Stewart Information Services (STC) Financials

$67.52 -0.17 (-0.25%)

Closing price 03:59 PM Eastern

Extended Trading

$67.47 -0.05 (-0.08%)

As of 04:10 PM Eastern

Annual Income Statements for Stewart Information Services

This table shows Stewart Information Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	30	-6.20	55	49	48	79	155	323	162	30	73
Consolidated Net Income / (Loss)	38	4.04	68	60	59	90	170	340	182	46	88
Net Income / (Loss) Continuing Operations	38	4.04	68	60	59	90	170	340	182	46	88
Total Pre-Tax Income	52	9.69	88	75	73	117	219	434	233	61	114
Total Revenue	1,129	1,222	1,178	1,952	1,077	1,136	1,341	2,000	1,843	1,424	1,606
Net Interest Income / (Expense)	-3.24	-2.10	-3.06	-3.46	-3.88	-4.34	-2.62	-5.03	-18	-20	-20
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	3.24	2.10	3.06	3.46	3.88	4.34	2.62	5.03	18	20	20
Long-Term Debt Interest Expense	3.24	2.10	3.06	3.46	3.88	4.34	2.62	5.03	18	20	20
Total Non-Interest Income	1,132	1,224	1,181	1,956	1,081	1,141	1,344	2,005	3,048	2,212	2,422
Trust Fees by Commissions	-739	-810	-826	-	-827	-799	-944	-1,300	-1,208	-814	-865
Other Service Charges	-	-	-	1,935	-	-	-	-	336	264	359
Net Realized & Unrealized Capital Gains on Investments	24	15	18	21	20	63	17	41	21	45	68
Other Non-Interest Income	1,714	1,888	1,988	-	1,888	1,877	2,272	3,265	2,713	1,949	2,064
Total Non-Interest Expense	1,077	1,212	1,090	1,877	1,004	1,019	1,123	1,566	1,610	1,363	1,491
Salaries and Employee Benefits	624	658	604	1,403	562	567	613	777	802	713	745
Property & Liability Insurance Claims	81	106	91	97	72	84	115	126	103	80	80
Other Operating Expenses	347	382	364	352	345	345	375	627	648	508	604
Depreciation Expense	24	30	30	26	25	23	19	36	57	62	62
Income Tax Expense	14	5.65	20	15	14	27	49	94	51	15	26
Net Income / (Loss) Attributable to Noncontrolling Interest	8.56	10	13	11	11	12	15	17	19	15	15
Basic Earnings per Share	$1.31	($0.26)	$1.86	$2.08	$2.02	$3.33	$6.25	$12.05	$6.00	$1.12	$2.65
Weighted Average Basic Shares Outstanding	22.78M	23.54M	23.36M	23.45M	23.54M	23.61M	24.79M	26.82M	27.06M	27.29M	27.63M
Diluted Earnings per Share	$1.24	($0.26)	$1.85	$2.06	$2.01	$3.31	$6.22	$11.90	$5.94	$1.11	$2.61
Weighted Average Diluted Shares Outstanding	24.71M	23.54M	23.47M	23.60M	23.69M	23.75M	24.91M	27.17M	27.35M	27.52M	28.13M
Weighted Average Basic & Diluted Shares Outstanding	22.70M	23.90M	23.43M	23.40M	23.50M	23.68M	26.75M	26.98M	27.19M	27.46M	27.81M
Cash Dividends to Common per Share	$0.10	$0.80	$1.20	$1.20	$1.20	$1.20	$1.20	$1.37	$1.65	$1.85	$1.95

This table shows Stewart Information Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	29	13	-8.19	16	14	8.82	3.13	17	30	23	3.08
Consolidated Net Income / (Loss)	35	18	-5.22	20	18	13	6.21	21	34	27	5.42
Net Income / (Loss) Continuing Operations	35	18	-5.22	20	18	13	6.21	21	34	27	5.42
Total Pre-Tax Income	46	21	-10	25	27	19	7.15	29	43	35	5.90
Total Revenue	431	394	314	373	378	360	349	397	429	430	386
Net Interest Income / (Expense)	-4.55	-4.93	-4.85	-4.88	-5.05	-4.96	-5.06	-4.81	-4.90	-5.15	-4.96
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	4.55	4.93	4.85	4.88	5.05	4.96	5.06	4.81	4.90	5.15	4.96
Long-Term Debt Interest Expense	4.55	4.93	4.85	4.88	5.05	4.96	5.06	4.81	4.90	5.15	4.96
Total Non-Interest Income	436	1,587	319	377	383	1,134	354	402	434	1,232	596
Trust Fees by Commissions	-281	-257	-206	-172	-219	-217	-200	-200	-234	-231	-221
Net Realized & Unrealized Capital Gains on Investments	-1.22	20	4.82	11	11	18	20	14	18	16	16
Other Non-Interest Income	718	300	519	538	590	301	534	588	650	291	596
Total Non-Interest Expense	386	373	324	347	351	341	342	368	386	395	380
Salaries and Employee Benefits	195	192	171	183	181	178	172	180	194	199	186
Property & Liability Insurance Claims	25	22	18	20	22	21	17	21	21	21	18
Other Operating Expenses	151	145	121	129	130	127	137	152	156	159	161
Depreciation Expense	14	15	15	16	16	16	15	15	15	16	15
Income Tax Expense	11	2.49	-4.94	5.39	9.13	5.68	0.94	7.94	9.12	8.16	0.48
Net Income / (Loss) Attributable to Noncontrolling Interest	5.29	4.95	2.97	3.97	3.93	4.29	3.08	3.72	3.57	4.47	2.34
Basic Earnings per Share	$1.09	$0.48	($0.30)	$0.58	$0.51	$0.33	$0.11	$0.63	$1.09	$0.82	$0.11
Weighted Average Basic Shares Outstanding	27.11M	27.06M	27.20M	27.26M	27.35M	27.29M	27.51M	27.59M	27.69M	27.63M	27.83M
Diluted Earnings per Share	$1.08	$0.49	($0.30)	$0.58	$0.51	$0.32	$0.11	$0.62	$1.07	$0.81	$0.11
Weighted Average Diluted Shares Outstanding	27.37M	27.35M	27.20M	27.44M	27.65M	27.52M	28.03M	28.01M	28.20M	28.13M	28.34M
Weighted Average Basic & Diluted Shares Outstanding	27.13M	27.19M	27.25M	27.35M	27.36M	27.46M	27.58M	27.68M	27.72M	27.81M	27.92M
Cash Dividends to Common per Share	$0.45	-	$0.45	$0.45	$0.48	-	$0.48	$0.48	$0.50	-	$0.50

