Overview Dividends

(STC) Stewart Information - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8603721015

Title Insurance, Closing Services, Real Estate Transaction

STC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -32.17%
EPS Trend (3Y Correlation): 17.7%

STC Revenue

Revenue Growth (3Y CAGR): 0.29%
Revenue Trend (3Y Correlation): 25.1%

Description: STC Stewart Information

Stewart Information Services Corp (NYSE:STC) is a US-based property and casualty insurance company. The firms primary operations involve providing title insurance and other real estate-related services.

Key performance indicators (KPIs) to monitor for STC include revenue growth, net income margin, and return on equity (RoE). With a current RoE of 6.92%, the company is generating returns that are somewhat modest compared to industry averages. The price-to-earnings (P/E) ratio of 21.03 suggests that the stock is fairly valued relative to its earnings.

Economic drivers that impact STCs business include housing market trends, interest rates, and regulatory changes affecting the title insurance industry. As a title insurance provider, STC benefits from a strong housing market with increasing transaction volumes. Conversely, economic downturns or declining housing prices can negatively impact the companys revenue.

To evaluate STCs potential for future growth, its essential to analyze the companys ability to maintain its market share, expand its customer base, and adapt to changes in the competitive landscape. Additionally, monitoring the companys expense management and capital allocation strategies will be crucial in assessing its long-term profitability.

STC Stock Overview

Market Cap in USD	2,028m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1990-03-28

STC Stock Ratings

Growth Rating	49.5%
Fundamental	55.8%
Dividend Rating	68.7%
Return 12m vs S&P 500	-11.4%
Analyst Rating	3.0 of 5

STC Dividends

Dividend Yield 12m	2.89%
Yield on Cost 5y	5.11%
Annual Growth 5y	12.91%
Payout Consistency	80.7%
Payout Ratio	52.2%

STC Growth Ratios

Growth Correlation 3m	58.9%
Growth Correlation 12m	1.9%
Growth Correlation 5y	53.1%
CAGR 5y	23.34%
CAGR/Max DD 3y (Calmar Ratio)	0.82
CAGR/Mean DD 3y (Pain Ratio)	2.67
Sharpe Ratio 12m	-0.70
Alpha	-11.68
Beta	0.975
Volatility	28.69%
Current Volume	176k
Average Volume 20d	120k
Stop Loss	67.9 (-3.1%)
Signal	-0.02

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (87.8m TTM) > 0 and > 6% of Revenue (6% = 160.1m TTM)

FCFTA 24.36 (>2.0%) and ΔFCFTA 2434 pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -20.67% (prev -7.96%; Δ -12.71pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 167.6m > Net Income 87.8m (YES >=105%, WARN >=100%)

Net Debt (397.7m) to EBITDA (207.3m) ratio: 1.92 <= 3.0 (WARN <= 3.5)

Current Ratio 0.00 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (28.3m) change vs 12m ago 1.16% (target <= -2.0% for YES)

Gross Margin 96.96% (prev -5476 %; Δ 5573 pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 98.33% (prev 88.47%; Δ 9.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 7.30 (EBITDA TTM 207.3m / Interest Expense TTM 20.0m) >= 6 (WARN >= 3)

Altman Z'' 1.48

(A) -0.20 = (Total Current Assets 2.09m - Total Current Liabilities 553.5m) / Total Assets 2.78b

(B) 0.39 = Retained Earnings (Balance) 1.10b / Total Assets 2.78b

(D) 1.08 = Book Value of Equity 1.44b / Total Liabilities 1.33b

Total Rating: 1.48 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 55.81

1. Piotroski 7.0pt = 2.0

2. FCF Yield data missing

3. FCF Margin data missing

4. Debt/Equity 0.40 = 2.42

5. Debt/Ebitda 1.92 = 0.16

6. ROIC - WACC (= -1.65)% = -2.06

7. RoE 6.22% = 0.52

8. Rev. Trend 25.09% = 1.88

9. EPS Trend 17.72% = 0.89

What is the price of STC shares?

