📊 STC Key Takeaways
Is Stewart Information Services Corp. (STC) a Good Investment?
Stewart Information Services demonstrates exceptional financial stability with fortress-like balance sheet strength (0.27x D/E, 32.7x interest coverage) and healthy free cash flow generation. However, concerning profitability deterioration—net income declined 11.2% YoY despite modest revenue growth—combined with weak margins (4.0% net, 7.0% ROE) suggests the business faces structural headwinds in the cyclical title insurance sector.
Why Buy Stewart Information Services Corp. Stock? STC Key Strengths
- Fortress balance sheet with very low leverage (0.27x D/E) and excellent interest coverage (32.7x)
- Strong free cash flow generation of $132.3M annually with solid cash reserves of $321.8M
- Disciplined capital management reflected in EPS growth despite net income decline
STC Stock Risks: Stewart Information Services Corp. Investment Risks
- Profitability deterioration with net income down 11.2% YoY while revenue growth slowed to 2.2%
- Weak profitability metrics across all measures (4.0% net margin, 5.7% operating margin, 7.0% ROE)
- Title insurance sector cyclicality—vulnerable to real estate transaction volumes and mortgage rate sensitivity
Key Metrics to Watch
- Operating margin stabilization and recovery trend
- Revenue growth acceleration and organic growth rates
- Return on equity improvement and operating leverage recovery
Stewart Information Services Corp. (STC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 4.5% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
STC Profit Margin, ROE & Profitability Analysis
STC vs Finance Sector: How Stewart Information Services Corp. Compares
How Stewart Information Services Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Stewart Information Services Corp. Stock Overvalued? STC Valuation Analysis 2026
Based on fundamental analysis, Stewart Information Services Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Stewart Information Services Corp. Balance Sheet: STC Debt, Cash & Liquidity
STC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Stewart Information Services Corp.'s revenue has grown significantly by 69% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.11 reflects profitable operations.
STC Revenue Growth, EPS Growth & YoY Performance
STC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2024 | $519.5M | $3.1M | $0.11 |
| Q3 2023 | $590.3M | $14.0M | $0.51 |
| Q2 2023 | $538.1M | $7.6M | $0.28 |
| Q1 2023 | $519.5M | -$8.2M | $-0.30 |
| Q3 2022 | $717.6M | $29.4M | $1.08 |
| Q2 2022 | $802.0M | $61.7M | $2.26 |
| Q1 2022 | $681.4M | $54.2M | $2.01 |
| Q3 2021 | $590.7M | $55.9M | $2.21 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Stewart Information Services Corp. Dividends, Buybacks & Capital Allocation
STC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Stewart Information Services Corp. (CIK: 0000094344)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774653307.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774653003.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774652701.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774652334.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774651798.xml | View → |
❓ Frequently Asked Questions about STC
What is the AI rating for STC?
Stewart Information Services Corp. (STC) has an AI rating of HOLD with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are STC's key strengths?
Claude: Fortress balance sheet with very low leverage (0.27x D/E) and excellent interest coverage (32.7x). Strong free cash flow generation of $132.3M annually with solid cash reserves of $321.8M.
What are the risks of investing in STC?
Claude: Profitability deterioration with net income down 11.2% YoY while revenue growth slowed to 2.2%. Weak profitability metrics across all measures (4.0% net margin, 5.7% operating margin, 7.0% ROE).
What is STC's revenue and growth?
Stewart Information Services Corp. reported revenue of $2.9B.
Does STC pay dividends?
Stewart Information Services Corp. pays dividends, with $58.5M distributed to shareholders in the trailing twelve months.
Where can I find STC SEC filings?
Official SEC filings for Stewart Information Services Corp. (CIK: 0000094344) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is STC's EPS?
Stewart Information Services Corp. has a diluted EPS of $4.05.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is STC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Stewart Information Services Corp. has a HOLD rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is STC stock overvalued or undervalued?
Valuation metrics for STC: ROE of 7.0% (sector avg: 12%), net margin of 4.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy STC stock in 2026?
Our dual AI analysis gives Stewart Information Services Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is STC's free cash flow?
Stewart Information Services Corp.'s operating cash flow is $205.7M, with capital expenditures of $73.4M. FCF margin is 4.5%.
How does STC compare to other Finance stocks?
Vs Finance sector averages: Net margin 4.0% (avg: 25%), ROE 7.0% (avg: 12%), current ratio N/A (avg: 1.2).