Stewart Information Services Corporation (STC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↑
11.75
+17% vs avg
5yr avg: 10.07
30Y Low0.2·High20.1
P/FCF
↑
15.82
-7% vs avg
5yr avg: 17.08
30Y Low2.9·High38.7
P/B Ratio
↓
1.21
-4% vs avg
5yr avg: 1.26
30Y Low0.4·High1.7
ROE
↓
7.5%
↑-32% vs avg
5yr avg: 11.0%
30Y Low-39%·High28%
Debt/EBITDA
↑
3.93
↑+29% vs avg
5yr avg: 3.05
30Y Low0.0·High4.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
STC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Stewart Information Services Corporation trades at 17.0x earnings, 23% below its 5-year average of 22.0x, sitting at the 63rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 27%. On a free-cash-flow basis, the stock trades at 15.8x P/FCF, 7% below the 5-year average of 17.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.1B | $2.0B | $1.9B | $1.6B | $1.2B | $2.2B | $1.2B | $969M | $981M | $998M | $1.1B |
| Enterprise Value | $2.7B | $2.6B | $2.2B | $2.0B | $1.5B | $2.3B | $993M | $863M | $897M | $957M | $1.0B |
| P/E Ratio → | 16.98 | 17.39 | 25.86 | 52.93 | 7.19 | 6.70 | 7.77 | 12.32 | 20.60 | 20.53 | 24.91 |
| P/S Ratio | 0.72 | 0.70 | 0.76 | 0.72 | 0.38 | 0.66 | 0.53 | 0.50 | 0.51 | 0.51 | 0.54 |
| P/B Ratio | 1.21 | 1.24 | 1.35 | 1.17 | 0.85 | 1.67 | 1.19 | 1.29 | 1.44 | 1.47 | 1.67 |
| P/FCF | 15.82 | 15.42 | 19.95 | 35.73 | 8.12 | 6.18 | 4.62 | 6.49 | 13.34 | 10.89 | 10.32 |
| P/OCF | 10.17 | 9.92 | 14.00 | 19.47 | 6.09 | 5.55 | 4.37 | 5.82 | 11.65 | 9.24 | 8.80 |
P/E links to full P/E history page with 30-year chart
STC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Stewart Information Services Corporation's enterprise value stands at 11.7x EBITDA, 17% above its 5-year average of 10.1x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.89 | 0.90 | 0.87 | 0.49 | 0.70 | 0.43 | 0.44 | 0.47 | 0.49 | 0.50 |
| EV / EBITDA | 11.75 | 11.51 | 12.77 | 15.93 | 5.23 | 4.92 | 4.18 | 6.18 | 9.20 | 9.48 | 8.49 |
| EV / EBIT | 16.08 | 14.47 | 16.74 | 24.37 | 6.04 | 5.27 | 4.49 | 7.11 | 11.73 | 12.19 | 11.01 |
| EV / FCF | — | 19.73 | 23.62 | 43.41 | 10.53 | 6.60 | 3.81 | 5.78 | 12.20 | 10.44 | 9.57 |
STC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Stewart Information Services Corporation earns an operating margin of 5.7%, below the Financial Services sector average of 21.4%. Operating margins have expanded from 2.7% to 5.7% over the past 3 years, signaling improving operational efficiency. ROE of 7.5% is modest, trailing the sector median of 9.5%. ROIC of 6.2% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.7% | 87.7% | 96.8% | 96.4% | 96.7% | 96.2% | 95.0% | 95.6% | 96.3% | 95.1% | 95.5% |
| Operating Margin | 5.7% | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% | 9.5% | 6.0% | 3.8% | 3.8% | 4.4% |
| Net Profit Margin | 4.0% | 4.0% | 2.9% | 1.3% | 5.3% | 9.8% | 6.8% | 4.1% | 2.5% | 2.5% | 2.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.5% | 7.5% | 5.3% | 2.2% | 12.2% | 28.0% | 17.5% | 11.0% | 7.0% | 7.3% | 8.6% |
| ROA | 3.9% | 3.9% | 2.7% | 1.1% | 5.8% | 13.5% | 8.7% | 5.3% | 3.4% | 3.5% | 4.2% |
| ROIC | 6.2% | 6.2% | 4.9% | 2.7% | 11.0% | 29.0% | 22.6% | 14.1% | 8.8% | 9.3% | 11.7% |
| ROCE | 5.5% | 5.5% | 4.2% | 2.2% | 8.4% | 18.1% | 12.2% | 7.9% | 9.3% | 9.8% | 11.9% |
STC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Stewart Information Services Corporation carries a Debt/EBITDA ratio of 3.9x, which is moderately leveraged (roughly in line with the sector average of 4.1x). Net debt stands at $569M ($891M total debt minus $322M cash). Interest coverage of 8.8x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.54 | 0.54 | 0.40 | 0.42 | 0.43 | 0.49 | 0.22 | 0.30 | 0.16 | 0.16 | 0.16 |
| Debt / EBITDA | 3.93 | 3.93 | 3.21 | 4.71 | 2.05 | 1.35 | 0.93 | 1.61 | 1.11 | 1.08 | 0.90 |
| Net Debt / Equity | — | 0.34 | 0.25 | 0.25 | 0.25 | 0.11 | -0.21 | -0.14 | -0.12 | -0.06 | -0.12 |
| Net Debt / EBITDA | 2.51 | 2.51 | 1.98 | 2.82 | 1.20 | 0.31 | -0.89 | -0.76 | -0.86 | -0.40 | -0.67 |
| Debt / FCF | — | 4.30 | 3.66 | 7.68 | 2.41 | 0.42 | -0.81 | -0.71 | -1.14 | -0.44 | -0.75 |
