3.46M	-3.88M	-4.34M	-2.62M	-5.03M	-18.4M	-19.74M	-19.91M
Pretax Income+	9.69M	88.03M	75.07M	72.53M	116.97M	218.5M	433.97M	232.65M	60.86M	114.31M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	5.65M	19.61M	14.92M	13.51M	26.7M	48.83M	93.99M	50.86M	15.26M	26.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-6.2M	55.48M	48.66M	47.52M	78.61M	154.91M	323.22M	162.31M	30.44M	73.31M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.21%	9.94%	-0.12%	-0.02%	0.65%	0.97%	1.09%	-0.5%	-0.81%	1.41%
EPS (Diluted)+	-0.26	1.85	2.06	2.01	3.31	6.22	11.90	5.94	1.11	2.61
EPS Growth %	-1.21%	8.12%	0.11%	-0.02%	0.65%	0.88%	0.91%	-0.5%	-0.81%	1.35%
EPS (Basic)	-0.26	1.86	2.08	2.02	3.33	6.25	12.05	5.98	1.11	2.65
Diluted Shares Outstanding	23.54M	23.47M	23.6M	23.68M	23.75M	24.91M	27.17M	27.35M	27.52M	28.13M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	1.32B	1.34B	1.41B	1.37B	1.59B	1.98B	2.81B	2.74B	2.7B	2.73B
Asset Growth %	-0.05%	0.02%	0.05%	-0.02%	0.16%	0.24%	0.42%	-0.03%	-0.01%	0.01%
Total Investment Assets+	1.24B	1.31B	1.47B	681.92M	191.35M	215.24M	701.62M	738.98M	39.02M	714.88M
Long-Term Investments	619.56M	653.74M	733.82M	658.97M	191.35M	215.24M	701.62M	738.98M	0	714.88M
Short-Term Investments	619.56M	653.74M	733.82M	22.95M	23.53M	20.68M	17.65M	24.32M	39.02M	41.2M
Total Current Assets+	808.37M	818.12M	860.36M	794.09M	0	0	0	0	223.37M	0
Cash & Equivalents	179.07M	185.77M	150.08M	192.07M	330.61M	432.68M	485.92M	248.37M	233.37M	216.3M
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	507.92M	538.34M	607.31M	507.62M	-426.14M	-541.17M	-622.91M	-390.41M	-173.93M	-398.26M
Goodwill & Intangibles+	235.8M	227.98M	241.16M	258.62M	253.49M	468.86M	1.15B	1.27B	1.27B	1.26B
Goodwill	217.72M	217.09M	231.43M	248.89M	248.89M	431.48M	924.84M	1.07B	1.07B	1.08B
Intangible Assets	18.07M	10.89M	9.73M	9.73M	4.6M	37.38M	229.8M	199.08M	193.2M	173.07M
PP&E (Net)	147.11M	145.82M	141.26M	135.53M	222.12M	231.01M	283.89M	282.73M	271.57M	264.69M
Other Assets	-494.2M	-28.34M	-89.06M	-20.61M	-666.95M	-915.11M	-2.14B	-2.29B	938.82M	-2.24B
Total Liabilities	684.46M	692.88M	727.08M	693.1M	839.03M	966.17M	1.52B	1.37B	1.32B	1.32B
Total Debt+	102.4M	106.81M	109.31M	108.04M	224.47M	220.86M	632.91M	595.01M	580.94M	564.68M
Net Debt	-76.67M	-78.96M	-40.77M	-84.03M	-106.13M	-211.82M	146.99M	346.64M	347.58M	348.38M
Long-Term Debt	102.4M	93.31M	10.44M	9.16M	11.76M	2.9M	482.49M	447.01M	445.29M	445.84M
Short-Term Debt	102.4M	92.88M	98.88M	98.88M	98.88M	98.88M	0	0	0	0
Total Current Liabilities+	589.91M	593.72M	624.36M	591.37M	0	0	0	0	0	0
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Deferred Revenue	-118.08M	-115.64M	-117.74M	-109.28M	0	0	0	0	0	0
Other Current Liabilities	-220.48M	263.76M	271.77M	-208.16M	-98.88M	-98.88M	0	0	0	0
Deferred Taxes	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Liabilities	580.7M	591.71M	209.22M	669.72M	-154.32M	-145.84M	-681.69M	-621.63M	718.32M	-592.94M
Total Equity+	637.13M	648.85M	678.81M	679.83M	753.76M	1.01B	1.29B	1.37B	1.38B	1.41B
Equity Growth %	-0.09%	0.02%	0.05%	0%	0.11%	0.34%	0.28%	0.06%	0.01%	0.02%
Shareholders Equity	629.28M	641.2M	672.21M	673.51M	747.31M	1.01B	1.28B	1.36B	1.37B	1.4B
