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Stewart Info Financials

STC
FY2025 annual
Revenue $2.9B +17.3% YoY
Net Income $115.5M +57.6% YoY
EPS (Diluted) $4.05 +55.2% YoY
Free Cash Flow $132.3M +39.0% YoY
Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

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).

Rhea AI STC FY2025

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 28.4% of revenue versus 23.5% in FY2021, so much of the sales recovery did not drop through to profit. That helps explain why net margin at 4.0% remains well below the earlier 9.8%: this model depends heavily on fixed-cost absorption when volume improves.

Reported earnings have been weaker than cash generation suggests, with FY2025 operating cash flow of $206M against net income of $116M. Free cash flow of $132M covered dividends paid of $58M, so cash conversion supported shareholder payouts even while larger asset growth leaned on financing.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

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.

Piotroski F-Score Partial
4/6

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.

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.

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

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

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

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.

STC annual income statement
MetricTTMFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
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.

STC annual balance sheet
MetricFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
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 DebtN/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%$109.3MN/AN/AN/AN/AN/AN/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.

STC annual cash flow statement
MetricTTMFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
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$0N/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.

STC annual financial ratios
MetricFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
Net Margin4.0%+1.0pp2.9%+1.6pp1.4%-3.9pp5.3%-4.5pp9.8%+3.0pp6.8%+2.7pp4.0%+1.6pp2.5%0.0pp2.5%-0.3pp2.8%+3.1pp-0.3%-1.9pp1.6%-1.7pp3.3%-2.5pp5.7%+5.6pp0.1%
Return on Equity7.0%+1.8pp5.2%+3.0pp2.2%-9.7pp11.9%-13.3pp25.2%+9.8pp15.4%+4.9pp10.5%+3.5pp7.1%-0.2pp7.2%-1.4pp8.6%+9.6pp-1.0%-5.3pp4.3%-5.3pp9.6%-9.6pp19.2%+18.7pp0.5%
Return on Assets3.5%+0.9pp2.7%+1.6pp1.1%-4.8pp5.9%-5.6pp11.5%+3.7pp7.8%+2.9pp4.9%+1.5pp3.5%0.0pp3.5%-0.7pp4.1%+4.6pp-0.5%-2.6pp2.1%-2.6pp4.8%-3.7pp8.5%+8.3pp0.2%
Debt-to-Equity0.98+0.7x0.320.0x0.320.0x0.330.0x0.38+0.3x0.100.0x0.150.0x0.160.0x0.16-0.9x1.080.0x1.09+0.1x1.000.0x1.01-0.2x1.25-0.3x1.54
FCF Margin4.5%+0.7pp3.8%+1.8pp2.0%-2.7pp4.7%-5.9pp10.6%-0.8pp11.4%+3.7pp7.7%+3.9pp3.9%-0.8pp4.7%-0.5pp5.2%+2.2pp3.0%+0.6pp2.4%-1.2pp3.6%-1.8pp5.4%+5.1pp0.4%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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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%.

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

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

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.

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.

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

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

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

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

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

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.

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.

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.

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.

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