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STC

Neutral signalScored 2026-10-27 Drivers: fundamentals. Moteurs : fondamentaux.

Research, not advice.

À propos

Stewart Information Services Corporation

Nom
Stewart Information Services Corporation
Secteur
Financial Services
Industrie
Insurance - Property & Casualty
Bourse
NYSE
Capitalisation
$1.3B
Employés
7,800
PDG
Frederick Henry Eppinger Jr.
Site web
https://www.stewart.com
Marché
AHLFBNCHMNLCNICOFG

Stewart Information Services Corporation (STC) operates as a key provider of title insurance and related services essential for real estate transactions, delivered through its various subsidiary entities. The company's operations are divided into two primary segments: "Title" and "Ancillary Services and Corporate." The Title division is fundamentally involved in ensuring property security by conducting thorough title searches, examinations, and closings, culminating in the issuance of title insurance. This segment further extends its offerings to include personal and property insurance solutions, support for tax-deferred property exchanges, and advanced digital platforms designed to enhance customer engagement. Conversely, the Ancillary Services and Corporate segment furnishes a suite of support services, especially tailored for the mortgage industry. These encompass the management of appraisals, virtual notarization and closing capabilities, the provision of vital credit and real estate data, and specialized property search and valuation analyses. Stewart delivers its extensive range of products and services via multiple channels, including its directly managed policy-issuing offices, a broad network of independent agencies, and various other business units within the corporation. Its clientele is diverse, serving individual homebuyers and sellers, professionals across both residential and commercial real estate, title agencies, real estate attorneys and investors, home builders, and a wide array of mortgage industry participants such as lenders, servicers, brokers, and investors. Established in 1893, Stewart Information Services Corporation is headquartered in Houston, Texas, and maintains an international presence with operations spanning the United States, Canada, the United Kingdom, and Australia.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

ACHAT TOTAL: 9 000 titres (~417 590,00 $ US)

Insiders
EPPINGER FREDERICK HApel Thomas GCorey William S. Jr.BRADLEY C ALLEN JR
Total bought
$417,590

Avg buy (VWAP, 90d window) —

Total sold
—

Avg sell (VWAP, 90d window) —

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

Last activity
2026-10-26
Last synced
2026-10-27 22:38:04 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

No Form 4 filings for this company in this window.

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

No STOCK Act disclosures for this company in this window.

Signal

Neutral signalScored 2026-10-27 Drivers: fundamentals. Moteurs : fondamentaux.

STC combines weak liquidity (current ratio 0.72, DSCR below 1.0) with deteriorating fundamentals and a second consecutive earnings miss, leaving little margin for error.

The first sentence of the analysis written for STC on 2026-10-27 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: fundamentals. Moteurs : fondamentaux.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Supports a bullish reading. Open-market purchases outweigh sales
  • Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
  • Congress Unavailable or mixed. No purchase disclosures in the stored window
  • Timing Unavailable or mixed. No stored price series
  • Financial indicators Pulls against a bullish reading. Current ratio 0.72 · operating margin 5.7%

