Stewart Information Services (STC)


Market Price (10/22/2026): $52.54 | Market Cap: $1.6 BilSector: Financials | Industry: Property & Casualty Insurance

Stewart Information Services (STC)


Market Price (10/22/2026): $52.54
Market Cap: $1.6 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 12%, Dividend Yield is 4.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.4%, FCF Yield is 9.4%

Low stock price volatility
Vol 12M is 33%

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

Weak multi-year price returns
2Y Excs Rtn is -53%, 3Y Excs Rtn is -39%

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 12%, Dividend Yield is 4.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.4%, FCF Yield is 9.4%
1 Low stock price volatility
Vol 12M is 33%
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 -53%, 3Y Excs Rtn is -39%
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%
IWM0.06%
IJR0.09%
SLYV0.18%
VIOV0.17%
IJS0.14%
NUSC0.12%
+9 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 10/21/2026

Stewart Information Services (STC) stock has lost about 20% since 6/30/2026 because of the following key factors:

1. Significant decline in fiscal Q3 2026 profitability and earnings miss.

Stewart Information Services (STC) reported a substantial drop in profitability for its fiscal Q3 2026, which ended September 30, 2026. The company's diluted GAAP EPS fell approximately 37% to $0.98 from $1.55 in the prior-year quarter. Adjusted diluted EPS was $1.33, missing analyst consensus estimates of $1.51 by 11.9%. Net income attributable to Stewart decreased 32% to $30.3 million from $44.3 million in fiscal Q3 2025, and pretax income declined 26% to $45.6 million from $61.2 million. This earnings miss and sharp decline in profitability served as a primary catalyst for the stock's negative trend.

2. Weakening title profitability and margin compression.

Despite a 13% year-over-year revenue increase to $900.7 million in fiscal Q3 2026, the company experienced weakening title profitability and significant margin compression. The GAAP pretax margin decreased to 5.1% from 7.7% a year earlier, and the adjusted pretax margin also fell from 8.1% to 6.7%. Operating cash flow was nearly halved, dropping to $46.6 million from $92.6 million. Increased operational costs and a slight increase in Real Estate Solutions service costs, growing faster than revenue, contributed to this margin pressure.

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Updated on 10/21/2026

Stewart Information Services (STC) stock has lost about 20% since 6/30/2026 because of the following key factors:

1. Significant decline in fiscal Q3 2026 profitability and earnings miss.

Stewart Information Services (STC) reported a substantial drop in profitability for its fiscal Q3 2026, which ended September 30, 2026. The company's diluted GAAP EPS fell approximately 37% to $0.98 from $1.55 in the prior-year quarter. Adjusted diluted EPS was $1.33, missing analyst consensus estimates of $1.51 by 11.9%. Net income attributable to Stewart decreased 32% to $30.3 million from $44.3 million in fiscal Q3 2025, and pretax income declined 26% to $45.6 million from $61.2 million. This earnings miss and sharp decline in profitability served as a primary catalyst for the stock's negative trend.

2. Weakening title profitability and margin compression.

Despite a 13% year-over-year revenue increase to $900.7 million in fiscal Q3 2026, the company experienced weakening title profitability and significant margin compression. The GAAP pretax margin decreased to 5.1% from 7.7% a year earlier, and the adjusted pretax margin also fell from 8.1% to 6.7%. Operating cash flow was nearly halved, dropping to $46.6 million from $92.6 million. Increased operational costs and a slight increase in Real Estate Solutions service costs, growing faster than revenue, contributed to this margin pressure.

3. Persistent industry headwinds in the real estate and title insurance markets.

Management indicated that "increased industry headwinds" are expected to continue into next year, impacting title order volumes and transaction activity. The broader real estate market in fiscal Q3 2026 faced challenges, including 30-year mortgage rates climbing above 7% (peaking at 7.11-7.19%) in late September, which led to slower mortgage application activity. Additionally, housing inventory reached a 10-year supply high. Several analysts reacted to these conditions and STC's performance: Keefe, Bruyette & Woods downgraded STC from "outperform" to "market perform" and lowered its price target from $77.00 to $71.00 on July 27, 2026. Citizens Jmp also reduced its price objective from $80.00 to $75.00 on October 12, 2026, and DOWLING & PARTN lowered their FY2026 EPS estimates for STC from $5.26 to $4.89 on October 20, 2026.

