Financial Services · Insurance - Property & Casualty
Price
$67.34
Market Cap
$2.0B
Employees
6,800
Beta
1.01
Avg Volume
185,068
CEO
Frederick Henry Eppinger Jr.
Business Description
Stewart Information Services Corporation (STC) operates as a key provider of title insurance and related services essential for real estate transactions, delivered through its various subsidiary entities. The company's operations are divided into two primary segments: "Title" and "Ancillary Services and Corporate." The Title division is fundamentally involved in ensuring property security by conducting thorough title searches, examinations, and closings, culminating in the issuance of title insurance. This segment further extends its offerings to include personal and property insurance solutions, support for tax-deferred property exchanges, and advanced digital platforms designed to enhance customer engagement. Conversely, the Ancillary Services and Corporate segment furnishes a suite of support services, especially tailored for the mortgage industry. These encompass the management of appraisals, virtual notarization and closing capabilities, the provision of vital credit and real estate data, and specialized property search and valuation analyses. Stewart delivers its extensive range of products and services via multiple channels, including its directly managed policy-issuing offices, a broad network of independent agencies, and various other business units within the corporation. Its clientele is diverse, serving individual homebuyers and sellers, professionals across both residential and commercial real estate, title agencies, real estate attorneys and investors, home builders, and a wide array of mortgage industry participants such as lenders, servicers, brokers, and investors. Established in 1893, Stewart Information Services Corporation is headquartered in Houston, Texas, and maintains an international presence with operations spanning the United States, Canada, the United Kingdom, and Australia.
Business History
Price Overview
Last updated: Jun 27, 2026 10:02am (just now)$67.34
+2.78 (+4.31%)
Day Range
$63.52 – $67.44
52-Week Range
$56.39 – $78.61
50-Day MA
$67.21
200-Day MA
$68.94
Volume
7,376.00
Analyst Price Targets
Low
$80.00
Consensus
$80.50
High
$81.00
(5 analysts)
Share Structure
Outstanding
30,427,083.00
Float
29,771,075.00
Free Float
97.8%
High free float
— 97.8% of shares trade freely, ~2.2% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
16.03
Stock Price: $67.34
EPS (Diluted): 4.08
EPS (Diluted): 4.08
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.24
Stock Price: $67.34
Total Equity: $1.64B
Shares: 29,040,000
Total Equity: $1.64B
Shares: 29,040,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
9.68
Market Cap: $2.05B
Total Debt: $646.61M
Cash: $321.78M
EBITDA: $241.43M
Total Debt: $646.61M
Cash: $321.78M
EBITDA: $241.43M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$2.5B
Market Cap: $2.05B
Total Debt: $646.61M
Cash: $321.78M
Total Debt: $646.61M
Cash: $321.78M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
87.7%
Gross Profit: $2.56B
Revenue: $2.92B
Revenue: $2.92B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
5.7%
Operating Income: $165.55M
Revenue: $2.92B
Revenue: $2.92B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
4.0%
Net Income: $115.56M
Revenue: $2.92B
Revenue: $2.92B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
8.4%
Net Income: $115.56M
Total Equity: $1.64B
Total Equity: $1.64B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
5.6%
Operating Income: $165.55M
Tax Rate: 21.4%
Equity: $1.64B
Total Debt: $646.61M
Cash: $321.78M
Tax Rate: 21.4%
Equity: $1.64B
Total Debt: $646.61M
Cash: $321.78M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.72
Current Assets: $559.74M
Current Liabilities: $777.80M
Current Liabilities: $777.80M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.39
Short-Term Debt: $200.00M
Long-Term Debt: $446.61M
Total Debt: $646.61M
Total Equity: $1.64B
Long-Term Debt: $446.61M
Total Debt: $646.61M
Total Equity: $1.64B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$100.61
Revenue: $2.92B
Shares: 29,040,000
Shares: 29,040,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$56.51
Total Equity: $1.64B
Shares: 29,040,000
Shares: 29,040,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$4.56
Operating CF: $205.69M
CapEx: -$73.41M
Shares: 29,040,000
CapEx: -$73.41M
Shares: 29,040,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
2.9%
Last Dividend: N/A
Stock Price: $67.34
Stock Price: $67.34
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $115.56M
Net Income: $115.56M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares STC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:51pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $3.3B | $3.1B | $2.3B | $2.5B | $2.9B |
| Cost of Revenue | $126.2M | $102.7M | $80.3M | $80.4M | $358.7M |
| Gross Profit | $3.2B | $3.0B | $2.2B | $2.4B | $2.6B |
| Operating Expenses | $2.7B | $2.7B | $2.1B | $2.3B | $2.4B |
| Operating Income | $434.0M | $232.7M | $60.9M | $114.3M | $165.5M |
