STEWART INFORMATION SERVICES (STC) Fundamental Analysis & Valuation

NYSE:STC • US8603721015

Current stock price

61.6 USD
+0.02 (+0.03%)
Last:

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

3

1. STC Profitability Analysis

1.1 Basic Checks

  • In the past year STC was profitable.
  • In the past year STC had a positive cash flow from operations.
  • Each year in the past 5 years STC has been profitable.
  • STC had a positive operating cash flow in 4 of the past 5 years.
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

  • With a decent Return On Assets value of 3.58%, STC is doing good in the industry, outperforming 68.71% of the companies in the same industry.
  • The Return On Equity of STC (6.92%) is worse than 65.31% of its industry peers.
  • With a decent Return On Invested Capital value of 4.94%, STC is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • STC had an Average Return On Invested Capital over the past 3 years of 3.88%. This is significantly below the industry average of 9.36%.
  • The last Return On Invested Capital (4.94%) for STC is above the 3 year average (3.88%), which is a sign of increasing profitability.
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

  • STC has a worse Profit Margin (3.65%) than 73.47% of its industry peers.
  • STC's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 5.64%, STC is not doing good in the industry: 76.87% of the companies in the same industry are doing better.
  • STC's Operating Margin has declined in the last couple of years.
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

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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
  • Compared to 5 years ago, STC has more shares outstanding
  • The debt/assets ratio for STC is higher compared to a year ago.
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

  • The Debt to FCF ratio of STC is 3.55, which is a good value as it means it would take STC, 3.55 years of fcf income to pay off 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 40.14% of its industry peers.
  • STC has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • STC has a Debt to Equity ratio (0.30) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.55
Altman-Z N/A
ROIC/WACC0.63
WACC7.84%
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

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

6

3. STC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 44.81% over the past year.
  • The Earnings Per Share has been decreasing by -4.21% on average over the past years.
  • STC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.29%.
  • Measured over the past years, STC shows a small growth in Revenue. The Revenue has been growing by 5.01% on average per year.
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

  • Based on estimates for the next years, STC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.75% on average per year.
  • Based on estimates for the next years, STC will show a quite strong growth in Revenue. The Revenue will grow by 10.30% on average per year.
EPS Next Y14.77%
EPS Next 2Y22.03%
EPS Next 3Y18.99%
EPS Next 5Y19.75%
Revenue Next Year13.4%
Revenue Next 2Y10.22%
Revenue Next 3Y10.3%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

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4

4. STC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.62, the valuation of STC can be described as correct.
  • STC's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.58. STC is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 11.00 indicates a reasonable valuation of STC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of STC is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, STC is valued rather cheaply.
Industry RankSector Rank
PE 12.62
Fwd PE 11
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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of STC indicates a slightly more expensive valuation: STC is more expensive than 63.27% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.92
EV/EBITDA 9.72
STC Per share dataSTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as STC's earnings are expected to grow with 18.99% in the coming years.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y22.03%
EPS Next 3Y18.99%

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 3.54%.
  • STC's Dividend Yield is a higher than the industry average which is at 2.50.
  • Compared to an average S&P500 Dividend Yield of 1.89, STC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.54%

5.2 History

  • On average, the dividend of STC grows each year by 10.37%, which is quite nice.
  • STC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • STC has not decreased their dividend for at least 10 years, which is a reliable track record.
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 2026 0.5 1 1.5 2

5.3 Sustainability

  • 55.39% of the earnings are spent on dividend by STC. 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 2Y22.03%
EPS Next 3Y18.99%
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

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STC Fundamentals: All Metrics, Ratios and Statistics

STEWART INFORMATION SERVICES

NYSE:STC (4/1/2026, 3:19:30 PM)

61.6

+0.02 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-21
Inst Owners101.46%
Inst Owner Change4.78%
Ins Owners1.59%
Ins Owner Change7.31%
Market Cap1.87B
Revenue(TTM)2.92B
Net Income(TTM)102.00M
Analysts82.86
Price Target82.96 (34.68%)
Short Float %2.81%
Short Ratio3.23
Dividend
Industry RankSector Rank
Dividend Yield 3.54%
Yearly Dividend1.96
Dividend Growth(5Y)10.37%
DP55.39%
Div Incr Years4
Div Non Decr Years15
Ex-Date03-16
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%
PT rev (3m)-0.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.67%
EPS NY rev (1m)-5.21%
EPS NY rev (3m)-16.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.04%
Valuation
Industry RankSector Rank
PE 12.62
Fwd PE 11
P/S 0.67
P/FCF 14.92
P/OCF 10.18
P/B 1.27
P/tB 9.58
EV/EBITDA 9.72
EPS(TTM)4.88
EY7.92%
EPS(NY)5.6
Fwd EY9.09%
FCF(TTM)4.13
FCFY6.7%
OCF(TTM)6.05
OCFY9.82%
SpS91.95
BVpS48.44
TBVpS6.43
PEG (NY)0.85
PEG (5Y)N/A
Graham Number72.93
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
WACC7.84%
ROIC/WACC0.63
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 Y14.77%
EPS Next 2Y22.03%
EPS Next 3Y18.99%
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 Fundamental Analysis FAQ

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

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


Can you provide the valuation status for STEWART INFORMATION SERVICES?

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


What is the profitability of STC stock?

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


What is the valuation of STEWART INFORMATION SERVICES based on its PE and PB ratios?

The Price/Earnings (PE) ratio for STEWART INFORMATION SERVICES (STC) is 12.62 and the Price/Book (PB) ratio is 1.27.


What is the earnings growth outlook for STEWART INFORMATION SERVICES?

The Earnings per Share (EPS) of STEWART INFORMATION SERVICES (STC) is expected to grow by 14.77% in the next year.