This table details how cash moves in and out of Stewart Information Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	6.27	-21	6.71	-36	42	139	102	53	-238	-15	-17
Net Cash From Operating Activities	64	81	123	108	84	166	276	390	192	83	136
Net Cash From Continuing Operating Activities	64	80	123	110	84	166	276	390	192	83	136
Net Income / (Loss) Continuing Operations	38	4.04	68	60	59	90	170	340	182	46	88
Consolidated Net Income / (Loss)	38	4.04	68	60	59	90	170	340	182	46	88
Provision For Loan Losses	1.98	3.40	3.35	0.21	0.52	1.67	0.65	3.02	0.82	2.43	2.21
Depreciation Expense	24	30	30	26	25	23	19	36	57	62	62
Amortization Expense	-	6.54	7.22	-6.81	6.08	4.94	4.26	3.62	2.16	0.49	-0.79
Non-Cash Adjustments to Reconcile Net Income	15	41	3.28	8.82	6.81	9.45	7.77	-13	15	12	1.20
Changes in Operating Assets and Liabilities, net	-16	-4.90	11	19	-13	38	74	20	-65	-39	-17
Net Cash From Investing Activities	-79	-69	-57	-103	9.38	7.04	-231	-645	-301	-30	-87
Net Cash From Continuing Investing Activities	-79	-69	-57	-103	9.38	7.04	-231	-645	-301	-30	-87
Purchase of Investment Securities	-207	-186	-185	-215	-72	-95	-329	-781	-412	-164	-221
Sale and/or Maturity of Investments	123	116	126	111	79	102	97	125	112	134	134
Net Cash From Financing Activities	26	-26	-59	-44	-48	-38	54	310	-123	-69	-61
Net Cash From Continuing Financing Activities	26	-26	-59	-44	-48	-38	54	310	-123	-69	-61
Issuance of Debt	120	53	58	56	15	30	16	1,197	39	3.54	3.39
Repayment of Debt	-61	-22	-62	-56	-20	-28	-26	-810	-76	-5.78	-3.38
Repurchase of Common Equity	-22	-28	-1.05	-0.73	-1.18	-0.53	-1.05	-2.25	-3.26	-1.78	-3.84
Payment of Dividends	-2.33	-18	-28	-40	-40	-40	-44	-53	-65	-67	-67
Other Financing Activities, Net	-9.03	-9.75	-26	-3.11	-1.10	0.03	-0.31	-22	-18	1.58	9.88
Effect of Exchange Rate Changes	-5.19	-7.66	-0.14	2.87	-3.81	2.91	3.34	-2.15	-5.53	1.02	-4.46
Cash Interest Paid	2.62	1.87	3.02	3.47	4.21	4.24	2.60	2.83	17	17	17
Cash Income Taxes Paid	-0.11	15	15	-1.64	13	12	45	106	60	5.35	26

This table details how cash moves in and out of Stewart Information Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-84	-73	-74	15	13	30	-95	-4.95	50	33	-68
Net Cash From Operating Activities	49	25	-51	35	60	39	-30	21	76	68	-30
Net Cash From Continuing Operating Activities	49	25	-51	35	60	39	-30	21	76	68	-30
Net Income / (Loss) Continuing Operations	35	18	-5.22	20	18	13	6.21	21	34	27	5.42
Consolidated Net Income / (Loss)	35	18	-5.22	20	18	13	6.21	21	34	27	5.42
Provision For Loan Losses	0.97	0.01	0.59	0.85	0.98	-	0.82	0.34	0.84	0.22	0.92
Depreciation Expense	14	15	15	16	16	16	15	15	15	16	15
Amortization Expense	0.49	0.29	0.23	0.16	0.06	0.04	-0.01	-0.16	-0.29	-0.33	-0.53
Non-Cash Adjustments to Reconcile Net Income	9.57	-9.74	5.39	5.30	5.12	-4.31	-3.85	4.17	-1.66	2.55	0.88
Changes in Operating Assets and Liabilities, net	-11	0.92	-67	-6.52	19	15	-48	-19	28	23	-52
Net Cash From Investing Activities	-114	-75	-4.81	-2.50	-29	6.78	-47	-8.89	-15	-16	-20
Net Cash From Continuing Investing Activities	-114	-75	-4.81	-2.50	-29	6.78	-47	-8.89	-15	-16	-20
Purchase of Investment Securities	-137	-107	-57	-39	-46	-22	-69	-52	-56	-44	-47
Sale of Property, Leasehold Improvements and Equipment	-0.06	-	0.05	0.06	0.26	-	0.01	0.07	0.03	-	1.54
Sale and/or Maturity of Investments	20	33	52	43	17	22	28	44	42	20	28
Other Investing Activities, net	3.60	-	-0.17	-6.19	-0.60	-	-6.32	-1.00	-1.00	-	-2.50
Net Cash From Financing Activities	-14	-25	-17	-18	-15	-18	-17	-17	-12	-15	-19
Net Cash From Continuing Financing Activities	-14	-25	-17	-18	-15	-18	-17	-17	-12	-15	-19
Issuance of Debt	32	1.49	3.52	0.02	-	-	3.39	-	-	-	1.00
Repayment of Debt	-31	-0.98	-5.59	-0.19	-	-	-3.38	-	-	-	-1.12
Repurchase of Common Equity	-0.62	-0.09	-1.27	-0.08	-0.22	-0.21	-3.39	-0.13	-0.10	-0.23	-3.37
Payment of Dividends	-18	-18	-16	-16	-17	-17	-17	-17	-17	-17	-18
Other Financing Activities, Net	3.04	-7.50	1.99	-2.00	1.83	-0.24	3.40	0.17	4.74	1.58	2.63
Effect of Exchange Rate Changes	-5.20	3.01	-0.30	0.91	-1.66	2.07	-1.28	-0.38	1.65	-4.45	0.79

