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Stewart Information Services
(NYSE:STC)
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Rating:64Neutral
Price Target:
$47.00
▼(-32.18% Downside)
Action:Reiterated
Date:10/24/26
The score is driven primarily by improving financial performance (profit and cash flow recovery with manageable leverage) and supportive valuation (low P/E and strong dividend yield). These positives are tempered by weak technical momentum (price below key moving averages with negative MACD and very low RSI) and a mixed earnings outlook due to expected near-term residential market deterioration and margin pressure.
Positive Factors
Commercial growth and competitive position
Commercial expansion provides a durable counterweight to residential weakness because it broadens Stewart’s exposure across asset classes and transaction types. Strong orders, pipeline visibility and improving competitive positioning can support steadier growth and deepen relationships with commercial customers over the next several quarters.
Negative Factors
Residential market deterioration
Residential title and closing activity remains exposed to mortgage rates and housing turnover, and management expects conditions to worsen into the next quarter. Prolonged low transaction volumes would pressure revenue, reduce operating leverage and keep the company’s core earnings below prior-cycle levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Commercial growth and competitive position
Commercial expansion provides a durable counterweight to residential weakness because it broadens Stewart’s exposure across asset classes and transaction types. Strong orders, pipeline visibility and improving competitive positioning can support steadier growth and deepen relationships with commercial customers over the next several quarters.
Read all positive factors
Stewart Information Services Key Performance Indicators (KPIs)
Any
Revenue by Geography
Allocates revenue across states or regions to show where the company is most exposed and where growth or weakness is concentrated, helping assess sensitivity to local housing markets, regional demand swings, and state-specific regulations.
Allocates revenue across states or regions to show where the company is most exposed and where growth or weakness is concentrated, helping assess sensitivity to local housing markets, regional demand swings, and state-specific regulations.
Data provided by:
The Fly
The FlyStewart Information Services (STC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.35B
Dividend Yield4.82%
Average Volume (3M)347.94K
Price to Earnings (P/E)11.0
Beta (1Y)0.75
Revenue Growth20.55%
EPS GrowthN/A
CountryUS
Employees7,800
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)4.59
Shares Outstanding30,526,000
10 Day Avg. Volume358,517
30 Day Avg. Volume347,940
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)1.24
Price to Sales (P/S)0.70
P/FCF Ratio15.42
Enterprise Value/Market Cap1.74
Enterprise Value/Revenue0.72
Enterprise Value/Gross Profit0.89
Enterprise Value/Ebitda8.45
Forecast
1Y Price Target
$69.00Price Target Upside-0.43% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.15
Revenue Forecast (FY)$3.45B
Stewart Information Services Business Overview & Revenue Model
Company Description
Stewart Information Services Corporation (STC) operates as a key provider of title insurance and related services essential for real estate transactions, delivered through its various subsidiary entities. The company's operations are divided into ...
How the Company Makes Money
STC primarily makes money by facilitating real estate transactions and managing related risks, with revenue concentrated in title and closing activities. The company’s key revenue streams include: (1) Title insurance premiums: STC earns premium re...
Stewart Information Services Earnings Call Summary
Earnings Call Date:Oct 21, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Feb 10, 2027
Earnings Call Sentiment Neutral
The call was mixed. Stewart highlighted strong commercial, agency, Real Estate Solutions, acquisition, AI, dividend, and balance-sheet progress, but these positives were offset by declining residential volumes, lower quarterly earnings, title margin pressure, weaker operating cash flow, Real Estate Solutions volume and margin compression, and expectations that residential market conditions will continue to deteriorate into the next quarter.Positive Updates
Year-to-Date Revenue and Adjusted EPS Growth
Year to date, total operating revenue was up 22% and adjusted EPS growth was up 8%. Third-quarter adjusted EPS was $1.33.
Negative Updates
Residential Housing Market Deterioration
The 30-year mortgage rate rose to around 7.5% into October, and existing home sales were below $4 million for two of the three months in the quarter, declining about 3% to 4% year over year in August and September. Management expects residential market conditions to continue to decay into the next quarter.
Read all updates
Q3-2026 Updates
Positive
Negative
Year-to-Date Revenue and Adjusted EPS Growth
Year to date, total operating revenue was up 22% and adjusted EPS growth was up 8%. Third-quarter adjusted EPS was $1.33.
