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STC

Stewart Information Services Corporation

STC

Stewart Information Services Corporation • NYSE
$76.63 ▲ 0.30% (+0.23)
Market Cap $2.15 B
52w High $78.61
52w Low $56.39
Dividend Yield 2.02%
P/E 21.29
Volume 90.78K
Outstanding Shares 28.02M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $796.916M ▲ $716.198M ▲ $44.259M ▲ 5.554% ▲ $1.64 ▲ $81.461M ▲
Q2-2025 $722.181M ▲ $653.951M ▲ $31.922M ▲ 4.42% ▲ $1.14 ▲ $66.879M ▲
Q1-2025 $611.984M ▼ $588.382M ▼ $3.077M ▼ 0.503% ▼ $0.11 ▼ $26.183M ▼
Q4-2024 $665.932M ▼ $609.907M ▲ $22.741M ▼ 3.415% ▼ $0.82 ▼ $56.064M ▼
Q3-2024 $667.941M $603.867M $30.096M 4.506% $1.09 $63.171M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $233.165M ▲ $2.846B ▲ $1.364B ▲ $1.473B ▲
Q2-2025 $223.832M ▲ $2.781B ▲ $1.335B ▲ $1.438B ▲
Q1-2025 $194.226M ▼ $2.707B ▼ $1.299B ▼ $1.4B ▼
Q4-2024 $257.497M ▲ $2.73B ▲ $1.319B ▲ $1.402B ▼
Q3-2024 $228.683M $2.73B $1.315B $1.407B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $35.635M ▲ $53.428M ▲ $-9.489M ▲ $-16.876M ▲ $29.591M ▲ $38.663M ▲
Q1-2025 $3.077M ▼ $-29.927M ▼ $-20.007M ▼ $-18.645M ▼ $-67.788M ▼ $-42.241M ▼
Q4-2024 $22.741M ▼ $67.953M ▼ $-15.676M ▼ $-15.305M ▼ $32.526M ▼ $55.61M ▼
Q3-2024 $33.669M ▲ $76.121M ▲ $-15.316M ▼ $-12.085M ▲ $50.367M ▲ $67.684B ▲
Q2-2024 $17.343M $21.123M $-8.894M $-16.797M $-4.946M $11.917M

Revenue by Products

Product Q2-2024Q3-2024Q1-2025Q2-2025
Real Estate Solutions And Other
Real Estate Solutions And Other
 $0 ▲$0 ▲$100.00M ▲$110.00M ▲
Title Agency Operations
Title Agency Operations
 $0 ▲$0 ▲$270.00M ▲$300.00M ▲
Title Direct Operations
Title Direct Operations
 $0 ▲$0 ▲$230.00M ▲$290.00M ▲
Escrow Fees
Escrow Fees
 $40.00M ▲$40.00M ▲$0 ▼$0 ▲
Product and Service Other
Product and Service Other
 $20.00M ▲$30.00M ▲$0 ▼$0 ▲
Real Estate Solutions And Abstract Fees
Real Estate Solutions And Abstract Fees
 $110.00M ▲$110.00M ▲$0 ▼$0 ▲
Title Insurance Premiums Agency
Title Insurance Premiums Agency
 $240.00M ▲$280.00M ▲$0 ▼$0 ▲
Title Insurance Premiums Direct
Title Insurance Premiums Direct
 $170.00M ▲$190.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has held up reasonably well through a volatile housing and refinance cycle, dipping from the pandemic-era surge and then stabilizing more recently. Profitability is positive but much thinner than during the peak real estate boom, with earnings swinging quite a bit from year to year. The business clearly reflects the ups and downs of real estate activity: when transaction volumes are high, margins expand nicely; when volumes slow, profits compress quickly. Overall, the company looks solidly profitable but exposed to housing and interest rate cycles, with less of a buffer in weaker years than in its best year or two.

Balance Sheet

Balance Sheet The balance sheet looks steady and fairly conservative. Assets and equity have grown gradually over time, suggesting measured expansion rather than aggressive risk-taking. Debt has increased compared with several years ago but has been relatively stable recently, and cash levels appear comfortable rather than excessive. In plain terms, the company seems reasonably well-capitalized, with no obvious signs of balance-sheet strain, but also not sitting on a large cash war chest. This provides a stable base but not an unusually strong financial fortress.

Cash Flow

Cash Flow Cash generation is consistently positive, though clearly tied to the same real estate cycle that drives earnings. Operating cash flow peaked during the housing boom and has since come down to more normal levels, but it has remained in the black each year. Free cash flow has also stayed positive after modest investment needs, reflecting a relatively light capital-spending model. Overall, the company appears to convert its earnings into cash reasonably well and does not require heavy ongoing investment to keep the business running, which adds financial flexibility during slower markets.

Competitive Edge

Competitive Edge Stewart operates in a concentrated but highly competitive title and real estate services market, going up against a few large national players and many local and regional firms. Its advantages come from a long history in the industry, a reputation for trust, and a broad network of direct operations and independent agencies. The company has been building a more integrated service offering—from title insurance to appraisal, closing, and data services—which can make it more valuable and “stickier” to customers. At the same time, rivals are also investing heavily in technology and digital workflows, so Stewart’s edge likely depends on how well it executes its integration strategy and maintains service quality, not just on having similar tools.

Innovation and R&D

Innovation and R&D Stewart is leaning into technology to modernize a traditionally paper-heavy business. Key efforts include its automated title and underwriting engine, digital mortgage and closing platforms, and remote online notarization capabilities. A series of targeted acquisitions has broadened its reach into data analytics, appraisal management, and digital closing tools, with the aim of offering a seamless, end-to-end real estate transaction experience. The main opportunity is to turn this patchwork of platforms into a smooth, unified workflow that saves time and reduces friction for customers. The main risks are integration complexity, ongoing tech investment needs, and staying ahead of both traditional competitors and newer proptech entrants.

Summary

Stewart looks like a mature, cyclical real estate services company that is trying to reinvent itself for a digital future. Financially, it has moved from boom-level profitability during the housing surge to more modest but positive earnings, supported by a stable balance sheet and steady, if variable, cash generation. Strategically, it is working to deepen its moat by combining long-standing relationships and brand trust with newer, technology-driven offerings across the full closing process. The long-term story hinges on two things: the health of real estate transaction volumes and the company’s ability to integrate its technology and acquisitions into a cohesive, easy-to-use platform that truly differentiates it in a competitive, fast-evolving market.

NEWS

November 12, 2025 · 7:45 AM UTC

Stewart Information Services Corporation Announces Participation in the Stephens Annual Investment Conference

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November 7, 2025 · 9:00 AM UTC

Stewart Strengthens Real Estate Services Portfolio by Announcing its Intent to Acquire Mortgage Contracting Services (MCS)

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October 22, 2025 · 4:15 PM UTC

Stewart Reports Third Quarter 2025 Results

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October 14, 2025 · 9:58 AM UTC

Stewart Information Services Corporation Announces Third Quarter 2025 Earnings Conference Call

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October 8, 2025 · 7:30 AM UTC

Stewart Announces FINCEN Reporting Services

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