This table presents Stewart Information Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	1,392	1,322	1,342	1,406	1,373	1,593	1,979	2,813	2,738	2,703	2,730
Cash and Due from Banks	201	179	186	150	192	331	433	486	248	233	216
Trading Account Securities	151	106	156	228	182	168	6.77	684	715	684	674
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-7.31	-7.58	-7.73
Allowance for Loan and Lease Losses	-	-	-	-	-	-	-	-	7.31	7.58	7.73
Premises and Equipment, Net	-63	-67	-71	-85	-81	-55	-44	99	95	95	97
Unearned Premiums Asset	34	27	22	23	24	22	30	-7.71	40	39	37
Goodwill	252	218	217	231	249	249	431	925	1,073	1,072	1,084
Intangible Assets	26	18	11	9.73	9.73	4.62	37	230	199	193	173
Other Assets	792	841	822	849	796	874	1,084	398	376	394	457
Total Liabilities & Shareholders' Equity	1,392	1,322	1,342	1,406	1,373	1,593	1,979	2,813	2,738	2,703	2,730
Total Liabilities	692	684	693	727	693	839	966	1,519	1,368	1,324	1,319
Long-Term Debt	71	102	107	109	108	111	102	483	447	445	446
Claims and Claim Expense	495	463	463	481	462	459	496	550	549	528	512
Other Long-Term Liabilities	13	1.36	7.86	19	14	143	368	198	371	351	362
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	700	637	649	679	680	754	1,012	1,295	1,370	1,379	1,411
Total Preferred & Common Equity	693	629	641	672	674	747	1,005	1,282	1,362	1,371	1,402
Total Common Equity	693	629	641	672	674	747	1,005	1,285	1,362	1,371	1,402
Common Stock	179	157	181	184	187	188	302	310	324	338	359
Retained Earnings	480	456	472	492	514	564	689	975	1,092	1,071	1,089
Treasury Stock	-2.67	-2.67	-2.67	-2.67	-2.67	-2.67	-2.67	-	-2.67	-2.67	-2.67
Accumulated Other Comprehensive Income / (Loss)	13	-3.96	-8.88	-0.85	-25	-2.70	17	0.25	-51	-35	-43
Noncontrolling Interest	7.27	7.85	7.65	6.60	6.31	6.45	7.29	13	8.11	7.14	8.95

This table presents Stewart Information Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	2,705	2,679	2,678	2,669	2,651	2,645	2,730	2,707
Cash and Due from Banks	321	175	190	203	138	133	184	149
Trading Account Securities	674	694	684	665	674	661	689	675
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	94	95	95	95	95	95	98	95
Unearned Premiums Asset	-7.58	-7.44	-7.85	-8.65	-8.00	-8.19	-8.85	-8.41
Goodwill	962	1,094	1,075	1,072	1,072	1,081	1,081	1,093
Intangible Assets	174	191	205	202	185	177	175	165
Other Assets	488	438	437	441	495	506	512	539
Total Liabilities & Shareholders' Equity	2,705	2,679	2,678	2,669	2,651	2,645	2,730	2,707
Total Liabilities	1,348	1,319	1,312	1,310	1,287	1,274	1,315	1,299
Other Short-Term Payables	184	163	168	177	166	165	197	199
Long-Term Debt	446	445	445	445	445	446	446	446
Claims and Claim Expense	547	533	524	521	519	512	518	511
Other Long-Term Liabilities	170	178	175	166	156	151	155	144
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,358	1,360	1,366	1,359	1,364	1,371	1,414	1,408
Total Preferred & Common Equity	1,345	1,352	1,358	1,352	1,358	1,365	1,407	1,400
Total Common Equity	1,348	1,355	1,361	1,355	1,360	1,367	1,410	1,403
Common Stock	321	328	332	338	341	345	353	362
Retained Earnings	1,091	1,071	1,074	1,075	1,061	1,065	1,081	1,078
Accumulated Other Comprehensive Income / (Loss)	-65	-44	-45	-59	-42	-43	-24	-37
Noncontrolling Interest	13	7.31	7.50	7.34	6.50	6.55	7.25	7.44