Read all positive updates
Company Guidance
Management said residential market conditions will continue to decay into the next quarter, with the residential market likely continuing at this level, while Real Estate Solutions should get to low to mid teens margin delivery through the execution of its strategic priorities over the next 2 to 3 quarters; at a 4.1-4.2 kind of existing home sales level, that business is expected to be about a 13-14% margin business, although margins are expected to remain at 10-10.5% for the next couple of quarters before migrating back up after the next couple of 2 quarters. Title losses are expected to average from mid-3% to 4% over a year, commercial growth opportunity is expected in the next couple of years, and AI initiatives are expected to have a robust financial impact in 18 months and help manage expenses over the next 4 to 6 quarters if the residential market sits at 4.1 million longer.Stewart Information Services Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
71
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.27B | 2.92B | 2.49B | 2.26B | 3.07B | 3.31B |
| Gross Profit | 2.63B | 2.56B | 2.41B | 2.18B | 2.97B | 3.18B |
| EBITDA | 276.64M | 241.43M | 195.84M | 143.04M | 308.23M | 475.39M |
| Net Income | 134.74M | 115.56M | 73.31M | 30.44M | 162.31M | 323.22M |
Balance Sheet | ||||||
| Total Assets | 3.29B | 3.25B | 2.73B | 2.70B | 2.74B | 2.81B |
| Cash, Cash Equivalents and Short-Term Investments | 308.52M | 369.67M | 257.50M | 272.39M | 272.69M | 503.57M |
| Total Debt | 770.98M | 768.76M | 564.68M | 580.94M | 595.01M | 632.91M |
| Total Liabilities | 1.62B | 1.60B | 1.32B | 1.32B | 1.37B | 1.52B |
| Stockholders Equity | 1.66B | 1.64B | 1.40B | 1.37B | 1.36B | 1.28B |
Cash Flow | ||||||
| Free Cash Flow | 149.97M | 132.28M | 95.14M | 45.25M | 143.91M | 350.49M |
| Operating Cash Flow | 238.20M | 205.69M | 135.61M | 83.04M | 191.86M | 390.29M |
| Investing Cash Flow | -412.58M | -368.58M | -87.26M | -29.97M | -300.67M | -645.28M |
| Financing Cash Flow | 258.22M | 265.21M | -60.96M | -69.10M | -123.22M | 310.37M |
Stewart Information Services Technical Analysis
Negative
69.30
Price Trends
60.40
Negative
63.56
Negative
64.43
Negative
Market Momentum
-3.17
Negative
21.37
Positive
33.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For STC, the sentiment is Negative. The current price of 69.3 is above the 20-day moving average (MA) of 51.43, above the 50-day MA of 60.40, and above the 200-day MA of 64.43, indicating a bearish trend. The MACD of -3.17 indicates Negative momentum. The RSI at 21.37 is Positive, neither overbought nor oversold. The STOCH value of 33.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for STC.
Stewart Information Services Risk Analysis
Stewart Information Services disclosed 25 risk factors in its most recent earnings report. Stewart Information Services reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Stewart Information Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $14.04B | 13.40 | 18.03% | 1.24% | 9.36% | 52.85% | |
76 Outperform | $1.01B | 8.01 | 27.38% | ― | 19.34% | ― | |
70 Outperform | $9.39B | 8.55 | 18.56% | 9.60% | 12.51% | 33.80% | |
69 Neutral | $2.01B | -144.62 | 25.17% | ― | 15.79% | -125.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.35B | 11.05 | 7.30% | 4.82% | 20.55% | ― | |
52 Neutral | $3.48B | -24.02 | -26.78% | ― | 76.73% | 35.36% |
* Financial Sector Average
STC
Stewart Information Services
44.07
-27.76
-38.65%
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Stewart Information Services Corporate Events
Business Operations and StrategyDividends
Stewart Information Services Announces Annual Dividend Increase
Positive
Aug 31, 2026
On August 31, 2026, Stewart Information Services Corporation announced that its Board of Directors had approved an increase in the company’s annual cash dividend from $2.10 to $2.20 per share. The higher rate takes effect with the third quar...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.