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

$1.96B

P/E (TTM)

15.9

11.2

Dividend Yield

3.2%

52W High

$78.61

52W Low

$56.39

52W Range

37%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$790.60M+0.00%

4-Quarter Trend

EPS

$1.25+0.00%

4-Quarter Trend

FCF

$62.30M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Soars Net income attributable to Stewart reached $115.5M USD in 2025, a significant increase from $73.3M USD in 2024.

Revenue Growth Strong Total operating revenues grew 18% to $2.86B USD in 2025, driven by title and real estate solutions segments.

Title Loss Ratio Improves Title loss expense ratio improved to 3.4% of revenues in 2025, down from 3.9% in 2024, reflecting favorable claims.

Major Acquisition Completed Completed largest acquisition, Mortgage Contracting Services (MCS), expanding real estate solutions segment capabilities in 2025.

Risk Factors

Real Estate Market Sensitivity Financial results remain highly dependent on cyclical housing activity, mortgage rates, and consumer confidence fluctuations.

Cybersecurity Threat Exposure Operations rely heavily on IT systems; successful cyber breaches could cause data loss, disruption, and reputational harm.

Title Loss Reserve Uncertainty Estimating future title losses requires significant judgment; ultimate liability could materially exceed current $524.5M reserves.

Regulatory Compliance Burden Extensive state and federal regulations, including CFPB rules, impose burdensome compliance costs and operational restrictions.

Outlook

Margin Improvement Focus Management emphasizes cost-effective model via technology, automation, and consolidation to improve operating margins going forward.

Positive 2026 Market Forecast Expect existing home sales to improve 7% and originations to increase 15% in 2026 based on industry forecasts.

Continued Strategic Investment Strategy includes continued investment in technology to enhance efficiency and pursue growth in key real estate markets.

Peer Comparison

Revenue (TTM)

STC

$2.92B

+17.3%

HMN

$1.64B

+6.1%

$1.33B

+15.0%

Gross Margin (Latest Quarter)

HMN

100.0%

+7.1pp

OFG

80.6%

+14.5pp

75.3%

+26.5pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
NIC	$2.24B	14.7	12.4%	1.5%
FBNC	$2.21B	20.0	7.0%	0.6%
WT	$2.16B	18.9	26.5%	63.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

8.9%

Steady Growth

4Q Net Income CAGR

127.6%

Profitability Improved

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 21, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data