This table displays calculated financial ratios and metrics derived from Stewart Information Services' official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.86%	8.26%	-3.65%	65.79%	-44.85%	5.54%	18.03%	49.13%	-7.89%	-22.71%	12.75%
EBITDA Growth	-36.09%	-38.74%	168.97%	-24.86%	9.99%	39.49%	67.54%	95.87%	-38.40%	-57.60%	41.47%
EBIT Growth	-48.73%	-81.20%	803.57%	-14.72%	-3.38%	61.27%	86.81%	98.61%	-46.39%	-73.84%	87.82%
NOPAT Growth	-47.22%	-89.45%	1,592.33%	-12.09%	-1.87%	52.95%	87.96%	100.38%	-46.53%	-74.92%	93.33%
Net Income Growth	-47.22%	-89.45%	1,592.33%	-12.09%	-1.87%	52.95%	87.96%	100.38%	-46.53%	-74.92%	93.33%
EPS Growth	-52.31%	-120.97%	811.54%	11.35%	-2.43%	64.68%	87.92%	91.32%	-50.08%	-81.31%	135.14%
Operating Cash Flow Growth	-26.61%	25.82%	52.72%	-12.11%	-22.11%	97.63%	65.79%	41.51%	-50.84%	-56.72%	63.30%
Free Cash Flow Firm Growth	-1.89%	196.94%	44.66%	-47.07%	114.13%	-76.79%	-682.49%	-304.49%	144.05%	-72.66%	41.08%
Invested Capital Growth	10.86%	-4.16%	2.18%	4.30%	-0.03%	9.71%	28.90%	59.60%	2.20%	0.36%	1.81%
Revenue Q/Q Growth	5.55%	-1.78%	0.25%	73.07%	-44.30%	-26.52%	77.57%	8.26%	-9.78%	-2.33%	4.55%
EBITDA Q/Q Growth	4.87%	-11.78%	26.33%	-22.87%	28.94%	-78.04%	130.54%	-46.95%	-24.11%	-1.36%	10.17%
EBIT Q/Q Growth	1.12%	-56.95%	29.14%	-15.09%	16.02%	-81.40%	126.80%	-49.63%	-28.63%	-3.14%	16.98%
NOPAT Q/Q Growth	-13.11%	-68.86%	28.08%	-3.40%	-5.16%	-11.56%	56.52%	8.38%	-28.47%	-10.16%	19.05%
Net Income Q/Q Growth	-13.11%	-68.86%	28.08%	-3.40%	-5.16%	-11.56%	56.52%	8.38%	-28.47%	-10.16%	19.05%
EPS Q/Q Growth	-13.29%	-262.50%	48.00%	-3.74%	-7.37%	-12.43%	60.31%	7.01%	-30.77%	-13.28%	23.11%
Operating Cash Flow Q/Q Growth	102.00%	-29.53%	55.84%	0.98%	-18.87%	12.61%	37.95%	-0.50%	-36.05%	21.41%	26.60%
Free Cash Flow Firm Q/Q Growth	-41.45%	-19.60%	628.95%	-32.22%	-34.14%	-31.19%	-2.10%	-156.87%	347.19%	-22.36%	199.82%
Invested Capital Q/Q Growth	1.78%	1.84%	-4.29%	-2.81%	0.60%	-0.10%	5.90%	19.19%	0.74%	1.08%	-0.17%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	6.74%	3.81%	10.64%	4.82%	9.62%	12.71%	18.04%	23.70%	15.85%	8.69%	10.91%
EBIT Margin	4.59%	0.80%	7.48%	3.85%	6.74%	10.29%	16.29%	21.70%	12.63%	4.27%	7.12%
Profit (Net Income) Margin	3.39%	0.33%	5.81%	3.08%	5.48%	7.94%	12.65%	17.00%	9.87%	3.20%	5.49%
Tax Burden Percent	73.94%	41.71%	77.73%	80.12%	81.38%	77.18%	77.65%	78.34%	78.14%	74.92%	77.12%
Interest Burden Percent	100.00%	99.50%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	26.06%	58.29%	22.27%	19.88%	18.62%	22.82%	22.35%	21.66%	21.86%	25.08%	22.88%
Return on Invested Capital (ROIC)	5.22%	0.54%	9.15%	7.79%	7.49%	10.93%	17.15%	23.51%	10.11%	2.50%	4.79%
ROIC Less NNEP Spread (ROIC-NNEP)	5.22%	0.54%	9.15%	7.79%	7.49%	10.93%	17.15%	23.51%	10.11%	2.50%	4.79%
Return on Net Nonoperating Assets (RNNOA)	0.40%	0.07%	1.49%	1.27%	1.20%	1.67%	2.06%	5.96%	3.53%	0.81%	1.53%
Return on Equity (ROE)	5.62%	0.60%	10.64%	9.06%	8.69%	12.59%	19.21%	29.47%	13.64%	3.32%	6.32%
Cash Return on Invested Capital (CROIC)	-5.08%	4.78%	6.99%	3.59%	7.52%	1.66%	-8.10%	-22.41%	7.94%	2.14%	2.99%
Operating Return on Assets (OROA)	3.81%	0.72%	6.61%	5.46%	5.22%	7.89%	12.24%	18.11%	8.38%	2.24%	4.21%
Return on Assets (ROA)	2.82%	0.30%	5.14%	4.38%	4.25%	6.09%	9.50%	14.19%	6.55%	1.68%	3.25%
Return on Common Equity (ROCE)	5.56%	0.60%	10.51%	8.96%	8.61%	12.48%	19.06%	29.25%	13.55%	3.30%	6.28%
Return on Equity Simple (ROE_SIMPLE)	5.53%	0.64%	10.67%	8.95%	8.76%	12.08%	16.88%	26.52%	13.35%	3.32%	6.29%
Net Operating Profit after Tax (NOPAT)	38	4.04	68	60	59	90	170	340	182	46	88
NOPAT Margin	3.39%	0.33%	5.81%	3.08%	5.48%	7.94%	12.65%	17.00%	9.87%	3.20%	5.49%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	55.30%	53.86%	51.32%	71.88%	52.24%	49.91%	45.72%	38.84%	43.53%	50.05%	46.42%
Operating Expenses to Revenue	95.41%	99.20%	92.52%	96.15%	93.26%	89.71%	83.71%	78.31%	87.37%	95.73%	92.88%
Earnings before Interest and Taxes (EBIT)	52	9.74	88	75	73	117	219	434	233	61	114
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	76	47	125	94	104	144	242	474	292	124	175
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.97	1.06	1.33	1.22	1.23	1.12	1.15	1.53	0.79	1.14	1.33
Price to Tangible Book Value (P/TBV)	1.62	1.70	2.07	1.90	1.99	1.69	2.15	15.07	11.99	14.72	12.91
Price to Revenue (P/Rev)	0.60	0.55	0.73	0.42	0.77	0.74	0.86	0.98	0.59	1.10	1.17
Price to Earnings (P/E)	22.62	0.00	15.39	16.86	17.36	10.64	7.46	6.06	6.66	51.31	25.52
Dividend Yield	0.36%	2.79%	3.28%	3.48%	3.45%	3.40%	2.77%	1.87%	4.14%	3.24%	2.89%
Earnings Yield	4.42%	0.00%	6.50%	5.93%	5.76%	9.40%	13.41%	16.49%	15.02%	1.95%	3.92%
Enterprise Value to Invested Capital (EV/IC)	0.71	0.81	1.04	1.00	0.95	0.72	0.75	1.11	0.71	0.98	1.14
Enterprise Value to Revenue (EV/Rev)	0.49	0.49	0.66	0.40	0.69	0.55	0.62	0.99	0.70	1.25	1.31
Enterprise Value to EBITDA (EV/EBITDA)	7.24	12.88	6.25	8.35	7.22	4.31	3.44	4.16	4.41	14.39	12.04
Enterprise Value to EBIT (EV/EBIT)	10.63	61.56	8.89	10.48	10.31	5.33	3.81	4.54	5.53	29.26	18.45
