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Stewart Information Services Corporation

Stewart Information Services Corporation

NYSE•STC
CEO: Mr. Frederick Henry Eppinger Jr.
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 1973-02-21
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services in the United States and internationally. The company involves in searching, examining, closing, and insuring the condition of the title to real property. It also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. It also provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services. The company serves homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies and real estate attorneys, and home builders through direct operations, network of independent agencies, and other businesses. The company was founded in 1893 and is headquartered in Houston, Texas.
Contact Information
1360 Post Oak Boulevard, Suite 100, Houston, TX, 77056, United States
713-625-8100
www.stewart.com
Market Cap
$2.04B
P/E (TTM)
19.8
12.4
Dividend Yield
2.8%
52W High
$78.44
52W Low
$56.39
52W Range
75%
5.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$796.90M+19.31%
4-Quarter Trend

EPS

$1.64+50.46%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Nine Month Income Soars Net income attributable to Stewart reached $79.26M for nine months, marking a strong 56.7% increase over 2024.
Revenue Growth Strong Consolidated operating revenues totaled $2.131B for nine months, showing 16.8% improvement compared to prior year period.
Title Segment Revenue Jumps Q3 Title operating revenues increased $106.6M (19%) driven by strong performance in direct and agency title operations.
Diluted EPS Significantly Higher Third quarter diluted EPS was $1.55, a substantial increase from $1.07 reported in the comparable prior year quarter.

Risk Factors

Title Loss Ratio Monitoring Nine month title loss ratio improved to 3.4% versus 4.0% last year, but remains sensitive to large claim fluctuations.
Economic Environment Sensitivity Operations highly sensitive to interest rates, housing affordability, and consumer confidence, impacting transaction volumes significantly.
Regulatory Compliance Exposure Company faces ongoing regulatory inquiries regarding insurance practices; potential fines or license revocation possible.
Goodwill From Acquisitions $35.7M goodwill recorded during nine months from acquisitions in Title and Real Estate Solutions segments.

Outlook

New Credit Facility Secured Entered new $300.0M senior unsecured revolving credit facility in October 2025, maturing in October 2030.
Focus on Margin Improvement Plans include technology investment, automation, and process consolidation to lower unit costs and improve operating margins.
Capital Return Maintained Paid $42.6M in total dividends during the first nine months of 2025, continuing capital distribution strategy.
Forward-Looking Statement Risks Future performance subject to risks including economic volatility, interest rate changes, and regulatory uncertainty.

Peer Comparison

Revenue (TTM)

Stewart Information Services CorporationSTC
$2.80B
+16.2%
Horace Mann Educators CorporationHMN
$1.64B
+5.6%
LendingClub CorporationLC
$1.05B
-9.3%

Gross Margin (Latest Quarter)

Horace Mann Educators CorporationHMN
100.0%
+0.0 pp
WisdomTree, Inc.WT
73.1%
+0.3 pp
First BancorpFBNC
67.4%
+11.1 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
FBNC$2.11B20.96.5%0.7%
STC$2.04B19.80.0%24.3%
LC$1.99B19.47.5%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+6.2%
Steady Growth
4Q Net Income CAGR
+27.1%
Profitability Improved
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $796.90M+19.3%
    |
    EPS: $1.64+50.5%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $722.18M+19.9%
    |
    EPS: $1.14+81.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $611.98M+10.4%
    |
    EPS: $0.11+0.0%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $2.49B+10.3%
    |
    EPS: $2.65+138.7%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $667.94M+11.0%
    |
    EPS: $1.09+113.7%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $602.23M+9.7%
    |
    EPS: $0.63+8.6%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $554.32M+5.7%
    |
    EPS: $0.11-136.7%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $2.26B-26.5%
    |
    EPS: $1.11-81.4%
    Beat