As of October 16, 2025, the stock is trading at USD 70.06 with a total of 176,000 shares traded.
Over the past week, the price has changed by +3.56%, over one month by -5.16%, over three months by +24.07% and over the past year by +2.94%.

Is Stewart Information a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Stewart Information is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 55.81 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of STC is around 71.65 USD . This means that STC is currently overvalued and has a potential downside of 2.27%.

Is STC a buy, sell or hold?

Stewart Information has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold STC.

Strong Buy: 0
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the STC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	73	4.2%
Analysts Target Price	73	4.2%
ValueRay Target Price	79.3	13.1%

Last update: 2025-10-06 02:02

STC Fundamental Data Overview

Market Cap USD = 2.03b (2.03b USD * 1.0 USD.USD)
P/E Trailing = 23.218
P/S = 0.76
P/B = 1.4117
P/EG = 3.04
Beta = 0.975
Revenue TTM = 2.67b USD
EBIT TTM = 145.8m USD
EBITDA TTM = 207.3m USD
Long Term Debt = 446.0m USD (from longTermDebt, last quarter)
Short Term Debt = 41.9m USD (from shortTermDebt, last fiscal year)
Debt = 575.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 397.7m USD (from netDebt column, last quarter)
Enterprise Value = 2.43b USD (2.03b + Debt 575.8m - CCE 178.1m)
Interest Coverage Ratio = 7.30 (Ebit TTM 145.8m / Interest Expense TTM 20.0m)
FCF Yield = 2792 % (FCF TTM 67.74b / Enterprise Value 2.43b)
FCF Margin = 2539 % (FCF TTM 67.74b / Revenue TTM 2.67b)
Net Margin = 3.29% (Net Income TTM 87.8m / Revenue TTM 2.67b)
Gross Margin = 96.96% ((Revenue TTM 2.67b - Cost of Revenue TTM 81.1m) / Revenue TTM)
Gross Margin QoQ = 97.03% (prev 97.11%)
Tobins Q-Ratio = 0.87 (Enterprise Value 2.43b / Total Assets 2.78b)
Interest Expense / Debt = 0.86% (Interest Expense 4.96m / Debt 575.8m)
Taxrate = 23.82% (11.1m / 46.8m)
NOPAT = 111.1m (EBIT 145.8m * (1 - 23.82%))
Current Ratio = 0.00 (Total Current Assets 2.09m / Total Current Liabilities 553.5m)
Debt / Equity = 0.40 (Debt 575.8m / totalStockholderEquity, last quarter 1.44b)
Debt / EBITDA = 1.92 (Net Debt 397.7m / EBITDA 207.3m)
Debt / FCF = 0.01 (Net Debt 397.7m / FCF TTM 67.74b)
Total Stockholder Equity = 1.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.16% (Net Income 87.8m / Total Assets 2.78b)
RoE = 6.22% (Net Income TTM 87.8m / Total Stockholder Equity 1.41b)
RoCE = 7.85% (EBIT 145.8m / Capital Employed (Equity 1.41b + L.T.Debt 446.0m))
RoIC = 5.98% (NOPAT 111.1m / Invested Capital 1.86b)
WACC = 7.63% (E(2.03b)/V(2.60b) * Re(9.61%) + D(575.8m)/V(2.60b) * Rd(0.86%) * (1-Tc(0.24)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.05%
[DCF Debug] Terminal Value 70.90% ; FCFE base≈40.66b ; Y1≈36.74b ; Y5≈31.82b
Fair Price DCF = 15.8k (DCF Value 441.96b / Shares Outstanding 28.0m; 5y FCF grow -11.98% → 3.0% )
EPS Correlation: 17.72 | EPS CAGR: -32.17% | SUE: -4.0 | # QB: 0
Revenue Correlation: 25.09 | Revenue CAGR: 0.29% | SUE: 2.34 | # QB: 1

Additional Sources for STC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle