What is Stewart Info's earnings per share (EPS)?

Stewart Info (STC) reported diluted earnings per share of $4.05 for fiscal year 2025. This represents a 55.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Stewart Info Financials

STC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Stewart Info (STC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 52/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Stewart Info's revenue surged 17.3% year-over-year to $2.9B, reflecting rapid business expansion. This strong growth earns a score of 62/100.

Leverage

Stewart Info carries a low D/E ratio of 0.98, meaning only $0.98 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 82/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Stewart Info has a free cash flow margin of 4.5%, earning a moderate score of 36/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Stewart Info generates a 7.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 27/100. This is up from 5.2% the prior year.

Piotroski F-Score Neutral

5/9

Stewart Info passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.78x

For every $1 of reported earnings, Stewart Info generates $1.78 in operating cash flow ($205.7M OCF vs $115.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.9B

YoY+17.3%

5Y CAGR+5.0%

10Y CAGR+3.7%

Stewart Info generated $2.9B in revenue in fiscal year 2025. This represents an increase of 17.3% from the prior year.

EBITDA

N/A

Net Income

$115.5M

YoY+57.6%

5Y CAGR-5.7%

Stewart Info reported $115.5M in net income in fiscal year 2025. This represents an increase of 57.6% from the prior year.

EPS (Diluted)

$4.05

YoY+55.2%

5Y CAGR-8.2%

Stewart Info earned $4.05 per diluted share (EPS) in fiscal year 2025. This represents an increase of 55.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$132.3M

YoY+39.0%

5Y CAGR-12.7%

10Y CAGR+8.1%

Stewart Info generated $132.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.0% from the prior year.

Cash & Debt

$321.8M

YoY+48.8%

5Y CAGR-5.8%

10Y CAGR+6.0%

Stewart Info held $321.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.05

YoY+5.1%

5Y CAGR+11.3%

10Y CAGR+9.9%

Stewart Info paid $2.05 per share in dividends in fiscal year 2025. This represents an increase of 5.1% from the prior year.

Shares Outstanding

30M

YoY+8.9%

5Y CAGR+2.5%

10Y CAGR+2.6%

Stewart Info had 30M shares outstanding in fiscal year 2025. This represents an increase of 8.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

4.0%

YoY+1.0pp

5Y CAGR-2.8pp

10Y CAGR+4.3pp

Stewart Info's net profit margin was 4.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.0 percentage points from the prior year.

Return on Equity

7.0%

YoY+1.8pp

5Y CAGR-8.4pp

10Y CAGR+8.0pp

Stewart Info's ROE was 7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$3.9M

YoY+1.1%

5Y CAGR+29.8%

10Y CAGR-17.9%

Stewart Info spent $3.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1.1% from the prior year.

Capital Expenditures

$73.4M

YoY+81.4%

5Y CAGR+37.4%

10Y CAGR+14.1%

Stewart Info invested $73.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 81.4% from the prior year.

STC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.9B+17.3%	$2.5B+10.3%	$2.3B-26.5%	$3.1B-7.2%	$3.3B+44.5%	$2.3B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$20.4M+2.7%	$19.9M+0.9%	$19.7M+7.2%	$18.4M+265.8%	$5.0M+91.7%	$2.6M
Income Tax	$35.4M+35.4%	$26.2M+71.4%	$15.3M-70.0%	$50.9M-45.9%	$94.0M+92.5%	$48.8M
Net Income	$115.5M+57.6%	$73.3M+140.8%	$30.4M-81.2%	$162.3M-49.8%	$323.2M+108.7%	$154.9M
EPS (Diluted)	$4.05+55.2%	$2.61+135.1%	$1.11-81.3%	$5.94-50.1%	$11.90+91.3%	$6.22

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$790.6M-0.8%	$796.9M+10.3%	$722.2M+18.0%	$612.0M-8.1%	$665.9M-0.3%	$667.9M+10.9%	$602.2M+8.6%	$554.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.6M+15.0%	$4.9M-1.1%	$5.0M-0.2%	$5.0M-3.6%	$5.1M+5.0%	$4.9M+1.8%	$4.8M-4.9%	$5.1M
Income Tax	$10.8M-16.7%	$13.0M+16.5%	$11.1M+2201.9%	$484K-94.1%	$8.2M-10.6%	$9.1M+14.9%	$7.9M+748.3%	$936K
Net Income	$36.3M-18.0%	$44.3M+38.6%	$31.9M+937.4%	$3.1M-86.5%	$22.7M-24.4%	$30.1M+73.5%	$17.3M+454.1%	$3.1M
EPS (Diluted)	N/A	$1.55+37.2%	$1.13+927.3%	$0.11	N/A	$1.07+72.6%	$0.62+463.6%	$0.11

