insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

STC · Stewart Information Services Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · STC

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$2.92B$2.49B$2.26B$3.07B$3.31B$2.29B
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$61.07M$61.61M$62.45M$57.18M$36.39M$19.22M
Operating Income$165.57M$114.31M$60.86M$232.65M$433.97M$218.50M
Interest Expense--$19.74M$18.40M$5.03M$2.62M
Income Tax$35.41M$26.16M$15.26M$50.86M$93.99M$48.83M
Net Income$115.53M$73.31M$30.44M$162.31M$323.22M$154.91M
EPS - Basic$4.12$2.65$1.12$6.00$12.05$6.25
EPS - Diluted$4.05$2.61$1.11$5.94$11.90$6.22

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$321.77M$216.30M$233.37M$248.37M$485.92M$432.68M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$3.25B$2.73B$2.70B$2.74B$2.81B$1.98B
Current Liabilities------
Long-term Debt-$445.84M$445.29M$447.01M$483.49M$101.77M
Total Liabilities$1.60B$1.32B$1.32B$1.37B$1.52B$966.17M
Stockholders' Equity$1.64B$1.40B$1.37B$1.36B$1.28B$1.01B
Retained Earnings$1.15B$1.09B$1.07B$1.09B$974.80M$688.82M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$205.69M$135.61M$83.04M$191.86M$390.29M$275.81M
Investing Cash Flow($368.58M)($87.26M)($29.97M)($300.67M)($645.28M)($231.37M)
Financing Cash Flow$265.21M($60.96M)($69.10M)($123.22M)$310.37M$54.30M
CapEx$73.41M$40.47M$37.79M$47.95M$39.80M$14.99M
Free Cash Flow$132.28M$95.14M$45.25M$143.91M$350.49M$260.81M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin5.7%4.6%2.7%7.6%13.1%9.5%
EBITDA margin7.8%7.1%5.5%9.4%14.2%10.4%
Net margin4.0%2.9%1.3%5.3%9.8%6.8%
Free cash flow margin4.5%3.8%2.0%4.7%10.6%11.4%
FCF / Net income1.141.301.490.891.081.68
R&D / Revenue------
SG&A / Revenue------
Effective tax rate23.5%26.3%33.4%23.9%22.5%24.0%
Return on assets3.6%2.7%1.1%5.9%11.5%7.8%
Return on equity7.0%5.2%2.2%11.9%25.2%15.4%
Return on invested capital-4.6%2.2%9.8%19.0%15.0%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity-0.320.320.330.380.10
Debt / Assets-0.160.160.160.170.05
Debt / EBITDA-2.533.611.541.030.43
Interest coverage--3.1x12.6x86.3x83.3x
Equity multiplier1.981.951.972.012.191.97
Liabilities / Assets0.490.480.490.500.540.49
Efficiency
Asset turnover0.900.910.841.121.181.16
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E17.3x25.9x52.9x7.2x6.7x7.8x
P / B1.2x1.4x1.2x0.9x1.7x1.2x
P / S0.7x0.8x0.7x0.4x0.7x0.5x
EV / EBITDA7.4x12.1x14.8x4.7x4.6x3.7x
Growth
Revenue growth (YoY)17.3%10.3%-26.5%-7.2%44.5%18.0%
Revenue CAGR (3y)-1.6%-9.0%-0.5%16.5%20.1%5.4%
Revenue CAGR (5y)5.0%5.1%3.4%9.4%10.5%2.4%
Gross profit growth (YoY)------
Operating income growth (YoY)44.8%87.8%-73.8%-46.4%98.6%86.8%
Net income growth (YoY)57.6%140.8%-81.2%-49.8%108.7%97.0%
EPS growth (YoY)55.2%135.1%-81.3%-50.1%91.3%87.9%
EPS CAGR (3y)-12.0%-39.7%-43.7%21.5%80.9%44.5%
EPS CAGR (5y)-8.2%-4.6%-11.2%23.6%45.1%-
FCF growth (YoY)39.0%110.3%-68.6%-58.9%34.4%74.7%
FCF CAGR (5y)-12.7%-8.6%-9.2%9.4%27.3%33.8%
Book value growth (YoY)17.0%2.2%0.7%6.3%27.5%34.5%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$2.92B total
Title Segment$2.48B · 85.0%
Real Estate Solutions Segment$438.37M · 15.0%
Corporate$1.25M · 0.0%

Product / service

$438.25M total
Real Estate Solutions And Other$438.25M · 100.0%

Geographic

$2.92B total
US$2.77B · 94.6%
Non Us$156.43M · 5.4%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✗No share dilution
  • -Gross margin improved
  • ✗Asset turnover improved

Peer comparison

Same SIC group: Title Insurance

CompanyRevenue (last FY)Net marginROE
FAF$7.45B8.3%11.3%
FNF$14.45B4.2%8.1%
DOMA---
ITIC$272.75M12.9%13.1%
ARGO---

Comparing STEWART INFORMATION SERVICES CORP against the 5 most active filers in the same SIC group.

Dividends

$2.08/share trailing 12 months · +5.1% YoY

Ex-datePer share
Mar 16, 2026$0.5250
Dec 15, 2025$0.5250
Sep 16, 2025$0.5250
Jun 16, 2025$0.5000
Mar 17, 2025$0.5000
Dec 16, 2024$0.5000
Sep 16, 2024$0.5000
Jun 17, 2024$0.4750
Mar 14, 2024$0.4750
Dec 14, 2023$0.4750
Sep 14, 2023$0.4750
Jun 14, 2023$0.4500
Mar 14, 2023$0.4500
Dec 14, 2022$0.4500
Sep 14, 2022$0.4500
Jun 14, 2022$0.3750
Mar 14, 2022$0.3750
Dec 14, 2021$0.3750
Sep 14, 2021$0.3300
Jun 14, 2021$0.3300
Mar 12, 2021$0.3300
Dec 14, 2020$0.3000
Sep 14, 2020$0.3000
Jun 12, 2020$0.3000