Stewart Information Services Corporation (STC) Balance Sheet
STC balance sheet, 2025
December 31, 2025 · U.S. dollars$3.25B assets = $1.60B liabilities + $1.65B equity
Both columns are drawn to the same scale: what STC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
STC financial health
Descriptive bands, not a rating. Fiscal 2025.
STC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.34B2016 | $3.25B2025 | +10.3%/yr | |
| Total liabilities | $692.9M2016 | $1.60B2025 | +9.8%/yr | |
| Shareholders’ equity | $648.8M2016 | $1.64B2025 | +10.9%/yr | |
| Cash & short-term investments | $839.5M2016 | $369.7M2025 | −8.7%/yr | |
| Total debt | $199.7M2016 | $768.8M2025 | +16.2%/yr | |
| Net cash (debt) | $639.8M2016 | −$399.1M2025 | −$1.0B | |
| Working capital | $224.4M2016 | −$218.1M2025 | −$442.5M | |
| Book value per share | $27.642016 | $56.512025 | +8.3%/yr | |
| Debt / equity | 0.312016 | 0.472025 | +0.16 | |
| Shares outstanding | 23.5M2016 | 29.0M2025 | +2.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
STC assets
STC liabilities and equity
STC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
STC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $369.7M | $257.5M | $272.4M | $272.7M | $503.6M | $453.4M | $354.1M | $215.0M | $883.9M | $839.5M |
| Cash & equivalents | $321.8M | $216.3M | $233.4M | $248.4M | $485.9M | $432.7M | $330.6M | $192.1M | $150.1M | $185.8M |
| Short-term investments | $47.9M | $41.2M | $39.0M | $24.3M | $17.6M | $20.7M | $23.5M | $22.9M | $733.8M | $653.7M |
| Receivables | $190.1M | $140.8M | $124.9M | $117.7M | $119.3M | $87.8M | $72.0M | $71.5M | $78.5M | $71.8M |
| Inventory | $0 | $0 | −$397.3M | $0 | −$694.8M | −$621.6M | −$494.7M | $0 | −$709.4M | −$631.5M |
| Other current assets | $0 | $0 | $397.3M | $0 | $694.8M | $513.1M | $494.7M | $507.6M | $607.3M | $538.3M |
| Total current assets | $559.7M | $398.3M | $397.3M | $204.2M | $622.9M | $432.7M | $426.1M | $794.1M | $860.4M | $818.1M |
| Property, plant & equipment (net) | $273.0M | $264.7M | $271.6M | $282.7M | $283.9M | $231.0M | $222.1M | $135.5M | $141.3M | $145.8M |
| Goodwill & intangible assets | $1.60B | $1.26B | $1.27B | $1.27B | $1.15B | $468.9M | $253.5M | $258.6M | $241.2M | $228.0M |
| Long-term investments | $659.0M | $714.9M | $723.2M | $734.4M | $696.9M | $194.6M | $167.8M | $182.4M | $9.2M | $9.8M |
| Other non-current assets | $163.9M | $95.1M | $45.5M | $244.5M | $55.1M | $651.5M | $523.2M | $2.3M | $153.9M | $140.0M |
| Total assets | $3.25B | $2.73B | $2.70B | $2.74B | $2.81B | $1.98B | $1.59B | $1.37B | $1.41B | $1.34B |
| Liabilities | ||||||||||
| Accounts payable | — | — | $190.1M | $196.5M | $287.3M | $225.2M | $126.8M | $109.3M | $117.7M | $115.6M |
| Short-term debt | $200.0M | $41.9M | $457.5M | $460.3M | $462.1M | $98.9M | $98.9M | $98.9M | $98.88B | $92.9M |
| Deferred revenue | — | — | −$457.5M | −$549.4M | −$549.6M | −$126.3M | −$27.9M | −$109.3M | −$117.7M | −$115.6M |
