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Stewart Information Services (STC) Financials

Stewart Information Services logo
$67.54 -0.52 (-0.76%)
As of 12:52 PM Eastern
This is a fair market value price provided by Massive. Learn more.
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Annual Income Statements for Stewart Information Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -6.20 55 49 48 79 155 323 162 30 73 116
Consolidated Net Income / (Loss)		 4.04 68 60 59 90 170 340 182 46 88 130
Net Income / (Loss) Continuing Operations		 4.04 68 60 59 90 170 340 182 46 88 130
Total Pre-Tax Income 		9.69 88 75 73 117 219 434 233 61 114 166
Total Revenue		 1,222 1,178 1,952 1,077 1,136 1,341 2,000 1,843 1,424 1,606 1,854
Net Interest Income / (Expense)		 -2.10 -3.06 -3.46 -3.88 -4.34 -2.62 -5.03 -18 -20 -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		 2.10 3.06 3.46 3.88 4.34 2.62 5.03 18 20 20 20
Long-Term Debt Interest Expense		 2.10 3.06 3.46 3.88 4.34 2.62 5.03 18 20 20 20
Total Non-Interest Income		 1,224 1,181 1,956 1,081 1,141 1,344 2,005 3,048 2,212 2,422 2,858
Trust Fees by Commissions		 -810 -826 - -827 -799 -944 -1,300 -1,208 -814 -865 -1,048
Net Realized & Unrealized Capital Gains on Investments		 15 18 21 20 63 17 41 21 45 68 63
Other Non-Interest Income		 1,888 1,988 - 1,888 1,877 2,272 3,265 2,713 2,212 2,422 2,858
Total Non-Interest Expense		 1,212 1,090 1,877 1,004 1,019 1,123 1,566 1,610 1,363 1,491 1,688
Salaries and Employee Benefits		 658 604 1,403 562 567 613 777 802 713 745 831
Property & Liability Insurance Claims		 106 91 97 72 84 115 126 103 80 80 82
Other Operating Expenses		 382 364 352 345 345 375 627 648 508 604 715
Depreciation Expense		 30 30 26 25 23 19 36 57 62 62 61
Income Tax Expense		 5.65 20 15 14 27 49 94 51 15 26 35
Net Income / (Loss) Attributable to Noncontrolling Interest		 10 13 11 11 12 15 17 19 15 15 15
Basic Earnings per Share		 ($0.26) $1.86 $2.08 $2.02 $3.33 $6.25 $12.05 $6.00 $1.12 $2.65 $4.12
Weighted Average Basic Shares Outstanding		 23.54M 23.36M 23.45M 23.54M 23.61M 24.79M 26.82M 27.06M 27.29M 27.63M 28.07M
Diluted Earnings per Share		 ($0.26) $1.85 $2.06 $2.01 $3.31 $6.22 $11.90 $5.94 $1.11 $2.61 $4.05
Weighted Average Diluted Shares Outstanding		 23.54M 23.47M 23.60M 23.69M 23.75M 24.91M 27.17M 27.35M 27.52M 28.13M 28.56M
Weighted Average Basic & Diluted Shares Outstanding		 23.90M 23.43M 23.40M 23.50M 23.68M 26.75M 26.98M 27.19M 27.46M 27.81M 30.42M
Cash Dividends to Common per Share		 $0.80 $1.20 $1.20 $1.20 $1.20 $1.20 $1.37 $1.65 $1.85 $1.95 $2.05

Quarterly Income Statements for Stewart Information Services

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 14 8.82 3.13 17 30 23 3.08 32 44 36 17
Consolidated Net Income / (Loss)		 18 13 6.21 21 34 27 5.42 36 48 41 19
Net Income / (Loss) Continuing Operations		 18 13 6.21 21 34 27 5.42 36 48 41 19
Total Pre-Tax Income 		27 19 7.15 29 43 35 5.90 47 61 52 24
Total Revenue		 378 360 349 397 429 430 386 465 492 510 498
Net Interest Income / (Expense)		 -5.05 -4.96 -5.06 -4.81 -4.90 -5.15 -4.96 -4.95 -4.90 -5.63 -7.63
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 5.05 4.96 5.06 4.81 4.90 5.15 4.96 4.95 4.90 5.63 7.63
Long-Term Debt Interest Expense		 5.05 4.96 5.06 4.81 4.90 5.15 4.96 4.95 4.90 5.63 7.63
Total Non-Interest Income		 383 1,134 534 588 650 1,232 596 705 776 780 765
Trust Fees by Commissions		 -219 -217 -200 -200 -234 -231 -221 -252 -300 -275 -276
Net Realized & Unrealized Capital Gains on Investments		 11 18 20 14 18 16 16 17 20 10 17
Other Non-Interest Income		 590 301 534 588 650 291 596 705 776 780 765
Total Non-Interest Expense		 351 341 342 368 386 395 380 418 431 459 474
Salaries and Employee Benefits		 181 178 172 180 194 199 186 208 211 225 221
Property & Liability Insurance Claims		 22 21 17 21 21 21 18 21 20 23 18
Other Operating Expenses		 130 127 137 152 156 159 161 174 185 195 218
Depreciation Expense		 16 16 15 15 15 16 15 15 15 15 17
Income Tax Expense		 9.13 5.68 0.94 7.94 9.12 8.16 0.48 11 13 11 4.56
Net Income / (Loss) Attributable to Noncontrolling Interest		 3.93 4.29 3.08 3.72 3.57 4.47 2.34 3.71 3.94 4.64 2.11
Basic Earnings per Share		 $0.51 $0.33 $0.11 $0.63 $1.09 $0.82 $0.11 $1.14 $1.58 $1.29 $0.56
Weighted Average Basic Shares Outstanding		 27.35M 27.29M 27.51M 27.59M 27.69M 27.63M 27.83M 27.93M 28.00M 28.07M 30.30M
Diluted Earnings per Share		 $0.51 $0.32 $0.11 $0.62 $1.07 $0.81 $0.11 $1.13 $1.55 $1.26 $0.55
Weighted Average Diluted Shares Outstanding		 27.65M 27.52M 28.03M 28.01M 28.20M 28.13M 28.34M 28.33M 28.49M 28.56M 30.81M
Weighted Average Basic & Diluted Shares Outstanding		 27.36M 27.46M 27.58M 27.68M 27.72M 27.81M 27.92M 28.00M 28.02M 30.42M 30.43M
Cash Dividends to Common per Share		 $0.48 - $0.48 $0.48 $0.50 - $0.50 $0.50 $0.53 - $0.53

