STEWART INFORMATION SERVICES (STC) Fundamental Analysis & Valuation

NYSE:STC • US8603721015

67 USD
-2.09 (-3.03%)
At close: Mar 6, 2026
67 USD
0 (0%)
After Hours: 3/6/2026, 5:05:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This STC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, STC scores 4 out of 10 in our fundamental rating. STC was compared to 149 industry peers in the Insurance industry. STC may be in some trouble as it scores bad on both profitability and health. STC has a decent growth rate and is not valued too expensively. STC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. STC Profitability Analysis

1.1 Basic Checks

  • In the past year STC was profitable.
  • STC had a positive operating cash flow in the past year.
  • In the past 5 years STC has always been profitable.
  • Of the past 5 years STC 4 years had a positive operating cash flow.
STC Yearly Net Income VS EBIT VS OCF VS FCFSTC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of STC (3.58%) is better than 71.81% of its industry peers.
  • With a Return On Equity value of 6.92%, STC is not doing good in the industry: 63.09% of the companies in the same industry are doing better.
  • STC has a better Return On Invested Capital (4.94%) than 74.50% of its industry peers.
  • STC had an Average Return On Invested Capital over the past 3 years of 3.88%. This is significantly below the industry average of 15.27%.
  • The 3 year average ROIC (3.88%) for STC is below the current ROIC(4.94%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.58%
ROE 6.92%
ROIC 4.94%
ROA(3y)2.45%
ROA(5y)4.96%
ROE(3y)4.83%
ROE(5y)10.32%
ROIC(3y)3.88%
ROIC(5y)6.84%
STC Yearly ROA, ROE, ROICSTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • With a Profit Margin value of 3.65%, STC is not doing good in the industry: 71.14% of the companies in the same industry are doing better.
  • STC's Profit Margin has declined in the last couple of years.
  • STC has a worse Operating Margin (5.64%) than 74.50% of its industry peers.
  • In the last couple of years the Operating Margin of STC has declined.
Industry RankSector Rank
OM 5.64%
PM (TTM) 3.65%
GM N/A
OM growth 3Y-8.01%
OM growth 5Y-8%
PM growth 3Y-9.23%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
STC Yearly Profit, Operating, Gross MarginsSTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. STC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), STC is destroying value.
  • Compared to 1 year ago, STC has more shares outstanding
  • The number of shares outstanding for STC has been increased compared to 5 years ago.
  • Compared to 1 year ago, STC has a worse debt to assets ratio.
STC Yearly Shares OutstandingSTC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
STC Yearly Total Debt VS Total AssetsSTC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • STC has a debt to FCF ratio of 3.55. This is a good value and a sign of high solvency as STC would need 3.55 years to pay back of all of its debts.
  • STC has a Debt to FCF ratio of 3.55. This is comparable to the rest of the industry: STC outperforms 44.30% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that STC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.30, STC perfoms like the industry average, outperforming 52.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.55
Altman-Z N/A
ROIC/WACC0.64
WACC7.73%
STC Yearly LT Debt VS Equity VS FCFSTC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STC Yearly Current Assets VS Current LiabilitesSTC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. STC Growth Analysis

3.1 Past

  • STC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.81%, which is quite impressive.
  • Measured over the past years, STC shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.21% on average per year.
  • Looking at the last year, STC shows a quite strong growth in Revenue. The Revenue has grown by 17.29% in the last year.
  • The Revenue has been growing slightly by 5.01% on average over the past years.
EPS 1Y (TTM)44.81%
EPS 3Y-9.48%
EPS 5Y-4.21%
EPS Q2Q%47.32%
Revenue 1Y (TTM)17.29%
Revenue growth 3Y-1.63%
Revenue growth 5Y5.01%
Sales Q2Q%18.71%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.75% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.30% on average over the next years. This is quite good.
EPS Next Y21.08%
EPS Next 2Y24.24%
EPS Next 3Y14.64%
EPS Next 5Y19.75%
Revenue Next Year13.4%
Revenue Next 2Y10.22%
Revenue Next 3Y10.3%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
STC Yearly Revenue VS EstimatesSTC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
STC Yearly EPS VS EstimatesSTC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

4

4. STC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.73 indicates a correct valuation of STC.
  • STC's Price/Earnings is on the same level as the industry average.
  • STC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • STC is valuated reasonably with a Price/Forward Earnings ratio of 11.34.
  • The rest of the industry has a similar Price/Forward Earnings ratio as STC.
  • STC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 13.73
Fwd PE 11.34
STC Price Earnings VS Forward Price EarningsSTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of STC is on the same level as its industry peers.
  • STC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. STC is more expensive than 60.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.12
EV/EBITDA 10.7
STC Per share dataSTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • STC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • STC's earnings are expected to grow with 14.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y24.24%
EPS Next 3Y14.64%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. STC Dividend Analysis

5.1 Amount

  • STC has a Yearly Dividend Yield of 3.00%.
  • Compared to an average industry Dividend Yield of 2.50, STC pays a bit more dividend than its industry peers.
  • STC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3%

5.2 History

  • The dividend of STC is nicely growing with an annual growth rate of 10.37%!
  • STC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • STC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.37%
Div Incr Years4
Div Non Decr Years15
STC Yearly Dividends per shareSTC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • STC pays out 55.39% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of STC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.39%
EPS Next 2Y24.24%
EPS Next 3Y14.64%
STC Yearly Income VS Free CF VS DividendSTC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
STC Dividend Payout.STC Dividend Payout, showing the Payout Ratio.STC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