Enterprise Value to NOPAT (EV/NOPAT)	14.38	148.34	11.44	13.08	12.66	6.90	4.90	5.80	7.08	39.06	23.93
Enterprise Value to Operating Cash Flow (EV/OCF)	8.61	7.45	6.36	7.28	8.88	3.75	3.02	5.05	6.71	21.45	15.56
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	16.59	14.97	28.41	12.61	45.30	0.00	0.00	9.02	45.63	38.31
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.10	0.16	0.16	0.16	0.16	0.15	0.10	0.37	0.33	0.32	0.32
Long-Term Debt to Equity	0.10	0.16	0.16	0.16	0.16	0.15	0.10	0.37	0.33	0.32	0.32
Financial Leverage	0.08	0.13	0.16	0.16	0.16	0.15	0.12	0.25	0.35	0.32	0.32
Leverage Ratio	1.99	2.03	2.07	2.07	2.05	2.07	2.02	2.08	2.08	1.98	1.95
Compound Leverage Factor	1.99	2.02	2.07	2.07	2.05	2.07	2.02	2.08	2.08	1.98	1.95
Debt to Total Capital	9.22%	13.85%	14.13%	13.87%	13.71%	12.80%	9.13%	27.19%	24.60%	24.42%	24.01%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	9.22%	13.85%	14.13%	13.87%	13.71%	12.80%	9.13%	27.19%	24.60%	24.42%	24.01%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.94%	1.06%	1.01%	0.84%	0.80%	0.75%	0.65%	0.72%	0.45%	0.39%	0.48%
Common Equity to Total Capital	89.83%	85.09%	84.85%	85.29%	85.49%	86.45%	90.21%	72.24%	74.96%	75.19%	75.51%
Debt to EBITDA	0.94	2.20	0.85	1.16	1.04	0.77	0.42	1.02	1.53	3.60	2.55
Net Debt to EBITDA	-1.70	-1.65	-0.63	-0.43	-0.81	-1.52	-1.37	-0.01	0.68	1.71	1.31
Long-Term Debt to EBITDA	0.94	2.20	0.85	1.16	1.04	0.77	0.42	1.02	1.53	3.60	2.55
Debt to NOPAT	1.86	25.33	1.56	1.82	1.83	1.23	0.60	1.42	2.46	9.77	5.06
Net Debt to NOPAT	-3.38	-18.96	-1.15	-0.68	-1.42	-2.44	-1.95	-0.01	1.09	4.65	2.60
Long-Term Debt to NOPAT	1.86	25.33	1.56	1.82	1.83	1.23	0.60	1.42	2.46	9.77	5.06
Noncontrolling Interest Sharing Ratio	1.10%	1.13%	1.20%	1.07%	0.95%	0.89%	0.78%	0.75%	0.68%	0.55%	0.58%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-37	36	52	28	59	14	-80	-324	143	39	55
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-11.52	17.25	17.08	8.00	15.30	3.17	-30.53	-64.41	7.76	1.98	2.77
Operating Cash Flow to Interest Expense	19.77	38.41	40.16	31.25	21.72	38.32	105.11	77.58	10.43	4.21	6.81
Operating Cash Flow Less CapEx to Interest Expense	19.77	38.41	40.16	31.25	21.72	38.32	105.20	79.70	10.43	4.21	6.81
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.83	0.90	0.88	1.42	0.78	0.77	0.75	0.83	0.66	0.52	0.59
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	19.06	15.01	16.69
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	772	740	756	788	788	864	1,114	1,778	1,817	1,824	1,857
Invested Capital Turnover	1.54	1.62	1.58	2.53	1.37	1.38	1.36	1.38	1.02	0.78	0.87
Increase / (Decrease) in Invested Capital	76	-32	16	32	-0.25	77	250	664	39	6.57	33
Enterprise Value (EV)	551	600	783	786	748	623	832	1,970	1,287	1,781	2,109
Market Capitalization	673	669	854	821	825	837	1,156	1,960	1,080	1,562	1,871
Book Value per Share	$28.76	$27.02	$27.44	$28.29	$28.37	$31.52	$37.62	$47.77	$50.21	$50.12	$50.58
Tangible Book Value per Share	$17.22	$16.90	$17.68	$18.14	$17.48	$20.83	$20.07	$4.84	$3.32	$3.88	$5.23
Total Capital	772	740	756	788	788	864	1,114	1,778	1,817	1,824	1,857
Total Debt	71	102	107	109	108	111	102	483	447	445	446
Total Long-Term Debt	71	102	107	109	108	111	102	483	447	445	446
Net Debt	-129	-77	-79	-41	-84	-220	-331	-2.43	199	212	230
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	-0.23	-11	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	71	102	107	109	108	111	102	483	447	445	446
Total Depreciation and Amortization (D&A)	24	37	37	19	31	27	23	40	59	63	61
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.31	($0.26)	$1.86	$2.08	$2.02	$3.33	$6.25	$12.05	$6.00	$1.12	$2.65
Adjusted Weighted Average Basic Shares Outstanding	22.78M	23.54M	23.36M	23.45M	23.54M	23.61M	24.79M	26.82M	27.06M	27.29M	27.63M
Adjusted Diluted Earnings per Share	$1.24	($0.26)	$1.85	$2.06	$2.01	$3.31	$6.22	$11.90	$5.94	$1.11	$2.61
Adjusted Weighted Average Diluted Shares Outstanding	24.71M	23.54M	23.47M	23.60M	23.69M	23.75M	24.91M	27.17M	27.35M	27.52M	28.13M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$3.33	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	23.98M	23.34M	23.43M	23.72M	23.73M	23.68M	26.75M	26.98M	27.19M	27.46M	27.81M
Normalized Net Operating Profit after Tax (NOPAT)	38	32	68	60	59	90	170	340	182	46	88
Normalized NOPAT Margin	3.39%	2.60%	5.81%	3.08%	5.48%	7.94%	12.65%	17.00%	9.87%	3.20%	5.49%
Pre Tax Income Margin	4.59%	0.79%	7.48%	3.85%	6.74%	10.29%	16.29%	21.70%	12.63%	4.27%	7.12%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	16.01	4.65	28.75	21.71	18.72	26.94	83.27	86.26	12.64	3.08	5.74
NOPAT to Interest Expense	11.84	1.93	22.35	17.39	15.23	20.80	64.66	67.58	9.88	2.31	4.43
EBIT Less CapEx to Interest Expense	16.01	4.65	28.75	21.71	18.72	26.94	83.36	88.38	12.64	3.08	5.74
NOPAT Less CapEx to Interest Expense	11.84	1.93	22.35	17.39	15.23	20.80	64.75	69.70	9.88	2.31	4.43
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	6.09%	445.46%	40.69%	66.15%	67.59%	44.15%	26.03%	15.60%	35.93%	146.19%	76.01%
Augmented Payout Ratio	63.65%	1,136.78%	42.23%	67.36%	69.58%	44.73%	26.65%	16.26%	37.72%	150.10%	80.37%