Annual Cash Flow Statements for Stewart Information Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -21 6.71 -36 42 139 102 53 -238 -15 -17 105
Net Cash From Operating Activities		 81 123 108 84 166 276 390 192 83 136 206
Net Cash From Continuing Operating Activities		 80 123 110 84 166 276 390 192 83 136 206
Net Income / (Loss) Continuing Operations		 4.04 68 60 59 90 170 340 182 46 88 130
Consolidated Net Income / (Loss)		 4.04 68 60 59 90 170 340 182 46 88 130
Provision For Loan Losses		 3.40 3.35 0.21 0.52 1.67 0.65 3.02 0.82 2.43 2.21 2.32
Depreciation Expense		 30 30 26 25 23 19 36 57 62 62 61
Amortization Expense		 6.54 7.22 -6.81 6.08 4.94 4.26 3.62 2.16 0.49 -0.79 -1.51
Non-Cash Adjustments to Reconcile Net Income		 41 3.28 8.82 6.81 9.45 7.77 -13 15 12 1.20 12
Changes in Operating Assets and Liabilities, net		 -4.90 11 19 -13 38 74 20 -65 -39 -17 1.89
Net Cash From Investing Activities		 -69 -57 -103 9.38 7.04 -231 -645 -301 -30 -87 -369
Net Cash From Continuing Investing Activities		 -69 -57 -103 9.38 7.04 -231 -645 -301 -30 -87 -369
Purchase of Investment Securities		 -186 -185 -215 -72 -95 -329 -781 -412 -164 -221 -590
Sale and/or Maturity of Investments		 116 126 111 79 102 97 125 112 134 134 222
Net Cash From Financing Activities		 -26 -59 -44 -48 -38 54 310 -123 -69 -61 265
Net Cash From Continuing Financing Activities		 -26 -59 -44 -48 -38 54 310 -123 -69 -61 265
Issuance of Debt		 53 58 56 15 30 16 1,197 39 3.54 3.39 201
Issuance of Common Equity		 - - - 0.00 0.00 109 - - 0.00 0.00 141
Repayment of Debt		 -22 -62 -56 -20 -28 -26 -810 -76 -5.78 -3.38 -1.22
Repurchase of Common Equity		 -28 -1.05 -0.73 -1.18 -0.53 -1.05 -2.25 -3.26 -1.78 -3.84 -3.89
Payment of Dividends		 -18 -28 -40 -40 -40 -44 -53 -65 -67 -67 -72
Other Financing Activities, Net		 -9.75 -26 -3.11 -1.10 0.03 -0.31 -22 -18 1.58 9.88 0.75
Effect of Exchange Rate Changes		 -7.66 -0.14 2.87 -3.81 2.91 3.34 -2.15 -5.53 1.02 -4.46 3.16
Cash Interest Paid		 1.87 3.02 3.47 4.21 4.24 2.60 2.83 17 17 17 18
Cash Income Taxes Paid		 15 15 -1.64 13 12 45 106 60 5.35 26 24

Quarterly Cash Flow Statements for Stewart Information Services

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 13 30 -95 -4.95 50 33 -68 30 10 133 -51
Net Cash From Operating Activities		 60 39 -30 21 76 68 -30 53 93 90 -4.49
Net Cash From Continuing Operating Activities		 60 39 -30 21 76 68 -30 53 93 90 -4.49
Net Income / (Loss) Continuing Operations		 18 13 6.21 21 34 27 5.42 36 48 41 19
Consolidated Net Income / (Loss)		 18 13 6.21 21 34 27 5.42 36 48 41 19
Provision For Loan Losses		 0.98 - 0.82 0.34 0.84 0.22 0.92 0.64 0.71 0.04 1.85
Depreciation Expense		 16 16 15 15 15 16 15 15 15 15 17
Amortization Expense		 0.06 0.04 -0.01 -0.16 -0.29 -0.33 -0.53 -0.10 -0.43 -0.44 -0.41
Non-Cash Adjustments to Reconcile Net Income		 5.12 -4.31 -3.85 4.17 -1.66 2.55 0.88 4.32 -1.62 8.17 1.76
Changes in Operating Assets and Liabilities, net		 19 15 -48 -19 28 23 -52 -2.21 30 26 -44
Net Cash From Investing Activities		 -29 6.78 -47 -8.89 -15 -16 -20 -9.49 -63 -277 -22
Net Cash From Continuing Investing Activities		 -29 6.78 -47 -8.89 -15 -16 -20 -9.49 -63 -277 -22
Purchase of Investment Securities		 -46 -22 -69 -52 -56 -44 -47 -65 -76 -402 -37
Sale of Property, Leasehold Improvements and Equipment		 0.26 - 0.01 0.07 0.03 - 1.54 1.30 0.91 - 0.05
Sale and/or Maturity of Investments		 17 22 28 44 42 20 28 57 29 107 15
Other Investing Activities, net		 -0.60 - -6.32 -1.00 -1.00 - -2.50 -3.50 -16 - 0.00
Net Cash From Financing Activities		 -15 -18 -17 -17 -12 -15 -19 -17 -19 320 -23
Net Cash From Continuing Financing Activities		 -15 -18 -17 -17 -12 -15 -19 -17 -19 320 -23
Issuance of Debt		 - - 3.39 - - - 1.00 - - 200 2.56
Repayment of Debt		 - - -3.38 - - - -1.12 - - -0.11 -2.50
Repurchase of Common Equity		 -0.22 -0.21 -3.39 -0.13 -0.10 -0.23 -3.37 -0.11 -0.09 -0.32 -5.23
Payment of Dividends		 -17 -17 -17 -17 -17 -17 -18 -17 -19 -19 -20
Other Financing Activities, Net		 1.83 -0.24 3.40 0.17 4.74 1.58 2.63 -0.18 -0.37 -1.34 2.60
Effect of Exchange Rate Changes		 -1.66 2.07 -1.28 -0.38 1.65 -4.45 0.79 2.53 -0.54 0.38 -1.33