Minority Interest	7.85M	7.65M	6.6M	6.31M	6.45M	7.29M	12.73M	8.11M	7.14M	8.95M
Retained Earnings	455.52M	471.79M	491.7M	514.25M	564.39M	688.82M	974.8M	1.09B	1.07B	1.09B
Common Stock	180.38M	180.96M	184.03M	186.7M	24.06M	27.08M	27.25M	27.48M	27.72M	28.12M
Accumulated OCI	-3.96M	-8.88M	-847K	-24.77M	-2.7M	17.02M	253K	-51.34M	-35.22M	-43.4M
Return on Equity (ROE)	-0.01%	0.09%	0.07%	0.07%	0.11%	0.18%	0.28%	0.12%	0.02%	0.05%
Return on Assets (ROA)	-0%	0.04%	0.04%	0.03%	0.05%	0.09%	0.13%	0.06%	0.01%	0.03%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.16x	0.16x	0.16x	0.16x	0.30x	0.22x	0.49x	0.43x	0.42x	0.40x
Book Value per Share	27.06	27.64	28.77	28.70	31.73	40.64	47.66	50.11	50.09	50.16
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	80.51M	122.96M	108.07M	84.18M	166.36M	275.81M	390.29M	191.86M	83.04M	135.61M
Operating CF Growth %	0.26%	0.53%	-0.12%	-0.22%	0.98%	0.66%	0.42%	-0.51%	-0.57%	0.63%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	4.04M	68.42M	60.15M	59.02M	90.27M	169.67M	339.98M	181.79M	30.44M	73.31M
Depreciation & Amortization	30.3M	30.04M	25.88M	24.93M	22.53M	19.22M	36.39M	57.18M	62.45M	61.61M
Stock-Based Compensation	4.45M	2.98M	5.3M	4.81M	2.1M	5.75M	11.97M	12.28M	10.92M	13.56M
Deferred Taxes	-5.8M	7.45M	4.93M	256M	11.86M	0	0	293K	0	0
Other Non-Cash Items	34.9M	2.36M	12.97M	-258.59M	-4.48M	40.15M	36.3M	14.87M	-12.15M	3.02M
Working Capital Changes	12.63M	11.71M	-1.16M	-2M	44.09M	41.01M	-34.35M	-74.55M	-8.61M	-15.89M
Cash from Investing+	-68.79M	-56.77M	-103.9M	9.38M	7.04M	-231.37M	-645.28M	-300.67M	-29.97M	-87.26M
Capital Expenditures	-19.66M	-18.16M	-16.4M	-10.68M	-17.07M	-14.99M	-39.8M	-47.95M	-37.79M	-40.47M
Acquisitions	-3.96M	1.27M	-17.36M	-18.74M	1.35M	-199.54M	-599.98M	-142.86M	-25.1M	-14.38M
Purchase of Investments	-162.36M	-148.98M	-181.96M	-43.06M	-78.13M	-118.3M	-143.93M	-214.73M	-93.31M	-157.83M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	5.71M	873K	960K	2.38M	1.57M	1.6M	-7.75M	1.09M	-5.98M	-5.17M
Cash from Financing+	-25.55M	-59.34M	-43.59M	-47.76M	-37.76M	54.3M	310.37M	-123.22M	-69.1M	-60.96M
Dividends Paid	-18.01M	-27.84M	-28.14M	-28.26M	-28.34M	-30.23M	-36.64M	-44.67M	-50.52M	-53.92M
Share Repurchases	-27.95M	-1.05M	-727K	-1.18M	-532K	-1.05M	-2.25M	-3.26M	-1.78M	-3.84M
Stock Issued	0	0	0	0	0	108.96M	0	0	0	0
Debt Issuance (Net)	1000K	-1000K	26K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	9K
Other Financing	-9.75M	-15.87M	-14.76M	-12.73M	-11.48M	-14.26M	-38.27M	-38.3M	-14.55M	-3.21M
Net Change in Cash+	-21.49M	6.71M	-35.69M	41.99M	138.54M	102.07M	53.24M	-237.55M	-15M	-17.07M
Exchange Rate Effect	-1000K	-141K	1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K
Cash at Beginning	200.56M	179.07M	185.77M	150.08M	192.07M	330.61M	432.68M	485.92M	248.37M	233.37M
Cash at End	179.07M	185.77M	150.08M	192.07M	330.61M	432.68M	485.92M	248.37M	233.37M	216.3M
Free Cash Flow+	60.86M	104.81M	91.67M	73.5M	149.28M	260.81M	350.49M	143.91M	45.25M	95.14M
FCF Growth %	0.37%	0.72%	-0.13%	-0.2%	1.03%	0.75%	0.34%	-0.59%	-0.69%	1.1%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	2.58	4.47	3.88	3.1	6.28	10.47	12.9	5.26	1.64	3.38

