8-K Announcements
6Apr 22, 2026·SEC
Mar 2, 2026·SEC
Feb 4, 2026·SEC
Stewart Information Services Corporation (STC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Stewart Information Services Corporation (STC) stock price & volume — 10-year historical chart
Stewart Information Services Corporation (STC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Stewart Information Services Corporation (STC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.78vs $0.52+50.0% | $778Mvs $730M+6.6% |
| Q1 2026 | Feb 4, 2026 | $1.65vs $1.37+20.4% | $794Mvs $771M+3.1% |
| Q4 2025 | Oct 22, 2025 | $1.64vs $1.34+22.4% | $797Mvs $774M+3.0% |
| Q3 2025 | Jul 23, 2025 | $1.34vs $1.37-2.2% | $722Mvs $723M-0.0% |
Stewart Information Services Corporation (STC) competitors in Title insurance and settlement services — business model, growth, and fundamentals comparison
Stewart Information Services Corporation (STC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Stewart Information Services Corporation (STC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.96B | 1.91B | 1.94B | 2.29B | 3.31B | 3.07B | 2.26B | 2.49B | 2.92B |
| Revenue Growth % | -2.54% | -2.46% | 1.7% | 17.96% | 44.46% | -7.15% | -26.45% | 10.33% | 17.32% |
| Medical Costs & Claims | 96.53M | 71.51M | 84.42M | 115.22M | 126.24M | 102.73M | 80.28M | 80.41M | 358.7M |
| 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 Expenses | 1.78B | 1.76B | 1.74B | 1.95B | 2.75B | 2.73B | 2.12B | 2.3B | 2.4B |
| OpEx / Revenue % | 91.23% | 92.45% | 89.62% | 85.42% | 83.05% | 89.07% | 93.75% | 92.18% | 82.06% |
| Depreciation & Amortization | 25.88M | 24.93M | 22.53M | 19.22M | 36.39M | 57.18M | 62.45M | 61.61M | 61.07M |
| 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% |
| EBITDA | 100.94M | 97.46M | 139.49M | 237.72M | 470.36M | 289.83M | 123.31M | 175.92M | 226.62M |
| EBITDA Margin % | 5.16% | 5.11% | 7.19% | 10.39% | 14.23% | 9.44% | 5.46% | 7.06% | 7.76% |
| Interest Expense | 3.46M | 3.88M | 4.34M | 2.62M | 5.03M | 18.4M | 19.74M | 19.91M | 20.44M |
| 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 Tax | 14.92M | 13.51M | 26.7M | 48.83M | 93.99M | 50.86M | 15.26M | 26.16M | 35.4M |
| 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) | 2.08 | 2.02 | 3.33 | 6.25 | 12.05 | 5.98 | 1.11 | 2.65 | 4.08 |
| Diluted Shares Outstanding | 23.6M | 23.68M | 23.75M | 24.91M | 27.17M | 27.35M | 27.52M | 28.13M | 29.04M |
Stewart Information Services Corporation (STC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 1.41B | 1.37B | 1.59B | 1.98B | 2.81B | 2.74B | 2.7B | 2.73B | 3.25B |
| Asset Growth % | 4.78% | -2.34% | 16.01% | 24.22% | 42.19% | -2.68% | -1.28% | 1.01% | 19.14% |
| Total Investment Assets | 1.47B | 681.92M | 191.35M | 215.24M | 701.62M | 738.98M | 39.02M | 714.88M | 47.9B |
| Long-Term Investments | 733.82M | 658.97M | 191.35M | 215.24M | 701.62M | 738.98M | 0 | 714.88M | 0 |
| Short-Term Investments | 733.82M | 22.95M | 23.53M | 20.68M | 17.65M | 24.32M | 39.02M | 41.2M | 47.9B |
| Total Current Assets | 860.36M | 794.09M | 0 | 0 | 0 | 0 | 223.37M | 0 | 360.06M |
