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
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.
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
- 2026-10-22 Recent Results Show Another Quarter Of Disappointment For Stewart Information Services Stewart Information Services reported its second straight earnings miss of 2026 and faces persistent industry headwinds, justifying a continued Hold rating. Despite revenue growth in both core and real estate solutions segments, rising expenses and margin compression undermine STC''s near-term outlook. STC''s shares trade below their book value, but high goodwill and intangibles result in negative tangible book value, limiting downside protection.
- 2026-10-22 Stewart Information Services Corporation (STC) Q3 2026 Earnings Call Transcript Stewart Information Services Corporation ( STC ) Q3 2026 Earnings Call October 22, 2026 8:30 AM EDT Company Participants Brian Glaze - Principal Accounting Officer, Senior VP & Controller Frederick Eppinger - CEO & Director David Hisey - CFO & Treasurer Conference Call Participants Bose George - Keefe, Bruyette, & Woods, Inc., Research Division Oscar Nieves Santana - Stephens Inc., Research Division Presentation Operator Hello, and thank you for joining the Stewart Information Services Third Quarter 2026 Earnings Call. [Operator Instructions] Please note today''s call is being recorded.
- 2026-10-22 What Stewart Information Services (STC) Said on Its Q3 Earnings Call Stewart Information Services NYSE: STC reported third-quarter 2026 net income of $30 million, or $0.98 per diluted share, compared with $44 million, or $1.55 per share, a year earlier, as higher mortgage rates and weaker residential transaction activity pressured margins. On an adjusted basis, net income was $41 million, or $1.33 per diluted share, down from $47 million, or $1.64 per share, in the prior-year quarter.
- 2026-10-21 Stewart Reports Third Quarter 2026 Results Total revenues of $900.7 million (GAAP and adjusted basis) compared to $796.9 million ($791.3 million on an adjusted basis) in the prior year quarter Net income of $30.3 million ($41.2 million on an adjusted basis) compared to net income of $44.3 million ($46.7 million on an adjusted basis) in the prior year quarter Diluted EPS of $0.98 ($1.33 on an adjusted basis) compared to prior year quarter diluted EPS of $1.55 ($1.64 on an adjusted basis) HOUSTON, Oct. 21, 2026 /PRNewswire/ -- Stewart Information Services Corporation (NYSE: STC) today reported net income attributable to Stewart of $30.3 million ($0.98 per diluted share) for the third quarter 2026, compared to net income attributable to Stewart of $44.3 million ($1.55 per diluted share) for the third quarter 2025. On an adjusted basis, net income for the third quarter 2026 was $41.2 million ($1.33 per diluted share) compared to net income of $46.7 million ($1.64 per diluted share) in the third quarter 2025.
- 2026-10-13 AVCON RECEIVES FAA STC FOR HONEYWELL AEROSPACE REPLACEMENT EGPWS ON BOMBARDIER AND LEARJET AIRCRAFT Approval provides a replacement path for Mark V computers using existing avionics racks OLATHE, Kan., Oct. 13, 2026 /PRNewswire/ -- Avcon Industries, Inc., a subsidiary of Butler National Corporation (OTCQX: BUKS), a leading manufacturer and systems integrator for special mission aircraft modifications, announces Federal Aviation Administration (FAA) Supplemental Type Certificate (STC) approval of the installation of the Honeywell Aerospace MKV-A Enhanced Ground Proximity Warning System (EGPWS).
- 2026-10-12 Stewart Information Services Corporation Announces Third Quarter 2026 Earnings Conference Call HOUSTON--(BUSINESS WIRE)--Stewart Information Services Corporation (NYSE: STC) announced today it will hold a conference call to discuss third quarter 2026 earnings at 8:30 a.m. Eastern Time on Thursday, October 22, 2026. The call will follow the company''s release of earnings after the close of trading on Wednesday, October 21. Individuals wishing to participate can dial (833) 419-0865 (USA) and (785) 838-9333 (International) – access code STCQ326. The conference call replay will be available f.
