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    Stewart Information Services (STC)

    Market Price (7/26/2026): $67.435 | Market Cap: $2.0 BilSector: Financials | Industry: Property & Casualty Insurance

    Stewart Information Services (STC)

    Market Price (7/26/2026): $67.435
    Market Cap: $2.0 Bil
    Sector: Financials
    Industry: Property & Casualty Insurance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 7.5%

    Low stock price volatility
    Vol 12M is 32%

    Megatrend and thematic drivers
    Megatrends include Smart Buildings & Proptech. Themes include Real Estate Data Analytics.

    Weak multi-year price returns
    2Y Excs Rtn is -33%

    Key risks
    STC key risks include [1] the potential for technological advancements to disrupt its traditional business model and relationships with independent agents and [2] possible downgrades by rating agencies that could impact customer retention and new business acquisition.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 7.5%
    1 Low stock price volatility
    Vol 12M is 32%
    2 Megatrend and thematic drivers
    Megatrends include Smart Buildings & Proptech. Themes include Real Estate Data Analytics.
    3 Weak multi-year price returns
    2Y Excs Rtn is -33%
    4 Key risks
    STC key risks include [1] the potential for technological advancements to disrupt its traditional business model and relationships with independent agents and [2] possible downgrades by rating agencies that could impact customer retention and new business acquisition.

    STC in ETFs

    Weight = STC's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.07%
    IJR0.12%
    IJS0.23%
    SLYV0.23%
    VIOV0.22%
    NUSC0.16%
    +9 more covered ETFs

    Valuation & Metrics

    FYE: 12/31STC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$3.1 Bil—
    FY 2026 Sales$3.5 Bil—
    FY 2027 Sales$3.7 Bil—
    FY 2026 Sales Growth11.7%—
    FY 2027 Sales Growth7.5%13.3%
    EARNINGS
    LTM Net Income (GAAP) [3]$129.4 Mil—
    FY 2026 Net Income (Non-GAAP)$169.4 Mil—
    FY 2027 Net Income (Non-GAAP)$208.8 Mil—
    FY 2027 Net Income Growth23.3%19.6%
    FY 2026 EPS (Non-GAAP)$5.83—
    FY 2027 EPS (Non-GAAP)$7.19—
    FY 2027 EPS Growth23.3%—
    VALUATION
    FY 2026 P/S0.61.6
    FY 2027 P/S0.6—
    FY 2026 P/E12.17.6
    FY 2027 P/E9.8—

    [1] STC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 7/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    STCS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)3.1
    Rev Chg Q27.7%9.1%
    Rev Chg LTM21.3%7.8%
    Rev Chg 3Y Avg5.4%5.9%
    PROFITABILITYVERY POOR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM7.5%21.5%
    Net Inc Mgn4.2%13.0%
    VALUATIONLOW
    P/S0.73.3
    P/CFO8.815.1
    P/FCF13.319.9
    P/E15.824.2

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employeesapproximately 7,00012312024Link
    Title Insurance Market Share9.2%12312024Link
    Opened Commercial Orders Growth (year-over-year)23%9302025Link
    Refinance Orders Growth (year-over-year)7%9302025Link
    Closed Commercial Orders Growth (year-over-year)18%9302025Link

    Price Chart

    Recent
    7/22/2026Earnings ReleaseRev: $895 Mil (A) vs. $838 Mil (E)
    EPS: 1.39 (A) vs. $1.63 (E)
    Upcoming
    10/28/2026Earnings ReleaseRev: $903 Mil (E)
    EPS: $1.74 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 7/24/2026

    Stewart Information Services (STC) stock has gained about 10% since 3/31/2026 because of the following key factors:

    1. Stewart Information Services reported robust total revenue growth in fiscal Q2 2026, exceeding analyst expectations. The company's total revenues increased by 25% year-over-year to $899.2 million in fiscal Q2 2026 (ending June 30, 2026), compared to $722.2 million in fiscal Q2 2025. This performance surpassed analyst forecasts of $840.6 million for the quarter.

    2. The Real Estate Solutions segment demonstrated exceptional expansion. In fiscal Q2 2026, this segment saw its revenues jump by 75% year-over-year. Adjusted pretax income for Real Estate Solutions more than doubled to $27 million, up from $12 million in the prior year, primarily driven by the acquisition of MCS and higher revenues from credit information and valuation services.

    Show more
    Updated on 7/24/2026

    Stewart Information Services (STC) stock has gained about 10% since 3/31/2026 because of the following key factors:

    1. Stewart Information Services reported robust total revenue growth in fiscal Q2 2026, exceeding analyst expectations. The company's total revenues increased by 25% year-over-year to $899.2 million in fiscal Q2 2026 (ending June 30, 2026), compared to $722.2 million in fiscal Q2 2025. This performance surpassed analyst forecasts of $840.6 million for the quarter.

    2. The Real Estate Solutions segment demonstrated exceptional expansion. In fiscal Q2 2026, this segment saw its revenues jump by 75% year-over-year. Adjusted pretax income for Real Estate Solutions more than doubled to $27 million, up from $12 million in the prior year, primarily driven by the acquisition of MCS and higher revenues from credit information and valuation services.

    3. The core Title segment maintained strong performance, particularly in commercial business. Operating revenues for the Title segment increased by 15% in fiscal Q2 2026. This growth was notably supported by strong contributions from both the agency and domestic commercial businesses, with domestic commercial title revenues increasing by 20% to $89.8 million.

    4. Improving U.S. housing market fundamentals provided a favorable macroeconomic backdrop. During fiscal Q2 2026, the U.S. real estate market showed strengthening momentum with existing home sales reaching approximately 4.17 million, marking the strongest quarterly performance since 2025. The average days on market for homes also declined to 53 days from 57 in the previous quarter, indicating a healthier and more active marketplace.

    5. Positive analyst sentiment and reiterated price targets contributed to investor confidence. Several analyst firms issued or maintained "Buy" or "Overweight" ratings for Stewart Information Services during the period. For instance, Benchmark initiated coverage with a "Buy" rating and a price target of $87.00 on July 21, 2026, reflecting a positive outlook on the company's growth potential.

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    Stock Movement Drivers

    Fundamental Drivers

    The 10.4% change in STC stock from 3/31/2026 to 7/25/2026 was primarily driven by a 5.9% change in the company's Net Income Margin (%).
    (LTM values as of)33120267252026Change
    Stock Price ($)61.0867.4210.4%
    Change Contribution By: 
    Total Revenues ($ Mil)2,9223,0915.8%
    Net Income Margin (%)4.0%4.2%5.9%
    P/E Multiple15.115.84.7%
    Shares Outstanding (Mil)2930-5.9%
    Cumulative Contribution10.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 7/25/2026
    ReturnCorrelation
    STC10.4% 
    Market (SPY)13.6%2.8%
    Sector (XLF)14.1%38.0%

    Fundamental Drivers

    The -2.5% change in STC stock from 12/31/2025 to 7/25/2026 was primarily driven by a -16.8% change in the company's P/E Multiple.
    (LTM values as of)123120257252026Change
    Stock Price ($)69.1367.42-2.5%
    Change Contribution By: 
    Total Revenues ($ Mil)2,7973,09110.5%
    Net Income Margin (%)3.6%4.2%14.8%
    P/E Multiple19.015.8-16.8%
    Shares Outstanding (Mil)2830-7.6%
    Cumulative Contribution-2.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    12/31/2025 to 7/25/2026
    ReturnCorrelation
    STC-2.5% 
    Market (SPY)8.7%16.0%
    Sector (XLF)3.3%41.0%

    Fundamental Drivers

    The 6.8% change in STC stock from 6/30/2025 to 7/25/2026 was primarily driven by a 45.6% change in the company's Net Income Margin (%).
    (LTM values as of)63020257252026Change
    Stock Price ($)63.1467.426.8%
    Change Contribution By: 
    Total Revenues ($ Mil)2,5483,09121.3%
    Net Income Margin (%)2.9%4.2%45.6%
    P/E Multiple24.015.8-34.2%
    Shares Outstanding (Mil)2830-8.1%
    Cumulative Contribution6.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2025 to 7/25/2026
    ReturnCorrelation
    STC6.8% 
    Market (SPY)20.6%17.8%
    Sector (XLF)8.8%37.1%

    Fundamental Drivers

    The 79.9% change in STC stock from 6/30/2023 to 7/25/2026 was primarily driven by a 49.0% change in the company's P/E Multiple.
    (LTM values as of)63020237252026Change
    Stock Price ($)37.4767.4279.9%
    Change Contribution By: 
    Total Revenues ($ Mil)2,7413,09112.8%
    Net Income Margin (%)3.5%4.2%19.3%
    P/E Multiple10.615.849.0%
    Shares Outstanding (Mil)2730-10.2%
    Cumulative Contribution79.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2023 to 7/25/2026
    ReturnCorrelation
    STC79.9% 
    Market (SPY)72.6%30.7%
    Sector (XLF)74.5%45.6%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    STC Return69%-45%43%18%7%-7%58%
    Peers Return33%-14%25%16%9%-9%64%
    S&P 500 Return27%-19%24%23%16%8%97%

    Monthly Win Rates [3]
    STC Win Rate83%25%50%67%50%43% 
    Peers Win Rate60%38%57%52%53%46% 
    S&P 500 Win Rate75%42%67%75%67%43% 

    Max Drawdowns [4]
    STC Max Drawdown-14%-53%-29%-12%-21%-20% 
    Peers Max Drawdown-15%-35%-21%-16%-22%-29% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: FNF, FAF, ORI, ITIC, CSGP.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 7/24/2026 (YTD)

    How Low Can It Go

    EventSTCS&P 500
    2025 US Tariff Shock
      % Loss-12.2%-18.8%
      % Gain to Breakeven13.9%23.1%
      Time to Breakeven64 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-14.8%-9.5%
      % Gain to Breakeven17.3%10.5%
      Time to Breakeven9 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-21.0%-6.7%
      % Gain to Breakeven26.6%7.1%
      Time to Breakeven74 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-47.7%-24.5%
      % Gain to Breakeven91.4%32.4%
      Time to Breakeven634 days427 days
    2020 COVID-19 Crash
      % Loss-46.4%-33.7%
      % Gain to Breakeven86.4%50.9%
      Time to Breakeven131 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-10.6%-19.2%
      % Gain to Breakeven11.8%23.8%
      Time to Breakeven43 days105 days

    Compare to FNF, FAF, ORI, ITIC, CSGP

    In The Past

    Stewart Information Services's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventSTCS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-21.0%-6.7%
      % Gain to Breakeven26.6%7.1%
      Time to Breakeven74 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-47.7%-24.5%
      % Gain to Breakeven91.4%32.4%
      Time to Breakeven634 days427 days
    2020 COVID-19 Crash
      % Loss-46.4%-33.7%
      % Gain to Breakeven86.4%50.9%
      Time to Breakeven131 days140 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-21.2%-12.2%
      % Gain to Breakeven26.9%13.9%
      Time to Breakeven151 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-21.9%-17.9%
      % Gain to Breakeven28.1%21.8%
      Time to Breakeven64 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-43.2%-15.4%
      % Gain to Breakeven76.0%18.2%
      Time to Breakeven633 days125 days
    2008-2009 Global Financial Crisis
      % Loss-75.8%-53.4%
      % Gain to Breakeven312.7%114.4%
      Time to Breakeven1464 days1085 days

    Compare to FNF, FAF, ORI, ITIC, CSGP

    In The Past

    Stewart Information Services's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Stewart Information Services (STC)

    ```html

    Stewart Information Services Corporation (STC) is a long-standing company primarily engaged in providing title insurance and a comprehensive suite of services essential to real estate transactions. Its business is structured into two main segments: Title, and Ancillary Services and Corporate. These offerings support various stakeholders throughout the real estate lifecycle, ensuring smooth and secure property transfers.

    The core of STC's operations lies within its Title segment, which focuses on the critical process of verifying and insuring property ownership. This involves meticulously searching, examining, and closing on property titles, as well as issuing insurance policies that protect against potential title defects. In addition to these fundamental title services, this segment also provides home and personal insurance, facilitates tax-deferred exchanges, and offers digital platforms designed to enhance customer engagement. This segment's primary customer base includes homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders.

    Complementing its title operations, the Ancillary Services and Corporate segment broadens STC's offerings, particularly for the mortgage industry. Services here include appraisal management, online notarization and closing solutions, and the provision of vital credit and real estate information, search capabilities, and valuation services. This segment predominantly serves mortgage lenders, servicers, brokers, and investors. STC maintains an international presence, extending its services beyond the United States to Canada, the United Kingdom, and Australia, thereby supporting a wide array of clients across multiple geographies.

    ```

    AI Analysis | Feedback

    Here are a few analogies to describe Stewart Information Services (STC):

    • The **Allstate** or **Travelers** of real estate title insurance.

    • **H&R Block** for home sales and property transactions.

    AI Analysis | Feedback

    Stewart Information Services (STC) offers a range of products and services primarily focused on real estate transactions and title insurance:

    • Title Insurance and Transaction Services: Comprehensive services including searching, examining, closing, and insuring the condition of the title to real property.
    • Real Estate Information and Valuation Services: Provides credit, real estate information, search, and valuation services to the mortgage industry.
    • Digital Real Estate Platforms: Offers online notarization and closing services, alongside digital customer engagement platforms for real estate.
    • Appraisal Management Services: Provides services for managing property appraisal processes.
    • Tax-Deferred Exchange Services: Facilitates services for tax-deferred exchanges related to real estate.
    • Home and Personal Insurance Services: Offers various home and personal insurance products.

    AI Analysis | Feedback

    Stewart Information Services (STC) primarily sells its products and services to other companies within the real estate and mortgage industries.

    Based on the company description, its major customers fall into the following categories of businesses. The background information does not provide specific named customer companies; therefore, categories of customers are listed:

    • Residential and Commercial Real Estate Professionals: This category includes real estate brokerages, development firms, and professionals involved in various aspects of residential and commercial property transactions.
    • Title Agencies: Independent agencies that issue title insurance policies, often utilizing Stewart's underwriting services and platform.
    • Home Builders: Companies involved in the construction and sale of new residential properties.
    • Mortgage Lenders, Servicers, Brokers, and Investors: This includes financial institutions such as banks, credit unions, mortgage companies, and investment firms involved in originating, servicing, brokering, or investing in mortgage loans.
    • Real Estate Attorneys and Investors: Law firms specializing in real estate transactions and various types of real estate investment firms.