Recent news

Market snapshot

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin87.7%96.8%96.4%96.7%96.2%
Ebit Margin6.2%5.4%3.6%8.2%13.3%
Ebitda Margin8.3%7.9%6.3%10.0%14.4%
Operating Profit Margin5.7%4.6%2.7%7.6%13.1%
Pretax Profit Margin5.7%4.6%2.7%7.6%13.1%
Continuous Operations Profit Margin4.5%3.5%2.0%5.9%10.3%
Net Profit Margin4.0%2.9%1.3%5.3%9.8%
Bottom Line Profit Margin4.0%2.9%1.3%5.3%9.8%
Current Ratio0.7200.7380.7180.6781.041
Quick Ratio0.7200.7380.7180.6781.041
Solvency Ratio0.1100.1020.0700.1600.237
Cash Ratio0.4140.4010.4220.4310.812
Price To Earnings Ratio17.22125.46852.9287.1456.617
Price To Earnings Growth Ratio0.3190.184-0.650-0.1420.071
Forward Price To Earnings Growth Ratio0.3190.184-0.650-0.1420.071
Price To Earnings Diluted Ratio17.39125.85852.9287.1946.700
Price To Earnings Diluted Growth Ratio0.3170.191-0.651-0.1440.073
Price To Book Ratio1.2431.3301.1690.8511.668
Price To Sales Ratio0.6980.7490.7100.3780.647
Price To Free Cash Flow Ratio15.42519.59835.4358.0556.101
Price To Operating Cash Flow Ratio9.92013.75019.3096.0425.479
Debt To Assets Ratio0.2360.2070.2150.2170.225
Debt To Equity Ratio0.4680.4030.4240.4370.494
Debt To Capital Ratio0.3190.2870.2980.3040.331
Long Term Debt To Capital Ratio0.2140.2410.2450.2470.273
Financial Leverage Ratio1.9821.9471.9712.0102.194
Working Capital Turnover Ratio-16.250-16.739-13.213-38.095269.684
Operating Cash Flow Ratio0.2640.2510.1500.3330.652
Operating Cash Flow Sales Ratio0.0700.0540.0370.0630.118
Free Cash Flow Operating Cash Flow Ratio0.6430.7020.5450.7500.898
Debt Service Coverage Ratio0.9358.5216.47413.98575.810
Interest Coverage Ratio8.0985.7403.08412.64286.259
Short Term Operating Cash Flow Coverage Ratio1.0280.0000.0000.0000.000
Operating Cash Flow Coverage Ratio0.2680.2400.1430.3220.617
Capital Expenditure Coverage Ratio2.8023.3512.1974.0019.807
Dividend Paid And Capex Coverage Ratio1.5591.4370.9402.0715.106
Dividend Payout Ratio0.5060.7351.6600.2750.113
Enterprise Value Multiple10.30311.30013.6394.8864.808

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 87.7% ▼-9.0% ▼-7.0%
Ebit Margin 6.2% ▲0.8% ▼-1.1%
Ebitda Margin 8.3% ▲0.4% ▼-1.1%
Operating Profit Margin 5.7% ▲1.1% ▼-1.1%
Pretax Profit Margin 5.7% ▲1.1% ▼-1.1%
Continuous Operations Profit Margin 4.5% ▲0.9% ▼-0.8%
Net Profit Margin 4.0% ▲1.0% ▼-0.7%
Bottom Line Profit Margin 4.0% ▲1.0% ▼-0.7%
Current Ratio 0.720 ▼-0.018 ▼-0.059
Quick Ratio 0.720 ▼-0.018 ▼-0.059
Solvency Ratio 0.110 ▲0.008 ▼-0.026
Cash Ratio 0.414 ▲0.013 ▼-0.082
Price To Earnings Ratio 17.221 ▼-8.247 ▼-4.655
Price To Earnings Growth Ratio 0.319 ▲0.136 ▲0.363
Forward Price To Earnings Growth Ratio 0.319 ▲0.136 ▲0.363
Price To Earnings Diluted Ratio 17.391 ▼-8.467 ▼-4.623
Price To Earnings Diluted Growth Ratio 0.317 ▲0.126 ▲0.360
Price To Book Ratio 1.243 ▼-0.086 ▼-0.009
Price To Sales Ratio 0.698 ▼-0.050 ▲0.062
Price To Free Cash Flow Ratio 15.425 ▼-4.174 ▼-1.498
Price To Operating Cash Flow Ratio 9.920 ▼-3.830 ▼-0.980
Debt To Assets Ratio 0.236 ▲0.029 ▲0.016
Debt To Equity Ratio 0.468 ▲0.066 ▲0.023
Debt To Capital Ratio 0.319 ▲0.032 ▲0.011
Long Term Debt To Capital Ratio 0.214 ▼-0.027 ▼-0.030
Financial Leverage Ratio 1.982 ▲0.035 ▼-0.039
Working Capital Turnover Ratio -16.250 ▲0.489 ▼-53.327
Operating Cash Flow Ratio 0.264 ▲0.013 ▼-0.066
Operating Cash Flow Sales Ratio 0.070 ▲0.016 ▲0.002
Free Cash Flow Operating Cash Flow Ratio 0.643 ▼-0.059 ▼-0.064
Debt Service Coverage Ratio 0.935 ▼-7.586 ▼-20.210
Interest Coverage Ratio 8.098 ▲2.357 ▼-15.067
Short Term Operating Cash Flow Coverage Ratio 1.028 ▲1.028 ▲0.823
Operating Cash Flow Coverage Ratio 0.268 ▲0.027 ▼-0.050
Capital Expenditure Coverage Ratio 2.802 ▼-0.549 ▼-1.630
Dividend Paid And Capex Coverage Ratio 1.560 ▲0.123 ▼-0.663
Dividend Payout Ratio 0.506 ▼-0.229 ▼-0.152
Enterprise Value Multiple 10.303 ▼-0.998 ▲1.315

Key metrics

MetricTrend20252024202320222021
Market cap$2.04B$1.86B$1.60B$1.16B$2.14B
Enterprise value$2.49B$2.21B$1.95B$1.51B$2.29B
EV / Sales0.85x0.89x0.86x0.49x0.69x
EV / Op. cash flow12.09x16.32x23.50x7.85x5.86x
EV / Free cash flow18.80x23.26x43.12x10.46x6.52x
EV / EBITDA10.30x11.30x13.64x4.89x4.81x
Net debt / EBITDA1.85x1.78x2.43x1.12x0.31x
Current ratio0.72x0.74x0.72x0.68x1.04x
Income quality1.78x1.85x2.73x1.18x1.15x
Graham number$71$55$36$82$114
Graham net-net-$38-$35-$35-$37-$35
Tax burden69.8%64.1%50.0%69.8%74.5%
Interest burden91.8%85.2%75.5%92.7%98.9%
Working capital-$218.1M-$141.5M-$156.0M-$185.7M$24.5M
Invested capital$1.65B$1.38B$1.38B$1.37B$1.46B
Return on assets3.6%2.7%1.1%5.9%11.5%
Operating ROA5.5%4.2%2.2%8.4%18.1%
Return on tangible assets7.0%5.0%2.1%11.1%19.5%
Return on equity7.0%5.2%2.2%11.9%25.2%
Return on invested capital4.9%4.0%2.1%8.4%15.3%
Return on capital employed6.7%5.2%2.8%10.8%19.6%
Earnings yield5.7%3.9%1.9%14.0%15.1%
Free cash flow yield6.5%5.1%2.8%12.4%16.4%
Capex / Op. cash flow35.7%29.8%45.5%25.0%10.2%
Capex / Depreciation120.2%65.7%60.5%83.9%109.4%
Capex / Sales2.5%1.6%1.7%1.6%1.2%
SG&A / Sales35.7%29.9%31.6%26.1%23.5%
R&D / Sales0.0%0.0%0.0%0.0%0.0%
Stock comp / Sales0.6%0.5%0.5%0.4%0.4%
Intangibles / Total assets49.1%46.0%46.8%46.5%41.0%
Days sales outstanding24d21d20d14d13d
Days payables outstanding0d0d0d0d0d
Operating cycle24d21d20d14d13d
Cash conversion cycle24d21d20d14d13d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap ▲+9.4%EV / Sales ▼-4.2%EV / EBITDA ▼-8.8%EV / Op. cash flow ▼-4.226Earnings yield ▲+0.017Graham number ▲+16.086
Profitability
Return on equity ▲+0.018Return on assets ▲+0.009Return on invested capital ▲+0.008Return on capital employed ▲+0.015Operating ROA ▲+0.013Income quality ▼-0.069Tax burden ▲+0.057
Efficiency
Days sales outstanding ▲+3.114Days payables outstanding n/aOperating cycle ▲+3.114Cash conversion cycle ▲+3.114Capex / Sales ▲+0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.018Net debt / EBITDA ▲+0.072Working capital ▼-76518000.000Invested capital ▲+271710000.000Intangibles / Total assets ▲+0.030

Change over 5 years

Valuation
Market cap ▼-4.6%EV / Sales ▲+23.1%EV / EBITDA ▲+114.3%EV / Op. cash flow ▲+6.237Earnings yield ▼-0.095Graham number ▼-42.708
Profitability
Return on equity ▼-0.182Return on assets ▼-0.079Return on invested capital ▼-0.105Return on capital employed ▼-0.129Operating ROA ▼-0.126Income quality ▲+0.632Tax burden ▼-0.047
Efficiency
Days sales outstanding ▲+10.568Days payables outstanding n/aOperating cycle ▲+10.568Cash conversion cycle ▲+10.568Capex / Sales ▲+0.013R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.321Net debt / EBITDA ▲+1.542Working capital ▼-242574000.000Invested capital ▲+189019000.000Intangibles / Total assets ▲+0.081

Employee count

Peer market caps