STC Fundamentals: All Metrics, Ratios and Statistics

STEWART INFORMATION SERVICES

NYSE:STC (3/6/2026, 5:05:00 PM)

After market: 67 0 (0%)

67

-2.09 (-3.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-21
Inst Owners94.04%
Inst Owner Change4.78%
Ins Owners1.6%
Ins Owner Change-0.08%
Market Cap2.02B
Revenue(TTM)2.92B
Net Income(TTM)102.00M
Analysts76.67
Price Target82.96 (23.82%)
Short Float %1.54%
Short Ratio1.83
Dividend
Industry RankSector Rank
Dividend Yield 3%
Yearly Dividend1.96
Dividend Growth(5Y)10.37%
DP55.39%
Div Incr Years4
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.81%
Min EPS beat(2)11.96%
Max EPS beat(2)17.66%
EPS beat(4)3
Avg EPS beat(4)5.89%
Min EPS beat(4)-25.74%
Max EPS beat(4)19.67%
EPS beat(8)6
Avg EPS beat(8)32.1%
EPS beat(12)7
Avg EPS beat(12)15.34%
EPS beat(16)10
Avg EPS beat(16)17.52%
Revenue beat(2)2
Avg Revenue beat(2)7.46%
Min Revenue beat(2)7.02%
Max Revenue beat(2)7.91%
Revenue beat(4)4
Avg Revenue beat(4)4.7%
Min Revenue beat(4)1.75%
Max Revenue beat(4)7.91%
Revenue beat(8)7
Avg Revenue beat(8)3.03%
Revenue beat(12)9
Avg Revenue beat(12)1.77%
Revenue beat(16)12
Avg Revenue beat(16)5.05%
PT rev (1m)-0.2%
PT rev (3m)4.27%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)12.83%
EPS NY rev (1m)1.57%
EPS NY rev (3m)8.94%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)-0.45%
Revenue NY rev (3m)3.04%
Valuation
Industry RankSector Rank
PE 13.73
Fwd PE 11.34
P/S 0.72
P/FCF 16.12
P/OCF 11
P/B 1.37
P/tB 10.35
EV/EBITDA 10.7
EPS(TTM)4.88
EY7.28%
EPS(NY)5.91
Fwd EY8.82%
FCF(TTM)4.16
FCFY6.2%
OCF(TTM)6.09
OCFY9.09%
SpS92.56
BVpS48.76
TBVpS6.47
PEG (NY)0.65
PEG (5Y)N/A
Graham Number73.17
Profitability
Industry RankSector Rank
ROA 3.58%
ROE 6.92%
ROCE 6.35%
ROIC 4.94%
ROICexc 5.35%
ROICexgc 16.17%
OM 5.64%
PM (TTM) 3.65%
GM N/A
FCFM 4.49%
ROA(3y)2.45%
ROA(5y)4.96%
ROE(3y)4.83%
ROE(5y)10.32%
ROIC(3y)3.88%
ROIC(5y)6.84%
ROICexc(3y)4.31%
ROICexc(5y)8.03%
ROICexgc(3y)14.55%
ROICexgc(5y)25.62%
ROCE(3y)4.98%
ROCE(5y)8.78%
ROICexgc growth 3Y-6.91%
ROICexgc growth 5Y-4.81%
ROICexc growth 3Y-14.61%
ROICexc growth 5Y-16.91%
OM growth 3Y-8.01%
OM growth 5Y-8%
PM growth 3Y-9.23%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.98
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.55
Debt/EBITDA 2.04
Cap/Depr 95.27%
Cap/Sales 2.09%
Interest Coverage 250
Cash Conversion 83.98%
Profit Quality 123.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.73%
ROIC/WACC0.64
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.81%
EPS 3Y-9.48%
EPS 5Y-4.21%
EPS Q2Q%47.32%
EPS Next Y21.08%
EPS Next 2Y24.24%
EPS Next 3Y14.64%
EPS Next 5Y19.75%
Revenue 1Y (TTM)17.29%
Revenue growth 3Y-1.63%
Revenue growth 5Y5.01%
Sales Q2Q%18.71%
Revenue Next Year13.4%
Revenue Next 2Y10.22%
Revenue Next 3Y10.3%
Revenue Next 5YN/A
EBIT growth 1Y48.51%
EBIT growth 3Y-9.51%
EBIT growth 5Y-3.4%
EBIT Next Year74.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y77.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.86%
OCF growth 3YN/A
OCF growth 5YN/A

STEWART INFORMATION SERVICES / STC FAQ

What is the ChartMill fundamental rating of STEWART INFORMATION SERVICES (STC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to STC.


What is the valuation status for STC stock?

ChartMill assigns a valuation rating of 4 / 10 to STEWART INFORMATION SERVICES (STC). This can be considered as Fairly Valued.


Can you provide the profitability details for STEWART INFORMATION SERVICES?

STEWART INFORMATION SERVICES (STC) has a profitability rating of 3 / 10.


What is the financial health of STEWART INFORMATION SERVICES (STC) stock?

The financial health rating of STEWART INFORMATION SERVICES (STC) is 2 / 10.


What is the expected EPS growth for STEWART INFORMATION SERVICES (STC) stock?

The Earnings per Share (EPS) of STEWART INFORMATION SERVICES (STC) is expected to grow by 21.08% in the next year.