This table displays calculated financial ratios and metrics derived from Stewart Information Services' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-14.78%	-33.64%	-39.36%	-25.46%	-12.44%	-8.63%	11.34%	6.65%	13.61%	19.40%	10.41%
EBITDA Growth	-52.51%	-71.98%	-94.70%	-59.85%	-27.51%	-4.71%	352.23%	7.80%	33.17%	46.98%	-8.11%
EBIT Growth	-60.92%	-81.81%	-112.76%	-70.99%	-40.53%	-9.50%	170.36%	15.22%	58.11%	88.34%	-17.44%
NOPAT Growth	-62.82%	-79.85%	-111.48%	-70.42%	-48.37%	-28.25%	187.35%	6.49%	87.78%	107.66%	-12.79%
Net Income Growth	-62.82%	-79.85%	-108.43%	-70.42%	-48.37%	-28.25%	219.01%	6.49%	87.78%	107.66%	-12.79%
EPS Growth	-66.87%	-84.35%	-114.22%	-74.34%	-52.78%	-34.69%	136.67%	6.90%	109.80%	153.13%	0.00%
Operating Cash Flow Growth	-54.29%	-81.33%	-246.41%	-57.86%	21.86%	59.00%	42.05%	-39.83%	27.86%	72.19%	-1.15%
Free Cash Flow Firm Growth	20.00%	96.38%	92.30%	102.85%	106.29%	131.45%	103.53%	13.02%	-226.18%	-189.95%	-2,765.59%
Invested Capital Growth	20.91%	2.20%	1.93%	0.35%	0.03%	0.36%	0.26%	0.32%	3.09%	1.81%	2.44%
Revenue Q/Q Growth	-13.69%	-8.60%	-20.42%	18.74%	1.39%	-4.63%	-3.03%	13.75%	8.00%	0.23%	-10.33%
EBITDA Q/Q Growth	-40.97%	-39.87%	-86.21%	720.46%	6.56%	-20.95%	-34.56%	95.57%	31.64%	-12.75%	-59.09%
EBIT Q/Q Growth	-47.56%	-54.40%	-148.94%	347.87%	7.51%	-30.61%	-61.95%	305.89%	47.53%	-17.35%	-83.32%
NOPAT Q/Q Growth	-48.08%	-47.41%	-138.93%	378.26%	-9.36%	-26.92%	-52.61%	239.21%	59.83%	-19.18%	-80.10%
Net Income Q/Q Growth	-48.08%	-47.41%	-128.57%	479.11%	-9.36%	-26.92%	-52.61%	239.21%	59.83%	-19.18%	-80.10%
EPS Q/Q Growth	-52.21%	-54.63%	-161.22%	293.33%	-12.07%	-37.25%	-65.63%	463.64%	72.58%	-24.30%	-86.42%
Operating Cash Flow Q/Q Growth	-41.36%	-49.19%	-305.73%	168.75%	69.58%	-33.71%	-174.97%	171.39%	260.37%	-10.73%	-144.04%
Free Cash Flow Firm Q/Q Growth	41.54%	92.50%	-98.27%	132.74%	29.34%	-62.54%	-77.77%	949.21%	-244.39%	73.29%	-558.80%
Invested Capital Q/Q Growth	-0.05%	0.74%	-0.69%	0.34%	-0.37%	1.08%	-0.78%	0.40%	2.38%	-0.17%	-0.17%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	13.93%	9.16%	1.59%	10.97%	11.53%	9.56%	6.45%	11.09%	13.51%	11.76%	5.37%
EBIT Margin	10.55%	5.26%	-3.24%	6.76%	7.17%	5.21%	2.05%	7.30%	9.97%	8.22%	1.53%
Profit (Net Income) Margin	8.05%	4.63%	-1.66%	5.31%	4.75%	3.64%	1.78%	5.30%	7.85%	6.33%	1.40%
Tax Burden Percent	76.31%	88.01%	51.38%	78.58%	66.25%	69.78%	86.90%	72.63%	78.68%	76.94%	91.80%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.69%	11.99%	0.00%	21.42%	33.75%	30.22%	13.10%	27.37%	21.32%	23.06%	8.20%
Return on Invested Capital (ROIC)	9.98%	4.75%	-2.08%	4.44%	3.84%	2.85%	1.44%	4.34%	6.58%	5.52%	1.26%
ROIC Less NNEP Spread (ROIC-NNEP)	9.98%	4.75%	-1.65%	4.44%	3.84%	2.85%	1.44%	4.34%	6.58%	5.52%	1.26%
Return on Net Nonoperating Assets (RNNOA)	2.80%	1.66%	-0.55%	1.45%	1.26%	0.92%	0.47%	1.41%	2.11%	1.76%	0.40%
Return on Equity (ROE)	12.78%	6.41%	-2.63%	5.89%	5.10%	3.77%	1.91%	5.75%	8.69%	7.28%	1.66%
Cash Return on Invested Capital (CROIC)	-3.50%	7.94%	4.51%	3.39%	2.79%	2.14%	2.89%	2.89%	1.00%	2.99%	2.36%
Operating Return on Assets (OROA)	8.48%	3.49%	-1.95%	3.76%	3.89%	2.73%	1.12%	4.07%	5.67%	4.86%	0.94%
Return on Assets (ROA)	6.47%	3.08%	-1.00%	2.96%	2.58%	1.90%	0.97%	2.96%	4.46%	3.74%	0.86%
Return on Common Equity (ROCE)	12.68%	6.36%	-2.61%	5.85%	5.07%	3.75%	1.90%	5.73%	8.66%	7.24%	1.66%
Return on Equity Simple (ROE_SIMPLE)	18.90%	0.00%	8.48%	4.97%	3.75%	0.00%	4.20%	4.27%	5.26%	0.00%	6.24%
Net Operating Profit after Tax (NOPAT)	35	18	-7.11	20	18	13	6.21	21	34	27	5.42
NOPAT Margin	8.05%	4.63%	-2.27%	5.31%	4.75%	3.64%	1.78%	5.30%	7.85%	6.33%	1.40%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	-0.42%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	45.22%	48.63%	54.36%	49.04%	48.06%	49.44%	49.36%	45.23%	45.18%	46.37%	48.18%
Operating Expenses to Revenue	89.45%	94.74%	103.24%	93.24%	92.83%	94.79%	97.95%	92.70%	90.03%	91.78%	98.47%
Earnings before Interest and Taxes (EBIT)	46	21	-10	25	27	19	7.15	29	43	35	5.90
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	60	36	4.98	41	44	34	23	44	58	51	21
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.82	0.79	0.77	0.80	0.86	1.14	1.30	1.25	1.47	1.33	1.41
Price to Tangible Book Value (P/TBV)	5.23	11.99	15.01	13.21	14.35	14.72	17.23	15.60	13.44	12.91	13.67
Price to Revenue (P/Rev)	0.54	0.59	0.64	0.72	0.80	1.10	1.21	1.15	1.35	1.17	1.21
Price to Earnings (P/E)	4.72	6.66	10.90	21.49	33.24	51.31	42.46	39.55	34.84	25.52	27.09
Dividend Yield	3.86%	4.14%	4.47%	4.53%	4.30%	3.24%	2.90%	3.06%	2.58%	2.89%	2.77%
Earnings Yield	21.20%	15.02%	9.17%	4.65%	3.01%	1.95%	2.36%	2.53%	2.87%	3.92%	3.69%
Enterprise Value to Invested Capital (EV/IC)	0.69	0.71	0.73	0.74	0.78	0.98	1.15	1.12	1.26	1.14	1.23
Enterprise Value to Revenue (EV/Rev)	0.61	0.70	0.81	0.89	0.97	1.25	1.43	1.37	1.52	1.31	1.39
Enterprise Value to EBITDA (EV/EBITDA)	3.23	4.41	6.54	9.47	11.24	14.39	14.76	14.05	14.71	12.04	13.21
Enterprise Value to EBIT (EV/EBIT)	3.82	5.53	9.28	16.55	22.46	29.26	26.70	24.77	23.92	18.45	20.25
Enterprise Value to NOPAT (EV/NOPAT)	4.89	7.08	11.57	19.91	27.80	39.06	36.59	34.83	31.57	23.93	26.20
