Stewart Info (STC) reported $2.9B in revenue for fiscal year 2025, up 17.3% from the prior fiscal year. 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).
Stewart’s earnings engine is volume-sensitive, and a sticky overhead base keeps margin recovery behind revenue recovery.
FY2025 was a balance-sheet expansion year: total assets grew by$523M and goodwill by$188M , which points to purchased asset growth rather than a purely organic rebound. The simultaneous financing inflow of$265M and higher liabilities show that this expansion was not funded by operating cash alone.
Even after the FY2025 rebound, SG&A still absorbed
Reported earnings have been weaker than cash generation suggests, with FY2025 operating cash flow of
Financial Health Signals
Stewart Info 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 Info 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 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
Earnings & Revenue
Stewart Info generated $2.9B in revenue in fiscal year 2025. This represents an increase of 17.3% from the prior year.
Stewart Info reported $115.5M in net income in fiscal year 2025. This represents an increase of 57.6% from the prior year.
Stewart Info earned $4.05 per diluted share (EPS) in fiscal year 2025. This represents an increase of 55.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Stewart Info held $321.8M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Stewart Info paid $2.05 per share in dividends in fiscal year 2025. This represents an increase of 5.1% from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
STC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.3B | $2.9B+17.3% | $2.5B+10.3% | $2.3B-26.5% | $3.1B-7.2% | $3.3B+44.5% | $2.3B+18.0% | $1.9B+1.7% | $1.9B-2.5% | $2.0B-2.5% | $2.0B-1.3% | $2.0B+8.7% | $1.9B-3.0% | $1.9B+0.9% | $1.9B+16.9% | $1.6B |
| SG&A Expenses | $898.7M | $830.6M+11.4% | $745.4M+4.6% | $712.8M-11.1% | $802.0M+3.2% | $777.0M+26.7% | $613.2M+8.1% | $567.2M+0.8% | $562.5M-0.7% | $566.2M-6.3% | $604.4M-8.2% | $658.3M+5.4% | $624.3M+9.3% | $571.0M+5.3% | $542.5M+15.5% | $469.8M |
| Interest Expense | $25.6M | $20.4M+2.7% | $19.9M+0.9% | $19.7M+7.2% | $18.4M+265.8% | $5.0M+91.7% | $2.6M-39.6% | $4.3M+12.0% | $3.9M+12.1% | $3.5M+12.9% | $3.1M+46.1% | $2.1M-35.2% | $3.2M+9.5% | $3.0M-43.5% | $5.2M-0.6% | $5.3M |
| Income Tax | $41.7M | $35.4M+35.4% | $26.2M+71.4% | $15.3M-70.0% | $50.9M-45.9% | $94.0M+92.5% | $48.8M+82.9% | $26.7M+97.6% | $13.5M-9.5% | $14.9M-23.9% | $19.6M+247.0% | $5.7M-58.2% | $13.5M-52.6% | $28.5M+196.1% | -$29.6M-417.3% | $9.3M |
| Net Income | $134.7M | $115.5M+57.6% | $73.3M+140.8% | $30.4M-81.2% | $162.3M-49.8% | $323.2M+108.7% | $154.9M+97.0% | $78.6M+65.4% | $47.5M-2.3% | $48.7M-12.3% | $55.5M+994.2% | -$6.2M-120.9% | $29.8M-52.8% | $63.0M-42.3% | $109.2M+4550.0% | $2.3M |
| EPS (Diluted) | — | $4.05+55.2% | $2.61+135.1% | $1.11-81.3% | $5.94-50.1% | $11.90+91.3% | $6.22+87.9% | $3.31+64.7% | $2.01-2.4% | $2.06+11.4% | $1.85+811.5% | -$0.26-121.0% | $1.24-52.3% | $2.60-43.6% | $4.61+3741.7% | $0.12 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
STC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+19.1% | $2.7B+1.0% | $2.7B-1.3% | $2.7B-2.7% | $2.8B+42.2% | $2.0B+24.2% | $1.6B+16.0% | $1.4B-2.3% | $1.4B+4.8% | $1.3B+1.5% | $1.3B-5.1% | $1.4B+5.0% | $1.3B+2.7% | $1.3B+11.7% | $1.2B |
| Cash & Equivalents | $321.8M+48.8% | $216.3M-7.3% | $233.4M-6.0% | $248.4M-48.9% | $485.9M+12.3% | $432.7M+30.9% | $330.6M+72.1% | $192.1M+28.0% | $150.1M-19.2% | $185.8M+3.7% | $179.1M-10.7% | $200.6M+3.2% | $194.3M-6.8% | $208.5M+48.1% | $140.8M |
| Goodwill | $1.3B+17.3% | $1.1B+1.1% | $1.1B-0.1% | $1.1B+16.0% | $924.8M+114.3% | $431.5M+73.4% | $248.9M0.0% | $248.9M+7.5% | $231.4M+6.6% | $217.1M-0.3% | $217.7M-13.6% | $251.9M+8.6% | $231.8M+4.9% | $221.0M+3.0% | $214.5M |