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	99.52%	95.61%	96.16%	96.2%	93.97%	90.45%	86.87%	92.42%	97.3%	95.41%
Medical Cost Ratio	5.22%	4.54%	4.94%	3.75%	4.35%	5.04%	3.82%	3.35%	3.56%	3.23%
Return on Equity (ROE)	-0.93%	8.63%	7.33%	7%	10.97%	17.54%	28.02%	12.18%	2.21%	5.26%
Return on Assets (ROA)	-0.46%	4.17%	3.54%	3.42%	5.3%	8.67%	13.49%	5.85%	1.12%	2.7%
Equity / Assets	48.21%	48.36%	48.28%	49.52%	47.32%	51.17%	46.02%	50.05%	51%	51.69%
Book Value / Share	27.06	27.64	28.77	28.7	31.73	40.64	47.66	50.11	50.09	50.16
Debt / Equity	0.16x	0.16x	0.16x	0.16x	0.30x	0.22x	0.49x	0.43x	0.42x	0.40x
Revenue Growth	8.72%	-1.34%	-2.54%	-2.46%	1.7%	17.96%	44.46%	-7.15%	-26.45%	10.33%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Title - Agency Operations	-	-	-	-	-	-	-	-	-	1.04B
Title - Agency Operations Growth	-	-	-	-	-	-	-	-	-	-
Title - Direct Operations	-	-	-	-	-	-	-	-	-	1.02B
Title - Direct Operations Growth	-	-	-	-	-	-	-	-	-	-
Real Estate Solutions And Other	-	-	-	-	-	-	-	-	-	358.56M
Real Estate Solutions And Other Growth	-	-	-	-	-	-	-	-	-	-
Title Insurance Premiums, Agency	-	-	-	1B	970.54M	1.15B	1.58B	1.47B	985.99M	-
Title Insurance Premiums, Agency Growth	-	-	-	-	-3.33%	18.60%	37.50%	-7.35%	-32.75%	-
Title Insurance Premiums, Direct	-	-	-	597.51M	615.65M	716.78M	960.12M	831.39M	635.43M	-
Title Insurance Premiums, Direct Growth	-	-	-	-	3.04%	16.43%	33.95%	-13.41%	-23.57%	-
Real Estate Solutions And Abstract Fees	-	-	-	-	-	-	315.08M	372.5M	330.8M	-
Real Estate Solutions And Abstract Fees Growth	-	-	-	-	-	-	-	18.22%	-11.19%	-
Escrow Fees	-	-	-	124.66M	137.54M	190.93M	248.43M	204.22M	153.67M	-
Escrow Fees Growth	-	-	-	-	10.33%	38.82%	30.11%	-17.80%	-24.75%	-
Product and Service, Other	-	-	-	69.05M	71.68M	78.46M	158.35M	174M	106.34M	-
Product and Service, Other Growth	-	-	-	-	3.81%	9.46%	101.83%	9.88%	-38.88%	-
Appraisal Management, Search, Abstract And Valuation Services	-	-	-	-	-	134.3M	-	-	-	-
Appraisal Management, Search, Abstract And Valuation Services Growth	-	-	-	-	-	-	-	-	-	-
Search, Abstract And Valuation Services	-	-	-	92.71M	82.05M	-	-	-	-	-
Search, Abstract And Valuation Services Growth	-	-	-	-	-11.50%	-	-	-	-	-
Products And Services From Operations	-	-	-	1.89B	-	-	-	-	-	-
Products And Services From Operations Growth	-	-	-	-	-	-	-	-	-	-
Title	1.81B	1.92B	1.9B	-	-	-	-	-	-	-
Title Growth	-	6.49%	-1.19%	-	-	-	-	-	-	-
Ancillary Services And Corporate	-	84.22M	56.26M	-	-	-	-	-	-	-
Ancillary Services And Corporate Growth	-	-	-33.19%	-	-	-	-	-	-	-
Mortgage Services	212.93M	-	-	-	-	-	-	-	-	-
Mortgage Services Growth	-	-	-	-	-	-	-	-	-	-
Corporate	15.68M	-	-	-	-	-	-	-	-	-
Corporate Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	1.93B	1.89B	1.83B	1.79B	1.82B	2.15B	3.11B	2.89B	2.12B	2.34B
UNITED STATES Growth	-	-1.91%	-3.39%	-2.05%	1.60%	18.61%	44.24%	-6.91%	-26.64%	10.35%
Non-US	108.02M	117.5M	130.54M	119.83M	123.48M	133.76M	197.97M	176.13M	134.78M	148.13M
Non-US Growth	-	8.77%	11.10%	-8.20%	3.04%	8.33%	48.01%	-11.04%	-23.48%	9.91%

Frequently Asked Questions

Valuation & Price

Stewart Information Services Corporation (STC) has a price-to-earnings (P/E) ratio of 25.5x. This suggests investors expect higher future growth.

Growth & Financials

Stewart Information Services Corporation (STC) grew revenue by 10.3% over the past year. This is steady growth.

Yes, Stewart Information Services Corporation (STC) is profitable, generating $87.8M in net income for fiscal year 2024 (2.9% net margin).

Dividend & Returns

Yes, Stewart Information Services Corporation (STC) pays a dividend with a yield of 2.88%. This makes it attractive for income-focused investors.

Stewart Information Services Corporation (STC) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.

Industry Metrics

Stewart Information Services Corporation (STC) has a combined ratio of 95.4%. A ratio below 100% indicates underwriting profitability.

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