STC Stock Analysis: Stewart Information | NYSE

Insurance - Property & Casualty | NYSE, USA | Market Cap: 2.068m USD | 12M Return: 8.3% | Charts, Fundamentals & Technical Analysis

Title Insurance, Real Estate Services, Appraisal Management, Online Notarization
Total Rating 48
Safety 78
Buy Signal -0.52
Insurance - Property & Casualty
Industry Rotation: +7.9
Market Cap: 2.07B
Avg Turnover: 15.4M
Risk 3d forecast
Volatility29.1%
VaR 5th Pctl4.84%
VaR vs Median0.86%
Reward TTM
Sharpe Ratio0.28
Rel. Str. IBD38.6
Rel. Str. Peer Group33.7
Character TTM
Beta0.379
Beta Downside0.343
Hurst Exponent0.476
Drawdowns 3y
Max DD24.70%
CAGR/Max DD0.79
CAGR/Mean DD2.51
EPS (Earnings per Share) EPS (Earnings per Share) of STC over the last years for every Quarter: "2021-06": 3.17, "2021-09": 3.17, "2021-12": 2.94, "2022-03": 2.03, "2022-06": 2.58, "2022-09": 1.37, "2022-12": 0.6, "2023-03": -0.25, "2023-06": 0.69, "2023-09": 0.6, "2023-12": 0.28, "2024-03": 0.17, "2024-06": 0.91, "2024-09": 1.17, "2024-12": 1.12, "2025-03": 0.25, "2025-06": 1.34, "2025-09": 1.64, "2025-12": 1.65, "2026-03": 0.55,
EPS CAGR: 57.70%
EPS Trend: 89.7%
Last SUE: 1.17
Qual. Beats: 4
Revenue Revenue of STC over the last years for every Quarter: 2021-06: 818.809, 2021-09: 836.727, 2021-12: 961.671, 2022-03: 852.916, 2022-06: 844.073, 2022-09: 716.399, 2022-12: 655.909, 2023-03: 524.305, 2023-06: 549.154, 2023-09: 601.714, 2023-12: 582.169, 2024-03: 554.315, 2024-06: 602.23, 2024-09: 667.941, 2024-12: 665.932, 2025-03: 611.984, 2025-06: 722.181, 2025-09: 796.916, 2025-12: 790.6, 2026-03: 781.307,
Rev. CAGR: 10.54%
Rev. Trend: 88.9%
Last SUE: 0.57
Qual. Beats: 0

Warnings

Choppy

Tailwinds

No distinct edge detected

Seasonality 10.5 years of data

Jan -0.7% 2
Feb -1.8% 25
Mar -0.5% 13
Apr +1.8% 0
May -0.7% 23
Jun -0.1% 13
Jul +1.7% 22
Aug -1.7% 2
Sep -0.8% 12
Oct -2.4% 9
Nov +5.8% 38
Dec +4.9% 9

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.

Description: STC Stewart Information

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.

Headlines to Watch Out For
  • Existing home sales rebound boosts title order volume
  • Mortgage rate cuts drive purchase and refinance transactions
  • Capital returns expand through buybacks and dividends
Piotroski VR-10 (Strict) 4.0
Net Income: 129.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.05 > 0.02 and ΔFCF/TA -2.50k > 1.0
NWC/Revenue: -1.17% < 20% (prev -7.42%; Δ 6.25% < -1%)
CFO/TA 0.07 > 3% & CFO 231.1m > Net Income 129.4m
Net Debt (577.0m) to EBITDA (263.4m): 2.19 < 3
Current Ratio: 0.94 > 1.5 & < 3
Outstanding Shares: last quarter (30.8m) vs 12m ago 8.71% < -2%
Gross Margin: 79.44% > 18% (prev 96.83%; Δ -17.39% > 0.5%)
Asset Turnover: 104.0% > 50% (prev 94.13%; Δ 9.86% > 0%)
Interest Coverage Ratio: 8.69 > 6 (EBIT TTM 200.8m / Interest Expense TTM 23.1m)
Altman Z'' 2.61
A: -0.01 (Total Current Assets 533.7m - Total Current Liabilities 569.8m) / Total Assets 3.24b
B: 0.35 (Retained Earnings 1.15b / Total Assets 3.24b)
C: 0.07 (EBIT TTM 200.8m / Avg Total Assets 2.97b)
D: 1.03 (Book Value of Equity 1.64b / Total Liabilities 1.59b)
Altman-Z'' = 2.61 = A
Beneish M -2.61
DSRI: 1.13 (Receivables 216.2m/157.2m, Revenue 3.09b/2.55b)
GMI: 1.22 (GM 96.83% / 79.44%)
AQI: 0.93 (AQ_t 0.75 / AQ_t-1 0.80)
SGI: 1.21 (Revenue 3.09b / 2.55b)
TATA: -0.03 (NI 129.4m - CFO 231.1m) / TA 3.24b)
Beneish M = -2.61 (Cap -4..+1) = A
What is the price of STC shares?