Annual Balance Sheets for Stewart Information Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 1,322 1,342 1,406 1,373 1,593 1,979 2,813 2,738 2,703 2,730 3,253
Cash and Due from Banks		 179 186 150 192 331 433 486 248 233 216 322
Trading Account Securities		 106 156 228 182 168 6.77 684 715 684 674 606
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -7.31 -7.58 -7.73 0.00
Premises and Equipment, Net		 -67 -71 -85 -81 -55 -44 99 95 95 97 99
Unearned Premiums Asset		 27 22 23 24 22 30 -7.71 40 39 37 -7.81
Goodwill		 218 217 231 249 249 431 925 1,073 1,072 1,084 1,272
Intangible Assets		 18 11 9.73 9.73 4.62 37 230 199 193 173 325
Other Assets		 841 822 849 796 874 1,084 398 376 394 457 636
Total Liabilities & Shareholders' Equity		 1,322 1,342 1,406 1,373 1,593 1,979 2,813 2,738 2,703 2,730 3,253
Total Liabilities		 684 693 727 693 839 966 1,519 1,368 1,324 1,319 1,602
Other Short-Term Payables		 118 116 118 109 127 - 287 - - - 256
Long-Term Debt		 102 107 109 108 111 102 483 447 445 446 647
Claims and Claim Expense		 463 463 481 462 459 496 550 549 528 512 524
Other Long-Term Liabilities		 1.36 7.86 19 14 143 368 198 371 351 362 175
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		 637 649 679 680 754 1,012 1,295 1,370 1,379 1,411 1,650
Total Preferred & Common Equity		 629 641 672 674 747 1,005 1,282 1,362 1,371 1,402 1,641
Total Common Equity		 629 641 672 674 747 1,005 1,285 1,362 1,371 1,402 1,644
Common Stock		 157 181 184 187 188 302 310 324 338 359 520
Retained Earnings		 456 472 492 514 564 689 975 1,092 1,071 1,089 1,145
Accumulated Other Comprehensive Income / (Loss)		 -3.96 -8.88 -0.85 -25 -2.70 17 0.25 -51 -35 -43 -22
Noncontrolling Interest		 7.85 7.65 6.60 6.31 6.45 7.29 13 8.11 7.14 8.95 9.31

Quarterly Balance Sheets for Stewart Information Services

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,705 2,679 2,678 2,669 2,651 2,645 2,730 2,707 2,781 2,846 3,238
Cash and Due from Banks		 321 175 190 203 138 133 184 149 178 189 271
Trading Account Securities		 674 694 684 665 674 661 689 675 690 695 602
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 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 93 93 100
Unearned Premiums Asset		 -7.58 -7.44 -7.85 -8.65 -8.00 -8.19 -8.85 -8.41 -8.89 -9.18 -9.16
Goodwill		 962 1,094 1,075 1,072 1,072 1,081 1,081 1,093 1,093 1,120 1,276
Intangible Assets		 174 191 205 202 185 177 175 165 158 158 316
Other Assets		 488 438 437 441 495 506 512 539 578 600 682
Total Liabilities & Shareholders' Equity		 2,705 2,679 2,678 2,669 2,651 2,645 2,730 2,707 2,781 2,846 3,238
Total Liabilities		 1,348 1,319 1,312 1,310 1,287 1,274 1,315 1,299 1,335 1,364 1,592
Other Short-Term Payables		 184 163 168 177 166 165 197 199 204 234 252
Long-Term Debt		 446 445 445 445 445 446 446 446 446 446 647
Claims and Claim Expense		 547 533 524 521 519 512 518 511 523 520 517
Other Long-Term Liabilities		 170 178 175 166 156 151 155 144 162 163 177
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		 1,358 1,360 1,366 1,359 1,364 1,371 1,414 1,408 1,446 1,482 1,646
Total Preferred & Common Equity		 1,345 1,352 1,358 1,352 1,358 1,365 1,407 1,400 1,438 1,473 1,638
Total Common Equity		 1,348 1,355 1,361 1,355 1,360 1,367 1,410 1,403 1,440 1,476 1,641
Common Stock		 321 328 332 338 341 345 353 362 367 375 522
Retained Earnings		 1,091 1,071 1,074 1,075 1,061 1,065 1,081 1,078 1,096 1,125 1,146
Accumulated Other Comprehensive Income / (Loss)		 -65 -44 -45 -59 -42 -43 -24 -37 -23 -24 -27
Noncontrolling Interest		 13 7.31 7.50 7.34 6.50 6.55 7.25 7.44 8.53 8.49 7.67