- 2026-10-01 Stewart Information Services Corporation (NYSE:STC) Stock Now Rated “Moderate Buy” by Wall Street Analysts Stewart Information Services Corporation (NYSE: STC - Get Free Report) has earned a consensus recommendation of "Moderate Buy" from the six analysts that are covering the company, MarketBeat Ratings reports. Two analysts have rated the stock with a hold recommendation and four have given a buy recommendation to the company. The average 12-month target price among
- 2026-10-01 Stewart Information Services (NYSE:STC) Sets New 52-Week Low – What’s Next? Stewart Information Services Corporation (NYSE: STC - Get Free Report) shares hit a new 52-week low during mid-day trading on Tuesday. The company traded as low as $57.00 and last traded at $57.1570, with a volume of 7609 shares traded. The stock had previously closed at $57.54. Analyst Ratings Changes STC has been the topic of
- 2026-09-23 PropStream Introduces AI Search, Making Property Search Faster and More Conversational PropStream, the leading real estate platform, announced the launch of AI Search, a new enhancement to Property Search that allows real estate professionals to f
- 2026-09-13 Dividend Announcements: August 29 - September 4, 2026 In this article series, I summarize dividend announcements of the past week. This week, 5 stocks announced dividend increases, one announced a cut, and one announced a special. BRC and PECO are the only Investment Grade stocks among this week''s dividend announcers, both trading near fair value with robust safety profiles. CPB''s 35.90% dividend cut signals severe safety deterioration, while VICI and LAMR present high yields but carry notable safety and growth concerns.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 87.7% | 96.8% | 96.4% | 96.7% | 96.2% | |
| Ebit Margin | 6.2% | 5.4% | 3.6% | 8.2% | 13.3% | |
| Ebitda Margin | 8.3% | 7.9% | 6.3% | 10.0% | 14.4% | |
| Operating Profit Margin | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% | |
| Pretax Profit Margin | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% | |
| Continuous Operations Profit Margin | 4.5% | 3.5% | 2.0% | 5.9% | 10.3% | |
| Net Profit Margin | 4.0% | 2.9% | 1.3% | 5.3% | 9.8% | |
| Bottom Line Profit Margin | 4.0% | 2.9% | 1.3% | 5.3% | 9.8% | |
| Current Ratio | 0.720 | 0.738 | 0.718 | 0.678 | 1.041 | |
| Quick Ratio | 0.720 | 0.738 | 0.718 | 0.678 | 1.041 | |
| Solvency Ratio | 0.110 | 0.102 | 0.070 | 0.160 | 0.237 | |
| Cash Ratio | 0.414 | 0.401 | 0.422 | 0.431 | 0.812 | |
| Price To Earnings Ratio | 17.221 | 25.468 | 52.928 | 7.145 | 6.617 | |
| Price To Earnings Growth Ratio | 0.319 | 0.184 | -0.650 | -0.142 | 0.071 | |
| Forward Price To Earnings Growth Ratio | 0.319 | 0.184 | -0.650 | -0.142 | 0.071 | |
| Price To Earnings Diluted Ratio | 17.391 | 25.858 | 52.928 | 7.194 | 6.700 | |
| Price To Earnings Diluted Growth Ratio | 0.317 | 0.191 | -0.651 | -0.144 | 0.073 | |
| Price To Book Ratio | 1.243 | 1.330 | 1.169 | 0.851 | 1.668 | |
| Price To Sales Ratio | 0.698 | 0.749 | 0.710 | 0.378 | 0.647 | |
| Price To Free Cash Flow Ratio | 15.425 | 19.598 | 35.435 | 8.055 | 6.101 | |
| Price To Operating Cash Flow Ratio | 9.920 | 13.750 | 19.309 | 6.042 | 5.479 | |
| Debt To Assets Ratio | 0.236 | 0.207 | 0.215 | 0.217 | 0.225 | |