| Interest Coverage | 8.82 | 8.82 | 6.74 | 4.08 | 13.64 | 87.26 | 84.27 | 27.94 | 19.72 | 22.71 | 29.75 |
STC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | — | — | 1.34 | 1.38 | 1.38 |
| Quick Ratio | — | — | — | — | — | — | — | — | 1.34 | 2.51 | 2.44 |
| Cash Ratio | — | — | — | — | — | — | — | — | 0.36 | 1.42 | 1.41 |
| Asset Turnover | — | 0.90 | 0.91 | 0.84 | 1.12 | 1.18 | 1.16 | 1.22 | 1.39 | 1.39 | 1.50 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
STC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Stewart Information Services Corporation returns 3.1% to shareholders annually — split between a 2.9% dividend yield and 0.2% buyback yield. A payout ratio of 50.6% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.9% | 2.9% | 2.8% | 3.1% | 3.8% | 1.7% | 2.5% | 2.9% | 2.9% | 2.8% | 2.6% |
| Payout Ratio | 50.6% | 50.6% | 73.5% | 166.0% | 27.5% | 11.3% | 19.5% | 36.1% | 59.5% | 57.8% | 50.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.9% | 5.8% | 3.9% | 1.9% | 13.9% | 14.9% | 12.9% | 8.1% | 4.9% | 4.9% | 4.0% |
| FCF Yield | 6.3% | 6.5% | 5.0% | 2.8% | 12.3% | 16.2% | 21.6% | 15.4% | 7.5% | 9.2% | 9.7% |
| Buyback Yield | 0.2% | 0.2% | 0.2% | 0.1% | 0.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| Total Shareholder Yield | 3.1% | 3.1% | 3.0% | 3.2% | 4.1% | 1.8% | 2.6% | 3.0% | 3.0% | 2.9% | 2.7% |
| Shares Outstanding | — | $29M | $28M | $28M | $27M | $27M | $25M | $24M | $24M | $24M | $23M |
Peer Comparison
Compare STC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 STCYou | $2B | 17.0 | 11.7 | 15.8 | 87.7% | 5.7% | 7.5% | 6.2% | 3.9 |
 FAF | $7B | 11.4 | 7.2 | 9.2 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 FNF | $14B | 11.0 | 6.1 | 2.1 | 52.9% | 13.0% | 15.9% | 13.7% | 1.9 |
 ITIC | $448M | 12.8 | 9.1 | 17.7 | 98.3% | 16.3% | 13.5% | 13.4% | 0.3 |
 RDN | $5B | 9.1 | 8.4 | — | 95.1% | 59.8% | 13.4% | 9.0% | 2.8 |
 ESNT | $6B | 8.8 | 7.2 | 6.9 | 93.6% | 67.5% | 13.6% | 11.3% | 0.6 |
 MTG | $6B | 8.4 | 6.2 | 6.5 | 94.9% | 76.5% | 14.3% | 12.7% | 0.7 |
 ICE | $88B | 26.9 | 16.6 | 20.5 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CSGP | $15B | 2102.4 | 83.5 | 360.8 | 75.2% | -2.2% | 0.1% | -0.9% | 6.7 |
 OPEN | $5B | -3.1 | — | 4.8 | 8.0% | -6.6% | -151.3% | -16.6% | — |
 UWMC | $724M | 28.5 | 0.1 | — | 85.6% | 58.0% | 1.1% | 15.4% | — |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
See STC's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs STC Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare STC vs FAF
Side-by-side business, growth, and profitability comparison vs First American Financial Corporation.
Start ComparisonSTC — Frequently Asked Questions
Quick answers to the most common questions about buying STC stock.
What is Stewart Information Services Corporation's P/E ratio?
Stewart Information Services Corporation's current P/E ratio is 17.0x. The historical average is 18.0x. This places it at the 63th percentile of its historical range.
What is Stewart Information Services Corporation's EV/EBITDA?
Stewart Information Services Corporation's current EV/EBITDA is 11.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.2x.
What is Stewart Information Services Corporation's ROE?
Stewart Information Services Corporation's return on equity (ROE) is 7.5%. The historical average is 7.2%.
Is STC stock overvalued?
Based on historical data, Stewart Information Services Corporation is trading at a P/E of 17.0x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Stewart Information Services Corporation's dividend yield?
Stewart Information Services Corporation's current dividend yield is 2.94% with a payout ratio of 50.6%.
What are Stewart Information Services Corporation's profit margins?
Stewart Information Services Corporation has 87.7% gross margin and 5.7% operating margin.
How much debt does Stewart Information Services Corporation have?
Stewart Information Services Corporation's Debt/EBITDA ratio is 3.9x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.