(STC) Stewart Information - Overview
Stock: Title Insurance, Appraisal Services, Digital Closing, Property Exchange, Data
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.95% |
| Yield on Cost 5y | 4.83% |
| Yield CAGR 5y | 10.70% |
| Payout Consistency | 80.8% |
| Payout Ratio | 42.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.2% |
| Relative Tail Risk | -9.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.26 |
| Alpha | 1.09 |
| Character TTM | |
|---|---|
| Beta | 0.588 |
| Beta Downside | 0.553 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.70% |
| CAGR/Max DD | 0.79 |
Description: STC Stewart Information January 16, 2026
Stewart Information Services Corp. (NYSE: STC) is a Houston-based provider of title insurance and a suite of real-estate transaction services, operating both domestically and internationally. Its core activities include title searching, examination, closing, and insurance, supplemented by home and personal insurance, tax-deferred exchange services, and a digital customer-engagement platform. The firm also offers appraisal management, online notarization, credit and real-estate data, and valuation-management solutions to a broad client base that spans homebuyers, sellers, lenders, title agents, attorneys, and builders.
Key operating metrics that investors watch include STC’s 2023 revenue of roughly $2.5 billion and an adjusted EPS of $4.12, reflecting an operating margin near 30 %. The company’s performance is tightly linked to U.S. residential mortgage origination volumes, which are in turn driven by the prevailing interest-rate environment and housing-market inventory levels. Recent sector trends-such as the acceleration of digital closing workflows and the growing adoption of e-notarization-have bolstered STC’s non-insurance service revenue, which grew at a double-digit rate year-over-year.
For a deeper quantitative look at STC’s valuation and risk profile, you might explore ValueRay’s analyst toolkit.
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: 127.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -2479 > 1.0 |
| NWC/Revenue: 14.5k% < 20% (prev -2.33%; Δ 14.5k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 184.1m > Net Income 127.2m |
| Current Ratio: -6.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.1m) vs 12m ago 2.77% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 0.26% > 50% (prev 91.22%; Δ -90.96% > 0%) |
| Interest Coverage Ratio: 8.69 > 6 (EBITDA TTM 174.5m / Interest Expense TTM 14.8m) |
Altman Z'' 5.51
| A: 0.18 (Total Current Assets 369.67b - Total Current Liabilities -53.07b) / Total Assets 2287.94b |
| B: 0.50 (Retained Earnings 1145.41b / Total Assets 2287.94b) |
| C: 0.00 (EBIT TTM 128.7m / Avg Total Assets 1145.34b) |
| D: 2.54 (Book Value of Equity 1643.75b / Total Liabilities 646.86b) |
| Altman-Z'' Score: 5.51 = AAA |
What is the price of STC shares?
Over the past week, the price has changed by +4.55%, over one month by +4.83%, over three months by +0.13% and over the past year by +10.28%.
Is STC a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the STC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 81 | 13.4% |
| Analysts Target Price | 81 | 13.4% |
| ValueRay Target Price | 80.7 | 13% |
STC Fundamental Data Overview February 07, 2026
P/S = 0.7319
P/B = 1.4118
P/EG = 3.04
Revenue TTM = 2.92b USD
EBIT TTM = 128.7m USD
EBITDA TTM = 174.5m USD
Long Term Debt = 446.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 646.61b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 324.83b USD (from netDebt column, last quarter)
Enterprise Value = 279.07b USD (2.14b + Debt 646.61b - CCE 369.67b)
Interest Coverage Ratio = 8.69 (Ebit TTM 128.7m / Interest Expense TTM 14.8m)
EV/FCF = 1000.0x (Enterprise Value 279.07b / FCF TTM 125.6m)
FCF Yield = 0.05% (FCF TTM 125.6m / Enterprise Value 279.07b)
FCF Margin = 4.30% (FCF TTM 125.6m / Revenue TTM 2.92b)
Net Margin = 4.35% (Net Income TTM 127.2m / Revenue TTM 2.92b)
Gross Margin = unknown ((Revenue TTM 2.92b - Cost of Revenue TTM 58.7m) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 279.07b / Total Assets 2287.94b)
Interest Expense / Debt = 0.00% (Interest Expense 4.90m / Debt 646.61b)
Taxrate = 21.0% (US default 21%)
NOPAT = 101.6m (EBIT 128.7m * (1 - 21.00%))
Current Ratio = unknown (Total Current Assets 369.67b / Total Current Liabilities -53.07b)
Debt / Equity = 0.39 (Debt 646.61b / totalStockholderEquity, last quarter 1641.08b)
Debt / EBITDA = 1861 (out of range, set to none) (Net Debt 324.83b / EBITDA 174.5m)
Debt / FCF = 2586 (out of range, set to none) (Net Debt 324.83b / FCF TTM 125.6m)
Total Stockholder Equity = 411.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.01% (Net Income 127.2m / Total Assets 2287.94b)
RoE = 0.03% (Net Income TTM 127.2m / Total Stockholder Equity 411.35b)
RoCE = 0.03% (EBIT 128.7m / Capital Employed (Equity 411.35b + L.T.Debt 446.1m))
RoIC = 5.40% (NOPAT 101.6m / Invested Capital 1.88b)
WACC = 0.03% (E(2.14b)/V(648.75b) * Re(8.08%) + D(646.61b)/V(648.75b) * Rd(0.00%) * (1-Tc(0.21)))
Discount Rate = 8.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.33%
[DCF Debug] Terminal Value 83.44% ; FCFF base≈27.15b ; Y1≈21.18b ; Y5≈13.65b
Fair Price DCF = 3192 (EV 421.31b - Net Debt 324.83b = Equity 96.48b / Shares 30.2m; r=5.90% [WACC]; 5y FCF grow -26.19% → 2.90% )
EPS Correlation: -1.59 | EPS CAGR: -5.38% | SUE: 1.58 | # QB: 3
Revenue Correlation: 1.27 | Revenue CAGR: -2.00% | SUE: 0.31 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.57 | Chg30d=-0.043 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=5.85 | Chg30d=+0.090 | Revisions Net=+1 | Growth EPS=+19.6% | Growth Revenue=+13.4%
EPS next Year (2027-12-31): EPS=7.46 | Chg30d=+0.035 | Revisions Net=+1 | Growth EPS=+27.5% | Growth Revenue=+6.9%