Stocks · Financial Services · Insurance - Property & Casualty
Stewart Information Services Corporation STC
$51.55 +1.76% Close, Oct 2, 2026 · NYSE · Market cap $1.57B
High qualityWeak trendInexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.56, up 46.6% year over year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- The diluted share count rose 8.9% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 20%
- EPS growth (TTM, YoY)Top 22%
- FCF growth (TTM, YoY)Top 44%
- Revenue growth, 3-year CAGRBottom 7%
- Revenue growth accelerationTop 36%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 25%
- Gross marginTop 14%
- Operating marginBottom 15%
- Cash conversion (OCF / net income)Top 22%
- Accruals (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Bottom 43%
- Interest coverTop 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 27%
- Free-cash-flow yieldTop 40%
- EBITDA / enterprise valueTop 16%
- Sales / enterprise valueTop 6%
- P/E vs own 5-year history (lower is better)Top 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 20%
- 6-month returnBottom 7%
- 1-year return vs S&P 500Bottom 11%
- Distance from 52-week highBottom 13%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 15%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 37%
- Upside to consensus price targetTop 7%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 13%
- Maximum drawdown, 3 yearsBottom 34%
- Beta vs S&P 500 (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Bottom 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 21.3% | 22.5% | ↑ |
| EPS growth (YoY) | 72.3% | 46.6% | ↓ |
| Gross margin | 97.0% | 80.5% | ↓ |
| Operating margin | 4.9% | 6.1% | ↑ |
| FCF margin | 4.5% | 4.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 22.5% | 21.3% | ↑ | Top 20% |
| EPS growth (TTM, YoY) | 46.6% | 72.3% | ↓ | Top 22% |
| Gross margin | 80.5% | 97.0% | ↓ | Top 14% |
| Operating margin | 6.1% | 4.9% | ↑ | Bottom 15% |
| Net margin | 4.1% | 3.3% | ↑ | — |
| Free-cash-flow margin | 4.6% | 4.5% | ↑ | — |
| Return on invested capital | 6.2% | — | Top 25% | |
| Revenue growth, 3-year CAGR | -1.6% | — | Bottom 7% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.77×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +14.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.84×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 7.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.04%
- Net buyback yield (TTM)
- -0.12%
- Shareholder yield
- 3.92%
- Share count change, 1 year
- +8.9%
- Share count change, 3-year CAGR
- +4.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +19.5%
- Average 2-day reaction, last 8
- +1.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $87.00
- Target vs current price
- +68.8%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 38%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -14.7% | -0.6% | -0.9% | -3.0% | — |
| Apr 22, 2026 | +50.0% | +1.6% | +6.0% | -0.4% | +7.1% |
| Feb 4, 2026 | +20.4% | +1.6% | +6.0% | +3.3% | +3.2% |
| Oct 22, 2025 | +22.4% | +5.2% | +0.3% | +0.8% | -7.6% |
| Jul 23, 2025 | -2.2% | +0.6% | +10.5% | +19.8% | +18.4% |
| Apr 23, 2025 | -24.2% | +1.5% | -0.9% | -1.7% | -11.2% |
| Feb 5, 2025 | +0.9% | +1.7% | +5.2% | +9.5% | +0.7% |
| Oct 23, 2024 | +12.5% | -0.9% | +1.5% | +7.4% | -3.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.39 | $1.63 | -14.7% | $895.8M |
| Apr 22, 2026 | $0.78 | $0.52 | +50.0% | $778.4M |
| Feb 4, 2026 | $1.65 | $1.37 | +20.4% | $794.4M |
| Oct 22, 2025 | $1.64 | $1.34 | +22.4% | $796.9M |