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Stock Movement Drivers

Fundamental Drivers

The -19.7% change in STC stock from 6/30/2026 to 10/21/2026 was primarily driven by a -22.5% change in the company's P/E Multiple.
(LTM values as of)630202610212026Change
Stock Price ($)65.4852.57-19.7%
Change Contribution By: 
Total Revenues ($ Mil)3,0913,2685.7%
Net Income Margin (%)4.2%4.1%-1.5%
P/E Multiple15.311.9-22.5%
Shares Outstanding (Mil)3030-0.5%
Cumulative Contribution-19.7%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2026 to 10/21/2026
ReturnCorrelation
STC-19.7% 
Market (SPY)3.5%12.3%
Sector (XLF)4.5%36.1%

Fundamental Drivers

The -13.2% change in STC stock from 3/31/2026 to 10/21/2026 was primarily driven by a -20.5% change in the company's P/E Multiple.
(LTM values as of)331202610212026Change
Stock Price ($)60.5852.57-13.2%
Change Contribution By: 
Total Revenues ($ Mil)2,9223,26811.9%
Net Income Margin (%)4.0%4.1%4.2%
P/E Multiple14.911.9-20.5%
Shares Outstanding (Mil)2930-6.3%
Cumulative Contribution-13.2%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 10/21/2026
ReturnCorrelation
STC-13.2% 
Market (SPY)19.2%6.1%
Sector (XLF)13.9%35.6%

Fundamental Drivers

The -26.0% change in STC stock from 9/30/2025 to 10/21/2026 was primarily driven by a -47.4% change in the company's P/E Multiple.
(LTM values as of)930202510212026Change
Stock Price ($)71.0352.57-26.0%
Change Contribution By: 
Total Revenues ($ Mil)2,6683,26822.5%
Net Income Margin (%)3.3%4.1%25.2%
P/E Multiple22.611.9-47.4%
Shares Outstanding (Mil)2830-8.2%
Cumulative Contribution-26.0%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 10/21/2026
ReturnCorrelation
STC-26.0% 
Market (SPY)17.0%13.8%
Sector (XLF)5.3%36.4%

Fundamental Drivers

The 31.5% change in STC stock from 9/30/2023 to 10/21/2026 was primarily driven by a 100.1% change in the company's Net Income Margin (%).
(LTM values as of)930202310212026Change
Stock Price ($)39.9852.5731.5%
Change Contribution By: 
Total Revenues ($ Mil)2,4463,26833.6%
Net Income Margin (%)2.1%4.1%100.1%
P/E Multiple21.611.9-45.1%
Shares Outstanding (Mil)2730-10.5%
Cumulative Contribution31.5%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2023 to 10/21/2026
ReturnCorrelation
STC31.5% 
Market (SPY)87.1%28.9%
Sector (XLF)76.4%43.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
STC Return69%-45%43%18%7%-24%30%
Peers Return33%-14%25%16%9%-11%61%
S&P 500 Return27%-19%24%23%16%12%104%

Monthly Win Rates [3]
STC Win Rate83%25%50%67%50%60% 
Peers Win Rate60%38%57%52%53%48% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
STC Max Drawdown-14%-53%-29%-12%-21%-31% 
Peers Max Drawdown-15%-35%-21%-16%-22%-31% 
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 10/21/2026 (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)

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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.

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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

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

Peer Outperformance in Property & Casualty Insurance

STC has trailed 85% of its 41 Property & Casualty Insurance peers over 5Y. Among the peers that beat it are TRV, WRB and ORI. Property & Casualty Insurance ranks 6th of 18 industries in Financials by median 5Y return.
Share of Property & Casualty Insurance constituents that STC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
7%
of 46 industry peers · -24.1% return
3Y
28%
of 43 industry peers · 45.4% return
5Y
15%
of 41 industry peers · -14.0% return
Property & Casualty Insurance peers with revenue growth within 4pp of STC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
STC Stewart Information Services 10.7% 11.9x -24.1%45.4%-14.0% —
TRV Travelers Companies 7.0% 9.9x 50.4%159.8%173.9% +188pp
WRB WR Berkley 8.7% 15.0x 1.9%90.4%140.3% +154pp
ORI Old Republic International 8.6% 8.5x 4.3%83.6%124.0% +138pp
ALL Allstate 8.8% 4.8x 32.1%116.6%122.9% +137pp
MCY Mercury General 14.4% 6.2x 33.2%268.0%117.5% +132pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Property & Casualty Insurance is STC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 29.3%70.9%117.9% SPNT 175% · RGA 150% · RNR 149%
Diversified Banks 12 28.8%148.1%90.6% CM 141% · RY 126% · JPM 124%
Life & Health Insurance 20 13.6%61.4%84.5% JXN 473% · UNM 291% · MFC 183%
Multi-Sector Holdings 4 9.7%58.8%71.2% BRK-B 88% · VOYA 54% · JEF 30%
Investment Banking & Brokerage 13 -12.1%102.8%70.1% IBKR 373% · SNEX 176% · GS 151%
Property & Casualty Insurance ← 42 13.6%80.6%63.8% TRV 174% · PGR 161% · ACGL 146%
Multi-line Insurance 9 7.7%67.3%58.4% GNW 98% · L 98% · AIZ 87%
Regional Banks 260 29.2%97.1%53.0% CBC 228% · FCNCA 161% · NIC 138%
Financial Exchanges & Data 15 7.8%36.5%29.9% CBOE 168% · VIRT 161% · CME 70%
Consumer Finance 30 -1.3%90.3%27.5% ENVA 413% · EZPW 325% · FCFS 154%
Insurance Brokers 15 -6.3%7.3%19.4% LIFE 416% · ARX 88% · AJG 66%
Diversified Financial Services 4 -4.1%22.5%5.3% FRHC 158% · EQH 83%
Asset Management & Custody Banks 84 -13.7%21.9%3.0% WT 296% · AAMI 257% · VCTR 244%
Commercial & Residential Mortgage Finance 15 -54.2%35.1%-5.8% FNMA 340% · FMCC 305% · ACT 149%
Specialized Finance 3 7.9%35.9%-12.1% CACC -12% · HASI -22%
Mortgage REITs 34 -21.7%-2.9%-35.1% RITM 25% · DX 17% · AGNC 6%
Transaction & Payment Processing Services 17 0.6%8.3%-36.6% V 84% · MA 80% · CPAY 47%
Diversified Capital Markets 20 -53.8%13.4%-63.7% LPLA 89% · TW 45% · RIOT -52%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