Annual Metrics And Ratios for Stewart Information Services

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 28,024,203.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 28,024,203.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 4.64
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.26% -3.65% 65.79% -44.85% 5.54% 18.03% 49.13% -7.89% -22.71% 12.75% 15.43%
EBITDA Growth		 -38.74% 168.97% -24.86% 9.99% 39.49% 67.54% 95.87% -38.40% -57.60% 41.47% 28.55%
EBIT Growth		 -81.20% 803.57% -14.72% -3.38% 61.27% 86.81% 98.61% -46.39% -73.84% 87.82% 44.85%
NOPAT Growth		 -89.45% 1,592.33% -12.09% -1.87% 52.95% 87.96% 100.38% -46.53% -74.92% 93.33% 47.65%
Net Income Growth		 -89.45% 1,592.33% -12.09% -1.87% 52.95% 87.96% 100.38% -46.53% -74.92% 93.33% 47.65%
EPS Growth		 -120.97% 811.54% 11.35% -2.43% 64.68% 87.92% 91.32% -50.08% -81.31% 135.14% 55.17%
Operating Cash Flow Growth		 25.82% 52.72% -12.11% -22.11% 97.63% 65.79% 41.51% -50.84% -56.72% 63.30% 51.68%
Free Cash Flow Firm Growth		 196.94% 44.66% -47.07% 114.13% -76.79% -682.49% -304.49% 144.05% -72.66% 41.08% -662.81%
Invested Capital Growth		 -4.16% 2.18% 4.30% -0.03% 9.71% 28.90% 59.60% 2.20% 0.36% 1.81% 23.70%
Revenue Q/Q Growth		 -1.78% 0.25% 73.07% -44.30% -26.52% 77.57% 8.26% -9.78% -2.33% 4.55% 4.52%
EBITDA Q/Q Growth		 -11.78% 26.33% -22.87% 28.94% -78.04% 130.54% -46.95% -24.11% -1.36% 10.17% 7.60%
EBIT Q/Q Growth		 -56.95% 29.14% -15.09% 16.02% -81.40% 126.80% -49.63% -28.63% -3.14% 16.98% 10.96%
NOPAT Q/Q Growth		 -68.86% 28.08% -3.40% -5.16% -11.56% 56.52% 8.38% -28.47% -10.16% 19.05% 11.77%
Net Income Q/Q Growth		 -68.86% 28.08% -3.40% -5.16% -11.56% 56.52% 8.38% -28.47% -10.16% 19.05% 11.77%
EPS Q/Q Growth		 -262.50% 48.00% -3.74% -7.37% -12.43% 60.31% 7.01% -30.77% -13.28% 23.11% 12.50%
Operating Cash Flow Q/Q Growth		 -29.53% 55.84% 0.98% -18.87% 12.61% 37.95% -0.50% -36.05% 21.41% 26.60% 11.73%
Free Cash Flow Firm Q/Q Growth		 -19.60% 628.95% -32.22% -34.14% -31.19% -2.10% -156.87% 347.19% -22.36% 199.82% -739.68%
Invested Capital Q/Q Growth		 1.84% -4.29% -2.81% 0.60% -0.10% 5.90% 19.19% 0.74% 1.08% -0.17% 19.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 3.81% 10.64% 4.82% 9.62% 12.71% 18.04% 23.70% 15.85% 8.69% 10.91% 12.15%
EBIT Margin		 0.80% 7.48% 3.85% 6.74% 10.29% 16.29% 21.70% 12.63% 4.27% 7.12% 8.93%
Profit (Net Income) Margin		 0.33% 5.81% 3.08% 5.48% 7.94% 12.65% 17.00% 9.87% 3.20% 5.49% 7.02%
Tax Burden Percent		 41.71% 77.73% 80.12% 81.38% 77.18% 77.65% 78.34% 78.14% 74.92% 77.12% 78.61%
Interest Burden Percent		 99.50% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 58.29% 22.27% 19.88% 18.62% 22.82% 22.35% 21.66% 21.86% 25.08% 22.88% 21.39%
Return on Invested Capital (ROIC)		 0.54% 9.15% 7.79% 7.49% 10.93% 17.15% 23.51% 10.11% 2.50% 4.79% 6.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.54% 9.15% 7.79% 7.49% 10.93% 17.15% 23.51% 10.11% 2.50% 4.79% 6.27%
Return on Net Nonoperating Assets (RNNOA)		 0.07% 1.49% 1.27% 1.20% 1.67% 2.06% 5.96% 3.53% 0.81% 1.53% 2.24%
Return on Equity (ROE)		 0.60% 10.64% 9.06% 8.69% 12.59% 19.21% 29.47% 13.64% 3.32% 6.32% 8.50%
Cash Return on Invested Capital (CROIC)		 4.78% 6.99% 3.59% 7.52% 1.66% -8.10% -22.41% 7.94% 2.14% 2.99% -14.92%
Operating Return on Assets (OROA)		 0.72% 6.61% 5.46% 5.22% 7.89% 12.24% 18.11% 8.38% 2.24% 4.21% 5.53%
Return on Assets (ROA)		 0.30% 5.14% 4.38% 4.25% 6.09% 9.50% 14.19% 6.55% 1.68% 3.25% 4.35%
Return on Common Equity (ROCE)		 0.60% 10.51% 8.96% 8.61% 12.48% 19.06% 29.25% 13.55% 3.30% 6.28% 8.45%
Return on Equity Simple (ROE_SIMPLE)		 0.64% 10.67% 8.95% 8.76% 12.08% 16.88% 26.52% 13.35% 3.32% 6.29% 7.93%
Net Operating Profit after Tax (NOPAT)		 4.04 68 60 59 90 170 340 182 46 88 130
NOPAT Margin		 0.33% 5.81% 3.08% 5.48% 7.94% 12.65% 17.00% 9.87% 3.20% 5.49% 7.02%
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		 53.86% 51.32% 71.88% 52.24% 49.91% 45.72% 38.84% 43.53% 50.05% 46.42% 44.81%
Operating Expenses to Revenue		 99.20% 92.52% 96.15% 93.26% 89.71% 83.71% 78.31% 87.37% 95.73% 92.88% 91.07%
Earnings before Interest and Taxes (EBIT)		 9.74 88 75 73 117 219 434 233 61 114 166
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 125 94 104 144 242 474 292 124 175 225
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.33 1.22 1.23 1.12 1.15 1.53 0.79 1.14 1.33 1.20
Price to Tangible Book Value (P/TBV)		 1.70 2.07 1.90 1.99 1.69 2.15 15.07 11.99 14.72 12.91 44.76
Price to Revenue (P/Rev)		 0.55 0.73 0.42 0.77 0.74 0.86 0.98 0.59 1.10 1.17 1.06
Price to Earnings (P/E)		 0.00 15.39 16.86 17.36 10.64 7.46 6.06 6.66 51.31 25.52 17.04
Dividend Yield		 2.79% 3.28% 3.48% 3.45% 3.40% 2.77% 1.87% 4.14% 3.24% 2.89% 2.92%
Earnings Yield		 0.00% 6.50% 5.93% 5.76% 9.40% 13.41% 16.49% 15.02% 1.95% 3.92% 5.87%
Enterprise Value to Invested Capital (EV/IC)		 0.81 1.04 1.00 0.95 0.72 0.75 1.11 0.71 0.98 1.14 1.00
Enterprise Value to Revenue (EV/Rev)		 0.49 0.66 0.40 0.69 0.55 0.62 0.99 0.70 1.25 1.31 1.24
Enterprise Value to EBITDA (EV/EBITDA)		 12.88 6.25 8.35 7.22 4.31 3.44 4.16 4.41 14.39 12.04 10.23
Enterprise Value to EBIT (EV/EBIT)		 61.56 8.89 10.48 10.31 5.33 3.81 4.54 5.53 29.26 18.45 13.91
Enterprise Value to NOPAT (EV/NOPAT)		 148.34 11.44 13.08 12.66 6.90 4.90 5.80 7.08 39.06 23.93 17.69
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.45 6.36 7.28 8.88 3.75 3.02 5.05 6.71 21.45 15.56 11.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.59 14.97 28.41 12.61 45.30 0.00 0.00 9.02 45.63 38.31 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.16 0.16 0.16 0.16 0.15 0.10 0.37 0.33 0.32 0.32 0.39
Long-Term Debt to Equity		 0.16 0.16 0.16 0.16 0.15 0.10 0.37 0.33 0.32 0.32 0.39
Financial Leverage		 0.13 0.16 0.16 0.16 0.15 0.12 0.25 0.35 0.32 0.32 0.36
Leverage Ratio		 2.03 2.07 2.07 2.05 2.07 2.02 2.08 2.08 1.98 1.95 1.95
Compound Leverage Factor		 2.02 2.07 2.07 2.05 2.07 2.02 2.08 2.08 1.98 1.95 1.95
Debt to Total Capital		 13.85% 14.13% 13.87% 13.71% 12.80% 9.13% 27.19% 24.60% 24.42% 24.01% 28.15%
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		 13.85% 14.13% 13.87% 13.71% 12.80% 9.13% 27.19% 24.60% 24.42% 24.01% 28.15%
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		 1.06% 1.01% 0.84% 0.80% 0.75% 0.65% 0.72% 0.45% 0.39% 0.48% 0.41%
Common Equity to Total Capital		 85.09% 84.85% 85.29% 85.49% 86.45% 90.21% 72.24% 74.96% 75.19% 75.51% 71.44%
Debt to EBITDA		 2.20 0.85 1.16 1.04 0.77 0.42 1.02 1.53 3.60 2.55 2.87
Net Debt to EBITDA		 -1.65 -0.63 -0.43 -0.81 -1.52 -1.37 -0.01 0.68 1.71 1.31 1.44
Long-Term Debt to EBITDA		 2.20 0.85 1.16 1.04 0.77 0.42 1.02 1.53 3.60 2.55 2.87
Debt to NOPAT		 25.33 1.56 1.82 1.83 1.23 0.60 1.42 2.46 9.77 5.06 4.97
Net Debt to NOPAT		 -18.96 -1.15 -0.68 -1.42 -2.44 -1.95 -0.01 1.09 4.65 2.60 2.50
Long-Term Debt to NOPAT		 25.33 1.56 1.82 1.83 1.23 0.60 1.42 2.46 9.77 5.06 4.97
Noncontrolling Interest Sharing Ratio		 1.13% 1.20% 1.07% 0.95% 0.89% 0.78% 0.75% 0.68% 0.55% 0.58% 0.60%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 36 52 28 59 14 -80 -324 143 39 55 -310
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		 17.25 17.08 8.00 15.30 3.17 -30.53 -64.41 7.76 1.98 2.77 -15.16
Operating Cash Flow to Interest Expense		 38.41 40.16 31.25 21.72 38.32 105.11 77.58 10.43 4.21 6.81 10.06
Operating Cash Flow Less CapEx to Interest Expense		 38.41 40.16 31.25 21.72 38.32 105.20 79.70 10.43 4.21 6.81 10.06
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.90 0.88 1.42 0.78 0.77 0.75 0.83 0.66 0.52 0.59 0.62
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.06 15.01 16.69 18.84
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 740 756 788 788 864 1,114 1,778 1,817 1,824 1,857 2,297
Invested Capital Turnover		 1.62 1.58 2.53 1.37 1.38 1.36 1.38 1.02 0.78 0.87 0.89
Increase / (Decrease) in Invested Capital		 -32 16 32 -0.25 77 250 664 39 6.57 33 440
Enterprise Value (EV)		 600 783 786 748 623 832 1,970 1,287 1,781 2,109 2,303
Market Capitalization		 669 854 821 825 837 1,156 1,960 1,080 1,562 1,871 1,969
Book Value per Share		 $27.02 $27.44 $28.29 $28.37 $31.52 $37.62 $47.77 $50.21 $50.12 $50.58 $58.56
Tangible Book Value per Share		 $16.90 $17.68 $18.14 $17.48 $20.83 $20.07 $4.84 $3.32 $3.88 $5.23 $1.57
Total Capital		 740 756 788 788 864 1,114 1,778 1,817 1,824 1,857 2,297
Total Debt		 102 107 109 108 111 102 483 447 445 446 647
Total Long-Term Debt		 102 107 109 108 111 102 483 447 445 446 647
Net Debt		 -77 -79 -41 -84 -220 -331 -2.43 199 212 230 325
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 -0.23 -11 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)		 102 107 109 108 111 102 483 447 445 446 647
Total Depreciation and Amortization (D&A)		 37 37 19 31 27 23 40 59 63 61 60
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.26) $1.86 $2.08 $2.02 $3.33 $6.25 $12.05 $6.00 $1.12 $2.65 $4.12
Adjusted Weighted Average Basic Shares Outstanding		 23.54M 23.36M 23.45M 23.54M 23.61M 24.79M 26.82M 27.06M 27.29M 27.63M 28.07M
Adjusted Diluted Earnings per Share		 ($0.26) $1.85 $2.06 $2.01 $3.31 $6.22 $11.90 $5.94 $1.11 $2.61 $4.05
Adjusted Weighted Average Diluted Shares Outstanding		 23.54M 23.47M 23.60M 23.69M 23.75M 24.91M 27.17M 27.35M 27.52M 28.13M 28.56M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.33 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 23.34M 23.43M 23.72M 23.73M 23.68M 26.75M 26.98M 27.19M 27.46M 27.81M 30.42M
Normalized Net Operating Profit after Tax (NOPAT)		 32 68 60 59 90 170 340 182 46 88 130
Normalized NOPAT Margin		 2.60% 5.81% 3.08% 5.48% 7.94% 12.65% 17.00% 9.87% 3.20% 5.49% 7.02%
Pre Tax Income Margin		 0.79% 7.48% 3.85% 6.74% 10.29% 16.29% 21.70% 12.63% 4.27% 7.12% 8.93%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.65 28.75 21.71 18.72 26.94 83.27 86.26 12.64 3.08 5.74 8.10
NOPAT to Interest Expense		 1.93 22.35 17.39 15.23 20.80 64.66 67.58 9.88 2.31 4.43 6.37
EBIT Less CapEx to Interest Expense		 4.65 28.75 21.71 18.72 26.94 83.36 88.38 12.64 3.08 5.74 8.10
NOPAT Less CapEx to Interest Expense		 1.93 22.35 17.39 15.23 20.80 64.75 69.70 9.88 2.31 4.43 6.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 445.46% 40.69% 66.15% 67.59% 44.15% 26.03% 15.60% 35.93% 146.19% 76.01% 55.63%
Augmented Payout Ratio		 1,136.78% 42.23% 67.36% 69.58% 44.73% 26.65% 16.26% 37.72% 150.10% 80.37% 58.61%

