Stewart Information Services Corporation (STC) Income Statement
STC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsSTC revenue and net income
Where STC's revenue goes
2025Each bar shows an amount and its share of revenue. STC kept 4.0% of revenue as net income.
STC profit margins
STC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +17.3% | −1.6% | +5.0% | +3.7% |
| Gross profit | +6.3% | −4.8% | +3.4% | +2.9% |
| Operating income | +44.8% | −10.7% | −5.4% | +32.8% |
| Net income | +57.6% | −10.7% | −5.7% | — |
| EPS (diluted) | +44.8% | −9.5% | −4.8% | +7.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
STC quarterly EPS vs estimates
Stewart Information Services beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 21, 2026 (estimate $1.55).
STC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.92B | $2.49B | $2.26B | $3.07B | $3.31B | $2.29B | $1.94B | $1.91B | $1.96B | $2.01B |
| Cost of revenue | $358.7M | $80.4M | $80.3M | $102.7M | $126.2M | $115.2M | $84.4M | $71.5M | $96.5M | $91.1M |
| Gross profit | $2.56B | $2.41B | $2.18B | $2.97B | $3.18B | $2.17B | $1.86B | $1.84B | $1.86B | $1.92B |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $1.04B | $745.4M | $762.4M | $802.0M | $777.0M | $613.2M | $567.2M | $907.8M | $566.2M | $604.4M |
| Total operating expenses | $2.40B | $2.30B | $2.12B | $2.73B | $2.75B | $1.95B | $1.74B | $1.76B | $1.78B | $1.83B |
| Operating income | $165.5M | $114.3M | $60.9M | $232.7M | $434.0M | $218.5M | $117.0M | $72.5M | $75.1M | $88.0M |
| Interest income | $20.4M | $7.3M | $19.7M | $18.4M | $5.0M | $2.6M | $4.3M | $3.9M | $3.5M | $3.1M |
| Interest expense | $20.4M | $19.9M | $19.7M | $18.4M | $5.0M | $2.6M | $4.3M | $3.9M | $3.5M | $3.1M |
| Income before taxes | $165.5M | $114.3M | $60.9M | $232.7M | $434.0M | $218.5M | $117.0M | $72.5M | $75.1M | $88.0M |
| Income taxes | $35.4M | $26.2M | $15.3M | $50.9M | $94.0M | $48.8M | $26.7M | $13.5M | $14.9M | $19.6M |
| Net income | $115.6M | $73.3M | $30.4M | $162.3M | $323.2M | $154.9M | $78.6M | $47.5M | $48.7M | $55.5M |
| EBITDA | $241.4M | $195.8M | $143.0M | $308.2M | $475.4M | $240.3M | $143.8M | $101.3M | $104.4M | $121.1M |
| EPS (diluted) | $4.88 | $3.37 | $1.32 | $6.58 | $11.20 | $6.23 | $2.79 | $2.23 | $2.05 | $2.65 |
| Gross margin | 87.7% | 96.8% | 96.4% | 96.7% | 96.2% | 95.0% | 95.6% | 96.3% | 95.1% | 95.5% |
| Operating margin | 5.7% | 4.6% | 2.7% | 7.6% | 13.1% | 9.5% | 6.0% | 3.8% | 3.8% | 4.4% |
| Net margin | 4.0% | 2.9% | 1.3% | 5.3% | 9.8% | 6.8% | 4.1% | 2.5% | 2.5% | 2.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $899.2M | $781.3M | $790.6M | $796.9M | $722.2M | $612.0M | $665.9M | $667.9M | $602.2M | $554.3M | $582.2M | $601.7M |
| Cost of revenue | $22.1M | $294.6M | $300.0M | $19.5M | $21.5M | $17.7M | $20.7M | $21.3M | $21.1M | $17.4M | $20.6M | $22.3M |
| Gross profit | $877.2M | $486.7M | $490.6M | $777.4M | $700.7M | $594.3M | $645.3M | $646.7M | $581.1M | $536.9M | $561.6M | $579.5M |
| Sales, general & admin | $241.1M | $438.6M | $438.9M | $211.2M | $208.2M | $185.8M | $199.4M | $193.9M | $179.7M | $172.4M | $178.1M | $181.5M |
| Total operating expenses | $822.1M | $455.5M | $438.9M | $716.2M | $654.0M | $588.4M | $609.9M | $603.9M | $552.1M | $529.8M | $542.8M | $552.4M |