| Jul 23, 2025 | $1.34 | $1.37 | -2.2% | $722.2M |
| Apr 23, 2025 | $0.25 | $0.33 | -24.2% | $596.3M |
| Feb 5, 2025 | $1.12 | $1.11 | +0.9% | $665.9M |
| Oct 23, 2024 | $1.17 | $1.04 | +12.5% | $663.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.3× | 17.6× | 33th | Top 27% |
| P/E (forward) | 9.4× | — | — | — |
| EV / EBITDA | 7.5× | — | — | Top 16% |
| EV / Sales | 0.64× | — | — | Top 6% |
| Free-cash-flow yield | 9.56% | — | — | Top 40% |
| Earnings yield | 8.85% | — | — | Top 27% |
P/E over the past five years
Range 4.3× – 56.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -29.2%
- Earnings per share growth (TTM)
- +46.6%
- Change in P/E multiple
- -31.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.9%
- 200-day average slope (20 days)
- -1.9%
- Distance from 50-day average
- -21.6%
- Distance from 200-day average
- -22.9%
- RSI (14)
- 19.4
- Relative volume
- 1.24×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 43.0%
- Volatility vs own 5-year history
- 98th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.75
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -33.2%
- Maximum drawdown, 3 years
- -35.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 29, 2021 | Mar 17, 2023 | -54.6% | 305 days | Not yet recovered |
| Feb 18, 2021 | Feb 26, 2021 | -14.4% | 6 days | 28 days (Apr 8, 2021) |
| Oct 6, 2020 | Nov 9, 2020 | -13.8% | 24 days | 22 days (Dec 10, 2020) |
| Jan 12, 2021 | Jan 29, 2021 | -11.8% | 12 days | 9 days (Feb 11, 2021) |
| May 7, 2021 | Jul 8, 2021 | -11.6% | 42 days | 35 days (Aug 26, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.57B
- P/E (TTM)
- 11.3
- EPS, diluted (TTM)
- $4.56
- Revenue (TTM)
- $3.27B
- Dividend yield
- 4.12%
- 52-week range
- $48.74 – $78.61
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.31B | $3.07B | $2.26B | $2.49B | $2.92B |
| Gross profit | $3.18B | $2.97B | $2.18B | $2.41B | $2.56B |
| Operating income | $434.0M | $232.7M | $60.9M | $114.3M | $165.5M |
| Net income | $323.2M | $162.3M | $30.4M | $73.3M | $115.6M |
| EPS (diluted) | $11.90 | $5.94 | $1.11 | $2.61 | $4.04 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $667.9M | $665.9M | $612.0M | $722.2M | $796.9M | $790.6M | $781.3M | $899.2M |
| Net income | $30.1M | $22.7M | $3.1M | $31.9M | $44.3M | $36.3M | $17.0M | $37.2M |
| EPS (diluted) | $1.07 | $0.80 | $0.11 | $1.13 | $1.55 | $1.25 | $0.55 | $1.21 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $390.3M | $191.9M | $83.0M | $135.6M | $205.7M |
| Capital expenditure | -$39.8M | -$47.9M | -$37.8M | -$40.5M | -$73.4M |
| Free cash flow | $350.5M | $143.9M | $45.3M | $95.1M | $132.3M |
| Dividends paid | -$36.6M | -$44.7M | -$50.5M | -$53.9M | -$58.5M |
| Net share buybacks | -$2.3M | -$3.3M | -$1.8M | -$3.8M | $144.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $308.5M
- Total assets
- $3.29B
- Total liabilities
- $1.62B
- Total debt
- $771.0M
- Net debt
- $509.3M
- Shareholders’ equity
- $1.66B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.55 | Sep 30, 2026 |
| Jun 15, 2026 | $0.53 | Jun 30, 2026 |
| Mar 16, 2026 | $0.53 | Mar 31, 2026 |
| Dec 15, 2025 | $0.53 | Dec 30, 2025 |
| Sep 16, 2025 | $0.53 | Sep 30, 2025 |
| Jun 16, 2025 | $0.50 | Jun 30, 2025 |
| Mar 17, 2025 | $0.50 | Mar 31, 2025 |
| Dec 16, 2024 | $0.50 | Dec 30, 2024 |
Short interest
- Shares sold short
- 1,210,463
- Days to cover
- 4.89
- Change vs previous report
- +6.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 24, 1999
- 2-for-1
- Apr 29, 1994
- 3-for-2
- Mar 22, 1983
- 2-for-1