Quarterly Metrics And Ratios for Stewart Information Services

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 28,024,203.00 30,419,415.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 28,024,203.00 30,419,415.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.46 0.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -12.44% -8.63% 11.34% 6.65% 13.61% 19.40% 10.41% 17.07% 14.78% 18.65% 29.01%
EBITDA Growth		 -27.51% -4.71% 352.23% 7.80% 33.17% 46.98% -8.11% 40.36% 31.30% 31.44% 93.65%
EBIT Growth		 -40.53% -9.50% 170.36% 15.22% 58.11% 88.34% -17.44% 61.27% 42.95% 46.25% 300.42%
NOPAT Growth		 -48.37% -28.25% 187.35% 6.49% 87.78% 107.66% -12.79% 69.17% 43.15% 50.36% 252.09%
Net Income Growth		 -48.37% -28.25% 219.01% 6.49% 87.78% 107.66% -12.79% 69.17% 43.15% 50.36% 252.09%
EPS Growth		 -52.78% -34.69% 136.67% 6.90% 109.80% 153.13% 0.00% 82.26% 44.86% 55.56% 400.00%
Operating Cash Flow Growth		 21.86% 59.00% 42.05% -39.83% 27.86% 72.19% -1.15% 152.94% 21.71% 31.77% 85.00%
Free Cash Flow Firm Growth		 106.29% 131.45% 103.53% 13.02% -226.18% -189.95% -2,765.59% -361.10% 9.99% -6,689.57% -983.42%
Invested Capital Growth		 0.03% 0.36% 0.26% 0.32% 3.09% 1.81% 2.44% 4.15% 3.66% 23.70% 23.67%
Revenue Q/Q Growth		 1.39% -4.63% -3.03% 13.75% 8.00% 0.23% -10.33% 20.61% 5.89% 3.61% -2.50%
EBITDA Q/Q Growth		 6.56% -20.95% -34.56% 95.57% 31.64% -12.75% -59.09% 198.73% 23.14% -12.66% -39.73%
EBIT Q/Q Growth		 7.51% -30.61% -61.95% 305.89% 47.53% -17.35% -83.32% 692.81% 30.78% -15.44% -54.33%
NOPAT Q/Q Growth		 -9.36% -26.92% -52.61% 239.21% 59.83% -19.18% -80.10% 557.96% 35.25% -15.11% -53.39%
Net Income Q/Q Growth		 -9.36% -26.92% -52.61% 239.21% 59.83% -19.18% -80.10% 557.96% 35.25% -15.11% -53.39%
EPS Q/Q Growth		 -12.07% -37.25% -65.63% 463.64% 72.58% -24.30% -86.42% 927.27% 37.17% -18.71% -56.35%
Operating Cash Flow Q/Q Growth		 69.58% -33.71% -174.97% 171.39% 260.37% -10.73% -144.04% 278.53% 73.40% -3.35% -105.01%
Free Cash Flow Firm Q/Q Growth		 29.34% -62.54% -77.77% 949.21% -244.39% 73.29% -558.80% -2.77% 50.22% -1,914.43% -5.13%
Invested Capital Q/Q Growth		 -0.37% 1.08% -0.78% 0.40% 2.38% -0.17% -0.17% 2.08% 1.89% 19.14% -0.20%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 11.53% 9.56% 6.45% 11.09% 13.51% 11.76% 5.37% 13.29% 15.46% 13.03% 8.05%
EBIT Margin		 7.17% 5.21% 2.05% 7.30% 9.97% 8.22% 1.53% 10.06% 12.42% 10.14% 4.75%
Profit (Net Income) Margin		 4.75% 3.64% 1.78% 5.30% 7.85% 6.33% 1.40% 7.66% 9.79% 8.02% 3.83%
Tax Burden Percent		 66.25% 69.78% 86.90% 72.63% 78.68% 76.94% 91.80% 76.18% 78.79% 79.10% 80.72%
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		 33.75% 30.22% 13.10% 27.37% 21.32% 23.06% 8.20% 23.82% 21.21% 20.90% 19.28%
Return on Invested Capital (ROIC)		 3.84% 2.85% 1.44% 4.34% 6.58% 5.52% 1.26% 7.06% 9.16% 7.16% 3.63%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.84% 2.85% 1.44% 4.34% 6.58% 5.52% 1.26% 7.06% 9.16% 7.16% 3.63%
Return on Net Nonoperating Assets (RNNOA)		 1.26% 0.92% 0.47% 1.41% 2.11% 1.76% 0.40% 2.24% 2.82% 2.55% 1.30%
Return on Equity (ROE)		 5.10% 3.77% 1.91% 5.75% 8.69% 7.28% 1.66% 9.30% 11.98% 9.71% 4.93%
Cash Return on Invested Capital (CROIC)		 2.79% 2.14% 2.89% 2.89% 1.00% 2.99% 2.36% 1.43% 2.56% -14.92% -14.22%
Operating Return on Assets (OROA)		 3.89% 2.73% 1.12% 4.07% 5.67% 4.86% 0.94% 6.34% 7.90% 6.28% 3.14%
Return on Assets (ROA)		 2.58% 1.90% 0.97% 2.96% 4.46% 3.74% 0.86% 4.83% 6.23% 4.97% 2.53%
Return on Common Equity (ROCE)		 5.07% 3.75% 1.90% 5.73% 8.66% 7.24% 1.66% 9.27% 11.94% 9.65% 4.92%
Return on Equity Simple (ROE_SIMPLE)		 3.75% 0.00% 4.20% 4.27% 5.26% 0.00% 6.24% 7.09% 7.90% 0.00% 8.78%
Net Operating Profit after Tax (NOPAT)		 18 13 6.21 21 34 27 5.42 36 48 41 19
NOPAT Margin		 4.75% 3.64% 1.78% 5.30% 7.85% 6.33% 1.40% 7.66% 9.79% 8.02% 3.83%
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		 48.06% 49.44% 49.36% 45.23% 45.18% 46.37% 48.18% 44.77% 42.89% 44.16% 44.44%
Operating Expenses to Revenue		 92.83% 94.79% 97.95% 92.70% 90.03% 91.78% 98.47% 89.94% 87.58% 89.86% 95.25%
Earnings before Interest and Taxes (EBIT)		 27 19 7.15 29 43 35 5.90 47 61 52 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 44 34 23 44 58 51 21 62 76 66 40
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 1.14 1.30 1.25 1.47 1.33 1.41 1.26 1.39 1.20 1.14
Price to Tangible Book Value (P/TBV)		 14.35 14.72 17.23 15.60 13.44 12.91 13.67 9.60 10.36 44.76 38.70
Price to Revenue (P/Rev)		 0.80 1.10 1.21 1.15 1.35 1.17 1.21 1.06 1.16 1.06 0.95
Price to Earnings (P/E)		 33.24 51.31 42.46 39.55 34.84 25.52 27.09 20.69 20.13 17.04 14.47
Dividend Yield		 4.30% 3.24% 2.90% 3.06% 2.58% 2.89% 2.77% 3.07% 2.76% 2.92% 3.37%
Earnings Yield		 3.01% 1.95% 2.36% 2.53% 2.87% 3.92% 3.69% 4.83% 4.97% 5.87% 6.91%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.98 1.15 1.12 1.26 1.14 1.23 1.11 1.20 1.00 0.98
Enterprise Value to Revenue (EV/Rev)		 0.97 1.25 1.43 1.37 1.52 1.31 1.39 1.22 1.31 1.24 1.15
Enterprise Value to EBITDA (EV/EBITDA)		 11.24 14.39 14.76 14.05 14.71 12.04 13.21 10.96 11.08 10.23 9.23
Enterprise Value to EBIT (EV/EBIT)		 22.46 29.26 26.70 24.77 23.92 18.45 20.25 16.00 15.54 13.91 12.31
