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Stewart Information Services Corporation
NYSE: STC Financials Insurance 🔎 Screen
🏹 Trader: 🎯 Near 52W High | BRS 61 Forming View all →
$1.9B
Market Cap
17.3
P/E
1.73
PEG
8.9%
ROCE
8.5%
ROE
0.07
D/E
6.4%
OPM
-7.3%
% from 52W High
45
α RS
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🌏 Global Investor Returns
Currency-adjusted total returns for STC including FX impact
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📈 Price History
Ratio Health
Excellent
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Average
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By Category
📊 Sector Averages
About

Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services in the United States and internationally.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding STC
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 80.2K $4.9M 0.01% Mar 2026
Steve Cohen Point72 Asset Management 34.2K $2.1M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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3-Statement Financial Model
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📊 MIXED Stewart delivers adjusted EPS of $0.78 on 28% revenue growth in Q1 2026
Revenue & Profitability
Q1 2026 total revenue was $781 million, up 28% year-over-year. Adjusted net income was $24 million (up from $7 million), adjusted EPS of $0.78 (up from $0.25). GAAP net income was $17 million, diluted EPS $0.55. Title segment operating revenues up 21%, with title pre-tax income up over 100%. RES segment revenues up 66%.
Outlook
Management expects existing home sales growth of approximately 3%-5% for 2026 (revised from prior 6%-8%), with current sales bouncing near 4 million. Interest rates are a critical gauge; rates moved toward 6.3% in March, cooling activity. Commercial is expected to remain resilient with solid growth. Geopolitical tensions and macro conditions are headwinds.
Growth Drivers
Key growth levers: direct operations (Main Street Commercial up >20% year-over-year), national commercial services (40% growth, led by energy, industrial, data centers, retail), agency services (25% growth, commercial up 46%), real estate solutions (66% growth, including MCS acquisition and other operations growing >20%), and international (commercial up 14%).
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
Title segment adjusted pre-tax margin improved to 4% from 2% last year. RES adjusted pre-tax margin improved to 12.5% from ~10% last year, with expectation to reach low teens for the full year. Employee cost ratio improved to 29% from 31%. Title loss ratio improved to 3.1% from 3.5%; expected 2026 average 3.5%-4%. Management expects RES margins to trend higher as relationships mature.
Key Risks
Risks flagged include geopolitical tensions prolonging muted residential activity, interest rate volatility (rates moved from near 6% to 6.3% in March), seasonality (Q1 most impacted), and continued low existing home sales (~4 million). The company also faces integration costs from acquisitions and larger transaction size volatility in commercial.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-23
Second quarter saw 25% revenue growth and 17% net income increase, with strong gains in agency, commercial, and real estate solutions segments. Investments in talent and acquisitions are expected to drive further growth, despite a flat housing market and ongoing market volatility.
Q1 2026 Q1 2026 2026-04-23
Achieved strong Q1 results with 28% revenue growth and adjusted EPS of $0.78, driven by robust performance across all segments and strategic acquisitions. Margins and profitability improved, with continued momentum expected despite macro headwinds.
Q4 2025 Q4 2025 2026-02-05
Revenue grew 18% and net income 48% in 2025, with strong commercial and agency growth despite a weak housing market. Financial flexibility improved via a larger credit facility and equity raise, and the NCS acquisition is expected to boost future results.
Q3 2025 Q3 2025 2025-10-23
Q3 2025 saw 19% revenue and 40% earnings growth year-over-year, with strong gains across direct, agency, commercial, and international segments. Management expects gradual market improvement and continued margin expansion as volumes recover.
Q2 2025 Q2 2025 2025-07-24
Q2 2025 saw 20% revenue and 48% adjusted EPS growth year-over-year, driven by strong commercial and agency performance despite a flat housing market. Strategic acquisitions and investments in talent and technology are fueling momentum, with margins and cash flow also improving.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
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