STCFNFFAFORIITICCSGPMedian
NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
Mkt Price52.5440.6265.0740.13289.0133.0046.58
Mkt Cap1.610.86.79.60.513.38.2
Rev LTM3,26814,9857,9779,7162943,5565,766
Op Inc LTM-----7777
FCF LTM1505,4288321,28026227530
FCF 3Y Avg1066,1035931,1712218350
CFO LTM2385,5631,0041,28032497750
CFO 3Y Avg1656,2437961,17128427612

Growth & Margins

STCFNFFAFORIITICCSGPMedian
NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
Rev Chg LTM22.5%12.7%22.6%12.1%8.7%22.0%17.3%
Rev Chg 3Y Avg10.7%10.0%7.4%8.6%5.6%15.4%9.3%
Rev Chg Q24.5%11.0%15.0%13.4%17.7%18.4%16.4%
QoQ Delta Rev Chg LTM5.7%2.7%3.6%3.1%4.7%4.2%3.9%
Op Inc Chg LTM-----1,383.3%1,383.3%
Op Inc Chg 3Y Avg-----398.2%398.2%
Op Mgn LTM-----2.2%2.2%
Op Mgn 3Y Avg-----1.6%1.6%
QoQ Delta Op Mgn LTM-----2.9%2.9%
CFO/Rev LTM7.3%37.1%12.6%13.2%10.9%14.0%12.9%
CFO/Rev 3Y Avg5.8%46.5%11.5%13.5%10.7%14.2%12.5%
FCF/Rev LTM4.6%36.2%10.4%13.2%9.0%6.4%9.7%
FCF/Rev 3Y Avg3.7%45.5%8.5%13.5%8.1%-0.1%8.3%

Valuation

STCFNFFAFORIITICCSGPMedian
NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
Mkt Cap1.610.86.79.60.513.38.2
P/S0.50.70.81.01.93.80.9
P/Op Inc-----173.2173.2
P/EBIT7.45.55.86.3-173.26.3
P/E11.914.09.08.513.5181.212.7
P/CFO6.71.96.67.517.126.87.1
Total Yield12.4%12.2%14.2%21.3%11.0%0.6%12.3%
Dividend Yield4.0%5.1%3.3%9.5%3.6%0.0%3.8%
FCF Yield 3Y Avg5.6%43.4%9.2%12.9%5.2%0.5%7.4%
D/E0.50.40.40.20.00.10.3
Net D/E0.3-2.50.0-0.2-0.2-0.0-0.1

Returns

STCFNFFAFORIITICCSGPMedian
NameStewart .Fidelity.First Am.Old Repu.Investor.CoStar  
1M Rtn-16.4%-4.3%-5.2%2.3%0.2%13.6%-2.1%
3M Rtn-24.0%-18.1%-6.9%-2.8%2.2%19.2%-4.8%
6M Rtn-21.8%-17.9%-0.4%-3.1%22.4%-14.9%-9.0%
12M Rtn-24.2%-22.2%10.3%4.3%13.4%-57.1%-9.0%
3Y Rtn45.3%24.9%42.9%83.6%134.8%-55.3%44.1%
1M Excs Rtn-15.1%-3.2%-3.8%4.8%0.0%16.1%-1.6%
3M Excs Rtn-20.9%-18.8%-8.1%-5.5%1.4%18.2%-6.8%
6M Excs Rtn-29.1%-25.2%-7.5%-10.4%15.2%-22.2%-16.3%
12M Excs Rtn-37.3%-35.3%-3.2%-8.9%-0.8%-69.7%-22.1%
3Y Excs Rtn-39.4%-57.4%-37.4%5.5%54.5%-134.9%-38.4%