| Cash & Equivalents | 150.08M | 192.07M | 330.61M | 432.68M | 485.92M | 248.37M | 233.37M | 216.3M | 321.77M |
| Receivables | 78.52M | 71.46M | 72M | 87.81M | 119.34M | 117.72M | 124.9M | 140.76M | 38.29M |
| Other Current Assets | 607.31M | 507.62M | -426.14M | -541.17M | -622.91M | -390.41M | -173.93M | -398.26M | -47.9M |
| Goodwill & Intangibles | 241.16M | 258.62M | 253.49M | 468.86M | 1.15B | 1.27B | 1.27B | 1.26B | 1.6B |
| Goodwill | 231.43M | 248.89M | 248.89M | 431.48M | 924.84M | 1.07B | 1.07B | 1.08B | 1.27B |
| Intangible Assets | 9.73M | 9.73M | 4.6M | 37.38M | 229.8M | 199.08M | 193.2M | 173.07M | 325.13M |
| PP&E (Net) | 141.26M | 135.53M | 222.12M | 231.01M | 283.89M | 282.73M | 271.57M | 264.69M | 191.36M |
| Other Assets | -89.06M | -20.61M | -666.95M | -915.11M | -2.14B | -2.29B | 938.82M | -2.24B | 1.1B |
| Total Liabilities | 727.08M | 693.1M | 839.03M | 966.17M | 1.52B | 1.37B | 1.32B | 1.32B | 1.6B |
| Total Debt | 109.31M | 108.04M | 224.47M | 220.86M | 632.91M | 595.01M | 580.94M | 564.68M | 890.91M |
| Net Debt | -40.77M | -84.03M | -106.13M | -211.82M | 146.99M | 346.64M | 347.58M | 348.38M | 569.14M |
| Long-Term Debt | 10.44M | 9.16M | 11.76M | 2.9M | 482.49M | 447.01M | 445.29M | 445.84M | 768.76M |
| Short-Term Debt | 98.88M | 98.88M | 98.88M | 98.88M | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 624.36M | 591.37M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | -117.74M | -109.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 271.77M | -208.16M | -98.88M | -98.88M | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 209.22M | 669.72M | -154.32M | -145.84M | -681.69M | -621.63M | 718.32M | -592.94M | 658.17M |
| 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 Equity | 672.21M | 673.51M | 747.31M | 1.01B | 1.28B | 1.36B | 1.37B | 1.4B | 1.64B |
| Minority Interest | 6.6M | 6.31M | 6.45M | 7.29M | 12.73M | 8.11M | 7.14M | 8.95M | 9.31M |
| Retained Earnings | 491.7M | 514.25M | 564.39M | 688.82M | 974.8M | 1.09B | 1.07B | 1.09B | 1.15B |
| Common Stock | 184.03M | 186.7M | 24.06M | 27.08M | 27.25M | 27.48M | 27.72M | 28.12M | 30.58M |
| Accumulated OCI | -847K | -24.77M | -2.7M | 17.02M | 253K | -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 / Assets | 48.28% | 49.52% | 47.32% | 51.17% | 46.02% | 50.05% | 51% | 51.69% | 50.74% |
| Debt / Equity | 0.16x | 0.16x | 0.30x | 0.22x | 0.49x | 0.43x | 0.42x | 0.40x | 0.54x |
| Book Value per Share | 28.77 | 28.70 | 31.73 | 40.64 | 47.66 | 50.11 | 50.09 | 50.16 | 56.83 |
| Tangible BV per Share | 18.55 | 17.78 | 21.06 | 21.82 | 5.16 | 3.59 | 4.11 | 5.47 | 1.84 |
Stewart Information Services Corporation (STC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 108.07M | 84.18M | 166.36M | 275.81M | 390.29M | 191.86M | 83.04M | 135.61M | 205.69M |
| 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 Income | 60.15M | 59.02M | 90.27M | 169.67M | 339.98M | 181.79M | 30.44M | 73.31M | 115.53M |
| Depreciation & Amortization | 25.88M | 24.93M | 22.53M | 19.22M | 36.39M | 57.18M | 62.45M | 61.61M | 0 |
