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Stewart Information Services Corporation

STC

NYSEFinancial ServicesInsurance - Property & Casualty

Open in GoAI

Regular session

$70.13

+$0.93 · +1.34%

Aug 24, 10:53 AM ETData delayed

STC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

85

Deep Value

Momentum

40

Weakening

Sentiment

62

Bullish

Risk resilience

66

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $70.13

52-week range

Current $70.13

Open
$69.49
Previous close
$69.20
Volume
24.36K
Market cap
2.13B USD
50-day average
$67.7992
+3.44% above average
200-day average
$68.2008
+2.83% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.49B USD
P/E (TTM)
15.28×
P/B (TTM)
1.3×
P/S (TTM)
0.65×
EV / EBITDA
10.3×
Earnings yield
5.66%
Free cash flow yield
6.48%
Dividend yield
2.99%

Profitability & efficiency

Gross margin
80.53%
Operating margin
6.10%
Net margin
4.12%
Return on equity
7.04%
Return on assets
3.55%
Return on invested capital
4.87%

Financial health

Debt / equity
0.46×
Current ratio
0.72×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%68%30%-8%Gross margin, FY2021: 96.18%Gross margin, FY2022: 96.65%Gross margin, FY2023: 96.44%Gross margin, FY2024: 96.77%Gross margin, FY2025: 87.72%Operating margin, FY2021: 13.13%Operating margin, FY2022: 7.58%Operating margin, FY2023: 2.70%Operating margin, FY2024: 4.59%Operating margin, FY2025: 5.67%Net margin, FY2021: 9.78%Net margin, FY2022: 5.29%Net margin, FY2023: 1.35%Net margin, FY2024: 2.94%Net margin, FY2025: 3.96%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.18%. Gross margin FY2022 96.65%. Gross margin FY2023 96.44%. Gross margin FY2024 96.77%. Gross margin FY2025 87.72%. Operating margin FY2021 13.13%. Operating margin FY2022 7.58%. Operating margin FY2023 2.70%. Operating margin FY2024 4.59%. Operating margin FY2025 5.67%. Net margin FY2021 9.78%. Net margin FY2022 5.29%. Net margin FY2023 1.35%. Net margin FY2024 2.94%. Net margin FY2025 3.96%.

Income trends

Revenue

2.92B USD+17.32%

Operating income

165.55M USD+44.82%

Net income

115.56M USD+57.63%
Income trends across reported periods3.63B USD2.32B USD1.01B USD−297.1M USDRevenue, FY2021: 3.31B USDRevenue, FY2022: 3.07B USDRevenue, FY2023: 2.26B USDRevenue, FY2024: 2.49B USDRevenue, FY2025: 2.92B USDOperating income, FY2021: 433.97M USDOperating income, FY2022: 232.65M USDOperating income, FY2023: 60.86M USDOperating income, FY2024: 114.31M USDOperating income, FY2025: 165.55M USDNet income, FY2021: 323.22M USDNet income, FY2022: 162.31M USDNet income, FY2023: 30.44M USDNet income, FY2024: 73.31M USDNet income, FY2025: 115.56M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.31B USD. Revenue FY2022 3.07B USD. Revenue FY2023 2.26B USD. Revenue FY2024 2.49B USD. Revenue FY2025 2.92B USD. Operating income FY2021 433.97M USD. Operating income FY2022 232.65M USD. Operating income FY2023 60.86M USD. Operating income FY2024 114.31M USD. Operating income FY2025 165.55M USD. Net income FY2021 323.22M USD. Net income FY2022 162.31M USD. Net income FY2023 30.44M USD. Net income FY2024 73.31M USD. Net income FY2025 115.56M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.92B USD2.49B USD2.26B USD3.07B USD3.31B USD
Cost of goods sold358.7M USD80.41M USD80.28M USD102.73M USD126.24M USD
Gross profit2.56B USD2.41B USD2.18B USD2.97B USD3.18B USD
Selling, general, and administrative1.04B USD745.41M USD712.79M USD802M USD776.97M USD
Operating expenses2.4B USD2.3B USD2.12B USD2.73B USD2.75B USD
Interest expense20.44M USD19.91M USD19.74M USD18.4M USD5.03M USD
Depreciation and amortization61.07M USD61.61M USD62.45M USD57.18M USD36.39M USD
Operating income165.55M USD114.31M USD60.86M USD232.65M USD433.97M USD
Net income115.56M USD73.31M USD30.44M USD162.31M USD323.22M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+26.33%
11 comparable reports
Latest EPS result
1.39
Estimate 1.63 · Miss by 14.72%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.761.250.730.21Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 1.12, estimate 1.11, surprise +0.90%, Beat. Q2 2025, reported Apr 23, 2025: actual 0.25, estimate 0.33, surprise -24.24%, Miss. Q3 2025, reported Jul 23, 2025: actual 1.34, estimate 1.37, surprise -2.19%, Miss. Q4 2025, reported Oct 22, 2025: actual 1.64, estimate 1.34, surprise +22.39%, Beat. Q1 2026, reported Feb 4, 2026: actual 1.65, estimate 1.37, surprise +20.44%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.78, estimate 0.52, surprise +50.00%, Beat. Q3 2026, reported Jul 22, 2026: actual 1.39, estimate 1.63, surprise -14.72%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.63, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates966.75M830.61M694.46M558.32MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 665.93M USD, estimate 645.65M USD, surprise +3.14%, Beat. Q2 2025, reported Apr 23, 2025: actual 596.28M USD, estimate 595.5M USD, surprise +0.13%, Beat. Q3 2025, reported Jul 23, 2025: actual 722.18M USD, estimate 722.5M USD, surprise -0.04%, Miss. Q4 2025, reported Oct 22, 2025: actual 796.92M USD, estimate 773.65M USD, surprise +3.01%, Beat. Q1 2026, reported Feb 4, 2026: actual 794.4M USD, estimate 770.61M USD, surprise +3.09%, Beat. Q2 2026, reported Apr 22, 2026: actual 778.4M USD, estimate 730.43M USD, surprise +6.57%, Beat. Q3 2026, reported Jul 22, 2026: actual 895.8M USD, estimate 838.07M USD, surprise +6.89%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 929.57M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$87.00

24.06% upside
Past 12 months12-month forecastHigh $87.00Average $87.00Low $87.00

ETFs holding STC

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
126.08M
Weight
0.11%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.02-0.20%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
65.64M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.12-0.30%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
55.51M
Weight
0.07%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.64-0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
23.72M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.89-0.67%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
20.06M
Weight
0.14%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.71-0.05%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
19.72M
Weight
0.12%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.165-0.20%
iShares S&P Small-Cap 600 Value ETF logoiShares S&P Small-Cap 600 Value ETFIJS
Market value
18.43M
Weight
0.22%
AUM
8.33B USD
Expense ratio
0.18%
Price / 1D
$138.27-0.12%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
12.93M
Weight
0.09%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.61-0.08%

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