| Net Income | $323.2M | $162.3M | $30.4M | $73.3M | $115.6M |
| EBITDA | $475.4M | $308.2M | $143.0M | $195.8M | $241.4M |
| EPS | $12.05 | $5.98 | $1.11 | $2.65 | $4.08 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:51pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $485.9M | $248.4M | $233.4M | $216.3M | $321.8M |
| Total Current Assets | $622.9M | $390.4M | $223.4M | $398.3M | $559.7M |
| Total Assets | $2.8B | $2.7B | $2.7B | $2.7B | $3.3B |
| Current Liabilities | $598.4M | $576.1M | $0 | $539.8M | $777.8M |
| Long-Term Debt | $482.5M | $447.0M | $445.3M | $445.8M | $446.6M |
| Total Liabilities | $1.5B | $1.4B | $1.3B | $1.3B | $1.6B |
| Total Equity | $1.3B | $1.4B | $1.4B | $1.4B | $1.6B |
| Retained Earnings | $974.8M | $1.1B | $1.1B | $1.1B | $1.1B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:51pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $390.3M | $191.9M | $83.0M | $135.6M | $205.7M |
| Capital Expenditure | -$39.8M | -$47.9M | -$37.8M | -$40.5M | -$73.4M |
| Free Cash Flow | $350.5M | $143.9M | $45.3M | $95.1M | $132.3M |
| Acquisitions (net) | -$600.0M | -$142.9M | -$25.1M | -$14.4M | -$370.0M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$2.3M | -$3.3M | -$1.8M | -$3.8M | -$3.9M |
| Net Change in Cash | $53.2M | -$237.6M | -$15.0M | -$17.1M | $105.5M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 4:43pm (17h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$2.9B $2.9B – $2.9B
|
$3.5B $3.5B – $3.5B
|
$3.7B $3.7B – $3.7B
|
$4.0B $3.9B – $4.0B
|
| EBITDA |
$270.1M $269.7M – $270.4M
|
$324.6M $324.5M – $324.7M
|
$345.5M $344.0M – $347.0M
|
$370.6M $369.7M – $371.5M
|
| Net Income |
$133.6M $133.2M – $134.0M
|
$176.3M $175.7M – $176.8M
|
$214.0M $213.3M – $214.6M
|
$221.9M $221.2M – $222.6M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:51pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -7.2% | -26.5% | +10.3% | +17.3% |
| Gross Profit Growth | -6.7% | -26.6% | +10.7% | +6.3% |
| Operating Income Growth | -46.4% | -73.8% | +87.8% | +44.8% |
| Net Income Growth | -49.8% | -81.2% | +140.8% | +57.6% |
| EBITDA Growth | -35.2% | -53.6% | +36.9% | +23.3% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-01 | BRADLEY C ALLEN JR | P-Purchase | 12.00 | $63.80 | $766 |
| 2026-06-01 | BRADLEY C ALLEN JR | P-Purchase | 758.00 | $63.87 | $48,413 |
| 2026-06-01 | BRADLEY C ALLEN JR | P-Purchase | 230.00 | $63.87 | $14,690 |
| 2026-05-07 | Morris Matthew | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Pallotta Karen R | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Sanchez Rodriquez Manuel | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Vaid Helen | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Matz Deborah Jane | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Corey William S. Jr. | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Clarke Robert | A-Award | 3,151.00 | $0.00 | $0 |
| 2026-05-07 | BRADLEY C ALLEN JR | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-07 | Apel Thomas G | A-Award | 1,791.00 | $0.00 | $0 |
| 2026-05-01 | Swed Ryan M. | M-Exempt | 802.00 | $0.00 | $0 |
| 2026-05-01 | Swed Ryan M. | F-InKind | 241.00 | $69.10 | $16,653 |
| 2026-05-01 | Swed Ryan M. | M-Exempt | 802.00 | $0.00 | $0 |
| 2026-04-28 | Rable Brad | G-Gift | 300.00 | $0.00 | $0 |
| 2026-04-24 | Hisey David C | S-Sale | 5,639.00 | $71.09 | $400,877 |
| 2026-04-24 | Hisey David C | S-Sale | 5,353.00 | $71.47 | $382,579 |
| 2026-03-26 | Sheckler Erinlea | M-Exempt | 807.00 | $0.00 | $0 |
| 2026-03-26 | Sheckler Erinlea | F-InKind | 202.00 | $59.38 | $11,995 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:51pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-15 | $0.53 | 2026-06-01 | 2026-06-15 | 2026-06-30 |
| 2026-03-16 | $0.53 | 2026-03-02 | 2026-03-16 | 2026-03-31 |
| 2025-12-15 | $0.53 | 2025-12-01 | 2025-12-15 | 2025-12-30 |
| 2025-09-16 | $0.53 | 2025-09-02 | 2025-09-16 | 2025-09-30 |
| 2025-06-16 | $0.50 | 2025-06-02 | 2025-06-16 | 2025-06-30 |
| 2025-03-17 | $0.50 | 2025-03-03 | 2025-03-17 | 2025-03-31 |
| 2024-12-16 | $0.50 | 2024-12-02 | 2024-12-16 | 2024-12-30 |
| 2024-09-16 | $0.50 | 2024-09-03 | 2024-09-16 | 2024-09-30 |
| 2024-06-17 | $0.48 | 2024-06-03 | 2024-06-17 | 2024-06-28 |
| 2024-03-14 | $0.48 | 2024-03-01 | 2024-03-15 | 2024-03-28 |
| 2023-12-14 | $0.48 | 2023-12-01 | 2023-12-15 | 2023-12-29 |
| 2023-09-14 | $0.48 | 2023-09-01 | 2023-09-15 | 2023-09-29 |
| 2023-06-14 | $0.45 | 2023-06-01 | 2023-06-15 | 2023-06-30 |
| 2023-03-14 | $0.45 | 2023-03-01 | 2023-03-15 | 2023-03-31 |
| 2022-12-14 | $0.45 | 2022-12-01 | 2022-12-15 | 2022-12-30 |
| 2022-09-14 | $0.45 | 2022-09-01 | 2022-09-15 | 2022-09-30 |
| 2022-06-14 | $0.38 | 2022-06-01 | 2022-06-15 | 2022-06-30 |
| 2022-03-14 | $0.38 | 2022-03-01 | 2022-03-15 | 2022-03-31 |
| 2021-12-14 | $0.38 | 2021-12-01 | 2021-12-15 | 2021-12-31 |
| 2021-09-14 | $0.33 | 2021-09-01 | 2021-09-15 | 2021-09-30 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for STC — it's generated by the pipeline (
market-narrative step).
No community reviews yet for STC.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30