| Total current liabilities | $777.8M | $539.8M | $553.3M | $460.3M | $462.1M | $327.0M | $738.6M | $591.4M | $624.4M | $593.7M |
| Long-term debt | $646.6M | $445.8M | $445.3M | $447.0M | $483.5M | $101.8M | $110.6M | $108.0M | $109.3M | $106.8M |
| Lease obligations | $122.2M | $118.8M | $135.7M | $148.0M | $149.4M | $119.1M | $113.8M | — | — | — |
| Other long-term liabilities | $178.0M | $333.4M | $325.7M | $13.3M | $198.2M | $864.4M | $0 | $0 | $0 | $0 |
| Total liabilities | $1.60B | $1.32B | $1.32B | $1.37B | $681.7M | $966.2M | $839.0M | $693.1M | $727.1M | $692.9M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $30.6M | $28.1M | $27.7M | $324.3M | $309.6M | $27.1M | $24.1M | $186.7M | $344.0M | $338.1M |
| Retained earnings (deficit) | $1.15B | $1.09B | $1.07B | $1.09B | $974.8M | $688.8M | $564.4M | $514.2M | $491.7M | $471.8M |
| Treasury stock | — | — | — | — | −$2.7M | −$2.7M | −$2.7M | −$2.7M | −$2.7M | −$2.7M |
| Accumulated other comprehensive income | −$21.9M | −$43.4M | −$35.2M | −$51.3M | $253,000 | $17.0M | −$2.7M | −$24.8M | −$847,000 | −$8.9M |
| Minority interest | $9.3M | $8.9M | $7.1M | $8.1M | $12.7M | $7.3M | $6.5M | $6.3M | $6.6M | $7.6M |
| Total shareholders' equity | $1.64B | $1.40B | $1.37B | $1.37B | $2.13B | $1.01B | $747.3M | $679.8M | $678.8M | $648.8M |
| Key figures | ||||||||||
| Total debt | $768.8M | $564.7M | $580.9M | $907.3M | $945.6M | $220.9M | $224.5M | $206.9M | $98.98B | $199.7M |
| Net cash (debt) | −$399.1M | −$307.2M | −$308.6M | −$634.6M | −$442.0M | $232.5M | $129.7M | $8.1M | −$98.10B | $639.8M |
| Working capital | −$218.1M | −$141.5M | −$156.0M | −$256.2M | $160.8M | $105.7M | −$312.4M | $202.7M | $236.0M | $224.4M |
| Tangible book value | $44.0M | $144.9M | $106.1M | $98.2M | $977.0M | $536.3M | $493.8M | $421.2M | $437.6M | $420.9M |
| Book value per share | $56.51 | $49.85 | $49.83 | $50.11 | $78.46 | $40.34 | $31.46 | $28.70 | $28.77 | $27.64 |
| Shares outstanding | 29.0M | 28.1M | 27.5M | 27.3M | 27.2M | 24.9M | 23.8M | 23.7M | 23.6M | 23.5M |
| Current ratio | 0.72 | 0.74 | 0.72 | 0.44 | 1.35 | 1.32 | 0.58 | 1.34 | 1.38 | 1.38 |
| Quick ratio | 0.72 | 0.74 | 0.72 | 0.85 | 1.35 | 1.66 | 0.58 | 0.48 | 1.54 | 1.53 |
| Debt / equity | 0.47 | 0.40 | 0.42 | 0.66 | 0.44 | 0.22 | 0.30 | 0.30 | 145.82 | 0.31 |
| Equity / assets | 50.5% | 51.4% | 50.7% | 50.0% | 75.8% | 50.8% | 46.9% | 49.5% | 48.3% | 48.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $308.5M | $317.5M | $369.7M | $233.2M | $223.8M | $194.2M | $257.5M | $228.7M | $176.7M | $181.1M | $272.4M | $240.2M |
| Cash & equivalents | $261.6M | $271.2M | $321.8M | $188.5M | $178.1M | $148.5M | $216.3M | $183.8M | $133.4M | $138.4M | $233.4M | $203.0M |
| Short-term investments | $46.9M | $46.2M | $47.9M | $44.6M | $45.7M | $45.7M | $41.2M | $44.9M | $43.3M | $42.8M | $39.0M | $37.2M |