Comparison Analyses

null

Financials

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$52.57 
Market Cap ($ Bil)1.6 
First Trading Date03/28/1990 
Distance from 52W High-29.7% 
   50 Days200 Days
DMA Price$61.18$64.65
DMA Trenddowndown
Distance from DMA-14.1%-18.7%
 3M1YR
Volatility37.6%33.3%
Downside Capture195.8482.82
Upside Capture51.0937.51
Correlation (S&P 500)7.8%15.1%
STC Betas & Captures as of 9/30/2026

 1M2M3M6M1Y3Y
Beta0.880.840.540.210.370.60
Up Beta0.850.05-0.940.420.690.55
Down Beta-4.19-2.70-0.47-1.09-0.340.41
Up Capture-11%45%55%16%19%38%
Bmk +ve Days6162766132424
Stock +ve Days3142557114367
Down Capture448%319%210%96%87%92%
Bmk -ve Days16263760120328
Stock -ve Days19283968137383

[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
STC-23.6%33.3%-0.77-
Sector ETF (XLF)7.5%14.4%0.2735.9%
Equity (SPY)16.2%12.7%0.9013.5%
Gold (GLD)-6.0%29.0%-0.224.7%
Commodities (DBC)50.2%20.7%1.85-23.9%
Real Estate (VNQ)3.1%13.8%-0.0348.1%
Bitcoin (BTCUSD)-25.3%43.4%-0.550.9%

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
STC-1.9%31.8%-0.02-
Sector ETF (XLF)9.7%18.3%0.3949.6%
Equity (SPY)13.6%17.1%0.6140.9%
Gold (GLD)17.7%18.9%0.765.6%
Commodities (DBC)9.5%19.5%0.370.4%
Real Estate (VNQ)1.1%18.9%-0.0552.6%
Bitcoin (BTCUSD)7.6%51.7%0.3317.7%

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
STC5.0%31.9%0.22-
Sector ETF (XLF)13.1%22.1%0.5453.8%
Equity (SPY)15.5%17.9%0.7349.2%
Gold (GLD)12.2%16.4%0.617.2%
Commodities (DBC)8.2%18.1%0.3714.0%
Real Estate (VNQ)5.2%20.7%0.2154.5%
Bitcoin (BTCUSD)62.6%66.2%1.0215.2%

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

Short Interest

Short Interest: As Of Date9302026
Short Interest: Shares Quantity1.1 Mil
Short Interest: % Change Since 9152026-7.5%
Average Daily Volume0.3 Mil
Days-to-Cover Short Interest3.2 days
Basic Shares Quantity30.4 Mil
Short % of Basic Shares3.7%

Earnings Returns History

Updated 10/21/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/22/2026-7.8%0.8%-1.1%
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   
# Positive151514
# Negative9910
Median Positive2.1%3.9%7.5%
Median Negative-5.3%-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%0.8%-1.1%
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%
SUMMARY STATS   
# Positive151514
# Negative9910
Median Positive2.1%3.9%7.5%
Median Negative-5.3%-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
06/30/202608/04/202610-Q
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
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/04/202610-Q
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

Insider Activity

Updated 8/24/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Glaze, BrianPAODirectSell824202669.161,500103,740814,981Form
2Bradley, C Allen JR DirectBuy602202663.871,00063,8691,598,901Form
3Hisey, David CChief Financial OfficerDirectSell427202671.2810,992783,4554,413,993Form
4Bradley, C Allen JR DirectBuy312202662.5970043,8131,392,175Form
5Bradley, C Allen JR DirectBuy312202663.1530018,9451,360,440Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Glaze, BrianPAODirectSell824202669.161,500103,740814,981Form
2Bradley, C Allen JR DirectBuy602202663.871,00063,8691,598,901Form
3Hisey, David CChief Financial OfficerDirectSell427202671.2810,992783,4554,413,993Form
4Bradley, C Allen JR DirectBuy312202662.5970043,8131,392,175Form
5Bradley, C Allen JR DirectBuy312202663.1530018,9451,360,440Form
6Bradley, C Allen JR DirectBuy311202665.341,00065,3451,388,124Form
Core Cache Last Updated: 10/21/2026