Stewart Information Services Corporation (STC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the STC SEC filings page.
Stewart Information Services Corporation (STC) reported $3.3B in revenue over the twelve months to Jun 30, 2026, up 22.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The business is recovering from its FY2023 trough, but FY2025 expansion also brought a materially more leveraged financing structure.
FY2025 cash conversion was stronger than the income statement alone suggests: operating cash flow reached$206M versus net income of$116M . Free cash flow still rose to$132M despite capital expenditures increasing to$73M , indicating that reinvestment consumed cash but did not erase earnings-backed generation.
Net margin recovered to
Total assets expanded to
Financial Health Signals
Stewart Information Services Corporation does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Stewart Information Services Corporation passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Stewart Information Services Corporation 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
Earnings & Revenue
Stewart Information Services Corporation generated $899.2M in revenue in Q2 2026. This represents an increase of 24.5% from the same quarter a year earlier. Against the prior quarter it is up 15.1%.
Stewart Information Services Corporation reported $37.2M in net income in Q2 2026. This represents an increase of 16.6% from the same quarter a year earlier. Against the prior quarter it is up 119.4%.
Stewart Information Services Corporation earned $1.21 per diluted share (EPS) in Q2 2026. This represents an increase of 7.1% from the same quarter a year earlier. Against the prior quarter it is up 120.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Stewart Information Services Corporation generated $35.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 9.4% from the same quarter a year earlier. Against the prior quarter it is up 267.4%.
Stewart Information Services Corporation held $261.6M in cash as of Q2 2026; long-term debt is not reported for that period.
Stewart Information Services Corporation paid $0.53 per share in dividends in Q2 2026. This represents an increase of 6.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Stewart Information Services Corporation's net profit margin was 4.1% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.0 percentage points.
Stewart Information Services Corporation's ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Stewart Information Services Corporation spent $93K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 14.7% from the same quarter a year earlier. Against the prior quarter it is down 98.2%.
Stewart Information Services Corporation invested $25.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 72.4% from the same quarter a year earlier. Against the prior quarter it is up 54.8%.
Not reported for Q2 2026.
STC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $899.2M+24.5% | $781.3M+27.7% | $790.6M+18.7% | $796.9M+19.3% | $722.2M+19.9% | $612.0M+10.4% | $665.9M+14.4% | $667.9M+11.0% |
| SG&A Expenses | $241.1M+15.8% | $221.1M+19.0% | $225.4M+13.0% | $211.2M+9.0% | $208.2M+15.9% | $185.8M+7.8% | $199.4M+12.0% | $193.9M+6.8% |
| Interest Expense | $7.4M+50.2% | $7.6M+53.8% | $5.6M+9.5% | $4.9M0.0% | $5.0M+2.9% | $5.0M-1.9% | $5.1M+3.8% | $4.9M-3.1% |
| Income Tax | $13.3M+19.8% | $4.6M+841.3% | $10.8M+32.6% | $13.0M+42.2% | $11.1M+40.3% | $484K-48.3% | $8.2M+43.7% | $9.1M-0.1% |