    AI Analysis | Feedback

    ```html
    • Amazon.com, Inc. (AMZN)
    • Microsoft Corporation (MSFT)
    • Equifax Inc. (EFX)
    • TransUnion (TRU)
    ```

    AI Analysis | Feedback

    Frederick H. Eppinger, Chief Executive Officer

    Frederick H. Eppinger serves as the chief executive officer of Stewart Information Services Corporation, a role he assumed in September 2019, after serving as a director since 2016. He is an accomplished insurance industry veteran with over 35 years of experience. Before joining Stewart, he was the president and CEO of The Hanover Insurance Group from 2003 until his retirement in 2016, where he transformed the company into a property/casualty carrier with global reach, more than doubling its employees and revenues. Earlier in his career, he was executive vice president of Property and Casualty Field and Service Operations for The Hartford Financial Service Group and held an executive role at ChannelPoint, Inc. Eppinger also spent 15 years as a senior director and partner at McKinsey & Co., leading their insurance, financial services, and health practices. He began his career as an accountant with Coopers & Lybrand.

    David C. Hisey, Chief Financial Officer and Treasurer

    David C. Hisey serves as chief financial officer and treasurer of Stewart Information Services Corporation. He joined Stewart in September 2017, overseeing the company's financial organization and strategy, including financial planning and analysis, accounting, treasury, audit functions, investor relations, and property management. Hisey brings over 30 years of financial leadership experience. Prior to Stewart, he was senior advisor to the CEO and acting CFO for Prospect Mortgage, LLC. He also held roles as executive vice president and CFO, as well as chief strategy and external affairs officer and chief of staff for Nationstar Mortgage Holdings, Inc. (now Mr. Cooper Group). Additionally, Hisey served as EVP and CFO for Fannie Mae and spent 22 years in audit and consulting roles with KPMG LLP/Bearing Point, Inc. He currently serves as a Senior Advisor at Gauge Capital LLC, a private equity firm.

    Elizabeth Giddens, Chief Legal Officer and Corporate Secretary

    Elizabeth Giddens serves as chief legal officer and corporate secretary of Stewart Information Services Corporation. In this role, she leads Stewart's legal and compliance functions.

    Brad Rable, President, Technology & Operations

    Brad Rable serves as President of Technology & Operations for Stewart Information Services Corporation. He is responsible for leading the company's technology and operational strategies.

    Iain Bryant, Group President, Agency Operations

    Iain Bryant serves as group president, responsible for Stewart's agency operations. In this role, he oversees Stewart's independent title agency network, Stewart Trusted Providers™, and all products and services offered to the agency network. He also oversees Stewart Insurance. Prior to his current role, he was a member of the agency services leadership team and district manager for the central U.S. Bryant began his career at Stewart after the acquisition of his company, ASK Services, where he was principal and co-owner.

    AI Analysis | Feedback

    The key risks to Stewart Information Services (STC) primarily stem from its deep ties to the cyclical nature of the real estate market, a complex and evolving regulatory landscape, and the increasing threat of cyberattacks.

    1. High Exposure to Cyclical Real Estate Market and Interest Rates
      Stewart Information Services' financial performance is highly sensitive to the volatile residential real estate market. Revenues and earnings are directly impacted by fluctuations in residential real estate volumes, which are significantly influenced by changes in interest rates and overall economic health. Rising interest rates, in particular, can suppress mortgage originations and refinancing activities, leading to a direct reduction in demand for the company's core title insurance and related services.
    2. Regulatory Changes and Compliance Complexity
      The company operates within a highly regulated environment, and changes in laws and regulations pose a significant risk. This includes evolving data protection laws, financial regulations, and anti-money laundering requirements, such as the FinCEN Anti-Money Laundering Rule for all-cash residential real estate transactions, which became effective in December 2025. Adapting to these complex and often varying regional regulations requires substantial investment in compliance management systems and staff training, and non-compliance can result in severe penalties, legal disputes, and reputational damage.
    3. Cybersecurity Threats and Wire Fraud
      Stewart Information Services, like other companies in the real estate transaction industry, faces increasing threats from sophisticated cybercriminals. These actors aim to intercept wire transfers and commit fraud in real estate transactions. Handling sensitive financial and personal data makes the company a target for cyberattacks and data breaches, which can lead to significant financial losses from remediation costs (averaging $4.88 million per cyberattack and data breach in 2024), legal liabilities, and severe damage to its credibility and reputation.

    AI Analysis | Feedback

    The clear emerging threat for Stewart Information Services (STC) is the potential disruption from blockchain-based or other highly secure and universally adopted digital land registry systems. Such technologies, if widely implemented and legally recognized, could create immutable, transparent, and verifiable records of property ownership and transfers, thereby significantly reducing or potentially eliminating the need for traditional title insurance and associated search and examination services that form the core of STC's business.

    AI Analysis | Feedback

    Stewart Information Services Corporation (STC) operates in several key markets related to real estate transactions. The addressable market sizes for its main products and services are as follows:

    Title Insurance and Real Estate Transaction Related Services

    • Title Insurance Market (U.S.): The U.S. title insurance market was valued at approximately $16.8 billion in 2024 and is projected to reach $17.1 billion in 2025. In 2023, the title insurance industry in the U.S. conducted over $16.5 billion in business.
    • Title Insurance Market (Global): The global title insurance market was valued at $56.8 billion in 2022 and is projected to reach $161.6 billion by 2032, growing at a compound annual growth rate (CAGR) of 11.3% from 2023 to 2032. North America holds a dominant share of the global market, with the United States being the primary contributor.
    • Real Estate Services Market (U.S.): The United States real estate services market is expected to reach USD 159.42 billion in 2025 and is forecast to grow to USD 205.05 billion by 2030, with a CAGR of 5.16%.
    • Real Estate Brokerage Services Market (Global): This market was estimated at $141.246 billion in 2021 and is projected to reach $211.5 billion by the end of 2025, with a further increase to $474.22 billion by 2033, growing at a CAGR of 10.62% from 2025 to 2033. North America is a leading region in this market, with the United States holding approximately 29.1% of the global market share in 2025.