Enterprise Value to NOPAT (EV/NOPAT)		 27.80 39.06 36.59 34.83 31.57 23.93 26.20 20.54 19.91 17.69 15.69
Enterprise Value to Operating Cash Flow (EV/OCF)		 20.63 21.45 19.96 22.43 21.83 15.56 16.92 12.50 12.60 11.20 9.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.07 45.63 39.92 38.69 127.30 38.31 52.97 79.04 47.87 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.32 0.33 0.32 0.32 0.32 0.32 0.31 0.30 0.39 0.39
Long-Term Debt to Equity		 0.33 0.32 0.33 0.32 0.32 0.32 0.32 0.31 0.30 0.39 0.39
Financial Leverage		 0.33 0.32 0.33 0.33 0.32 0.32 0.32 0.32 0.31 0.36 0.36
Leverage Ratio		 1.98 1.98 1.96 1.94 1.95 1.95 1.93 1.93 1.92 1.95 1.95
Compound Leverage Factor		 1.98 1.98 1.96 1.94 1.95 1.95 1.93 1.93 1.92 1.95 1.95
Debt to Total Capital		 24.67% 24.42% 24.62% 24.52% 23.96% 24.01% 24.05% 23.57% 23.14% 28.15% 28.21%
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		 24.67% 24.42% 24.62% 24.52% 23.96% 24.01% 24.05% 23.57% 23.14% 28.15% 28.21%
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		 0.41% 0.39% 0.36% 0.36% 0.39% 0.48% 0.40% 0.45% 0.44% 0.41% 0.33%
Common Equity to Total Capital		 75.07% 75.19% 75.17% 75.26% 75.79% 75.51% 75.69% 76.12% 76.56% 71.44% 71.57%
Debt to EBITDA		 3.55 3.60 3.15 3.08 2.80 2.55 2.57 2.33 2.13 2.87 2.65
Net Debt to EBITDA		 1.93 1.71 2.17 2.16 1.65 1.31 1.72 1.40 1.23 1.44 1.54
Long-Term Debt to EBITDA		 3.55 3.60 3.15 3.08 2.80 2.55 2.57 2.33 2.13 2.87 2.65
Debt to NOPAT		 8.77 9.77 7.81 7.64 6.02 5.06 5.10 4.38 3.83 4.97 4.50
Net Debt to NOPAT		 4.77 4.65 5.38 5.35 3.54 2.60 3.40 2.63 2.21 2.50 2.61
Long-Term Debt to NOPAT		 8.77 9.77 7.81 7.64 6.02 5.06 5.10 4.38 3.83 4.97 4.50
Noncontrolling Interest Sharing Ratio		 0.54% 0.55% 0.31% 0.32% 0.33% 0.58% 0.31% 0.35% 0.36% 0.60% 0.32%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 17 6.54 1.45 15 -22 -5.88 -39 -40 -20 -399 -420
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		 3.45 1.32 0.29 3.17 -4.49 -1.14 -7.81 -8.04 -4.05 -70.87 -55.01
Operating Cash Flow to Interest Expense		 11.78 7.96 -5.85 4.39 15.54 13.21 -6.03 10.79 18.91 15.90 -0.59
Operating Cash Flow Less CapEx to Interest Expense		 11.83 7.96 -5.85 4.40 15.54 13.21 -5.72 11.05 19.10 15.90 -0.58
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.54 0.52 0.55 0.56 0.57 0.59 0.61 0.63 0.64 0.62 0.66
Fixed Asset Turnover		 15.40 15.01 15.35 15.61 15.88 16.69 17.27 18.20 18.48 18.84 20.20
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,804 1,824 1,810 1,817 1,860 1,857 1,854 1,892 1,928 2,297 2,292
Invested Capital Turnover		 0.81 0.78 0.81 0.82 0.84 0.87 0.90 0.92 0.94 0.89 0.95
Increase / (Decrease) in Invested Capital		 0.48 6.57 4.76 5.82 56 33 44 75 68 440 439
Enterprise Value (EV)		 1,411 1,781 2,087 2,031 2,338 2,109 2,289 2,094 2,319 2,303 2,256
Market Capitalization		 1,162 1,562 1,773 1,712 2,069 1,871 1,984 1,818 2,053 1,969 1,873
Book Value per Share		 $49.53 $50.12 $49.53 $49.58 $50.93 $50.58 $50.45 $51.59 $52.72 $58.56 $53.93
Tangible Book Value per Share		 $2.96 $3.88 $3.75 $3.98 $5.56 $5.23 $5.22 $6.78 $7.08 $1.57 $1.59
Total Capital		 1,804 1,824 1,810 1,817 1,860 1,857 1,854 1,892 1,928 2,297 2,292
Total Debt		 445 445 445 446 446 446 446 446 446 647 647
Total Long-Term Debt		 445 445 445 446 446 446 446 446 446 647 647
Net Debt		 242 212 307 312 262 230 297 268 258 325 376
Capital Expenditures (CapEx)		 -0.26 0.00 -0.01 -0.07 -0.03 0.00 -1.54 -1.30 -0.91 0.00 -0.05
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)		 445 445 445 446 446 446 446 446 446 647 647
Total Depreciation and Amortization (D&A)		 16 16 15 15 15 15 15 15 15 15 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.51 $0.33 $0.11 $0.63 $1.09 $0.82 $0.11 $1.14 $1.58 $1.29 $0.56
Adjusted Weighted Average Basic Shares Outstanding		 27.35M 27.29M 27.51M 27.59M 27.69M 27.63M 27.83M 27.93M 28.00M 28.07M 30.30M
Adjusted Diluted Earnings per Share		 $0.51 $0.32 $0.11 $0.62 $1.07 $0.81 $0.11 $1.13 $1.55 $1.26 $0.55
Adjusted Weighted Average Diluted Shares Outstanding		 27.65M 27.52M 28.03M 28.01M 28.20M 28.13M 28.34M 28.33M 28.49M 28.56M 30.81M
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		 27.36M 27.46M 27.58M 27.68M 27.72M 27.81M 27.92M 28.00M 28.02M 30.42M 30.43M
Normalized Net Operating Profit after Tax (NOPAT)		 18 13 6.21 21 34 27 5.42 36 48 41 19
Normalized NOPAT Margin		 4.75% 3.64% 1.78% 5.30% 7.85% 6.33% 1.40% 7.66% 9.79% 8.02% 3.83%
Pre Tax Income Margin		 7.17% 5.21% 2.05% 7.30% 9.97% 8.22% 1.53% 10.06% 12.42% 10.14% 4.75%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.36 3.79 1.41 6.03 8.73 6.87 1.19 9.44 12.49 9.18 3.10
NOPAT to Interest Expense		 3.55 2.64 1.23 4.38 6.87 5.29 1.09 7.19 9.84 7.26 2.50
EBIT Less CapEx to Interest Expense		 5.41 3.79 1.41 6.04 8.74 6.87 1.50 9.71 12.68 9.18 3.10
NOPAT Less CapEx to Interest Expense		 3.60 2.64 1.23 4.39 6.88 5.29 1.40 7.46 10.03 7.26 2.51
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 132.31% 146.19% 118.21% 116.96% 91.61% 76.01% 77.85% 66.48% 59.87% 55.63% 52.08%
Augmented Payout Ratio		 135.60% 150.10% 125.05% 123.73% 96.78% 80.37% 82.22% 70.21% 63.12% 58.61% 56.08%

