STEWART INFORMATION SERVICES (STC) Fundamental Analysis & Valuation

NYSE:STC • US8603721015

Current stock price

71.85 USD
+0.18 (+0.25%)
At close:
71.85 USD
0 (0%)
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This STC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

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.
  • STC had positive earnings in each of the past 5 years.
  • In the past 5 years STC always reported a positive cash flow from operatings.
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 3.55%, STC is doing good in the industry, outperforming 65.99% of the companies in the same industry.
  • STC has a Return On Equity of 7.04%. This is in the lower half of the industry: STC underperforms 67.35% of its industry peers.
  • With a decent Return On Invested Capital value of 4.77%, STC is doing good in the industry, outperforming 70.75% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for STC is significantly below the industry average of 9.60%.
  • The last Return On Invested Capital (4.77%) for STC is above the 3 year average (3.83%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.55%
ROE 7.04%
ROIC 4.77%
ROA(3y)2.45%
ROA(5y)4.96%
ROE(3y)4.83%
ROE(5y)10.32%
ROIC(3y)3.83%
ROIC(5y)6.81%
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 3.95%, STC is not doing good in the industry: 74.15% of the companies in the same industry are doing better.
  • STC's Profit Margin has declined in the last couple of years.
  • STC's Operating Margin of 6.03% is on the low side compared to the rest of the industry. STC is outperformed by 76.19% of its industry peers.
  • In the last couple of years the Operating Margin of STC has declined.
Industry RankSector Rank
OM 6.03%
PM (TTM) 3.95%
GM N/A
OM growth 3Y-8.87%
OM growth 5Y-8.52%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. STC Health Analysis

2.1 Basic Checks

  • STC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for STC has been increased compared to 1 year ago.
  • 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 4.89. This is a neutral value as STC would need 4.89 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.89, STC is doing worse than 65.99% of the companies in the same industry.
  • A Debt/Equity ratio of 0.39 indicates that STC is not too dependend on debt financing.
  • STC has a worse Debt to Equity ratio (0.39) than 61.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 4.89
Altman-Z N/A
ROIC/WACC0.62
WACC7.67%
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 56.81% over the past year.
  • 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 very strong growth in Revenue. The Revenue has grown by 21.16%.
  • 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)56.81%
EPS 3Y-9.48%
EPS 5Y-4.21%
EPS Q2Q%212%
Revenue 1Y (TTM)21.16%
Revenue growth 3Y-1.63%
Revenue growth 5Y5.01%
Sales Q2Q%27.67%

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

  • 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

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4

4. STC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.28 indicates a correct valuation of STC.
  • Based on the Price/Earnings ratio, STC is valued a bit more expensive than 61.22% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of STC to the average of the S&P500 Index (27.15), we can say STC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.89, which indicates a very decent valuation of STC.
  • STC's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of STC to the average of the S&P500 Index (22.12), we can say STC is valued rather cheaply.
Industry RankSector Rank
PE 13.28
Fwd PE 9.89
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.
  • Based on the Price/Free Cash Flow ratio, STC is valued a bit more expensive than the industry average as 64.63% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.57
EV/EBITDA 10.61
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 18.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)N/A
EPS Next 2Y22.03%
EPS Next 3Y18.99%

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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 2.92%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.37, 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 2.92%

5.2 History

  • The dividend of STC is nicely growing with an annual growth rate of 10.98%!
  • STC has paid a dividend for at least 10 years, which is 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)10.98%
Div Incr Years5
Div Non Decr Years16
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

  • 50.62% of the earnings are spent on dividend by STC. This is a bit on the high side, but may be sustainable.
  • STC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP50.62%
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 (4/27/2026, 8:18:57 PM)

After market: 71.85 0 (0%)