| Net Income | $37.2M+16.6% | $17.0M+451.3% | $36.3M+59.5% | $44.3M+47.1% | $31.9M+84.1% | $3.1M-1.7% | $22.7M+158.0% | $30.1M+115.0% |
| EPS (Basic) | $1.22+7.0% | $0.56+409.1% | $1.28+56.1% | $1.58+45.0% | $1.14+81.0% | $0.110.0% | $0.82+148.5% | $1.09+113.7% |
| EPS (Diluted) | $1.21+7.1% | $0.55+400.0% | $1.26+55.6% | $1.55+44.9% | $1.13+82.3% | $0.110.0% | $0.81+153.1% | $1.07+109.8% |
| Diluted Shares (Avg) | 31M+8.9% | 31M+8.7% | N/A | 28M+1.0% | 28M+1.1% | 28M+1.1% | N/A | 28M+2.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
STC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+18.4% | $3.2B+19.6% | $3.3B+19.1% | $2.8B+4.2% | $2.8B+5.1% | $2.7B+2.1% | $2.7B+1.0% | $2.7B+2.3% |
| Cash & Equivalents | $261.6M+46.9% | $271.2M+82.6% | $321.8M+48.8% | $188.5M+2.6% | $178.1M+33.5% | $148.5M+7.3% | $216.3M-7.3% | $183.8M-9.5% |
| Short-Term Investments | $46.9M+2.5% | $46.3M+1.2% | $47.9M+16.3% | $44.6M-0.6% | $45.7M+5.5% | $45.7M+6.9% | $41.2M+5.6% | $44.9M+20.6% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $1.3B+18.4% | $1.3B+16.8% | $1.3B+17.3% | $1.1B+3.6% | $1.1B+1.1% | $1.1B+1.9% | $1.1B+1.1% | $1.1B+0.8% |
| Total Liabilities | $1.6B+21.3% | $1.6B+22.6% | $1.6B+21.5% | $1.4B+3.7% | $1.3B+4.8% | $1.3B+0.9% | $1.3B-0.4% | $1.3B+0.4% |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $445.8M+0.1% | N/A |
| Total Equity | $1.7B+15.7% | $1.6B+17.0% | $1.6B+17.0% | $1.5B+4.7% | $1.4B+5.4% | $1.4B+3.2% | $1.4B+2.2% | $1.4B+4.1% |
| Retained Earnings | $1.2B+6.5% | $1.1B+6.3% | $1.1B+5.1% | $1.1B+4.1% | $1.1B+2.9% | $1.1B+1.7% | $1.1B+1.7% | $1.1B+0.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
STC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $60.5M+13.2% | -$4.5M+85.0% | $89.5M+31.8% | $92.6M+21.7% | $53.4M+152.9% | -$29.9M-1.1% | $68.0M+72.2% | $76.1M+27.9% |
| Depreciation & Amortization | $17.6M+16.4% | $16.9M+10.0% | $15.2M-2.2% | $15.4M-0.6% | $15.2M-0.3% | $15.3M-0.4% | $15.6M-0.3% | $15.5M-5.7% |
| Stock-Based Compensation | N/A | $4.2M+19.6% | N/A | N/A | N/A | $3.5M+30.6% | N/A | N/A |
| Capital Expenditures | $25.5M+72.4% | $16.4M+33.5% | $27.2M+120.7% | $19.1M+119.4% | $14.8M+60.4% | $12.3M+20.5% | $12.3M+48.6% | $8.7M-37.8% |
| Free Cash Flow | $35.0M-9.4% | -$20.9M+50.4% | $62.3M+12.0% | $73.6M+9.1% | $38.7M+224.4% | -$42.2M-6.1% | $55.6M+78.5% | $67.4M+48.0% |
| Investing Cash Flow | -$51.6M-444.2% | -$21.9M-9.2% | -$276.5M-1664.1% | -$62.5M-308.4% | -$9.5M-6.7% | -$20.0M+57.8% | -$15.7M-331.1% | -$15.3M+48.0% |
| Financing Cash Flow | -$19.7M-16.4% | -$22.9M-22.6% | $319.9M+2190.0% | -$19.1M-58.4% | -$16.9M-0.5% | -$18.6M-11.2% | -$15.3M+14.7% | -$12.1M+21.9% |
| Dividends Paid | $16.4M+17.4% | $16.3M+17.2% | $15.9M+14.3% | $14.7M+6.1% | $14.0M+6.5% | $13.9M+6.7% | $13.9M+6.8% | $13.9M+6.6% |
| Share Buybacks | $93K-14.7% | $5.2M+55.5% | $322K+42.5% | $91K-9.9% | $109K-14.2% | $3.4M-0.7% | $226K+9.2% | $101K-54.7% |
STC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 4.1%-0.3pp | 2.2%+1.7pp | 4.6%+1.2pp | 5.5%+1.0pp | 4.4%+1.5pp | 0.5%-0.1pp | 3.4%+1.9pp | 4.5%+2.2pp |
| Return on Equity | 2.2%0.0pp | 1.0%+0.8pp | 2.2%+0.6pp | 3.0%+0.9pp | 2.2%+1.0pp | 0.2%0.0pp | 1.6%+1.0pp | 2.1%+1.1pp |
| Return on Assets | 1.1%0.0pp | 0.5%+0.4pp | 1.1%+0.3pp | 1.6%+0.5pp | 1.1%+0.5pp | 0.1%0.0pp | 0.8%+0.5pp | 1.1%+0.6pp |
| Debt-to-Equity | 0.970.0x | 0.970.0x | 0.98+0.7x | 0.930.0x | 0.930.0x | 0.930.0x | 0.320.0x | 0.930.0x |
| Asset Turnover | 0.270.0x | 0.240.0x | 0.240.0x | 0.280.0x | 0.260.0x | 0.230.0x | 0.240.0x | 0.240.0x |