| Debt To Equity Ratio | 0.468 | 0.403 | 0.424 | 0.437 | 0.494 | |
| Debt To Capital Ratio | 0.319 | 0.287 | 0.298 | 0.304 | 0.331 | |
| Long Term Debt To Capital Ratio | 0.214 | 0.241 | 0.245 | 0.247 | 0.273 | |
| Financial Leverage Ratio | 1.982 | 1.947 | 1.971 | 2.010 | 2.194 | |
| Working Capital Turnover Ratio | -16.250 | -16.739 | -13.213 | -38.095 | 269.684 | |
| Operating Cash Flow Ratio | 0.264 | 0.251 | 0.150 | 0.333 | 0.652 | |
| Operating Cash Flow Sales Ratio | 0.070 | 0.054 | 0.037 | 0.063 | 0.118 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.643 | 0.702 | 0.545 | 0.750 | 0.898 | |
| Debt Service Coverage Ratio | 0.935 | 8.521 | 6.474 | 13.985 | 75.810 | |
| Interest Coverage Ratio | 8.098 | 5.740 | 3.084 | 12.642 | 86.259 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.028 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.268 | 0.240 | 0.143 | 0.322 | 0.617 | |
| Capital Expenditure Coverage Ratio | 2.802 | 3.351 | 2.197 | 4.001 | 9.807 | |
| Dividend Paid And Capex Coverage Ratio | 1.559 | 1.437 | 0.940 | 2.071 | 5.106 | |
| Dividend Payout Ratio | 0.506 | 0.735 | 1.660 | 0.275 | 0.113 | |
| Enterprise Value Multiple | 10.303 | 11.300 | 13.639 | 4.886 | 4.808 |
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
| Metric | Current | vs 1Y ago | vs 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 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 / Sales | 0.85x | 0.89x | 0.86x | 0.49x | 0.69x | |
| EV / Op. cash flow | 12.09x | 16.32x | 23.50x | 7.85x | 5.86x | |
| EV / Free cash flow | 18.80x | 23.26x | 43.12x | 10.46x | 6.52x | |
| EV / EBITDA | 10.30x | 11.30x | 13.64x | 4.89x | 4.81x | |
| Net debt / EBITDA | 1.85x | 1.78x | 2.43x | 1.12x | 0.31x | |
| Current ratio | 0.72x | 0.74x | 0.72x | 0.68x | 1.04x | |
| Income quality | 1.78x | 1.85x | 2.73x | 1.18x | 1.15x | |
| Graham number | $71 | $55 | $36 | $82 | $114 | |
| Graham net-net | -$38 | -$35 | -$35 | -$37 | -$35 | |
| Tax burden | 69.8% | 64.1% | 50.0% | 69.8% | 74.5% | |
| Interest burden | 91.8% | 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 assets | 3.6% | 2.7% | 1.1% | 5.9% | 11.5% | |
| Operating ROA | 5.5% | 4.2% | 2.2% | 8.4% | 18.1% | |
| Return on tangible assets | 7.0% | 5.0% | 2.1% | 11.1% | 19.5% | |
| Return on equity | 7.0% | 5.2% | 2.2% | 11.9% | 25.2% | |
| Return on invested capital | 4.9% | 4.0% | 2.1% | 8.4% | 15.3% | |
| Return on capital employed | 6.7% | 5.2% | 2.8% | 10.8% | 19.6% | |
| Earnings yield | 5.7% | 3.9% | 1.9% | 14.0% | 15.1% | |
| Free cash flow yield | 6.5% | 5.1% | 2.8% | 12.4% | 16.4% | |
| Capex / Op. cash flow | 35.7% | 29.8% | 45.5% | 25.0% | 10.2% | |
| Capex / Depreciation | 120.2% | 65.7% | 60.5% | 83.9% | 109.4% | |
| Capex / Sales | 2.5% | 1.6% | 1.7% | 1.6% | 1.2% | |
| SG&A / Sales | 35.7% | 29.9% | 31.6% | 26.1% | 23.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.5% | 0.5% | 0.4% | 0.4% | |
| Intangibles / Total assets | 49.1% | 46.0% | 46.8% | 46.5% | 41.0% | |
| Days sales outstanding | 24d | 21d | 20d | 14d | 13d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 24d | 21d | 20d | 14d | 13d | |
| Cash conversion cycle | 24d | 21d | 20d | 14d | 13d |
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
Change over 5 years