    Ancillary Services

    • Appraisal Management Market (U.S.): The U.S. real estate appraisal market is estimated to be $10.0 billion in 2025 and is projected to reach $10.3 billion in 2026. It was valued at US$8.89 billion in 2022 and is expected to be worth US$11.41 billion in 2028.
    • Online Notarization and E-Closing Market (Global): The global online notary service market is projected to be approximately $2 billion by 2025, with an anticipated CAGR of 15% from 2025 to 2033. The e-notary software market globally is projected to reach USD 3.05 billion by 2035 from USD 0.56 billion in 2026, registering a CAGR of 17.6%. North America, particularly the United States, is expected to dominate these markets due to high technology adoption and a well-established legal framework for remote online notarization (RON).
    • Real Estate Information and Software Market (U.S.): The U.S. real estate software market generated approximately USD 2,423.7 million in revenue in 2023 and is expected to reach USD 4,626.8 million by 2030, growing at a CAGR of 9.7% from 2024 to 2030. Another report projects the U.S. real estate software market size to reach USD 5.10 billion by 2030, expanding at a CAGR of 10.3% from 2023 to 2030.

    AI Analysis | Feedback

    Stewart Information Services (STC) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market improvements: * Growth in Commercial Services: Stewart has demonstrated significant expansion in its commercial services, with domestic commercial revenues and national commercial services showing substantial increases. This includes growth across various asset classes, such as data centers and energy, and is a strong contributor to overall revenue. * Strategic Acquisitions: The company plans to continue pursuing targeted acquisitions, aiming for approximately $300 million in acquisitions over the next three years. Past acquisitions, such as Mortgage Contracting Services and BatchLeads/BatchDialer, have been pivotal in driving growth and enhancing digital capabilities. * Expansion in Real Estate Solutions: Stewart's Real Estate Solutions segment has experienced revenue growth, and the company anticipates improving margins in this area in the coming years. * Targeted Geographic, Customer, and Channel Expansion: Stewart is committed to a strategy of "thoughtful geographic, customer and channel expansion" and aims for targeted market share gains in specific states. This includes efforts to broaden its international presence, particularly in Canada, and increase commercial penetration. * Anticipated Housing Market Improvement: While the company has achieved revenue growth despite a challenging housing market, Stewart remains cautiously optimistic about a gradual improvement in the housing market in the future, which is expected to further contribute to its growth.

    AI Analysis | Feedback

    Share Issuance

    • Stewart Information Services successfully issued 2.19 million new shares of Common Stock in 2025, raising net proceeds of $140.8 million to pursue growth opportunities.
    • A follow-on equity offering of 1,900,000 shares of common stock was completed for total proceeds of $129.2 million at a price of $68 per share around late 2025 to early 2026.

    Outbound Investments

    • In November 2025, Stewart Information Services Corporation acquired the mortgage services business of Mortgage Contracting Services (MCS) for $330 million, marking its largest acquisition to expand into property preservation and default servicing.
    • Stewart Information Services Corporation completed the acquisition of All New York Title Agency, Inc. on April 10, 2024.

    Capital Expenditures

    • Capital expenditures totaled -$73.41 million in the last 12 months as of March 2026.
    • In the fourth quarter of 2025, Stewart invested $27.2 million in capital expenditures, which was a 42.7% increase from the prior quarter.
    • Capital expenditures of $73.4 million absorbed a significant portion of operating cash flow in Q4 2025.

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    Top Gainers

    TickerCompanyCategory1W RtnYTD Rtn
    USOUnited States Oil Fund LPCommodity10.3%97.6%
    RINGiShares MSCI Global Gold Miners ETFEquity5.9%-12.4%
    ITAiShares U.S. Aerospace & Defense ETFEquity4.1%11.9%
    PDBCInvesco Optimum Yield Diversified Com...Commodity4.1%35.5%
    DBCInvesco DB Commodity Index Tracking FundCommodity3.9%34.6%
    SLViShares Silver TrustCommodity3.6%-18.4%
    XLEState Street Energy Select Sector SPD...Equity3.4%34.2%
    FXNFirst Trust Energy AlphaDEX FundEquity3.2%34.3%
    URAGlobal X Uranium ETFEquity3.0%-6.6%
    BCIabrdn Bloomberg All Commodity Strateg...Commodity2.9%25.4%