| Stock-Based Compensation | 5.3M | 4.81M | 2.1M | 5.75M | 11.97M | 12.28M | 10.92M | 13.56M | 0 |
| Deferred Taxes | 4.93M | 256M | 11.86M | 0 | 0 | 293K | 0 | 0 | 0 |
| Other Non-Cash Items | 12.97M | -258.59M | -4.48M | 40.15M | 36.3M | 14.87M | -12.15M | 3.02M | 93.08M |
| Working Capital Changes | -1.16M | -2M | 44.09M | 41.01M | -34.35M | -74.55M | -8.61M | -15.89M | -2.93M |
| Cash from Investing | -103.9M | 9.38M | 7.04M | -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 | -40.47M | 0 |
| Acquisitions | -17.36M | -18.74M | 1.35M | -199.54M | -599.98M | -142.86M | -25.1M | -14.38M | 0 |
| Purchase of Investments | -181.96M | -43.06M | -78.13M | -118.3M | -143.93M | -214.73M | -93.31M | -157.83M | 0 |
| Sale/Maturity of Investments | 110.85M | 79.47M | 99.32M | 99.86M | 146.18M | 103.78M | 132.21M | 130.59M | 0 |
| Other Investing | 960K | 2.38M | 1.57M | 1.6M | -7.75M | 1.09M | -5.98M | -5.17M | -368.58M |
| Cash from Financing | -43.59M | -47.76M | -37.76M | 54.3M | 310.37M | -123.22M | -69.1M | -60.96M | 265.21M |
| 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 Issued | 0 | 0 | 0 | 108.96M | 0 | 0 | 0 | 0 | 148.31M |
| Debt Issuance (Net) | 26K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 9K | 1000K |
| 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 Effect | 3.73M | -3.81M | 2.9M | 3.34M | -2.15M | -5.53M | 1.02M | -4.46M | 3.16M |
| Cash at Beginning | 185.77M | 150.08M | 192.07M | 330.61M | 432.68M | 485.92M | 248.37M | 233.37M | 216.3M |
| Cash at End | 150.08M | 192.07M | 330.61M | 432.68M | 485.92M | 248.37M | 233.37M | 216.3M | 321.77M |
| 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 Share | 3.88 | 3.1 | 6.28 | 10.47 | 12.9 | 5.26 | 1.64 | 3.38 | 4.56 |
Stewart Information Services Corporation (STC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 95.61% | 96.16% | 96.2% | 93.97% | 90.45% | 86.87% | 92.42% | 97.3% | 95.41% | 94.33% |
| Medical Cost Ratio | 4.54% | 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 / Assets | 48.36% | 48.28% | 49.52% | 47.32% | 51.17% | 46.02% | 50.05% | 51% | 51.69% | 50.74% |
| Book Value / Share | 27.64 | 28.77 | 28.7 | 31.73 | 40.64 | 47.66 | 50.11 | 50.09 | 50.16 | 56.83 |
| Debt / Equity | 0.16x | 0.16x | 0.16x | 0.30x | 0.22x | 0.49x | 0.43x | 0.42x | 0.40x | 0.54x |
| Revenue Growth | -1.34% | -2.54% | -2.46% | 1.7% | 17.96% | 44.46% | -7.15% | -26.45% | 10.33% | 17.32% |
Stewart Information Services Corporation (STC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Mar 2, 2026·SEC
Feb 4, 2026·SEC
Stewart Information Services Corporation (STC) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, Stewart Information Services Corporation (STC) pays a dividend with a yield of 2.94%. 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.
Stewart Information Services Corporation (STC) has a combined ratio of 94.3%. A ratio below 100% indicates underwriting profitability.
Stewart Information Services Corporation (STC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates