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Stewart Information Services Corporation STC

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47.10 USD +2.34 (+5.23%)

At closeNov 4, 2026, 4:01 PM EST

47.10 0.00 0.00%

After hours · Nov 4, 4:01 PM ET

45.29 Day range 47.54
42.66 52-week range 78.61
YTD
-32.96%
1 year
-31.65%

Financial health

Altman Z-Score

2.11 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 2
  • P/B 4

Valuation

P/E 17.2×
FY 2016: 24.8×FY 2017: 20.3×FY 2018: 20.5×FY 2019: 12.2×FY 2020: 7.7×FY 2021: 6.6×FY 2022: 7.1×FY 2023: 52.9×FY 2024: 25.5×FY 2025: 17.2×
FY 2016 5y median 17.2× FY 2025
P/S 0.7×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/B 1.2×
FY 2016: 1.7×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.7×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 15.4×
FY 2016: 10.3×FY 2017: 10.8×FY 2018: 13.3×FY 2019: 6.5×FY 2020: 4.6×FY 2021: 6.1×FY 2022: 8.1×FY 2023: 35.4×FY 2024: 19.6×FY 2025: 15.4×
FY 2016 5y median 15.4× FY 2025
EV/EBITDA 10.3×
FY 2016: 8.2×FY 2017: 9.1×FY 2018: 8.8×FY 2019: 6.0×FY 2020: 4.1×FY 2021: 4.8×FY 2022: 4.9×FY 2023: 13.6×FY 2024: 11.3×FY 2025: 10.3×
FY 2016 5y median 10.3× FY 2025
EV/Sales 0.9×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
FCF Yield 6.5%
FY 2016: 9.7%FY 2017: 9.2%FY 2018: 7.5%FY 2019: 15.5%FY 2020: 21.7%FY 2021: 16.4%FY 2022: 12.4%FY 2023: 2.8%FY 2024: 5.1%FY 2025: 6.5%
FY 2016 5y median 6.5% FY 2025

Profitability

Gross Margin 87.7%
FY 2016: 95.5%FY 2017: 95.1%FY 2018: 96.3%FY 2019: 95.6%FY 2020: 95.0%FY 2021: 96.2%FY 2022: 96.7%FY 2023: 96.4%FY 2024: 96.8%FY 2025: 87.7%
FY 2016 5y median 96.4% FY 2025
Operating Margin 5.7%
FY 2016: 4.4%FY 2017: 3.8%FY 2018: 3.8%FY 2019: 6.0%FY 2020: 9.5%FY 2021: 13.1%FY 2022: 7.6%FY 2023: 2.7%FY 2024: 4.6%FY 2025: 5.7%
FY 2016 5y median 5.7% FY 2025
Net Margin 4.0%
FY 2016: 2.8%FY 2017: 2.5%FY 2018: 2.5%FY 2019: 4.1%FY 2020: 6.8%FY 2021: 9.8%FY 2022: 5.3%FY 2023: 1.3%FY 2024: 2.9%FY 2025: 4.0%
FY 2016 5y median 4.0% FY 2025
ROE 7.0%
FY 2016: 8.7%FY 2017: 7.2%FY 2018: 7.1%FY 2019: 10.5%FY 2020: 15.4%FY 2021: 25.2%FY 2022: 11.9%FY 2023: 2.2%FY 2024: 5.2%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
ROIC 4.9%
FY 2016: 8.1%FY 2017: 6.8%FY 2018: 6.7%FY 2019: 91.3%FY 2020: 171.6%FY 2021: 15.3%FY 2022: 8.4%FY 2023: 2.1%FY 2024: 4.0%FY 2025: 4.9%
FY 2016 5y median 4.9% FY 2025
ROA 3.6%
FY 2016: 4.1%FY 2017: 3.5%FY 2018: 3.5%FY 2019: 4.9%FY 2020: 7.8%FY 2021: 11.5%FY 2022: 5.9%FY 2023: 1.1%FY 2024: 2.7%FY 2025: 3.6%
FY 2016 5y median 3.6% FY 2025

Growth (YoY)

Revenue 17.3%
FY 2016: -1.3%FY 2017: -2.5%FY 2018: -2.5%FY 2019: 1.7%FY 2020: 18.0%FY 2021: 44.5%FY 2022: -7.2%FY 2023: -26.5%FY 2024: 10.3%FY 2025: 17.3%
FY 2016 FY 2025
Operating Income 44.8%
FY 2016: 808.1%FY 2017: -14.7%FY 2018: -3.4%FY 2019: 61.3%FY 2020: 86.8%FY 2021: 98.6%FY 2022: -46.4%FY 2023: -73.8%FY 2024: 87.8%FY 2025: 44.8%
FY 2016 FY 2025
EPS (diluted) 54.8%
FY 2016: 811.5%FY 2017: 11.4%FY 2018: -2.4%FY 2019: 64.7%FY 2020: 87.9%FY 2021: 91.3%FY 2022: -50.1%FY 2023: -81.3%FY 2024: 135.1%FY 2025: 54.8%
FY 2016 FY 2025
Free Cash Flow 39.0%
FY 2016: 72.2%FY 2017: -12.5%FY 2018: -19.8%FY 2019: 103.1%FY 2020: 74.7%FY 2021: 34.4%FY 2022: -58.9%FY 2023: -68.6%FY 2024: 110.3%FY 2025: 39.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 1.4×FY 2017: 1.4×FY 2018: 1.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.7×
FY 2016: 2.4×FY 2017: 2.5×FY 2018: 1.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 0.5×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.9×
FY 2016: -0.7×FY 2017: -0.4×FY 2018: -0.8×FY 2019: -0.7×FY 2020: -0.9×FY 2021: 0.3×FY 2022: 1.1×FY 2023: 2.4×FY 2024: 1.8×FY 2025: 1.9×
FY 2016 5y median 1.8× FY 2025
Interest Coverage 8.1×
FY 2016: 28.7×FY 2017: 21.7×FY 2018: 18.7×FY 2019: 26.9×FY 2020: 83.3×FY 2021: 86.3×FY 2022: 12.6×FY 2023: 3.1×FY 2024: 5.7×FY 2025: 8.1×
FY 2016 5y median 8.1× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 2.6%FY 2017: 2.8%FY 2018: 2.9%FY 2019: 2.9%FY 2020: 2.5%FY 2021: 1.7%FY 2022: 3.9%FY 2023: 3.2%FY 2024: 2.9%FY 2025: 2.9%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 50.6%
FY 2016: 50.2%FY 2017: 57.8%FY 2018: 59.5%FY 2019: 36.1%FY 2020: 19.5%FY 2021: 11.3%FY 2022: 27.5%FY 2023: 166.0%FY 2024: 73.5%FY 2025: 50.6%
FY 2016 5y median 50.6% FY 2025

Annual · latest fiscal year ends 2025-12-31