Stewart Information Services (STC) AI Stock Analysis

• Market Cap: $1.72B
• Dividend Yield: 3.21%
• Average Volume (3M): 160.61K
• Price to Earnings (P/E): 23.6
• Beta (1Y): 0.76
• Revenue Growth: 11.40%
• EPS Growth: 73.12%
• Country: US
• Employees: 6,800
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.25
• Shares Outstanding: 27,919,415
• 10 Day Avg. Volume: 219,508
• 30 Day Avg. Volume: 160,612
• PEG Ratio: N/A
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.03
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 0.27
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 3.58
• 1Y Price Target: $75.00
• Price Target Upside: 20.71% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: $66.00 ▲(6.23%Upside)

The overall stock score of 65.5 reflects a stable financial position and positive earnings outlook, despite technical weaknesses and valuation concerns. The company's strategic growth initiatives and dividend declaration provide support for future performance.

Stewart Information Services Business Overview & Revenue Model

Company Description

Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. The company operates in two segments, Title, and Ancillary Services and Corporate. The Title segment is involved in searching, examining, closing, and insuring the condition of the title to real property. This segment also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders, as well as mortgage lenders, servicers, brokers, and investors. The company operates in the United States, Canada, the United Kingdom, and Australia. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.

How the Company Makes Money

Stewart Information Services Corporation generates revenue through various channels primarily centered around its title insurance and real estate transaction services. The core revenue stream for STC is the underwriting and issuance of title insurance policies, which protect lenders and property buyers from financial losses related to title defects. Additional revenue is derived from escrow and settlement services, where Stewart acts as a neutral third party to manage the exchange of funds and documents between parties in a real estate transaction. The company also offers ancillary services, such as property information and appraisal services, which contribute to its income. Significant partnerships with real estate professionals and financial institutions enhance its market reach and service offerings, boosting its overall earnings.

Stewart Information Services Financial Statement Overview

Summary

Stewart Information Services presents a stable financial profile with strong cash flow management and a solid equity position. Profitability metrics show some volatility, and there are leverage concerns, but these are offset by a robust equity foundation.

Income Statement

STC shows a mixed income statement performance with fluctuating revenues. The Gross Profit Margin appears strong, indicating effective cost control. However, the Net Profit Margin and EBIT Margin have exhibited volatility, suggesting variable operational efficiency. The revenue growth has been inconsistent, indicating challenges in sustaining growth momentum.

Balance Sheet

The balance sheet reflects a strong equity position with a favorable Equity Ratio, highlighting financial stability. However, the Debt-to-Equity Ratio is relatively high, pointing to potential leverage risks. The Return on Equity is modest, indicating stable but not exceptional profitability.

Cash Flow

Cash flow management is a strength for STC, with consistent Free Cash Flow and positive Operating Cash Flow to Net Income Ratio. The Free Cash Flow Growth Rate is positive, suggesting good cash generation capabilities, although fluctuations in capital expenditures indicate variable investment strategies.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.86B	2.49B	2.26B	3.07B	3.31B	2.29B
	Gross Profit
732.67B	2.49B	1.97B	2.42B	2.68B	1.91B
	EBIT
80.34M	134.22M	80.60M	251.06M	433.97M	203.74M
	EBITDA
168.85M	195.84M	143.04M	308.23M	439.00M	221.13M
	Net Income Common Stockholders
73.26M	73.31M	30.44M	162.31M	323.22M	154.91M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
430.62M	257.50M	223.37M	272.69M	503.57M	453.36M
	Total Assets
2.04B	2.73B	2.70B	2.74B	2.81B	1.98B
	Total Debt
248.69M	564.68M	580.94M	595.01M	632.91M	220.86M
	Net Debt
-164.07M	348.38M	347.58M	346.64M	146.99M	-211.82M
	Total Liabilities
994.91M	1.32B	1.32B	1.37B	1.52B	966.17M
	Stockholders Equity
1.04B	1.40B	1.37B	1.36B	1.28B	1.01B
Cash Flow		Free Cash Flow
67.71B	95.14M	45.25M	143.91M	350.49M	260.81M
	Operating Cash Flow
67.72B	135.61M	83.04M	191.86M	390.29M	275.81M
	Investing Cash Flow
-59.89M	-87.26M	-29.97M	-300.67M	-645.28M	-231.37M
	Financing Cash Flow
-62.83M	-60.96M	-69.10M	-123.22M	310.37M	54.30M

Stewart Information Services Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 62.13
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For STC, the sentiment is Negative. The current price of 62.13 is below the 20-day moving average (MA) of 62.29, below the 50-day MA of 64.59, and below the 200-day MA of 68.33, indicating a bearish trend. The MACD of -1.11 indicates Negative momentum. The RSI at 47.20 is Neutral, neither overbought nor oversold. The STOCH value of 87.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for STC.

Stewart Information Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UFCS	79 Outperform	$722.55M	11.18	8.51%	2.25%	14.60%	―
UVE	78 Outperform	$772.85M	12.02	16.95%	2.33%	7.24%	-9.28%
HCI	78 Outperform	$1.94B	16.28	28.75%	0.95%	20.89%	3.25%
SAFT	75 Outperform	$1.19B	16.37	8.75%	4.50%	19.05%	40.69%
STC	66 Neutral	$1.72B	23.65	5.31%	3.21%	11.40%	73.12%
Sector *	64 Neutral	$12.83B	9.78	7.78%	16985.64%	12.26%	-7.81%
ACIC	61 Neutral	$528.02M	7.21	31.11%	―	12.19%	5.12%

Stewart Information Services Corporate Events

Stewart Information Services Declares Q2 2025 Cash Dividend

On June 2, 2025, Stewart Information Services Corporation announced that its Board of Directors declared a cash dividend of $0.50 per share for the second quarter of 2025. The dividend is payable on June 30, 2025, to stockholders of record as of June 16, 2025, reflecting the company’s commitment to returning value to its shareholders.

The most recent analyst rating on (STC) stock is a Buy with a $81.00 price target. To see the full list of analyst forecasts on Stewart Information Services stock, see the STC Stock Forecast page.

Stewart Information Services Holds 2025 Annual Meeting

On May 7, 2025, Stewart Information Services Corporation held its 2025 Annual Meeting of Stockholders, where three key proposals were addressed. The stockholders elected ten directors to serve until the 2026 Annual Meeting, approved the executive compensation on a non-binding advisory basis, and ratified the appointment of KPMG LLP as the independent registered public accounting firm for 2025.