Enterprise Value to Operating Cash Flow (EV/OCF)	4.15	6.71	12.52	23.31	20.63	21.45	19.96	22.43	21.83	15.56	16.92
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	9.02	16.46	21.96	28.07	45.63	39.92	38.69	127.30	38.31	52.97
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.33	0.33	0.33	0.33	0.33	0.32	0.33	0.32	0.32	0.32	0.32
Long-Term Debt to Equity	0.33	0.33	0.33	0.33	0.33	0.32	0.33	0.32	0.32	0.32	0.32
Financial Leverage	0.28	0.35	0.33	0.33	0.33	0.32	0.33	0.33	0.32	0.32	0.32
Leverage Ratio	1.97	2.08	2.03	1.99	1.98	1.98	1.96	1.94	1.95	1.95	1.93
Compound Leverage Factor	1.97	2.08	2.03	1.99	1.98	1.98	1.96	1.94	1.95	1.95	1.93
Debt to Total Capital	24.75%	24.60%	24.66%	24.57%	24.67%	24.42%	24.62%	24.52%	23.96%	24.01%	24.05%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	24.75%	24.60%	24.66%	24.57%	24.67%	24.42%	24.62%	24.52%	23.96%	24.01%	24.05%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.70%	0.45%	0.41%	0.41%	0.41%	0.39%	0.36%	0.36%	0.39%	0.48%	0.40%
Common Equity to Total Capital	74.71%	74.96%	75.08%	75.16%	75.07%	75.19%	75.17%	75.26%	75.79%	75.51%	75.69%
Debt to EBITDA	1.16	1.53	2.19	3.13	3.55	3.60	3.15	3.08	2.80	2.55	2.57
Net Debt to EBITDA	0.33	0.68	1.33	1.80	1.93	1.71	2.17	2.16	1.65	1.31	1.72
Long-Term Debt to EBITDA	1.16	1.53	2.19	3.13	3.55	3.60	3.15	3.08	2.80	2.55	2.57
Debt to NOPAT	1.76	2.46	3.88	6.59	8.77	9.77	7.81	7.64	6.02	5.06	5.10
Net Debt to NOPAT	0.49	1.09	2.36	3.77	4.77	4.65	5.38	5.35	3.54	2.60	3.40
Long-Term Debt to NOPAT	1.76	2.46	3.88	6.59	8.77	9.77	7.81	7.64	6.02	5.06	5.10
Noncontrolling Interest Sharing Ratio	0.73%	0.68%	0.63%	0.64%	0.54%	0.55%	0.31%	0.32%	0.33%	0.58%	0.31%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-277	-21	-41	13	17	6.54	1.45	15	-22	-5.88	-39
Operating Cash Flow to CapEx	87,237.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-60.88	-4.21	-8.50	2.77	3.45	1.32	0.29	3.17	-4.49	-1.14	-7.81
Operating Cash Flow to Interest Expense	10.73	5.03	-10.53	7.20	11.78	7.96	-5.85	4.39	15.54	13.21	-6.03
Operating Cash Flow Less CapEx to Interest Expense	10.72	5.03	-10.52	7.21	11.83	7.96	-5.85	4.40	15.54	13.21	-5.72
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.80	0.66	0.60	0.56	0.54	0.52	0.55	0.56	0.57	0.59	0.61
Fixed Asset Turnover	21.77	19.06	16.93	15.94	15.40	15.01	15.35	15.61	15.88	16.69	17.27
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,804	1,817	1,805	1,811	1,804	1,824	1,810	1,817	1,860	1,857	1,854
Invested Capital Turnover	1.24	1.02	0.92	0.84	0.81	0.78	0.81	0.82	0.84	0.87	0.90
Increase / (Decrease) in Invested Capital	312	39	34	6.29	0.48	6.57	4.76	5.82	56	33	44
Enterprise Value (EV)	1,244	1,287	1,326	1,345	1,411	1,781	2,087	2,031	2,338	2,109	2,289
Market Capitalization	1,106	1,080	1,049	1,083	1,162	1,562	1,773	1,712	2,069	1,871	1,984
Book Value per Share	$49.71	$50.21	$49.83	$49.96	$49.53	$50.12	$49.53	$49.58	$50.93	$50.58	$50.45
Tangible Book Value per Share	$7.80	$3.32	$2.57	$3.01	$2.96	$3.88	$3.75	$3.98	$5.56	$5.23	$5.22
Total Capital	1,804	1,817	1,805	1,811	1,804	1,824	1,810	1,817	1,860	1,857	1,854
Total Debt	446	447	445	445	445	445	445	446	446	446	446
Total Long-Term Debt	446	447	445	445	445	445	445	446	446	446	446
Net Debt	125	199	270	255	242	212	307	312	262	230	297
Capital Expenditures (CapEx)	0.06	0.00	-0.05	-0.06	-0.26	0.00	-0.01	-0.07	-0.03	0.00	-1.54
Net Nonoperating Expense (NNE)	0.00	0.00	-1.89	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	446	447	445	445	445	445	445	446	446	446	446
Total Depreciation and Amortization (D&A)	15	15	15	16	16	16	15	15	15	15	15
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.09	$0.48	($0.30)	$0.58	$0.51	$0.33	$0.11	$0.63	$1.09	$0.82	$0.11
Adjusted Weighted Average Basic Shares Outstanding	27.11M	27.06M	27.20M	27.26M	27.35M	27.29M	27.51M	27.59M	27.69M	27.63M	27.83M
Adjusted Diluted Earnings per Share	$1.08	$0.49	($0.30)	$0.58	$0.51	$0.32	$0.11	$0.62	$1.07	$0.81	$0.11
Adjusted Weighted Average Diluted Shares Outstanding	27.37M	27.35M	27.20M	27.44M	27.65M	27.52M	28.03M	28.01M	28.20M	28.13M	28.34M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	27.13M	27.19M	27.25M	27.35M	27.36M	27.46M	27.58M	27.68M	27.72M	27.81M	27.92M
Normalized Net Operating Profit after Tax (NOPAT)	35	18	-7.11	20	18	13	6.21	21	34	27	5.42
Normalized NOPAT Margin	8.05%	4.63%	-2.27%	5.31%	4.75%	3.64%	1.78%	5.30%	7.85%	6.33%	1.40%
Pre Tax Income Margin	10.55%	5.26%	-3.24%	6.76%	7.17%	5.21%	2.05%	7.30%	9.97%	8.22%	1.53%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	10.00	4.21	-2.09	5.16	5.36	3.79	1.41	6.03	8.73	6.87	1.19
NOPAT to Interest Expense	7.63	3.70	-1.47	4.06	3.55	2.64	1.23	4.38	6.87	5.29	1.09
EBIT Less CapEx to Interest Expense	9.98	4.21	-2.08	5.18	5.41	3.79	1.41	6.04	8.74	6.87	1.50
NOPAT Less CapEx to Interest Expense	7.62	3.70	-1.46	4.07	3.60	2.64	1.23	4.39	6.88	5.29	1.40
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	24.45%	35.93%	58.14%	100.14%	132.31%	146.19%	118.21%	116.96%	91.61%	76.01%	77.85%
Augmented Payout Ratio	25.73%	37.72%	59.94%	103.20%	135.60%	150.10%	125.05%	123.73%	96.78%	80.37%	82.22%