| FCF Margin | 3.9%-1.4pp | -2.7%+4.2pp | 7.9%-0.5pp | 9.2%-0.9pp | 5.3%+3.4pp | -6.9%+0.3pp | 8.3%+3.0pp | 10.1%+2.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Stewart Information Services Corporation STC | FY2025 | $2.9B | $115.5M | 4.0% | $1.6B | — |
| HCI Group, Inc. HCI | FY2025 | $900.9M | $320.4M | 35.6% | $2.3B | 61/100 |
| Kemper Corporation KMPR | FY2025 | $4.8B | $143.3M | 3.0% | $1.5B | 8/100 |
| Palomar Holdings, Inc. PLMR | FY2025 | $876.0M | $197.1M | 22.5% | $3.3B | 67/100 |
| Lemonade, Inc. LMND | FY2025 | $737.9M | -$166.0M | -22.5% | $3.6B | 48/100 |
| Skyward Specialty Insurance Group, Inc. SKWD | FY2025 | $1.4B | $170.0M | 12.0% | $2.5B | 42/100 |
Where Stewart Information Services Corporation Ranks
Frequently Asked Questions
What is Stewart Information Services Corporation's annual revenue?
Stewart Information Services Corporation (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 Information Services Corporation's revenue growing?
Stewart Information Services Corporation (STC) revenue grew by 17.3% year-over-year, from $2.5B to $2.9B in fiscal year 2025.
Is Stewart Information Services Corporation profitable?
Yes, Stewart Information Services Corporation (STC) reported a net income of $115.5M in fiscal year 2025, with a net profit margin of 4.0%.
What is Stewart Information Services Corporation's net profit margin?
Stewart Information Services Corporation (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 Information Services Corporation pay dividends?
Yes, Stewart Information Services Corporation (STC) paid $2.05 per share in dividends during fiscal year 2025.
What is Stewart Information Services Corporation's return on equity (ROE)?
Stewart Information Services Corporation (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 Information Services Corporation's free cash flow?
Stewart Information Services Corporation (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 Information Services Corporation's operating cash flow?
Stewart Information Services Corporation (STC) generated $205.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Stewart Information Services Corporation's total assets?
Stewart Information Services Corporation (STC) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Stewart Information Services Corporation's capital expenditures?
Stewart Information Services Corporation (STC) invested $73.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Stewart Information Services Corporation's debt-to-equity ratio?
Stewart Information Services Corporation (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 Information Services Corporation's return on assets (ROA)?
Stewart Information Services Corporation (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 Information Services Corporation's P/E ratio?
Stewart Information Services Corporation (STC) trades at 11.7x earnings, its market capitalization divided by net income of $134.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.6B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Stewart Information Services Corporation's price-to-sales ratio?
Stewart Information Services Corporation (STC) trades at 0.5x sales, its market capitalization divided by revenue of $3.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.6B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Stewart Information Services Corporation's Piotroski F-Score?
Stewart Information Services Corporation (STC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Stewart Information Services Corporation's earnings high quality?
Stewart Information Services Corporation (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.