STC
Stewart Information Services Corporation
STC's fundamentals are mixed: revenue grew 21%, while its operating margin held steady at 5.2%. At 10x earnings, it's trading below its usual 12x. Analysts expect earnings growth, though they disagree widely on how much.
STC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
STC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like STC.
STC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $24.64 | -41% |
| Forward | 7.3x | $41.62 | — |
| Current | 10x | $41.62 | — |
| Fair | 12x | $48.46 | +16% |
| Expensive | 32x | $128 | +207% |
Historical ranges are pointers, not guarantees.
STC's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 7.3x next year's earnings, in its cheap range.
STC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for STC, with profitability holding steady. However, they disagree widely on these estimates.
STC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.69 | +42% |
| Q3 2026 | $4.00 | +11% |
| Q2 2026 | $4.57 | +46% |
| Q1 2026 | $4.49 | +72% |
| Q4 2025 | $4.05 | +55% |
| Q3 2025 | $3.60 | +70% |
| Q2 2025 | $3.12 | +100% |
| Q1 2025 | $2.61 | +72% |
| Q4 2024 | $2.61 | +135% |
STC's earnings per share have fallen from their peak: $4.00 over the past year, against $12.00 in early 2022.
STC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $900.7M | +13% |
| Q2 2026 | $899.2M | +25% |
| Q1 2026 | $781.3M | +28% |
| Q4 2025 | $790.6M | +19% |
| Q3 2025 | $796.9M | +19% |
| Q2 2025 | $722.2M | +20% |
| Q1 2025 | $612M | +10% |
| Q4 2024 | $665.9M | +14% |
STC's revenue has grown year over year for 11 quarters in a row: $901M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.1% | -2.6 points |
| Q2 2026 | 6.1% | -0.4 points |
| Q1 2026 | 3% | +2.1 points |
| Q4 2025 | 6.5% | +1.2 points |
| Q3 2025 | 7.7% | +1.3 points |
| Q2 2025 | 6.5% | +1.7 points |
| Q1 2025 | 1% | -0.3 points |
| Q4 2024 | 5.3% | +2.1 points |
STC's operating margin was 5.1% last quarter, down 2.6 points from the same quarter a year ago.
STC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.6M | -65% |
| Q2 2026 | $35M | -9.4% |
| Q1 2026 | -$20.9M | +$21.3M |
| Q4 2025 | $62.3M | +12% |
| Q3 2025 | $73.6M | +9.1% |
| Q2 2025 | $38.7M | +224% |
| Q1 2025 | -$42.2M | -$2.4M |
| Q4 2024 | $55.6M | +78% |
STC's free cash flow was $102M over the past year, down 19% from the year before. Free cash flow isn't a meaningful measure for financial services companies like STC.
STC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +123K shares |
| 1 year | +8.7% | +2.5M shares |
| 3 years | +12% | +3.3M shares |
| 5 years | +14% | +3.7M shares |
| Available history | +30% | +7.2M shares |
STC has 31M diluted shares, up 8.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $107,000 |
| Q2 2026 | $93,000 |
| Q1 2026 | $5.2M |
| Q4 2025 | $322,000 |
| Q3 2025 | $91,000 |
| Q2 2025 | $109,000 |
| Q1 2025 | $3.4M |
| Q4 2024 | $226,000 |
STC spent $6M buying back its own shares over the past year, up 52% from the year before.
STC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 1.3x | Healthy |
STC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like STC.
STC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.8 | Oversold |
| Stochastic | 7.5 | Oversold |
STC's weekly RSI is 26 (oversold) and its Stochastic is 8 (oversold).
STC PE vs Financial Services Sector
| Metric | STC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 41 | 63 | 22 pts below |
STC is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.
STC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.9 | 15% below |
| 20 week MA | $60.4 | 31% below |
| 50 week MA | $64.7 | 36% below |
| 100 week MA | $66.3 | 37% below |
| 200 week MA | $61.0 | 32% below |
STC is in a downtrend: it's below all five of its weekly moving averages, and 32% below its 200-week average.
STC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $41.4 | $49.0 | +18% |
| 2021 | $49.0 | $78.1 | +59% |
| 2022 | $78.1 | $42.3 | -46% |
| 2023 | $42.3 | $58.8 | +39% |
| 2024 | $58.8 | $69.1 | +18% |
| 2025 | $69.1 | $71.1 | +2.9% |
| 2026 YTD | $71.1 | $41.6 | -41% |
STC is down 41% so far in 2026, after finishing higher in five of the previous six years.