    Top Losers

    TickerCompanyCategory1W RtnYTD Rtn
    MAGSRoundhill Magnificent Seven ETFEquity-5.6%-4.3%
    XLYState Street Consumer Discretionary S...Equity-5.2%-8.2%
    IGViShares Expanded Tech-Software Sector...Equity-5.2%-16.8%
    ARKKARK Innovation ETFEquity-4.4%-6.5%
    XOVREntrepreneurShares Series Trust ERSha...Equity-3.9%-7.9%
    XLCState Street Communication Services S...Equity-3.9%-9.4%
    NASATema Space Innovators ETFEquity-3.7%-12.1%
    ARKWARK Next Generation Internet ETFEquity-3.5%-7.4%
    ICLNiShares Global Clean Energy ETFEquity-3.2%8.2%
    AKREAkre Focus ETFEquity-2.7%-16.5%

    Top Gainers

    TickerCompanyCategory1M RtnYTD Rtn
    USOUnited States Oil Fund LPCommodity28.6%97.6%
    ETHAiShares Ethereum Trust ETFCryptocurrency17.8%-37.4%
    DBCInvesco DB Commodity Index Tracking FundCommodity13.8%34.6%
    PDBCInvesco Optimum Yield Diversified Com...Commodity13.8%35.5%
    XOPState Street SPDR S&P Oil & Gas Explo...Equity13.7%38.4%
    HGERHarbor Commodity All-Weather Strategy...Commodity13.0%30.9%
    XLEState Street Energy Select Sector SPD...Equity11.3%34.2%
    BCIabrdn Bloomberg All Commodity Strateg...Commodity11.0%25.4%
    COMTiShares GSCI Commodity Dynamic Roll S...Commodity10.1%33.1%
    FTGCFirst Trust Global Tactical Commodity...Commodity9.9%28.5%

    Top Losers

    TickerCompanyCategory1M RtnYTD Rtn
    NASATema Space Innovators ETFEquity-19.0%-12.1%
    EWYiShares MSCI South Korea ETFEquity-17.4%67.6%
    LITGlobal X Lithium & Battery Tech ETFEquity-14.1%4.5%
    ICLNiShares Global Clean Energy ETFEquity-13.2%8.2%
    SOXXiShares Semiconductor ETFEquity-12.4%75.1%
    SOXQInvesco PHLX Semiconductor ETFEquity-12.1%67.0%
    URAGlobal X Uranium ETFEquity-10.8%-6.6%
    UNGUnited States Natural Gas Fund LPCommodity-10.1%-13.9%
    SMHVanEck Semiconductor ETFEquity-9.3%55.8%
    ARKQARK Autonomous Technology & Robotics ETFEquity-8.2%-0.6%

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    Peer Comparisons

    Peers to compare with:

    Financials

    STCFNFFAFORIITICCSGPMedian
    NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
    Mkt Price67.4251.6275.1342.29282.5527.6659.52
    Mkt Cap2.013.97.710.30.511.49.0
    Rev LTM3,09114,5927,9779,4212813,4125,694
    Op Inc LTM------26-26
    FCF LTM1545,4518321,21427166499
    FCF 3Y Avg1046,0535931,1342146349
    CFO LTM2315,5881,0041,21433529766
    CFO 3Y Avg1576,1937961,13428447622

    Growth & Margins

    STCFNFFAFORIITICCSGPMedian
    NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
    Rev Chg LTM21.3%14.2%22.6%13.1%7.2%21.3%17.7%
    Rev Chg 3Y Avg5.4%10.6%7.4%7.5%2.7%15.0%7.4%
    Rev Chg Q27.7%16.9%15.0%13.5%12.6%22.5%15.9%
    QoQ Delta Rev Chg LTM5.8%3.2%3.6%3.1%2.6%5.1%3.4%
    Op Inc Chg LTM------634.7%-634.7%
    Op Inc Chg 3Y Avg------263.2%-263.2%
    Op Mgn LTM------0.8%-0.8%
    Op Mgn 3Y Avg-----2.0%2.0%
    QoQ Delta Op Mgn LTM-----1.5%1.5%
    CFO/Rev LTM7.5%38.3%12.6%12.9%11.6%15.5%12.7%
    CFO/Rev 3Y Avg5.8%47.2%11.5%13.4%10.7%15.5%12.5%
    FCF/Rev LTM5.0%37.4%10.4%12.9%9.7%4.9%10.1%
    FCF/Rev 3Y Avg3.8%46.2%8.5%13.4%7.9%1.3%8.2%

    Valuation

    STCFNFFAFORIITICCSGPMedian
    NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
    Mkt Cap2.013.97.710.30.511.49.0
    P/S0.71.01.01.11.93.31.0
    P/Op Inc------436.0-436.0
    P/EBIT9.96.96.77.6--436.06.9
    P/E15.818.210.310.114.0460.614.9
    P/CFO8.82.57.78.516.321.68.6
    Total Yield9.3%9.4%12.6%18.8%10.9%0.2%10.2%
    Dividend Yield3.0%4.0%2.9%8.8%3.7%0.0%3.4%
    FCF Yield 3Y Avg5.5%44.0%9.1%12.2%4.8%0.4%7.3%
    D/E0.40.30.40.20.00.10.2
    Net D/E0.2-1.90.0-0.1-0.2-0.0-0.0

