Stewart Information Services Corp STC

FinancialsInsuranceUnited States of America

Last close 45.48 USD on Nov 1, 2026, −35.1% year to date

Quant rating

Quant rating D Rank 627 of 799 in Financials

Growth C 465 of 799
Valuation B 138 of 799
Quality D 655 of 799
Revisions C 501 of 799
Momentum D 770 of 799

Wall Street consensus Buy (2.33)Average target 65.13 USD +43.2%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 1.4B
Enterprise value: 1.8B
52-week range: 42.67 – 78.54
3-year range: 42.67 – 78.54
Dividend yield: 4.94%
Beta (5 years): 1.02
Shares outstanding: 30.5M
Next earnings: Feb 2, 2027

About the company

Stewart Information Services Corporation is a global real estate services company, offering products and services through its direct operations, network of Stewart Trusted Providers and family of companies. It provides services to homebuyers and sellers, residential and commercial real estate professionals, and others. Its segments include title insurance and related services, real estate solutions, and corporate. Title insurance and related services segment includes the functions of searching, examining, closing and insuring the condition of the title to real property. This segment includes home and personal insurance services, Internal Revenue Code Section 1031 tax-deferred (Section 1031) exchanges, and digital customer engagement platform services. Real estate solutions segment supports the real estate mortgage industry by primarily providing credit and real estate information services, valuation management services, online notarization and closing solutions, and search services.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	2,858	2,422	2,212	3,048	3,265	–
Revenue growth	18.0%	9.5%	−27.4%	−6.6%	43.7%	4.7%
EPS (basic, normalized)	4.89	3.35	2.42	6.58	11.20	–
EPS growth	46.0%	38.4%	−63.2%	−41.2%	–	–
Gross margin	–	–	–	–	–	–
Net margin	4.0%	3.0%	1.3%	5.3%	9.8%	4.7%
ROE	9.2%	6.8%	2.2%	13.6%	26.6%	11.7%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Current ratio	–
Long-term debt (mil)	647
Net debt (mil)	–
Total equity (mil)	1,674
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	2,858	+18.0%	0.6x	54.30	+5.9%	0.8x	4.89	+46.0%	9.3x
2026	3,456	+20.9%	0.5x	55.66	+2.5%	0.8x	4.92	+0.7%	9.2x
2027	3,633	+5.1%	0.5x	57.70	+3.7%	0.8x	5.64	+14.6%	8.1x
2028	3,826	+5.3%	0.5x	60.30	+4.5%	0.8x	6.66	+18.0%	6.8x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	3,456	−2.1%	−2.1%	−0.1%	4.92	−9.8%	−9.8%	−18.9%
2027	3,633	−5.8%	−5.8%	−1.4%	5.64	−19.6%	−19.6%	−22.8%
2028	3,826	−4.9%	−4.9%	−3.2%	6.66	−10.8%	−10.8%	−17.7%

Earnings surprises EPS beat in 3 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	554	603	663	666	612	722	797	791	781	899
Sales mean (mil)	536	602	638	646	596	663	737	775	730	847
Surprise	+3.4%	+0.2%	+3.9%	+3.1%	+2.8%	+9.0%	+8.1%	+2.0%	+7.0%	+6.2%
EPS reported	0.17	0.91	1.17	1.12	0.25	1.34	1.64	1.65	0.78	1.39
EPS mean	−0.13	1.13	1.04	0.93	0.33	1.19	1.38	1.35	0.52	1.63
Surprise	−230.8%	−19.5%	+12.5%	+20.9%	−25.0%	+13.1%	+18.8%	+21.9%	+50.0%	−14.6%

Peer comparison Insurance

Peers in the same industry group, by market capitalization
Company	Market cap	ROE	Net margin	P/B	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
STC Stewart Information Services Corp	1.4B	9.2%	4.0%	0.81x	9.2x	8.1x	0.8x	0.8x
ERIE Erie Indemnity Co	13.7B	–	13.8%	5.35x	20.8x	20.0x	–	–
FNF Fidelity National Financial Inc	10.9B	17.8%	4.2%	1.46x	8.2x	7.5x	1.2x	1.1x
ORI Old Republic International Corporation	9.3B	–	10.2%	1.58x	13.2x	11.9x	1.5x	1.4x
KNSL Kinsale Capital Group Inc	8.2B	26.4%	27.8%	4.29x	16.6x	16.7x	4.0x	3.6x
FAF First American Financial Corp	6.5B	12.0%	8.3%	1.21x	9.3x	9.3x	1.2x	1.1x
Mean		16.3%	11.4%	2.45x	12.9x	12.2x	1.7x	1.6x
Median		14.9%	9.3%	1.52x	11.2x	10.6x	1.2x	1.1x