| Operating income | $55.1M | $31.3M | $51.7M | $61.2M | $46.8M | $5.9M | $35.4M | $42.8M | $29.0M | $7.1M | $18.8M | $27.1M |
| Interest income | — | — | $5.6M | $558,000 | $5.0M | $1.8M | $3.7M | $399,000 | — | — | — | $5.1M |
| Interest expense | $7.4M | $7.6M | $5.6M | $4.9M | $5.0M | $5.0M | $5.1M | $4.9M | $4.8M | $5.1M | $5.0M | $5.1M |
| Income before taxes | $55.1M | $23.6M | $51.7M | $61.2M | $46.8M | $5.9M | $35.4M | $42.8M | $29.0M | $7.1M | $18.8M | $27.1M |
| Income taxes | $13.3M | $4.6M | $10.8M | $13.0M | $11.1M | $484,000 | $8.2M | $9.1M | $7.9M | $936,000 | $5.7M | $9.1M |
| Net income | $37.2M | $17.0M | $36.3M | $44.3M | $31.9M | $3.1M | $22.7M | $30.1M | $17.3M | $3.1M | $8.8M | $14.0M |
| EBITDA | $80.2M | $48.1M | $66.9M | $81.5M | $66.9M | $26.2M | $56.1M | $63.2M | $49.0M | $27.6M | $39.3M | $48.5M |
| EPS (diluted) | $1.39 | $0.78 | $1.65 | $1.64 | $1.34 | $0.25 | $1.12 | $1.17 | $0.91 | $0.17 | $0.28 | $0.60 |
| Gross margin | 97.5% | 62.3% | 62.1% | 97.5% | 97.0% | 97.1% | 96.9% | 96.8% | 96.5% | 96.9% | 96.5% | 96.3% |
| Operating margin | 6.1% | 4.0% | 6.5% | 7.7% | 6.5% | 1.0% | 5.3% | 6.4% | 4.8% | 1.3% | 3.2% | 4.5% |
| Net margin | 4.1% | 2.2% | 4.6% | 5.6% | 4.4% | 0.5% | 3.4% | 4.5% | 2.9% | 0.6% | 1.5% | 2.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in STC's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
STC financial results
In fiscal year 2025 (ended December 31, 2025), Stewart Information Services reported revenue of $2.9 billion, up 17.3% from the year before. It had net income of $115.6 million (up 57.6%), a net profit margin of 4.0%. Diluted earnings per share came to $4.88. Over five years revenue grew at an average rate of 5.0% a year.
See the STC stock overview for the latest quote and news, or the STC chart for price history and technical indicators.
STC income statement FAQ
What is Stewart Information Services's annual revenue?
Stewart Information Services reported total revenue of $2.9 billion for fiscal year 2025, which ended on December 31, 2025. That was up 17.3% from $2.5 billion the previous year.
Is Stewart Information Services profitable?
Yes. Stewart Information Services reported net income of $115.6 million in fiscal 2025, a net profit margin of 4.0%; its operating margin was 5.7%.
What is Stewart Information Services's gross margin?
Stewart Information Services's gross margin was 87.7% in fiscal 2025: for every $100 of revenue, Stewart Information Services kept $88 after the direct cost of its products and services.
How fast is Stewart Information Services growing?
Revenue grew 5.0% a year on average over the last five fiscal years, from $2.3 billion to $2.9 billion.
What are Stewart Information Services's earnings per share?
Stewart Information Services earned $4.88 per diluted share in fiscal 2025, compared with $3.37 a year earlier.
When will Stewart Information Services report its next earnings?
Stewart Information Services is expected to report results for the quarter ending September 30, 2026 on October 21, 2026 after the market closes.
When does Stewart Information Services's fiscal year end?
Stewart Information Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.