As of July 10, 2026, the stock is trading at USD 67.96 with a total of 165,358 shares traded. Over the past week, the price has changed by +0.56%, over one month by +3.63%, over three months by +5.00% and over the past year by +8.29%.

Current recommended Stop Loss: 64.10 (which is 5.7% or 1.9 ATR below the current price).

Is STC a buy, sell or hold?

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

What are the forecasts/targets for the STC price?
Analysts Target Price 81.7 20.2%
Stewart Information (STC) - Fundamental Data Overview as of 04 July 2026
Market Cap USD = 2.07b (2.07b USD * 1.0 USD.USD)
P/E Trailing = 15.1359
P/E Forward = 18.5529
P/S = 0.6679
P/B = 1.2554
P/EG = 3.7125
Revenue TTM = 3.09b USD
EBIT TTM = 200.8m USD
EBITDA TTM = 263.4m USD
Long Term Debt = 646.7m USD (from longTermDebt, last quarter)
Short Term Debt = 200.0m USD (from shortTermDebt, last fiscal year)
Debt = 894.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 123.9m
Net Debt = 577.0m USD (calculated: Debt 894.5m - CCE 317.5m)
Enterprise Value = 2.64b USD (2.07b + Debt 894.5m - CCE 317.5m)
Interest Coverage Ratio = 8.69 (Ebit TTM 200.8m / Interest Expense TTM 23.1m)
EV/FCF = 17.22x (Enterprise Value 2.64b / FCF TTM 153.6m)
FCF Yield = 5.81% (FCF TTM 153.6m / Enterprise Value 2.64b)
FCF Margin = 4.97% (FCF TTM 153.6m / Revenue TTM 3.09b)
Net Margin = 4.19% (Net Income TTM 129.4m / Revenue TTM 3.09b)
Gross Margin = 79.44% ((Revenue TTM 3.09b - Cost of Revenue TTM 635.6m) / Revenue TTM)
Gross Margin QoQ = 62.30% (prev 62.05%)
Tobins Q-Ratio = 0.82 (Enterprise Value 2.64b / Total Assets 3.24b)
Interest Expense / Debt = 2.58% (Interest Expense 23.1m / Debt 894.5m)
Taxrate = 21.54% (39.5m / 183.3m)
NOPAT = 157.5m (EBIT 200.8m * (1 - 21.54%))
Current Ratio = 0.94 (Total Current Assets 533.7m / Total Current Liabilities 569.8m)
Debt / Equity = 0.55 (Debt 894.5m / totalStockholderEquity, last quarter 1.64b)
Debt / EBITDA = 2.19 (Net Debt 577.0m / EBITDA 263.4m)
Debt / FCF = 3.76 (Net Debt 577.0m / FCF TTM 153.6m)
Total Stockholder Equity = 1.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.35% (Net Income 129.4m / Total Assets 3.24b)
RoE = 8.36% (Net Income TTM 129.4m / Total Stockholder Equity 1.55b)
RoCE = 9.15% (EBIT 200.8m / Capital Employed (Equity 1.55b + L.T.Debt 646.7m))
RoIC = 5.80% (NOPAT 157.5m / Invested Capital 2.71b)
WACC = 5.72% (E(2.07b)/V(2.96b) * Re(7.32%) + D(894.5m)/V(2.96b) * Rd(2.58%) * (1-Tc(0.22)))
Discount Rate = 7.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 4.76%
[DCF] Terminal Value 73.10% ; FCFF base≈27.2b ; Y1≈23.8b ; Y5≈19.3b
[DCF] Fair Price = 10.1k (EV 309b - Net Debt 577.0m = Equity 308b / Shares 30.4m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 89.74 | EPS CAGR: 57.70% | SUE: 1.17 | # QB: 4
Revenue Correlation: 88.95 | Revenue CAGR: 10.54% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.65 | Chg30d=-2.75% | Revisions=-17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.82 | Chg30d=-3.36% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=6.02 | Chg30d=-2.27% | Revisions=+50% | GrowthEPS=+23.1% | GrowthRev=+18.2%
EPS next Year (2027-12-31): EPS=7.43 | Chg30d=-1.63% | Revisions=+25% | GrowthEPS=+23.5% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: +31% (up=7, down=3)