Stewart Information Services (STC) Financials

$60.66 -0.16 (-0.26%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$60.55 -0.11 (-0.19%)

As of 05/23/2025 04:05 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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Income / (Loss) Attributable to Common Shareholders	73	30	162	323	155	79	48	49	55	-6.20	30
Consolidated Net Income / (Loss)	88	46	182	340	170	90	59	60	68	4.04	38
Net Income / (Loss) Continuing Operations	88	46	182	340	170	90	59	60	68	4.04	38
Total Pre-Tax Income	114	61	233	434	219	117	73	75	88	9.69	52
Total Revenue	1,606	1,424	1,843	2,000	1,341	1,136	1,077	1,952	1,178	1,222	1,129
Net Interest Income / (Expense)	-20	-20	-18	-5.03	-2.62	-4.34	-3.88	-3.46	-3.06	-2.10	-3.24
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	20	20	18	5.03	2.62	4.34	3.88	3.46	3.06	2.10	3.24
Long-Term Debt Interest Expense	20	20	18	5.03	2.62	4.34	3.88	3.46	3.06	2.10	3.24
Total Non-Interest Income	2,422	2,212	3,048	2,005	1,344	1,141	1,081	1,956	1,181	1,224	1,132
Trust Fees by Commissions	-865	-814	-1,208	-1,300	-944	-799	-827	-	-826	-810	-739
Other Service Charges	359	264	336	-	-	-	-	1,935	-	-	-
Net Realized & Unrealized Capital Gains on Investments	68	45	21	41	17	63	20	21	18	15	24
Other Non-Interest Income	2,064	1,949	2,713	3,265	2,272	1,877	1,888	-	1,988	1,888	1,714
Total Non-Interest Expense	1,491	1,363	1,610	1,566	1,123	1,019	1,004	1,877	1,090	1,212	1,077
Salaries and Employee Benefits	745	713	802	777	613	567	562	1,403	604	658	624
Property & Liability Insurance Claims	80	80	103	126	115	84	72	97	91	106	81
Other Operating Expenses	604	508	648	627	375	345	345	352	364	382	347
Depreciation Expense	62	62	57	36	19	23	25	26	30	30	24
Income Tax Expense	26	15	51	94	49	27	14	15	20	5.65	14
Net Income / (Loss) Attributable to Noncontrolling Interest	15	15	19	17	15	12	11	11	13	10	8.56
Basic Earnings per Share	$2.65	$1.12	$6.00	$12.05	$6.25	$3.33	$2.02	$2.08	$1.86	($0.26)	$1.31
Weighted Average Basic Shares Outstanding	27.63M	27.29M	27.06M	26.82M	24.79M	23.61M	23.54M	23.45M	23.36M	23.54M	22.78M
Diluted Earnings per Share	$2.61	$1.11	$5.94	$11.90	$6.22	$3.31	$2.01	$2.06	$1.85	($0.26)	$1.24
Weighted Average Diluted Shares Outstanding	28.13M	27.52M	27.35M	27.17M	24.91M	23.75M	23.69M	23.60M	23.47M	23.54M	24.71M
Weighted Average Basic & Diluted Shares Outstanding	27.81M	27.46M	27.19M	26.98M	26.75M	23.68M	23.50M	23.40M	23.43M	23.90M	22.70M
Cash Dividends to Common per Share	$1.95	$1.85	$1.65	$1.37	$1.20	$1.20	$1.20	$1.20	$1.20	$0.80	$0.10

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Stewart Information Services' Financials

When does Stewart Information Services's 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 5/25/2025 by MarketBeat.com Staff

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Stewart Information Services (STC) Financials

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Stewart Information Services (STC) Financials

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