Key Financial Trends

Stewart Information Services (NYSE: STC) has shown mixed financial performance and some notable trends over the last four years, based on their quarterly financial data up to Q1 2025. Here's a summary of key points from their income statements, cash flow statements, and balance sheets:

Consistent generation of positive net income in most quarters since 2023, with Q1 2025 showing a modest net income of $5.4 million, a recovery from losses in early 2023.
Stable total assets around $2.6 to $2.7 billion over the quarters, indicating asset base stability.
Total common equity has remained healthy, maintaining around $1.35 to $1.4 billion, supporting strong shareholder equity.
Strong non-interest income contributions, primarily from 'Other Non-Interest Income,’ which exceeds $500 million consistently each quarter, supporting revenue beyond interest-driven activities.
Steady interest expenses related to long-term debt, roughly around $4.5 to $5 million per quarter, showing consistent borrowing costs but no increasing trend.
Capital expenditures on premises and equipment remain steady around $95 million net, indicating sustained investment in fixed assets.

Large fluctuations and general downtrend in total revenue from Q4 2022's approximately $394 million to about $386-430 million in recent quarters, showing variable top-line growth.
Earnings per share (EPS) have shown volatility, with notable negative EPS (-$0.30) in Q1 2023 but recovering in subsequent quarters to positive (e.g., $0.11 in Q1 2025), reflecting inconsistent profitability.
Significant negative cash flows from operating activities in some quarters (e.g., -$29.9 million in Q1 2025, -$29.6 million in Q1 2024, and -$51 million in Q1 2023), suggesting operational challenges in cash generation.
Steady increase in claims and claim expenses, consistently above $17 million per quarter, which could pressure operating margins.

Summary: Stewart Information Services maintains a solid asset base and equity position, supported by strong non-interest income streams. However, the company has faced volatility in net income and operational cash flow, with fluctuating EPS and ongoing claims expenses weighing on profitability. Investors should watch for improvements in cash flow management and revenue consistency in upcoming quarters.

08/08/25 07:32 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Stewart Information Services' Financials

When does Stewart Information Services' fiscal year end?

According to the most recent income statement we have on file, Stewart Information Services' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Stewart Information Services' net income changed over the last 10 years?

Stewart Information Services' net income appears to be on an upward trend, with a most recent value of $88.16 million in 2024, rising from $38.31 million in 2014. The previous period was $45.60 million in 2023. See Stewart Information Services' forecast for analyst expectations on what’s next for the company.

How has Stewart Information Services' revenue changed over the last 10 years?

Over the last 10 years, Stewart Information Services' total revenue changed from $1.13 billion in 2014 to $1.61 billion in 2024, a change of 42.2%.

How much debt does Stewart Information Services have?

Stewart Information Services' total liabilities were at $1.32 billion at the end of 2024, a 0.4% decrease from 2023, and a 90.6% increase since 2014.

How much cash does Stewart Information Services have?

In the past 10 years, Stewart Information Services' cash and equivalents has ranged from $150.08 million in 2017 to $485.92 million in 2021, and is currently $216.30 million as of their latest financial filing in 2024.

How has Stewart Information Services' book value per share changed over the last 10 years?

Over the last 10 years, Stewart Information Services' book value per share changed from 28.76 in 2014 to 50.58 in 2024, a change of 75.9%.

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This page (NYSE:STC) was last updated on 8/8/2025 by MarketBeat.com Staff

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Stewart Information Services (STC) Financials

Key Financial Trends

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Stewart Information Services (STC) Financials

Annual Income Statements for Stewart Information Services

Quarterly Income Statements for Stewart Information Services

Annual Cash Flow Statements for Stewart Information Services

Quarterly Cash Flow Statements for Stewart Information Services

Annual Balance Sheets for Stewart Information Services

Quarterly Balance Sheets for Stewart Information Services

Annual Metrics And Ratios for Stewart Information Services

Quarterly Metrics And Ratios for Stewart Information Services

Key Financial Trends

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