A Business at a Glance
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STEWART INFORMATION SERVICES CORP
STC
$1.9B
Mkt Cap
$67.42
+4.93%
STEWART INFORMATION SERVICES CORP (STC) has a current P/E ratio of 16.6, compared to its historical median P/E of 16.3. The stock is currently considered Fair based on its historical valuation range.
STEWART INFORMATION SERVICES CORP (STC) has a 5-year average return on invested capital (ROIC) of 8.8%. This is below average and may indicate limited pricing power.
STEWART INFORMATION SERVICES CORP (STC) has a market capitalization of $2.1B. It is classified as a mid-cap stock.
Yes, STEWART INFORMATION SERVICES CORP (STC) pays a dividend with a trailing twelve-month yield of 2.97%. The company also returns capital through share buybacks, with a buyback yield of 0.28%.
Based on historical P/E analysis, STEWART INFORMATION SERVICES CORP (STC) appears fair. The current P/E of 16.6 is 2% above its historical median of 16.3. The estimated fair value CAGR (P/E method) is -10.1%.
STEWART INFORMATION SERVICES CORP (STC) operates in the Title Insurance industry, within the Financials sector.
Item 1. Business Founded in 1893, Stewart Information Services Corporation (NYSE:STC) (Stewart) is a customer-focused, global title insurance and real estate services company offering products and services through our direct operations, network of approved agencies and other companies within the Stewart family. One of the largest global title insurance companies and underwriters in the industry, Stewart provides services to homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies, real estate attorneys and home builders. Stewart also provides credit and real estate data services, property preservation and field services, valuation management services, online notarization and closing services, search services, home and personal insurance services, tax-deferred exchanges, and technology services to streamline the real estate process.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.1B | 2.9B | 2.5B | 2.3B | 3.1B | 3.3B |
| Net Income | 129M | 116M | 73M | 30M | 162M | 323M |
| EPS | $4.48 | $4.05 | $2.61 | $1.11 | $5.94 | $11.90 |
| Free Cash Flow | 154M | 132M | 95M | 45M | 144M | 350M |
| ROIC | 0.0% | 6.6% | 4.0% | 1.7% | 9.1% | 22.5% |
| Gross Margin | - | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% |
| Debt/Equity | 0.39 | 0.98 | 0.32 | 0.32 | 0.33 | 0.38 |
| Dividends/Share | $2.00 | $2.05 | $1.95 | $1.85 | $1.65 | $1.37 |
| Operating Income | 0 | 166M | 114M | 61M | 233M | 434M |
| Operating Margin | 0.0% | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% |
| ROE | 7.9% | 7.6% | 5.3% | 2.2% | 12.3% | 28.3% |
| Shares Outstanding | 30M | 29M | 28M | 27M | 27M | 27M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.9B | 2.0B | 2.0B | 2.0B | 1.9B | 1.9B | 2.3B | 3.3B | 3.1B | 2.3B | 2.5B | 2.9B | 3.1B |
| Gross Margin | 2.8% | 0.5% | 4.4% | 3.8% | 3.8% | 6.0% | 9.5% | 13.1% | 7.6% | 2.7% | 4.6% | 5.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 624M | 658M | 604M | 566M | 562M | 567M | 613M | 777M | 802M | 713M | 745M | 831M | 866M |
| EBIT | 52M | 9.7M | 88M | 75M | 73M | 117M | 219M | 434M | 233M | 61M | 114M | 166M | 0 |
