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Stewart Information Services Corp. (STC)
NYSE:STC
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.53Last Year’s EPS
0.25Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a broadly positive operational and financial progress narrative: significant revenue, profit and margin expansion in 2025 across title, agency and commercial businesses; strengthened balance sheet and strategic acquisition (MCS) to expand lender services; and multiple profitable growth initiatives (commercial expansion, agency commercial initiatives, and targeted M&A). Key challenges remain: a depressed existing-home-sales backdrop that pressures volumes and first-quarter seasonality, margin shortfalls in parts of Real Estate Solutions, and localized regulatory rate reductions (Texas) that pressure some agents. Management expects modest housing improvement in 2026 and sees continued upside from commercial momentum and acquired capabilities, while acknowledging risks to timing and pace of market recovery.Company Guidance
Strong Full-Year Financial Performance
Full year 2025 revenue grew 18%, net income grew 48%, and adjusted EPS grew 46% year-over-year. Adjusted pretax margin expanded to 6.8% from 5.8% the prior year.
Robust Fourth Quarter Results
Q4 revenue increased 20% year-over-year to $791 million. Reported Q4 net income was $36 million ($1.25 diluted EPS); adjusted Q4 net income was $48 million ($1.65 diluted EPS), a 50% increase versus prior-year adjusted results.
Title Segment Margin and Revenue Improvement
Title operating revenues rose $106 million (19%) in Q4. Title adjusted pretax income improved 35% to $68 million from $51 million and adjusted pretax margin increased to 10% from ~9% year-over-year.
Commercial Business Outperformance
All domestic commercial revenues grew 34% for the year. National commercial services grew 43% year-over-year and delivered a 49% increase in Q4. Average domestic commercial fee per file increased ~39% to ~$27,000 in Q4.
Agency and Direct Operations Growth
Agency services revenue grew ~21% for the year and 20% in Q4, with notable strength in Florida, Texas and New York. Direct operations main street commercial grew 17% for the year; direct operations grew 8% in Q4 despite a challenged residential market.
Real Estate Solutions Revenue Expansion
Real Estate Solutions revenues rose 22% year-over-year (29% in Q4). Q4 adjusted pretax income for the segment improved 47% to $10 million from $6 million, with Q4 adjusted pretax margin of 8.5% and a plan to reach low‑teens margin in 2026.
Strategic Acquisition and Product Expansion
Closed acquisition of Mortgage Contracting Services (MCS) in December to expand default and lender services; MCS reported ~ $165 million annual revenue and roughly $40 million EBITDA, expected to broaden cross-sell opportunities.
Strengthened Financial Flexibility and Capital Position
Upsized credit facility by $100 million to $300 million and completed an equity offering of 2.2 million shares raising $140 million. Total cash and investments were approximately $480 million in excess of statutory reserves; stockholders' equity ~$1.6 billion and book value of $54 per share (+$4 YoY).
Operational Efficiency and Cash Generation
Net cash provided by operations improved $22 million (32%). Employee cost ratio improved to 29% from 31% driven by revenue growth; other operating expense ratio remained ~25%.
Claims and Loss Performance
Fourth-quarter title loss ratio improved to 3.4% from 3.7% year-over-year, reflecting favorable claims experience. Management expects 2026 title losses to average in the 3.5%–4% range.
STC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
STC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $68.86 | $70.87 | +2.92% |
Oct 22, 2025 | $74.65 | $71.59 | -4.10% |
Jul 23, 2025 | $58.67 | $64.65 | +10.20% |
Apr 23, 2025 | $65.29 | $64.07 | -1.87% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Stewart Information Services Corp. (STC) report earnings?
Stewart Information Services Corp. (STC) is schdueled to report earning on Apr 29, 2026, After Close (Confirmed).
What is Stewart Information Services Corp. (STC) earnings time?
Stewart Information Services Corp. (STC) earnings time is at Apr 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is STC EPS forecast?
STC EPS forecast for the fiscal quarter 2026 (Q1) is 0.53.