Company Analysis

Stewart Information Services Corporation (STC)

NYSE: STC · Title Insurance · Houston, TX · filing with the SEC since 1994
Grade4.2
◀ Past 4.5● Present 3.5▶ Future 4.8

The grade of Stewart Information Services Corporation

Nine metrics read from its own filings, by tense
Headline grade
4.2/10
◀ Past4.540% of the headline
● Present3.535% of the headline
▶ Future4.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.5/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
6.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 68th percentile among 11 sector filers · read for itself

From the record

Stewart Information Services Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.8/10

What has it actually done, year after year?

+4.3% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 38th percentile among 11 sector filers · read for its customers

From the record

Stewart Information Services Corporation's 10 filed years say what it did: revenue went from $2.0 billion in fiscal 2016 to $2.9 billion in fiscal 2025, up 4.3% a year; it rose in 5 of 9 years; the deepest fall was 32% from fiscal 2021 to fiscal 2023; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span4.3%top 50% of its family
  • the share of years revenue rosebottom 18% of its family
  • the share of filed years with a profittop 41% of its family
  • the deepest fall from a revenue peak31.7%bottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.2/10

How has it treated the people who own it?

Share count grew 1.5% a year. 41% of cash flow returned. Insiders: 3 sales, 19 purchases.

weight 45% of this tense · 32nd percentile among 11 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Stewart Information Services Corporation's diluted share count grew about 1.5% a year, and dividends and buybacks returned about 41% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 19 purchases of their own stock on the open market in the year to 2026-11-06, buying about $716 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 14% of its family
  • cash returned against operating cash flowtop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.4/10

Is it financially healthy right now?

ROE 7%: 7¢ of profit per shareholder dollar. Leverage 50%: owes 50¢ per asset dollar.

weight 45% of this tense · 44th percentile among 11 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Stewart Information Services Corporation earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 50 cents per dollar of assets, and net share issuance: its share count grew 1.5% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 14% of its family
  • return on equitybottom 32% of its family
  • the share count against the year beforebottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
1.7/10

How strong is its position in its industry?

bottom 17% of 11 in its family; net margin 4%.

weight 33% of this tense · 17th percentile among 11 sector filers · read for its customers

From the record

Stewart Information Services Corporation's standing among 11 graded names in its industry family: revenue of $2.9 billion in fiscal 2025 ranks in the bottom 23% by size; a net margin of 4% ranks in the bottom 5%; revenue growth of -1.6% a year over the last 3 filed years ranks in the bottom 23% (its annual reports).

What it rests on

  • revenue against the family$2.92Bbottom 23% of its family
  • net margin4.0%bottom 5% of its family
  • three-year revenue growth-1.6%bottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.5/10

What are the people in charge doing?

bottom 45% of 9 in its family for leadership; chief executive since 2019.

weight 22% of this tense · 45th percentile among 9 sector filers · read for its shareholders

From the record

Stewart Information Services Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Eppinger, Frederick H (Chief Executive Officer, as filed), filing under that title since 2019-09-23, 7.1 years (top 44% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 6.8 years (bottom 39%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge6 in three years among 20 peoplebottom 39% of its family
  • the median years the people in charge have filed6.8 yearsbottom 39% of its family
  • the chief executive's years on the record7.1 yearstop 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
0.9/10

How much room does it have to grow?

bottom 9% of 11 in its family for room to expand.

weight 33% of this tense · 9th percentile among 11 sector filers · read for itself

From the record

Stewart Information Services Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $322 million against debt of $647 million leaves -10% of its assets as net cash, bottom 5% of its family; cash from operations less capital spending is 4.5% of revenue (bottom 14%) (its annual report).

What it rests on

  • cash less debt against assets-10.0%bottom 5% of its family
  • cash from operations less capital spending against revenue4.5%bottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.2/10

What could actually drive growth from here?

top 38% of 11 in its family for growth drivers.

weight 33% of this tense · 62nd percentile among 11 sector filers · read for its customers

From the record

Stewart Information Services Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew -1.6% a year over the last three filed years against 4.3% over all 10, slowing (bottom 32% of its family); the newest year grew 17.3% (top 14%); capital spending grew 15.3% a year (top 31%) (its annual reports). Stewart Information Services Corporation reported 2 lines of business in fiscal 2025: Title at $2.5 billion, Real Estate Solutions at $438 million. 2 of 2 grew in the latest filed year, and the largest line is 85% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span-5.9 points a yearbottom 32% of its family
  • the newest year's revenue growth17.3%top 14% of its family
  • three-year growth of capital spending15.3%top 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
7.1/10

Did its newest year beat what its own record pointed to?

top 29% of 11 in its family for expectations against reality.

weight 33% of this tense · 71st percentile among 11 sector filers · read for its shareholders

From the record

Stewart Information Services Corporation's newest year against its own record: revenue of $2.9 billion in fiscal 2025 came in 30.2% above the $2.2 billion its prior three years' pace pointed to (top 14% of its family); net income of $116 million against a prior three-year average of $89 million (top 32%); a net margin of 4% against 3.2% before (top 41%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace30.2%top 14% of its family
  • net income against the prior three years' average+30%top 32% of its family
  • net margin against its prior average+0.8 pointstop 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton STC · research, not advice