| Op. Margin | 2.8% | 0.5% | 4.4% | 3.8% | 3.8% | 6.0% | 9.5% | 13.1% | 7.6% | 2.7% | 4.6% | 5.7% | 0.0% |
| Net Income | 30M | -6.2M | 43M | 49M | 48M | 79M | 155M | 323M | 162M | 30M | 73M | 116M | 129M |
| Net Margin | 1.6% | -0.3% | 2.2% | 2.5% | 2.5% | 4.1% | 6.8% | 9.8% | 5.3% | 1.3% | 2.9% | 4.0% | 4.2% |
| Non-Recurring | 0 | 36M | -2.9M | -160K | 208K | 15M | 0 | 6.1M | -3.6M | 0 | -800K | -2.9M | -2.9M |
| Returns on Capital | |||||||||||||
| ROIC | 4.2% | -0.9% | 6.3% | 6.8% | 6.1% | 9.6% | 15.8% | 22.5% | 9.1% | 1.7% | 4.0% | 6.6% | 0.0% |
| ROE | 4.4% | -0.9% | 6.8% | 7.4% | 7.1% | 11.1% | 17.7% | 28.3% | 12.3% | 2.2% | 5.3% | 7.6% | 7.9% |
| ROA | 2.2% | -0.5% | 3.3% | 3.5% | 3.4% | 5.3% | 8.7% | 13.5% | 5.8% | 1.1% | 2.7% | 3.9% | 4.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 64M | 81M | 123M | 108M | 84M | 166M | 276M | 390M | 192M | 83M | 136M | 206M | 231M |
| Free Cash Flow | 44M | 61M | 105M | 92M | 74M | 149M | 261M | 350M | 144M | 45M | 95M | 132M | 154M |
| Owner Earnings | 36M | 46M | 90M | 77M | 54M | 142M | 251M | 342M | 122M | 9.7M | 60M | 128M | 151M |
| CapEx | 20M | 20M | 18M | 16M | 11M | 17M | 15M | 40M | 48M | 38M | 40M | 73M | 78M |
| Maint. CapEx | 24M | 30M | 30M | 26M | 25M | 23M | 19M | 36M | 57M | 62M | 62M | 61M | 63M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.4M | 0 | 0 | 0 | 12M | 15M |
| D&A | 24M | 30M | 30M | 26M | 25M | 23M | 19M | 36M | 57M | 62M | 62M | 61M | 63M |
| CapEx/OCF | 30.5% | 24.4% | 14.8% | 15.2% | 12.7% | 10.3% | 5.4% | 10.2% | 25.0% | 45.5% | 29.8% | 35.7% | 33.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.3M | 18M | 28M | 28M | 28M | 28M | 30M | 37M | 45M | 51M | 54M | 58M | 61M |
| Dividend Yield | 0.4% | 2.7% | 3.9% | 3.7% | 3.5% | 3.6% | 3.8% | 2.6% | 3.4% | 4.5% | 3.0% | 3.1% | 3.0% |
| Share Buybacks | 22M | 28M | 1.1M | 727K | 1.2M | 532K | 1.1M | 2.3M | 3.3M | 1.8M | 3.8M | 3.9M | 5.8M |
| Buyback Yield | 3.4% | 4.2% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.3% | 0.1% | 0.2% | 0.2% | 0.3% |
| Stock-Based Comp | 4.0M | 4.4M | 3.0M | 5.3M | 4.8M | 2.1M | 5.8M | 12M | 12M | 11M | 14M | 17M | 18M |
| Debt Repayment | 0 | 0 | 2.0M | 1.3M | 0 | 0 | 0 | 0 | 0 | 5.8M | 3.4M | 1.2M | 1.2M |
| Balance Sheet | |||||||||||||
| Net Debt | -154M | -116M | -101M | 34M | -8.1M | -145M | -253M | -20M | 174M | 173M | 188M | N/A | 329M |
| Cash & Equiv. | 201M | 179M | 186M | 150M | 192M | 331M | 433M | 486M | 248M | 233M | 216M | 322M | 317M |
| Long-Term Debt | 71M | 102M | 107M | 109M | 108M | 111M | 102M | 483M | 447M | 445M | 446M | N/A | 647M |
| Debt/Equity | 0.10 | 0.16 | 0.17 | 0.31 | 0.31 | 0.28 | 0.20 | 0.38 | 0.33 | 0.32 | 0.32 | 0.98 | 0.39 |
| Interest Coverage | 16.0 | 4.6 | 28.7 | 21.7 | 18.7 | 26.9 | 83.3 | 86.3 | 12.6 | 3.1 | 5.7 | 8.1 | 8.1 |
| Equity | 693M | 629M | 641M | 672M | 674M | 747M | 1.0B | 1.3B | 1.4B | 1.4B | 1.4B | 1.6B | 1.6B |
| Total Assets | 1.4B | 1.3B | 1.3B | 1.4B | 1.4B | 1.6B | 2.0B | 2.8B | 2.7B | 2.7B | 2.7B | 3.3B | 3.2B |
| Total Liabilities | 692M | 684M | 693M | 727M | 693M | 839M | 966M | 1.5B | 1.4B | 1.3B | 1.3B | 1.6B | 1.6B |
| Intangibles | 26M | 18M | 11M | 9.7M | 9.7M | 4.6M | 37M | 230M | 199M | 193M | 173M | 325M | 316M |
