STC Stock Analysis: Stewart Information | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.823m USD | 12M Return: -17.2% | US8603721015 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.3M
EPS Trend: 97.3%
Qual. Beats: -1
Rev. Trend: 96.3%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Stewart Information Services Corporation (NYSE: STC) is a provider of title insurance and real estate transaction-related services, operating both in the United States and internationally. The companys core work involves searching, examining, closing, and insuring the condition of title to real property. Beyond title insurance, Stewart offers home and personal insurance, tax-deferred exchange services, digital customer engagement platforms, appraisal management, online notarization and closing, credit and real estate information, and search and valuation management services.
The company serves homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies, real estate attorneys, and home builders through direct operations and a network of independent agencies. Stewart was founded in 1893 and is headquartered in Houston, Texas. It is classified under the Financials sector, specifically within the Property & Casualty Insurance sub-industry, though its revenue is largely tied to real estate transaction volume rather than recurring insurance premiums.
- Existing home sales rebound boosts title order volume
- Mortgage rate cuts drive purchase and refinance transactions
- Capital returns expand through buybacks and dividends
| Net Income: 134.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.26 > 1.0 |
| NWC/Revenue: -7.76% < 20% (prev -6.20%; Δ -1.56% < -1%) |
| CFO/TA 0.07 > 3% & CFO 238.2m > Net Income 134.7m |
| Net Debt (586.7m) to EBITDA (276.6m): 2.12 < 3 |
| Current Ratio: 0.68 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.9m) vs 12m ago 8.88% < -2% |
| Gross Margin: 80.53% > 18% (prev 96.96%; Δ -16.43% > 0.5%) |
| Asset Turnover: 107.6% > 50% (prev 95.93%; Δ 11.70% > 0%) |
| Interest Coverage Ratio: 8.26 > 6 (EBIT TTM 211.6m / Interest Expense TTM 25.6m) |
| A: -0.08 (Total Current Assets 536.2m - Total Current Liabilities 789.7m) / Total Assets 3.29b |
| B: 0.35 (Retained Earnings 1.17b / Total Assets 3.29b) |
| C: 0.07 (EBIT TTM 211.6m / Avg Total Assets 3.04b) |
| D: 1.03 (Book Value of Equity 1.66b / Total Liabilities 1.62b) |
| Altman-Z'' = 2.20 = BBB |
| DSRI: 1.12 (Receivables 227.7m/166.1m, Revenue 3.27b/2.67b) |
| GMI: 1.20 (GM 96.96% / 80.53%) |
| AQI: 0.95 (AQ_t 0.75 / AQ_t-1 0.79) |
| SGI: 1.22 (Revenue 3.27b / 2.67b) |
| TATA: -0.03 (NI 134.7m - CFO 238.2m) / TA 3.29b) |
| Beneish M = -2.61 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 59.19 with a total of 294,509 shares traded. Over the past week, the price has changed by -6.29%, over one month by -13.88%, over three months by -7.56% and over the past year by -17.17%.
Current recommended Stop Loss: 56.90 (which is 3.9% or 1.3 ATR below the current price).
Stewart Information has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold STC.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 82.3 | 39% |
P/E Trailing = 13.575
P/E Forward = 18.5529
P/S = 0.5559
P/B = 1.154
P/EG = 3.7125
Revenue TTM = 3.27b USD
EBIT TTM = 211.6m USD
EBITDA TTM = 276.6m USD
Long Term Debt = 646.7m USD (from longTermDebt, last quarter)
Short Term Debt = 200.0m USD (from shortTermDebt, last fiscal year)
Debt = 895.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 124.2m
Net Debt = 586.7m USD (calculated: Debt 895.2m - CCE 308.5m)
Enterprise Value = 2.41b USD (1.82b + Debt 895.2m - CCE 308.5m)
Interest Coverage Ratio = 8.26 (Ebit TTM 211.6m / Interest Expense TTM 25.6m)
EV/FCF = 16.07x (Enterprise Value 2.41b / FCF TTM 150.0m)
FCF Yield = 6.22% (FCF TTM 150.0m / Enterprise Value 2.41b)
FCF Margin = 4.59% (FCF TTM 150.0m / Revenue TTM 3.27b)
Net Margin = 4.12% (Net Income TTM 134.7m / Revenue TTM 3.27b)
Gross Margin = 80.53% ((Revenue TTM 3.27b - Cost of Revenue TTM 636.2m) / Revenue TTM)
Gross Margin QoQ = none% (prev 62.30%)
Tobins Q-Ratio = 0.73 (Enterprise Value 2.41b / Total Assets 3.29b)
Interest Expense / Debt = 2.86% (Interest Expense 25.6m / Debt 895.2m)
Taxrate = 21.75% (41.7m / 191.6m)
NOPAT = 165.5m (EBIT 211.6m * (1 - 21.75%))
Current Ratio = 0.68 (Total Current Assets 536.2m / Total Current Liabilities 789.7m)
Debt / Equity = 0.54 (Debt 895.2m / totalStockholderEquity, last quarter 1.66b)
Debt / EBITDA = 2.12 (Net Debt 586.7m / EBITDA 276.6m)
Debt / FCF = 3.91 (Net Debt 586.7m / FCF TTM 150.0m)
Total Stockholder Equity = 1.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.44% (Net Income 134.7m / Total Assets 3.29b)
RoE = 8.40% (Net Income TTM 134.7m / Total Stockholder Equity 1.60b)
RoCE = 9.40% (EBIT 211.6m / Capital Employed (Equity 1.60b + L.T.Debt 646.7m))
RoIC = 6.52% (NOPAT 165.5m / Invested Capital 2.54b)
WACC = 5.40% (E(1.82b)/V(2.72b) * Re(6.96%) + D(895.2m)/V(2.72b) * Rd(2.86%) * (1-Tc(0.22)))
Discount Rate = 6.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.02 | Cagr: 4.36%
[DCF] Terminal Value 77.97% ; FCFF base≈137.8m ; Y1≈157.9m ; Y5≈232.4m
[DCF] Fair Price = 95.37 (EV 3.50b - Net Debt 586.7m = Equity 2.91b / Shares 30.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.34 | EPS CAGR: 71.19% | SUE: -1.93 | # QB: -1
Revenue Correlation: 96.32 | Revenue CAGR: 14.18% | SUE: 0.87 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.63 | Chg30d=+0.00% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=5.52 | Chg30d=+0.00% | Revisions=-50% | GrowthEPS=+13.0% | GrowthRev=+21.5%
EPS next Year (2027-12-31): EPS=7.28 | Chg30d=+0.00% | Revisions=-17% | GrowthEPS=+31.8% | GrowthRev=+9.2%
[Analyst] Revisions Ratio: -58% (up=1, down=8)