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Stewart Information Services Corporation
STC · Price history
Price at last available close
$45.06
−$4.65 (-9.35%) 1M
2026-10-30
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Company & revenue
About Stewart Information Services Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Stewart Information Services Corporation generates revenue primarily through title insurance premiums, escrow and closing fees, and various real estate information and settlement services. The company operates through direct title offices and a network of independent agencies, earning fees for title searches, examinations, and underwriting services that protect lenders and property owners against title defects.
Products & services
Title insurance, escrow and closing services, credit and real estate data services, property preservation, valuation management, online notarization, and tax-deferred exchange services.
Brands & revenue mix
Primary brand for title insurance and settlement services.
Separate brand revenue is not available in this research.Source
Real estate data and analytics platform.
Separate brand revenue is not available in this research.Source
Online notarization and closing services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
Customer types
Customer concentration
The company does not report significant customer concentration, as its revenue is derived from a broad base of homebuyers, sellers, lenders, and real estate professionals.
Suppliers, materials & equipment
- Independent Title Agencies — Independent agencies that provide title insurance and settlement services on behalf of Stewart.Source
Competitors
- Fidelity National Financial, Inc. — A major competitor in the title insurance and real estate services industry.Source
- First American Financial Corporation — A major competitor in the title insurance and real estate services industry.Source
- Old Republic International Corporation — A major competitor in the title insurance and real estate services industry.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
41
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
57
Fair
Financial Strength
44
Business Quality / Moat
52
Management
65
Growth Quality
69
Risk / Durability
75
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
23
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
35/100
Building Historical Record
Model Score 35/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Asset quality scores strongly
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for STC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can STC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is STC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is STC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What future growth or profitability would be needed to justify STC's current valuation?
Essential Investment Snapshot
Wall Street Score
41
Opportunity Score
23
Market Cap
$1.38B
P/E Ratio
13.2
EPS
$3.99
52-Week High
$78.61
52-Week Low
$48.74
Beta
1.05
Intrinsic Value
$33.91
Analyst Target
$87.00
Shares Outstanding
29.0M
Total Revenue
$3.37B
Total Debt
$788.3M
Reported Dividend Yield
3.64%
Liquidation Value / Share
$57.96
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for STC
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on STC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Extensive network of direct operations and independent agencies.
- +Long-standing history and brand recognition since 1893.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Sensitivity to fluctuations in real estate market activity and mortgage interest rates.
- −Regulatory and legal risks associated with insurance underwriting and compliance.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
42
Oct 1, 2026
Change
-1.3
points
Current Score
41
Oct 22, 2026
Category Changes
STC decreased 1.3 points because Capital declined by 8 points, Management declined by 9.2 points.
Negative Contributors
- − Capital declined by 8 points
- − Management declined by 9.2 points
Projected Score
Projected Score
34
Projected Change
-6.8 points
Preliminary comparable-period financial changes suggest decline of approximately 6.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$45.11
Model Intrinsic Value
$33.91
Difference
+$11.20
+33.0% vs IV
Margin of Safety
-33.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.37B | $2.92B | $2.49B | $2.26B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $640.2M | $358.7M | $80.4M | $80.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.73B | $2.56B | $2.41B | $2.18B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.35B | $1.04B | $745.4M | $712.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $2.55B | $2.40B | $2.30B | $2.12B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $267.6M | $241.4M | $195.8M | $143.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $183.6M | $165.5M | $114.3M | $60.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $28.3M | $20.4M | $19.9M | $19.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $176.0M | $165.5M | $114.3M | $60.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $40.3M | $35.4M | $26.2M | $15.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $120.8M | $115.6M | $73.3M | $30.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $3.99 | $4.08 | $2.65 | $1.11 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 30.98M | 29.04M | 27.63M | 27.29M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 30.98M | 29.04M | 28.13M | 27.52M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$900.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.98
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+38.0%
Cash Change
-19.2%
Margin Change
-2.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth. Pressure indicators included EPS growth, cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 13.0%. EPS declined 36.8%. Cash declined 19.2%. Total debt increased 38.0%. Net income margin declined by 2.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
What Stewart Information Services (STC) Said on Its Q3 Earnings Call
Stewart Reports Third Quarter 2026 Results
AVCON RECEIVES FAA STC FOR HONEYWELL AEROSPACE REPLACEMENT EGPWS ON BOMBARDIER AND LEARJET AIRCRAFT
Stewart Information Services Corporation Announces Third Quarter 2026 Earnings Conference Call
Rumor Mill · STC
Corporate developments & opportunities
No reviewed developments match this filter.
The reliability percentage measures the strength of the supporting evidence—not the probability that the event will occur or that the stock will rise. Rumor Mill is separate from the WSS score.
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