| Retained Earnings | 480M | 456M | 472M | 492M | 514M | 564M | 689M | 975M | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.24 | -0.26 | 1.85 | 2.06 | 2.01 | 3.31 | 6.22 | 11.90 | 5.94 | 1.11 | 2.61 | 4.05 | 4.48 |
| Owner EPS | 1.49 | 1.92 | 3.83 | 3.26 | 2.30 | 5.97 | 10.07 | 12.59 | 4.48 | 0.35 | 2.15 | 4.47 | 4.95 |
| Book Value | 28.89 | 26.37 | 27.28 | 28.46 | 28.49 | 31.46 | 40.36 | 47.20 | 49.85 | 50.01 | 49.92 | 57.53 | 53.84 |
| Cash Flow/Share | 2.67 | 3.37 | 5.23 | 4.58 | 3.56 | 7.00 | 11.07 | 14.37 | 7.02 | 3.03 | 4.83 | 7.21 | 6.31 |
| Dividends/Share | 0.10 | 0.80 | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 1.37 | 1.65 | 1.85 | 1.95 | 2.05 | 2.00 |
| Shares Out. | 24.0M | 23.9M | 23.5M | 23.6M | 23.6M | 23.8M | 24.9M | 27.2M | 27.3M | 27.4M | 28.1M | 28.5M | 30.4M |
| Valuation | |||||||||||||
| P/E Ratio | 21.8 | N/A | 18.6 | 16.2 | 16.5 | 10.4 | 6.7 | 5.9 | 6.3 | 50.5 | 25.7 | 17.6 | 15.0 |
| P/FCF | 14.6 | 11.0 | 7.7 | 8.6 | 10.7 | 5.5 | 4.0 | 5.4 | 7.1 | 34.0 | 19.8 | 15.3 | 13.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.9 | 1.1 | 1.6 | 1.2 | 1.2 | 1.1 | 1.0 | 1.5 | 0.8 | 1.1 | 1.3 | 1.2 | 1.3 |
| Price/Sales | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | 0.7 | 0.7 | 0.7 |
| FCF Yield | 6.9% | 9.1% | 10.1% | 11.6% | 9.4% | 18.3% | 25.3% | 18.5% | 14.0% | 2.9% | 5.1% | 6.5% | 7.5% |
| Market Cap | 647M | 668M | 1.0B | 787M | 783M | 814M | 1.0B | 1.9B | 1.0B | 1.5B | 1.9B | 2.0B | 2.1B |
| Avg. Price | 23.59 | 28.40 | 30.00 | 32.23 | 34.18 | 33.30 | 32.17 | 52.15 | 48.19 | 41.16 | 63.50 | 67.07 | 67.42 |
| Year-End Price | 26.98 | 28.02 | 34.48 | 33.32 | 33.11 | 34.29 | 41.42 | 69.68 | 37.64 | 56.06 | 67.06 | 71.08 | 67.42 |
STEWART INFORMATION SERVICES CORP passes 3 of 9 quality checks, indicating weak fundamentals.
STEWART INFORMATION SERVICES CORP trades at 16.6x trailing earnings, compared to its 15-year median P/E of 16.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 15.5x vs a median of 8.2x. The company's 5-year average ROIC is 8.8% with a gross margin of 6.7%. Total shareholder yield (dividends + buybacks) is 3.2%. At current prices, the estimated annualized return to fair value is -17.5%.
STEWART INFORMATION SERVICES CORP (STC) reported annual revenue of $2.9 billion in its most recent fiscal year, based on SEC EDGAR filings.
STEWART INFORMATION SERVICES CORP (STC) has a net profit margin of 4.0%. This is a modest margin.
STEWART INFORMATION SERVICES CORP (STC) generated $132 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
STEWART INFORMATION SERVICES CORP (STC) has a debt-to-equity ratio of 0.98. This indicates moderate leverage.
STEWART INFORMATION SERVICES CORP (STC) reported earnings per share (EPS) of $4.05 in its most recent fiscal year.
STEWART INFORMATION SERVICES CORP (STC) has a return on equity (ROE) of 7.6%. This indicates moderate shareholder returns.
STEWART INFORMATION SERVICES CORP (STC) has a 5-year average gross margin of 6.7%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for STEWART INFORMATION SERVICES CORP (STC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
STEWART INFORMATION SERVICES CORP (STC) has a book value per share of $57.53, based on its most recent annual SEC filing.