71.85

+0.18 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners100.04%
Inst Owner Change-0.15%
Ins Owners1.97%
Ins Owner Change7.31%
Market Cap2.19B
Revenue(TTM)3.09B
Net Income(TTM)115.53M
Analysts82.86
Price Target75.39 (4.93%)
Short Float %2.43%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 2.92%
Yearly Dividend2.02
Dividend Growth(5Y)10.98%
DP50.62%
Div Incr Years5
Div Non Decr Years16
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.16%
Min EPS beat(2)17.66%
Max EPS beat(2)20.65%
EPS beat(4)3
Avg EPS beat(4)6.13%
Min EPS beat(4)-25.74%
Max EPS beat(4)20.65%
EPS beat(8)6
Avg EPS beat(8)33.1%
EPS beat(12)8
Avg EPS beat(12)19.34%
EPS beat(16)10
Avg EPS beat(16)16%
Revenue beat(2)2
Avg Revenue beat(2)4.01%
Min Revenue beat(2)1%
Max Revenue beat(2)7.02%
Revenue beat(4)4
Avg Revenue beat(4)4.42%
Min Revenue beat(4)1%
Max Revenue beat(4)7.91%
Revenue beat(8)7
Avg Revenue beat(8)3.03%
Revenue beat(12)9
Avg Revenue beat(12)1.62%
Revenue beat(16)12
Avg Revenue beat(16)3.45%
PT rev (1m)0%
PT rev (3m)-0.2%
EPS NQ rev (1m)-9.13%
EPS NQ rev (3m)-29.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.45%
Valuation
Industry RankSector Rank
PE 13.28
Fwd PE 9.89
P/S 0.75
P/FCF 16.57
P/OCF 10.65
P/B 1.34
P/tB 49.82
EV/EBITDA 10.61
EPS(TTM)5.41
EY7.53%
EPS(NY)7.27
Fwd EY10.11%
FCF(TTM)4.34
FCFY6.04%
OCF(TTM)6.74
OCFY9.39%
SpS95.79
BVpS53.81
TBVpS1.44
PEG (NY)0.9
PEG (5Y)N/A
Graham Number80.9292 (12.64%)
Profitability
Industry RankSector Rank
ROA 3.55%
ROE 7.04%
ROCE 6.13%
ROIC 4.77%
ROICexc 5.37%
ROICexgc 20.46%
OM 6.03%
PM (TTM) 3.95%
GM N/A
FCFM 4.53%
ROA(3y)2.45%
ROA(5y)4.96%
ROE(3y)4.83%
ROE(5y)10.32%
ROIC(3y)3.83%
ROIC(5y)6.81%
ROICexc(3y)4.26%
ROICexc(5y)8%
ROICexgc(3y)14.3%
ROICexgc(5y)25.47%
ROCE(3y)4.92%
ROCE(5y)8.74%
ROICexgc growth 3Y-8.01%
ROICexgc growth 5Y-5.49%
ROICexc growth 3Y-15.41%
ROICexc growth 5Y-17.38%
OM growth 3Y-8.87%
OM growth 5Y-8.52%
PM growth 3Y-9.23%
PM growth 5Y-10.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.9
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 4.89
Debt/EBITDA 2.73
Cap/Depr 120.21%
Cap/Sales 2.51%
Interest Coverage 9.91
Cash Conversion 86.72%
Profit Quality 114.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.67%
ROIC/WACC0.62
Cap/Depr(3y)82.13%
Cap/Depr(5y)87.93%
Cap/Sales(3y)1.94%
Cap/Sales(5y)1.72%
Profit Quality(3y)130.98%
Profit Quality(5y)118.01%
High Growth Momentum
Growth
EPS 1Y (TTM)56.81%
EPS 3Y-9.48%
EPS 5Y-4.21%
EPS Q2Q%212%
EPS Next Y14.77%
EPS Next 2Y22.03%
EPS Next 3Y18.99%
EPS Next 5Y19.75%
Revenue 1Y (TTM)21.16%
Revenue growth 3Y-1.63%
Revenue growth 5Y5.01%
Sales Q2Q%27.67%
Revenue Next Year13.4%
Revenue Next 2Y10.22%
Revenue Next 3Y10.3%
Revenue Next 5YN/A
EBIT growth 1Y44.83%
EBIT growth 3Y-10.36%
EBIT growth 5Y-3.94%
EBIT Next Year74.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y39.03%
FCF growth 3Y-2.77%
FCF growth 5Y-12.7%
OCF growth 1Y51.68%
OCF growth 3Y2.35%
OCF growth 5Y-5.7%

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 4 / 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 13.28 and the Price/Book (PB) ratio is 1.34.


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.