Financials Breakdown Chart

Key Financial Trends

Here are the key trends for Stewart Information Services (NYSE: STC) based on the last four years of quarterly statements. The focus is on notable shifts in revenue, profitability, cash flow, and balance-sheet strength that could matter to a retail investor.

  • Revenue growth in 2025: Total revenue rose to 510,275,000 in Q4 2025 from 430,063,000 in Q4 2024, with 492,495,000 (Q3 2025) and 465,116,000 (Q2 2025) preceding it. This indicates an improving top line through the year.
  • Improved net income in 2025: Net income attributable to common shareholders was 36,277,000 in Q4 2025, up from 13,399,000 in Q4 2024, reflecting stronger profitability at the end of 2025.
  • Positive operating cash flow in late 2025: Net cash from continuing operating activities was 89,542,000 in Q4 2025 and 92,645,000 in Q3 2025, signaling improved core cash generation versus earlier periods.
  • Solid liquidity from financing activities in Q4 2025: Net cash from financing activities reached 319,872,000 in Q4 2025, contributing to a favorable overall cash flow for the quarter and strengthening liquidity.
  • Consistent dividend payments: Cash dividends to common per share were 0.53 in Q4 2025 (indicative of ongoing shareholder returns).
  • Balance-sheet strength and equity support: Total common equity was about 1.476B (Q3 2025) and total equity around 1.481B, with total assets near 2.84B by Q3 2025, suggesting solid capitalization and room to absorb shocks.
  • High but potentially non-recurring non-interest income: Q4 2025 shows a very large Other Non-Interest Income (about 780,346,000), which may reflect one-time gains rather than sustainable recurring revenue. This item should be interpreted cautiously.
  • Material balance of goodwill/intangible assets: Goodwill (~1.1B) and intangible assets (~0.16-0.33B in recent periods) remain at elevated levels, implying that impairment risk could arise if conditions deteriorate.
  • Investing cash outflows remain substantial: Net cash from continuing investing activities in Q4 2025 was -276,539,000, reflecting ongoing investment activity that reduces near-term liquidity from investing alone.
  • Occasional negative operating cash flow early in 2025: Q1 2025 showed net cash from continuing operating activities of -29,927,000, indicating a period of negative OCF before trend improvements later in the year.
  • Volatility from quarter to quarter: The mix of one-time gains (see neutral item above) and large investing outflows can create quarterly earnings and cash-flow volatility, which may complicate short-term forecasting.
05/22/26 12:54 PM ETAI Generated. May Contain Errors.

Stewart Information Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Stewart Information Services' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Stewart Information Services' net income appears to be on an upward trend, with a most recent value of $130.16 million in 2025, rising from $4.04 million in 2015. The previous period was $88.16 million in 2024. See where experts think Stewart Information Services is headed by visiting Stewart Information Services' forecast page.

Over the last 10 years, Stewart Information Services' total revenue changed from $1.22 billion in 2015 to $1.85 billion in 2025, a change of 51.7%.

Stewart Information Services' total liabilities were at $1.60 billion at the end of 2025, a 21.5% increase from 2024, and a 134.1% increase since 2015.

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 $321.78 million as of their latest financial filing in 2025.

Over the last 10 years, Stewart Information Services' book value per share changed from 27.02 in 2015 to 58.56 in 2025, a change of 116.7%.


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Financial statements for NYSE:STC last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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