    Returns

    STCFNFFAFORIITICCSGPMedian
    NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
    1M Rtn4.4%11.9%14.9%5.7%6.6%-3.4%6.1%
    3M Rtn-5.2%-0.3%6.9%5.6%15.3%-24.1%2.7%
    6M Rtn4.5%-1.2%20.3%13.3%12.2%-57.8%8.3%
    12M Rtn6.8%-2.5%28.4%28.6%39.1%-70.2%17.6%
    3Y Rtn57.9%56.5%39.4%91.5%110.7%-67.2%57.2%
    1M Excs Rtn-1.7%10.7%11.0%4.2%6.0%-7.9%5.1%
    3M Excs Rtn-8.5%-3.0%5.8%2.6%12.1%-30.3%-0.2%
    6M Excs Rtn-5.0%-11.1%10.2%2.7%4.1%-65.5%-1.2%
    12M Excs Rtn0.2%-16.3%18.2%9.3%24.7%-86.2%4.8%
    3Y Excs Rtn2.6%-6.1%-20.6%37.3%53.1%-132.1%-1.7%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/6/20262/27/202611/6/20258/5/20255/7/20252/28/202511/6/20248/6/20245/7/20242/29/202411/8/20238/8/2023
    Key Financials Quarterly            
    Total Revenue781791797722612666668602554582602549
    Net Income173644323233017391416
    EPS0.561.201.581.140.110.821.090.630.110.320.510.58
    Key Financials TTM            
    Total Revenue TTM3,0912,9222,7972,6682,5482,4902,4072,3402,2872,2572,3312,446
    Net Income TTM129116102887373594342303550
    Growth Rates Quarterly            
    Total Revenue Growth27.7%18.7%19.3%19.9%10.4%14.4%11.0%9.7%5.7%-11.2%-16.0%-34.9%
    Net Income Growth451.3%59.5%47.1%84.1%-1.7%158.0%115.0%9.7%138.2%-33.8%-52.4%-74.4%
    Margins Quarterly            
    Net Income Margin2.2%4.6%5.6%4.4%0.5%3.4%4.5%2.9%0.6%1.5%2.3%2.9%
    Cash & Debt            
    Total Cash317370233224194257229177181272240217
    Total Debt771769571576560565568573578581587592
    Net Debt / (Cash)453399338352366307340396397309347375
    Cash Flows Quarterly            
    FCF from Operations-4909353-30687621-30396035
    Cash Flows TTM            
    FCF from Operations TTM23120618416813513610791105836858
    Returns to Shareholders Quarterly            
    Dividends161615141414141313131312
    Share Repurchases500030003000
    Return on Invested Capital (ROIC) Quarterly            
    ROIC8.1%18.3%28.2%20.6%3.2%17.6%20.3%12.2%3.6%8.6%11.6%12.1%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM15.3%14.6%17.0%14.8%12.7%14.3%11.2%8.4%8.3%7.5%8.2%10.3%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Title insurance and related services (Title)2,4822,1331,9972,7343,003
    Real estate solutions438359264297265
    Corporate1-1-33937
    Total2,9222,4902,2573,0693,306


    Operating Income by Segment
    $ Mil20042003200119981997
    Title Insurance130187757329
    Real Estate Information31253-6
    Total133200817624


    Assets by Segment
    $ Mil20112010200920082007
    Title Insurance1,0901,0821,315 1,370
    Real Estate Information665954 72
    REI   66 
    Title insurance and related services (Title)   1,383 
    Total1,1561,1411,3691,4491,442


    Price Behavior

    Price Behavior
    Market Price$67.42 
    Market Cap ($ Bil)2.0 
    First Trading Date03/28/1990 
    Distance from 52W High-10.6% 
       50 Days200 Days
    DMA Price$66.86$67.52
    DMA Trendindeterminateup
    Distance from DMA0.8%-0.1%
     3M1YR
    Volatility36.0%30.9%
    Downside Capture-16.8242.17
    Upside Capture-38.8741.95
    Correlation (SPY)-9.1%18.6%
    STC Betas & Captures as of 6/30/2026

     1M2M3M6M1Y3Y
    Beta-0.92-0.56-0.040.330.440.60
    Up Beta0.200.720.940.911.050.61
    Down Beta-0.96-0.87-1.03-0.34-0.190.45
    Up Capture-104%-75%-1%23%33%43%
    Bmk +ve Days11244067140429
    Stock +ve Days12203360119377
    Down Capture-137%-82%-71%52%58%85%
    Bmk -ve Days10172358112321
    Stock -ve Days9212964131371