| Receivables | $227.7M | $216.2M | $190.1M | $181.7M | $166.1M | $157.2M | $140.8M | −$228.0M | $149.4M | $142.6M | $124.9M | $114.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $22.57B | $19.01B | $12.54B | −$397.3M | −$458.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $223.4M | $458.8M |
| Total current assets | $536.2M | $533.7M | $559.7M | $414.9M | $389.9M | $351.4M | $398.3M | $381.0M | $286.1M | $284.5M | $223.4M | $354.9M |
| Property, plant & equipment (net) | $288.4M | $281.6M | $273.0M | $193.6M | $196.8M | $184.1M | $264.7M | $271.6M | $195.4M | $196.5M | $271.6M | $280.5M |
| Goodwill & intangible assets | $1.62B | $1.59B | $1.60B | $1.35B | $1.33B | $1.33B | $1.26B | $1.26B | $1.33B | $1.33B | $1.27B | $1.27B |
| Long-term investments | $653.3M | $648.7M | $659.0M | $739.5M | $735.5M | $720.6M | $714.9M | $733.6M | $704.3M | $716.7M | $723.2M | $698.0M |
| Other non-current assets | $198.2M | $181.7M | $163.9M | $144.1M | $133.0M | $118.2M | $95.1M | $87.6M | $128.7M | $122.8M | $219.4M | $62.1M |
| Total assets | $3.29B | $3.24B | $3.25B | $2.85B | $2.78B | $2.71B | $2.73B | $2.73B | $2.65B | $2.65B | $2.70B | $2.67B |
| Liabilities | ||||||||||||
| Accounts payable | $270.4M | — | — | — | — | — | — | $196.7M | $149.4M | $166.4M | $190.1M | $177.2M |
| Short-term debt | — | — | $200.0M | $0 | $0 | $0 | $456.2M | $0 | — | — | $45.8M | $0 |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | −$457.5M | — |
| Total current liabilities | $789.7M | $569.8M | $777.8M | $558.1M | $555.2M | $540.5M | $539.8M | $517.6M | $512.4M | $519.2M | $528.3M | $521.4M |
| Long-term debt | $646.7M | $646.7M | $646.6M | $446.1M | $446.0M | $445.9M | $445.8M | $445.7M | $445.6M | $445.4M | $445.3M | $445.2M |
| Lease obligations | $124.2M | $123.9M | $122.2M | $125.0M | $129.8M | $114.3M | $118.8M | $122.8M | $127.3M | $132.7M | $135.7M | $142.0M |
| Other long-term liabilities | $182.3M | $375.8M | $178.0M | $359.4M | $333.7M | $312.9M | $333.4M | $351.9M | $828.6M | $841.8M | $879.0M | $864.7M |
| Total liabilities | $1.62B | $1.59B | $1.60B | $1.36B | $1.33B | $1.30B | $1.32B | $1.32B | $1.27B | $1.29B | $1.32B | $1.31B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $527.8M | $522.0M | $30.6M | $375.3M | $367.0M | $361.7M | $28.1M | $353.2M | $345.1M | $341.3M | $27.7M | $337.9M |
| Retained earnings (deficit) | $1.17B | $1.15B | $1.15B | $1.13B | $1.10B | $1.08B | $1.09B | $1.08B | $1.06B | $1.06B | $1.07B | $1.08B |
| Accumulated other comprehensive income | −$28.6M | −$27.4M | −$21.9M | −$24.5M | −$22.6M | −$37.0M | −$43.4M | −$24.3M | −$42.6M | −$41.8M | −$35.2M | −$58.6M |
| Minority interest | $9.4M | $7.7M | $9.3M | $8.5M | $8.5M | — | — | — | — | — | — | — |
| Total shareholders' equity | $1.66B | $1.64B | $1.64B | $1.47B | $1.44B | $1.40B | $1.40B | $1.41B | $1.36B | $1.36B | $1.37B | $1.35B |
| Key figures | ||||||||||||
| Total debt | $771.0M | $770.6M | $768.8M | $571.1M | $575.8M | $560.2M | $564.7M | $445.7M | $572.9M | $578.2M | $580.9M | $587.2M |
