STC Stock Analysis: Stewart Information | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.955m USD | 12M Return: 3.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.7M
EPS Trend: 97.3%
Qual. Beats: -1
Rev. Trend: 96.3%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 140.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -2.43k > 1.0 |
| NWC/Revenue: 16.4k% < 20% (prev -6.20%; Δ 16.4k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 231.1m > Net Income 140.4m |
| Current Ratio: 689.4 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.9m) vs 12m ago 8.88% < -2% |
| Gross Margin: 89.02% > 18% (prev 96.96%; Δ -7.94% > 0.5%) |
| Asset Turnover: 0.26% > 50% (prev 95.93%; Δ -95.67% > 0%) |
| Interest Coverage Ratio: 8.78 > 6 (EBIT TTM 179.4m / Interest Expense TTM 20.4m) |
| A: 0.21 (Total Current Assets 536b - Total Current Liabilities 777.8m) / Total Assets 2490b |
| B: 0.47 (Retained Earnings 1167b / Total Assets 2490b) |
| C: 0.00 (EBIT TTM 179.4m / Avg Total Assets 1247b) |
| D: 2.01 (Book Value of Equity 1663b / Total Liabilities 827b) |
| Altman-Z'' = 5.05 = AAA |
| DSRI: 3.0 (Receivables 228b/166.1m, Revenue 3.27b/2.67b) |
| GMI: 1.09 (GM 96.96% / 89.02%) |
| AQI: 0.83 (AQ_t 0.65 / AQ_t-1 0.79) |
| SGI: 1.22 (Revenue 3.27b / 2.67b) |
| TATA: -0.00 (NI 140.4m - CFO 231.1m) / TA 2490b) |
| Beneish M = -1.24 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 66.34 with a total of 252,166 shares traded. Over the past week, the price has changed by -4.94%, over one month by -0.93%, over three months by -6.92% and over the past year by +3.61%.
Current recommended Stop Loss: 63.20 (which is 4.7% 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 | 83 | 25.1% |
P/E Trailing = 15.5193
P/E Forward = 18.5529
P/S = 0.5975
P/B = 1.1753
P/EG = 3.7125
Revenue TTM = 3.27b USD
EBIT TTM = 179.4m USD
EBITDA TTM = 240.5m USD
Long Term Debt = 646.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 200.0m USD (from shortTermDebt, last fiscal year)
Debt = 647b USD (from shortLongTermDebtTotal, last quarter) + Leases 123.9m
Net Debt = 338b USD (calculated: Debt 647b - CCE 309b)
Enterprise Value = 340b USD (1.95b + Debt 647b - CCE 309b)
Interest Coverage Ratio = 8.78 (Ebit TTM 179.4m / Interest Expense TTM 20.4m)
EV/FCF = 1000.0x (Enterprise Value 340b / FCF TTM 153.6m)
FCF Yield = 0.05% (FCF TTM 153.6m / Enterprise Value 340b)
FCF Margin = 4.70% (FCF TTM 153.6m / Revenue TTM 3.27b)
Net Margin = 4.30% (Net Income TTM 140.4m / Revenue TTM 3.27b)
Gross Margin = 89.02% ((Revenue TTM 3.27b - Cost of Revenue TTM 358.7m) / Revenue TTM)
Gross Margin QoQ = none% (prev 62.30%)
Tobins Q-Ratio = 0.14 (Enterprise Value 340b / Total Assets 2490b)
Interest Expense / Debt = 0.00% (Interest Expense 20.4m / Debt 647b)
Taxrate = 21.38% (35.4m / 165.5m)
NOPAT = 141.0m (EBIT 179.4m * (1 - 21.38%))
Current Ratio = 689.4 (out of range, set to none) (Total Current Assets 536b / Total Current Liabilities 777.8m)
Debt / Equity = 0.39 (Debt 647b / totalStockholderEquity, last quarter 1663b)
Debt / EBITDA = 1.41k (out of range, set to none) (Net Debt 338b / EBITDA 240.5m)
Debt / FCF = 2.20k (out of range, set to none) (Net Debt 338b / FCF TTM 153.6m)
Total Stockholder Equity = 417b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.01% (Net Income 140.4m / Total Assets 2490b)
RoE = 0.03% (Net Income TTM 140.4m / Total Stockholder Equity 417b)
RoCE = 0.04% (EBIT 179.4m / Capital Employed (Equity 417b + L.T.Debt 646.6m))
RoIC = 0.01% (NOPAT 141.0m / Invested Capital 2490b)
WACC = 0.03% (E(1.95b)/V(649b) * Re(7.54%) + D(647b)/V(649b) * Rd(0.00%) * (1-Tc(0.21)))
Discount Rate = 7.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.02 | Cagr: 4.36%
[DCF] Terminal Value 73.10% ; FCFF base≈27.2b ; Y1≈23.8b ; Y5≈19.3b
[DCF] Fair Price = N/A (negative equity: EV 309b - Net Debt 338b = -29.3b; debt exceeds intrinsic value)
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=1.80 | Chg30d=-4.42% | Revisions=-25% | Analysts=3
EPS current Year (2026-12-31): EPS=5.95 | Chg30d=-3.36% | Revisions=-25% | GrowthEPS=+21.7% | GrowthRev=+18.1%
EPS next Year (2027-12-31): EPS=7.38 | Chg30d=-2.29% | Revisions=-25% | GrowthEPS=+24.0% | GrowthRev=+7.5%
[Analyst] Revisions Ratio: -50% (up=0, down=3)