STC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B+19.1%	$2.7B+1.0%	$2.7B-1.3%	$2.7B-2.7%	$2.8B+42.2%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$321.8M+48.8%	$216.3M-7.3%	$233.4M-6.0%	$248.4M-48.9%	$485.9M+12.3%	$432.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.3B+17.3%	$1.1B+1.1%	$1.1B-0.1%	$1.1B+16.0%	$924.8M+114.3%	$431.5M
Total Liabilities	$1.6B+21.5%	$1.3B-0.4%	$1.3B-3.2%	$1.4B-9.9%	$1.5B+57.2%	$966.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$445.8M+0.1%	$445.3M-0.4%	$447.0M-7.5%	$483.5M+375.1%	$101.8M
Total Equity	$1.6B+17.0%	$1.4B+2.2%	$1.4B+0.7%	$1.4B+6.3%	$1.3B+27.5%	$1.0B
Retained Earnings	$1.1B+5.1%	$1.1B+1.7%	$1.1B-1.9%	$1.1B+12.0%	$974.8M+41.5%	$688.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.3B+14.3%	$2.8B+2.3%	$2.8B+2.7%	$2.7B-0.8%	$2.7B0.0%	$2.7B+3.2%	$2.6B-0.2%	$2.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$321.8M+70.7%	$188.5M+5.8%	$178.1M+19.9%	$148.5M-31.3%	$216.3M+17.7%	$183.8M+37.8%	$133.4M-3.6%	$138.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.3B+13.6%	$1.1B+2.5%	$1.1B0.0%	$1.1B+0.8%	$1.1B+0.3%	$1.1B0.0%	$1.1B+0.8%	$1.1B
Total Liabilities	$1.6B+17.5%	$1.4B+2.2%	$1.3B+2.7%	$1.3B-1.5%	$1.3B+0.3%	$1.3B+3.2%	$1.3B-1.0%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$445.8M	N/A	N/A	N/A
Total Equity	$1.6B+11.4%	$1.5B+2.5%	$1.4B+2.7%	$1.4B-0.1%	$1.4B-0.4%	$1.4B+3.1%	$1.4B+0.5%	$1.4B
Retained Earnings	$1.1B+1.8%	$1.1B+2.7%	$1.1B+1.6%	$1.1B-1.0%	$1.1B+0.8%	$1.1B+1.5%	$1.1B+0.4%	$1.1B

STC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$205.7M+51.7%	$135.6M+63.3%	$83.0M-56.7%	$191.9M-50.8%	$390.3M+41.5%	$275.8M
Capital Expenditures	$73.4M+81.4%	$40.5M+7.1%	$37.8M-21.2%	$47.9M+20.5%	$39.8M+165.5%	$15.0M
Free Cash Flow	$132.3M+39.0%	$95.1M+110.3%	$45.3M-68.6%	$143.9M-58.9%	$350.5M+34.4%	$260.8M
Investing Cash Flow	-$368.6M-322.4%	-$87.3M-191.2%	-$30.0M+90.0%	-$300.7M+53.4%	-$645.3M-178.9%	-$231.4M
Financing Cash Flow	$265.2M+535.1%	-$61.0M+11.8%	-$69.1M+43.9%	-$123.2M-139.7%	$310.4M+471.6%	$54.3M
Dividends Paid	$58.5M+8.5%	$53.9M+6.7%	$50.5M+13.1%	$44.7M+21.9%	$36.6M+21.2%	$30.2M
Share Buybacks	$3.9M+1.1%	$3.8M+115.6%	$1.8M-45.3%	$3.3M+44.8%	$2.3M+113.7%	$1.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$89.5M-3.3%	$92.6M+73.4%	$53.4M+278.5%	-$29.9M-144.0%	$68.0M-10.7%	$76.1M+260.4%	$21.1M+171.4%	-$29.6M
Capital Expenditures	$27.2M+42.7%	$19.1M+29.3%	$14.8M+19.9%	$12.3M-0.2%	$12.3M+41.9%	$8.7M-5.5%	$9.2M-9.9%	$10.2M
Free Cash Flow	$62.3M-15.3%	$73.6M+90.3%	$38.7M+191.5%	-$42.2M-176.0%	$55.6M-17.5%	$67.4M+465.7%	$11.9M+129.9%	-$39.8M
Investing Cash Flow	-$276.5M-342.1%	-$62.5M-559.1%	-$9.5M+52.6%	-$20.0M-27.6%	-$15.7M-2.4%	-$15.3M-72.2%	-$8.9M+81.2%	-$47.4M
Financing Cash Flow	$319.9M+1771.1%	-$19.1M-13.4%	-$16.9M+9.5%	-$18.6M-21.8%	-$15.3M-26.6%	-$12.1M+28.1%	-$16.8M-0.2%	-$16.8M
Dividends Paid	$15.9M+7.9%	$14.7M+5.3%	$14.0M+0.2%	$13.9M+0.4%	$13.9M+0.2%	$13.9M+5.7%	$13.1M+0.4%	$13.1M
Share Buybacks	$322K+253.8%	$91K-16.5%	$109K-96.8%	$3.4M+1388.9%	$226K+123.8%	$101K-20.5%	$127K-96.3%	$3.4M