| Net cash (debt) | −$462.5M | −$453.1M | −$399.1M | −$337.9M | −$352.0M | −$366.0M | −$307.2M | −$217.0M | −$396.1M | −$397.0M | −$308.6M | −$347.0M |
| Working capital | −$253.5M | −$36.1M | −$218.1M | −$143.2M | −$165.3M | −$189.1M | −$141.5M | −$136.6M | −$226.4M | −$234.7M | −$304.9M | −$166.5M |
| Tangible book value | $48.0M | $45.7M | $44.0M | $119.9M | $111.7M | $67.6M | $144.9M | $151.2M | $33.7M | $26.9M | $106.1M | $78.3M |
| Book value per share | $53.91 | $53.17 | $56.51 | $51.72 | $50.74 | $49.41 | $49.59 | $49.90 | $48.72 | $48.44 | $49.42 | $48.89 |
| Shares outstanding | 30.9M | 30.8M | 29.0M | 28.5M | 28.3M | 28.3M | 28.3M | 28.2M | 28.0M | 28.0M | 27.8M | 27.6M |
| Current ratio | 0.68 | 0.94 | 0.72 | 0.74 | 0.70 | 0.65 | 0.74 | 0.74 | 0.56 | 0.55 | 0.42 | 0.68 |
| Quick ratio | 0.68 | 0.94 | 0.72 | 0.74 | 0.70 | 0.65 | 0.74 | 0.00 | 0.64 | 0.62 | 0.75 | 0.68 |
| Debt / equity | 0.46 | 0.47 | 0.47 | 0.39 | 0.40 | 0.40 | 0.40 | 0.32 | 0.42 | 0.43 | 0.42 | 0.43 |
| Equity / assets | 50.5% | 50.6% | 50.5% | 51.8% | 51.7% | 51.7% | 51.4% | 51.5% | 51.6% | 51.2% | 50.7% | 50.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
STC financial position
At the end of fiscal 2025 (December 31, 2025), Stewart Information Services had total assets of $3.3 billion (up 19.1% from a year earlier), total liabilities of $1.6 billion and shareholders' equity of $1.6 billion. It held $369.7 million in cash and short-term investments against $768.8 million of debt, net debt of $399.1 million. Its current ratio was 0.72. In the latest quarter (ended June 30, 2026) total assets were $3.3 billion and equity $1.7 billion.
Related: STC income statement, STC cash flow statement, STC key metrics. See the STC stock overview for the latest quote and news.
STC balance sheet FAQ
What are Stewart Information Services's total assets?
Stewart Information Services reported total assets of $3.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.7 billion a year earlier.
How much debt does Stewart Information Services have?
Stewart Information Services had $768.8 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.47.
How much cash does Stewart Information Services have?
Stewart Information Services held $369.7 million in cash and short-term investments at the end of fiscal 2025; with $768.8 million of debt that is net debt of $399.1 million.
What is Stewart Information Services's book value?
Stewart Information Services's shareholders' equity (book value) was $1.6 billion at the end of fiscal 2025, or $56.51 per share.
What is Stewart Information Services's current ratio?
Stewart Information Services had current assets of $559.7 million and current liabilities of $777.8 million, a current ratio of 0.72 (current liabilities exceed current assets).
How much goodwill does Stewart Information Services have?
Stewart Information Services carried $1.6 billion of goodwill and intangible assets, 49.1% of total assets, at the end of fiscal 2025.