Technical analysis

1M−22.7%
3M−35.4%
1Y−36.0%
3Y+13.9%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Stewart Information Services Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Premiums earned	2,858	2,422	2,212	3,048	3,265	2,272
Other revenue	58.2	55.7	45.1	20.9	41.2	16.9
Total revenue	2,916	2,478	2,257	3,069	3,306	2,288
Losses, benefits and adjustments	1,129	945	894	1,311	1,427	1,060
Amortization of policy acquisition costs	–	–	–	–	–	–
Selling, general & administrative expenses	831	745	713	802	777	613
Depreciation/amortization	61.1	61.6	62.4	57.2	36.4	19.2
Interest expense (income), operating	–	–	–	–	–	–
Other operating expenses	715	604	508	648	627	375
Operating income	181	122	80.6	251	439	221
Net interest income (expense)	−15.3	−7.3	−19.7	−18.4	−5.0	−2.6
Gain (loss) on sale of assets	–	–	–	–	–	–
Other non-operating income (expense)	0	0	0	0	0	0
Net income before taxes	166	114	60.9	233	434	219
Provision for taxes	35.4	26.2	15.3	50.9	94.0	48.8
Minority interest	−14.6	−14.8	−15.2	−19.5	−16.8	−14.8
Equity in affiliates	–	–	–	–	–	–
U.S. GAAP adjustment	–	–	–	–	–	–
Net income before extraordinary items	116	73.3	30.4	162	323	155
Extraordinary items	–	–	–	–	–	–
Net income	116	73.3	30.4	162	323	155
Basic weighted average shares (mil)	28.1	27.6	27.3	27.1	26.8	24.8
Diluted weighted average shares (mil)	28.6	28.1	27.5	27.3	27.2	24.9
Basic EPS, normalized	4.89	3.35	2.42	6.58	11.20	–

Balance sheet in millions of USD, fiscal years

Balance sheet, Stewart Information Services Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Total receivables	–	–	–	–	–	–
Prepaid expenses	–	–	–	–	–	–
Property, plant & equipment	191	190	198	209	207	158
Goodwill	1,272	1,084	1,072	1,073	925	431
Intangibles	325	173	193	199	230	37.4
Insurance receivables	38.3	36.8	38.7	39.9	45.4	34.5
Long-term investments	659	715	723	739	702	712
Note receivable	152	104	86.2	77.8	73.9	53.3
Other long-term assets	7.7	4.8	3.8	2.6	3.8	4.3
Deferred policy acquisition costs	–	–	–	–	–	–
Other assets	286	206	154	149	141	115
Total assets	3,253	2,730	2,703	2,738	2,813	1,979
Liabilities
Accounts payable	256	215	190	197	287	225
Payable/accrued	–	–	–	–	–	–
Accrued expenses	122	119	136	148	149	119
Policy liabilities	524	512	528	549	550	496
Short-term debt	0	0	0	0	0	0
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	647	446	445	447	483	102
Minority interest	9.3	8.9	7.1	8.1	12.7	7.3
Other liabilities	53.3	28.3	25.0	26.6	48.8	23.9
Total liabilities	1,612	1,328	1,331	1,376	1,531	973
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	30.6	28.1	27.7	27.5	27.2	27.1
Additional paid-in capital	490	331	311	297	282	275
Retained earnings (accumulated deficit)	1,145	1,089	1,071	1,092	975	689
Treasury stock	−2.7	−2.7	−2.7	−2.7	−2.7	−2.7
Other equity	−21.9	−43.4	−35.2	−51.3	0.3	17.0
Total equity	1,641	1,402	1,371	1,362	1,282	1,005
Total liabilities & shareholders' equity	3,253	2,730	2,703	2,738	2,813	1,979

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Stewart Information Services Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	130	88.2	45.6	182	340	170
Depreciation, depletion & amortization	61.1	61.6	62.4	57.2	36.4	19.2
Deferred taxes	8.3	4.5	−6.8	0.3	12.7	−9.7
Non-cash items	20.3	8.2	−11.3	21.6	63.9	40.4
Changes in working capital	−14.1	−26.9	−7.0	−69.0	−62.7	56.3
Cash from operations	206	136	83.0	192	390	276
Investing activities
Capital expenditures	−73.4	−40.5	−37.8	−47.9	−39.8	−15.0
Other investing cash flows	−295	−46.8	7.8	−253	−605	−216
Cash from investing	−369	−87.3	−30.0	−301	−645	−231
Financing activities
Financing cash flow items	−20.7	−13.8	−19.5	−44.1	−41.0	−14.3
Cash dividends paid	−58.5	−53.9	−50.5	−44.7	−36.6	−30.2
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	344	6.7	0.9	−34.4	388	98.8
Cash from financing	265	−61.0	−69.1	−123	310	54.3
Foreign exchange effects	3.2	−4.5	1.0	−5.5	−2.2	3.3
Net change in cash	105	−17.1	−15.0	−238	53.2	102
Free cash flow	132	95.1	45.3	144	350	261

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.