Stewart Information Services Corporation (STC) AI Stock Analysis

Stewart Information Services Corporation provides title insurance and related real estate transaction services across two primary segments: Title and Ancillary Services, and Corporate. The Title segment searches, examines, closes, and insures title condition to real property, while also offering home and personal insurance, tax-deferred exchanges, and digital customer engagement tools. The Ancillary Services and Corporate segment delivers complementary mortgage solutions, such as appraisal management, online notarization and closing, credit and real estate information, and search and valuation services. The company distributes products through directly owned offices, independent agencies, and other internal business units.

Stewart's revenue experienced a cyclical decline from $3.31B in FY2021 to $2.26B in FY2023, before recovering to $2.49B in FY2024 and $2.92B in FY2025. Net income fell from $323.2M in FY2021 to $30.4M in FY2023, subsequently rising to $115.6M in FY2025. Operating margin was 5.7% in FY2025, compared to 13.1% in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $3.27B with net income yielding EPS of $4.57. In the latest quarter ended June 30, 2026, quarterly revenue grew 24.3% year-over-year, and quarterly earnings grew 7.1%.

As of June 30, 2026, Stewart held $308.5M in cash and short-term investments against $771.0M in total debt, resulting in net debt of $462.5M. The company had a current ratio of 0.68 and a debt-to-equity ratio of 0.46 on shareholders' equity of $1.66B. In FY2025, operating cash flow was $205.7M and free cash flow was $132.3M. Capital deployment in FY2025 included $73.4M in capital expenditures, $58.5M in dividends paid, and $3.9M in share buybacks.

Stewart trades at a trailing price-to-earnings ratio of 11.5x, slightly below the 12.1x median of its US-listed Financial Services peers. Its forward price-to-earnings ratio of 18.6x stands above the peer median of 10.8x, while its price-to-sales ratio of 0.5x is lower than the peer median of 3.2x. Over the past year, the stock fell 21.2%, while the S&P 500 gained 16.8%. Over five years, the stock is down 9.7%, compared to an 83.0% gain for the S&P 500.

Stewart pays an annual forward dividend of $2.20 per share, representing a dividend yield of 4.19%. The company maintains a payout ratio of 38.9% and distributes dividends quarterly. Stewart has paid dividends for 24 consecutive years, recording a 5-year annualized dividend growth rate of 11.3%. Its last ex-dividend date was September 15, 2026.

Wall Street coverage includes 2 Strong Buy, 1 Buy, and 1 Hold ratings, with no Sell ratings. The mean price target is $79.00, representing a 50.4% upside to the last close of $52.54. Consensus estimates project FY2026 EPS of $5.30 on revenue of $3.51B. Stewart beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 21, 2026.

This page is an AI-written research summary of Stewart Information Services Corporation (STC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: STC income statement, STC balance sheet, STC key metrics, STC analyst forecast, STC chart. See the STC stock overview for the latest quote and news.