STC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.0%+1.0pp	2.9%+1.6pp	1.4%-3.9pp	5.3%-4.5pp	9.8%+3.0pp	6.8%
Return on Equity	7.0%+1.8pp	5.2%+3.0pp	2.2%-9.7pp	11.9%-13.3pp	25.2%+9.8pp	15.4%
Return on Assets	3.5%+0.9pp	2.7%+1.6pp	1.1%-4.8pp	5.9%-5.6pp	11.5%+3.7pp	7.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.98+0.7	0.320.0	0.320.0	0.33-0.0	0.38+0.3	0.10
FCF Margin	4.5%+0.7pp	3.8%+1.8pp	2.0%-2.7pp	4.7%-5.9pp	10.6%-0.8pp	11.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.6%-1.0pp	5.5%+1.1pp	4.4%+3.9pp	0.5%-2.9pp	3.4%-1.1pp	4.5%+1.6pp	2.9%+2.3pp	0.6%
Return on Equity	2.2%-0.8pp	3.0%+0.8pp	2.2%+2.0pp	0.2%-1.4pp	1.6%-0.5pp	2.1%+0.9pp	1.3%+1.0pp	0.2%
Return on Assets	1.1%-0.4pp	1.6%+0.4pp	1.1%+1.0pp	0.1%-0.7pp	0.8%-0.3pp	1.1%+0.4pp	0.7%+0.5pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.98+0.1	0.930.0	0.930.0	0.93+0.6	0.32-0.6	0.930.0	0.93-0.0	0.95
FCF Margin	7.9%-1.3pp	9.2%+3.9pp	5.3%+12.3pp	-6.9%-15.3pp	8.3%-1.7pp	10.1%+8.1pp	2.0%+9.2pp	-7.2%

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Frequently Asked Questions

What is Stewart Info's annual revenue?

Stewart Info (STC) reported $2.9B in total revenue for fiscal year 2025. This represents a 17.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Stewart Info's revenue growing?

Stewart Info (STC) revenue grew by 17.3% year-over-year, from $2.5B to $2.9B in fiscal year 2025.

Is Stewart Info profitable?

Yes, Stewart Info (STC) reported a net income of $115.5M in fiscal year 2025, with a net profit margin of 4.0%.

What is Stewart Info's net profit margin?

Stewart Info (STC) had a net profit margin of 4.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Stewart Info pay dividends?

Yes, Stewart Info (STC) paid $2.05 per share in dividends during fiscal year 2025.

What is Stewart Info's return on equity (ROE)?

Stewart Info (STC) has a return on equity of 7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Stewart Info's free cash flow?

Stewart Info (STC) generated $132.3M in free cash flow during fiscal year 2025. This represents a 39.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Stewart Info's operating cash flow?

Stewart Info (STC) generated $205.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Stewart Info's total assets?

Stewart Info (STC) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Stewart Info's capital expenditures?

Stewart Info (STC) invested $73.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Stewart Info buy back shares?

Yes, Stewart Info (STC) spent $3.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Stewart Info have outstanding?

Stewart Info (STC) had 30M shares outstanding as of fiscal year 2025.

What is Stewart Info's debt-to-equity ratio?

Stewart Info (STC) had a debt-to-equity ratio of 0.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Stewart Info's return on assets (ROA)?

Stewart Info (STC) had a return on assets of 3.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Stewart Info's Piotroski F-Score?

Stewart Info (STC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Stewart Info's earnings high quality?

Stewart Info (STC) has an earnings quality ratio of 1.78x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Stewart Info?

Stewart Info (STC) scores 52 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.