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with STC
    STC16.9%32.4%0.51-
    Sector ETF (XLF)7.3%14.6%0.2736.9%
    Equity (SPY)17.6%12.7%1.0017.4%
    Gold (GLD)19.2%28.1%0.611.3%
    Commodities (DBC)34.7%19.1%1.42-27.7%
    Real Estate (VNQ)13.8%14.1%0.6945.9%
    Bitcoin (BTCUSD)-46.2%42.9%-1.321.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with STC
    STC6.9%31.0%0.25-
    Sector ETF (XLF)11.1%18.5%0.4650.6%
    Equity (SPY)12.8%17.1%0.5842.6%
    Gold (GLD)17.0%18.4%0.755.4%
    Commodities (DBC)9.6%19.5%0.382.8%
    Real Estate (VNQ)3.0%18.9%0.0652.9%
    Bitcoin (BTCUSD)15.3%53.4%0.4718.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with STC
    STC7.8%31.5%0.31-
    Sector ETF (XLF)13.4%22.0%0.5654.2%
    Equity (SPY)14.9%17.9%0.7150.0%
    Gold (GLD)11.3%16.1%0.577.5%
    Commodities (DBC)7.2%17.9%0.3214.7%
    Real Estate (VNQ)5.2%20.7%0.2154.4%
    Bitcoin (BTCUSD)58.1%66.2%0.9815.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity0.9 Mil
    Short Interest: % Change Since 63020266.2%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest4.6 days
    Basic Shares Quantity30.3 Mil
    Short % of Basic Shares3.1%

    Returns Analyses

    Earnings Returns History

    Updated 7/26/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/2026-7.8%  
    4/22/20263.9%2.5%-0.4%
    2/4/20262.9%2.8%-2.7%
    10/22/2025-4.1%-6.7%-5.3%
    7/23/202510.2%9.1%18.6%
    4/23/2025-1.9%-1.9%-8.9%
    2/5/20253.9%2.5%4.8%
    10/23/20246.0%2.8%9.5%
    ...
    SUMMARY STATS   
    # Positive151515
    # Negative1099
    Median Positive2.1%4.2%7.8%
    Median Negative-4.7%-5.7%-3.4%
    Max Positive10.2%14.8%18.6%
    Max Negative-11.2%-12.1%-21.3%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/2026-7.8%  
    4/22/20263.9%2.5%-0.4%
    2/4/20262.9%2.8%-2.7%
    10/22/2025-4.1%-6.7%-5.3%
    7/23/202510.2%9.1%18.6%
    4/23/2025-1.9%-1.9%-8.9%
    2/5/20253.9%2.5%4.8%
    10/23/20246.0%2.8%9.5%
    7/24/2024-1.1%-3.4%-3.4%
    4/24/2024-2.1%-2.0%0.7%
    2/7/20240.3%2.5%2.8%
    10/25/20239.1%14.8%17.5%
    7/26/20230.4%0.8%-3.4%
    4/26/20232.1%3.9%10.3%
    2/8/2023-11.2%-7.3%-21.3%
    10/26/2022-7.4%-12.1%0.9%
    7/27/20222.1%-0.8%3.3%
    4/27/20221.9%13.6%11.7%
    2/9/2022-5.3%-9.0%-11.8%
    10/27/20211.6%4.2%10.2%
    7/21/20211.5%5.4%4.0%
    4/21/20211.3%5.4%7.8%
    2/10/20214.1%8.5%7.2%
    10/21/2020-8.0%-5.7%-2.5%
    7/23/2020-1.8%9.9%9.5%
    SUMMARY STATS   
    # Positive151515
    # Negative1099
    Median Positive2.1%4.2%7.8%
    Median Negative-4.7%-5.7%-3.4%
    Max Positive10.2%14.8%18.6%
    Max Negative-11.2%-12.1%-21.3%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/06/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/07/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/08/202210-Q
    06/30/202208/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/06/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/07/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/08/202210-Q
    06/30/202208/09/202210-Q
    03/31/202205/06/202210-Q
    12/31/202102/28/202210-K
    09/30/202111/03/202110-Q
    06/30/202108/03/202110-Q
    03/31/202105/04/202110-Q
    12/31/202003/01/202110-K
    09/30/202011/04/202010-Q
    06/30/202008/03/202010-Q
    03/31/202005/04/202010-Q
    12/31/201902/27/202010-K
    09/30/201911/07/201910-Q
    06/30/201908/07/201910-Q

    Insider Activity

    Updated 7/2/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Bradley, C Allen JR DirectBuy602202663.871,00063,8691,598,901Form
    2Hisey, David CChief Financial OfficerDirectSell427202671.2810,992783,4554,413,993Form
    3Bradley, C Allen JR DirectBuy312202662.5970043,8131,392,175Form
    4Bradley, C Allen JR DirectBuy312202663.1530018,9451,360,440Form
    5Bradley, C Allen JR DirectBuy311202665.341,00065,3451,388,124Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Bradley, C Allen JR DirectBuy602202663.871,00063,8691,598,901Form
    2Hisey, David CChief Financial OfficerDirectSell427202671.2810,992783,4554,413,993Form
    3Bradley, C Allen JR DirectBuy312202662.5970043,8131,392,175Form
    4Bradley, C Allen JR DirectBuy312202663.1530018,9451,360,440Form
    5Bradley, C Allen JR DirectBuy311202665.341,00065,3451,388,124Form
    6Rable, BradGroup PresidentDirectSell728202565.325,694371,9301,559,309Form
    7Hisey, David CChief Financial OfficerDirectSell728202564.392,224143,2033,757,736Form

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