STC Financial Services

Stewart Information Services Corporation

$44.76-2.12%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Insurance - Property & Casualty
Country: United States
Market cap: 1.4B USD
Full-time employees: 8,100

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: growing faster than most peersgrowing faster than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #46 of 791 banks & insurance companies (top 6%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 13% from December 2022 to July 2026.
Stewart Information Services had 13% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Stewart Information Services had 13% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.
Stock pay outran buybacks. Stock-based pay expense $42M vs $10M spent repurchasing shares over the 3 fiscal years to 2025.
Over three fiscal years Stewart Information Services recorded $42M of stock-based pay expense and spent $10M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years Stewart Information Services recorded $42M of stock-based pay expense and spent $10M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.
Swings more than its peers. Beta 0.99: swings more than most peers, though less than the market.
Stewart Information Services's shares have swung more with the market than most peers' (beta 0.99).

StockQuotient Score

79/ 100

Oct 5 77 → Nov 4 79 (+2)

Valuation

Is the price right?

76/100

Moderate▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 78 → 76

Share price +2.9%-1
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ P/B
▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield121.8%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.49Sector median: 0.7950 · MAD: 0.2843

Earnings yield9.9%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.78Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield15.5%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield11.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

78/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 5.7%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth40.7%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 1.39Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth10.1%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth22.5%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

82/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets4.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 4.67Sector median: 0.0117 · MAD: 0.0062

Return on equity8.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.68Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Stewart Information Services

Is Stewart Information Services getting weaker?: Its latest SEC filing (Aug 4, 2026) showed no major changes. Its overall score is unchanged at 79/100 since Oct 28, 2026.
How is Stewart Information Services valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 76/100 against 950 banks & insurance peers. Book yield 121.8% vs a peer median of 79.5% (stronger than 79% of peers).Book yield 121.8% vs peers 79.5% (stronger than 79% of peers).
Is Stewart Information Services growing?: Yes, faster than most of its peers. Growth scores 78/100 against 950 banks & insurance peers. Earnings per share growth 40.7% vs a peer median of 16.0% (stronger than 78% of peers).Earnings per share growth 40.7% vs peers 16.0% (stronger than 78% of peers).
How profitable is Stewart Information Services?: More profitable than most of its peers. Profitability scores 82/100 against 950 banks & insurance peers. Return on assets 4.1% vs a peer median of 1.2% (stronger than 89% of peers).Return on assets 4.1% vs peers 1.2% (stronger than 89% of peers). Return on equity 8.1% vs a peer median of 10.7% (weaker than 70% of peers).Return on equity 8.1% vs peers 10.7% (weaker than 70% of peers).
How risky is Stewart Information Services?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 4, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	3.1B USD	3.3B USD	+5.7%
Net income (12 months)	129.4M USD	134.7M USD	+4.1%
Free cash flow (12 months)	153.6M USD	150.0M USD	−2.4%
Debt	646.7M USD	646.7M USD	−0.0%
Cash	271.2M USD	261.6M USD	−3.5%
Shares outstanding	30.4M	30.5M	+0.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Insurance - Property & Casualty · 31 companies

Valuations in Insurance - Property & Casualty are within their usual range since 2016.

48% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +14% and earnings +58% (medians): earnings grew faster than prices.
Median price-to-book is −38% vs the whole market, against a usual −47%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	9.8%	5.3%	1.3%	2.9%	4.0%	▲ 1.0 pts
Return on assets (ROA)	11.5%	5.9%	1.1%	2.7%	3.6%	▲ 0.9 pts
Return on equity (ROE)	25.2%	11.9%	2.2%	5.2%	7.0%	▲ 1.8 pts
Debt to equity	0.38×	0.33×	0.32×	0.32×	0.39×	▲ 24%

STC price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: growing faster than most peersgrowing faster than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #46 of 791 banks & insurance companies (top 6%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 13% from December 2022 to July 2026.

Stewart Information Services had 13% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Stewart Information Services had 13% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Stock pay outran buybacks. Stock-based pay expense $42M vs $10M spent repurchasing shares over the 3 fiscal years to 2025.

Over three fiscal years Stewart Information Services recorded $42M of stock-based pay expense and spent $10M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years Stewart Information Services recorded $42M of stock-based pay expense and spent $10M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.

Swings more than its peers. Beta 0.99: swings more than most peers, though less than the market.

Stewart Information Services's shares have swung more with the market than most peers' (beta 0.99).

Questions investors ask about Stewart Information Services

Is Stewart Information Services getting weaker?

Its latest SEC filing (Aug 4, 2026) showed no major changes. Its overall score is unchanged at 79/100 since Oct 28, 2026.

How is Stewart Information Services valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 76/100 against 950 banks & insurance peers. Book yield 121.8% vs a peer median of 79.5% (stronger than 79% of peers).Book yield 121.8% vs peers 79.5% (stronger than 79% of peers).

Is Stewart Information Services growing?

Yes, faster than most of its peers. Growth scores 78/100 against 950 banks & insurance peers. Earnings per share growth 40.7% vs a peer median of 16.0% (stronger than 78% of peers).Earnings per share growth 40.7% vs peers 16.0% (stronger than 78% of peers).

How profitable is Stewart Information Services?

More profitable than most of its peers. Profitability scores 82/100 against 950 banks & insurance peers. Return on assets 4.1% vs a peer median of 1.2% (stronger than 89% of peers).Return on assets 4.1% vs peers 1.2% (stronger than 89% of peers). Return on equity 8.1% vs a peer median of 10.7% (weaker than 70% of peers).Return on equity 8.1% vs peers 10.7% (weaker than 70% of peers).

How risky is Stewart Information Services?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

3.1B USD

3.3B USD

+5.7%

Net income (12 months)

129.4M USD

134.7M USD

+4.1%

Free cash flow (12 months)

153.6M USD

150.0M USD

−2.4%

Debt

646.7M USD

646.7M USD

−0.0%

Cash

271.2M USD

261.6M USD

−3.5%

Shares outstanding

30.4M

30.5M

+0.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

9.8%

5.3%

1.3%

2.9%

4.0%

▲ 1.0 pts

Return on assets (ROA)

11.5%

5.9%

1.1%

2.7%

3.6%

▲ 0.9 pts

Return on equity (ROE)

25.2%

11.9%

2.2%

5.2%

7.0%

▲ 1.8 pts

Debt to equity

0.38×

0.33×

0.32×

0.39×

▲ 24%