| Total Liabilities | $1.6B+21.5% | $1.3B-0.4% | $1.3B-3.2% | $1.4B-9.9% | $1.5B+57.2% | $966.2M+15.2% | $839.0M+21.1% | $693.1M-4.7% | $727.1M+4.9% | $692.9M+1.2% | $684.5M-1.1% | $692.0M+4.4% | $663.0M-6.7% | $710.8M+2.6% | $692.7M |
| Long-Term Debt | N/A | $445.8M+0.1% | $445.3M-0.4% | $447.0M-7.5% | $483.5M+375.1% | $101.8M-8.0% | $110.6M+2.4% | $108.0M-1.2% | $109.3M | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.6B+17.0% | $1.4B+2.2% | $1.4B+0.7% | $1.4B+6.3% | $1.3B+27.5% | $1.0B+34.5% | $747.3M+11.0% | $673.5M+0.2% | $672.2M+4.8% | $641.2M+1.9% | $629.3M-9.2% | $693.2M+5.8% | $655.3M+15.2% | $568.8M+26.3% | $450.2M |
| Retained Earnings | $1.1B+5.1% | $1.1B+1.7% | $1.1B-1.9% | $1.1B+12.0% | $974.8M+41.5% | $688.8M+22.0% | $564.4M+9.8% | $514.2M+4.6% | $491.7M+4.2% | $471.8M+3.6% | $455.5M-5.0% | $479.7M+6.1% | $452.3M+15.5% | $391.4M+37.8% | $284.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $238.2M | $205.7M+51.7% | $135.6M+63.3% | $83.0M-56.7% | $191.9M-50.8% | $390.3M+41.5% | $275.8M+65.8% | $166.4M+97.6% | $84.2M-22.1% | $108.1M-12.1% | $123.0M+52.7% | $80.5M+25.8% | $64.0M-26.6% | $87.2M-27.7% | $120.5M+414.9% | $23.4M |
| Capital Expenditures | $88.2M | $73.4M+81.4% | $40.5M+7.1% | $37.8M-21.2% | $47.9M+20.5% | $39.8M+165.5% | $15.0M-12.2% | $17.1M+60.0% | $10.7M-34.9% | $16.4M-9.7% | $18.2M-7.6% | $19.7M+0.6% | $19.5M+13.0% | $17.3M+3.2% | $16.8M-5.4% | $17.7M |
| Free Cash Flow | $150.0M | $132.3M+39.0% | $95.1M+110.3% | $45.3M-68.6% | $143.9M-58.9% | $350.5M+34.4% | $260.8M+74.7% | $149.3M+103.1% | $73.5M-19.8% | $91.7M-12.5% | $104.8M+72.2% | $60.9M+36.9% | $44.5M-36.4% | $69.9M-32.6% | $103.8M+1718.9% | $5.7M |
| Investing Cash Flow | -$412.6M | -$368.6M-322.4% | -$87.3M-191.2% | -$30.0M+90.0% | -$300.7M+53.4% | -$645.3M-178.9% | -$231.4M-3386.5% | $7.0M-24.9% | $9.4M+109.1% | -$103.0M-81.5% | -$56.8M+17.5% | -$68.8M+12.4% | -$78.6M-0.2% | -$78.4M-114.5% | -$36.5M-25.0% | -$29.2M |
| Financing Cash Flow | $258.2M | $265.2M+535.1% | -$61.0M+11.8% | -$69.1M+43.9% | -$123.2M-139.7% | $310.4M+471.6% | $54.3M+243.8% | -$37.8M+20.9% | -$47.8M-9.5% | -$43.6M+26.5% | -$59.3M-132.3% | -$25.6M-198.2% | $26.0M+243.0% | -$18.2M-0.4% | -$18.1M-157.6% | -$7.0M |
| Dividends Paid | $63.3M | $58.5M+8.5% | $53.9M+6.7% | $50.5M+13.1% | $44.7M+21.9% | $36.6M+21.2% | $30.2M+6.6% | $28.3M+0.3% | $28.3M+0.5% | $28.1M+1.1% | $27.8M+54.6% | $18.0M+671.6% | $2.3M+8.1% | $2.2M+17.8% | $1.8M+99.8% | $917K |
| Share Buybacks | $5.7M | $3.9M+1.1% | $3.8M+115.6% | $1.8M-45.3% | $3.3M+44.8% | $2.3M+113.7% | $1.1M+98.1% | $532K-54.7% | $1.2M+61.6% | $727K-31.0% | $1.1M-96.2% | $27.9M+26.8% | $22.0M | $0 | $0 | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
STC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 4.0%+1.0pp | 2.9%+1.6pp | 1.4%-3.9pp | 5.3%-4.5pp | 9.8%+3.0pp | 6.8%+2.7pp | 4.0%+1.6pp | 2.5%0.0pp | 2.5%-0.3pp | 2.8%+3.1pp | -0.3%-1.9pp | 1.6%-1.7pp | 3.3%-2.5pp | 5.7%+5.6pp | 0.1% |
| 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%+4.9pp | 10.5%+3.5pp | 7.1%-0.2pp | 7.2%-1.4pp | 8.6%+9.6pp | -1.0%-5.3pp | 4.3%-5.3pp | 9.6%-9.6pp | 19.2%+18.7pp | 0.5% |
| 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%+2.9pp | 4.9%+1.5pp | 3.5%0.0pp | 3.5%-0.7pp | 4.1%+4.6pp | -0.5%-2.6pp | 2.1%-2.6pp | 4.8%-3.7pp | 8.5%+8.3pp | 0.2% |
| Debt-to-Equity | 0.98+0.7x | 0.320.0x | 0.320.0x | 0.330.0x | 0.38+0.3x | 0.100.0x | 0.150.0x | 0.160.0x | 0.16-0.9x | 1.080.0x | 1.09+0.1x | 1.000.0x | 1.01-0.2x | 1.25-0.3x | 1.54 |
| FCF Margin | 4.5%+0.7pp | 3.8%+1.8pp | 2.0%-2.7pp | 4.7%-5.9pp | 10.6%-0.8pp | 11.4%+3.7pp | 7.7%+3.9pp | 3.9%-0.8pp | 4.7%-0.5pp | 5.2%+2.2pp | 3.0%+0.6pp | 2.4%-1.2pp | 3.6%-1.8pp | 5.4%+5.1pp | 0.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Stewart Info Ranks
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.
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 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 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.