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Friday 6 November 2026
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Stewart Information Services Corporation
STC Financial Insurance Property & Casualty
Stewart Information Services Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.9 billion, up 17.3% from fiscal 2024.
- Revenue
- +13.0%
- EPS
- −36.8%
- Free cash flow
- −12.4%
- Total debt
- +46.8%
Quarter to September 2026, against a year earlier
48.67
1.57
+3.33%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
17.39 | 25.96 | 52.26 | 7.35 | 6.71 | 7.94 | 12.36 | 20.60 | 20.74 | 24.63 |
Piotroski F-Score |
6 | 6 | 5 | 4 | 6 | 5 | 7 | 5 | 4 | 7 |
P/S ratio |
0.68 | 0.75 | 0.70 | 0.38 | 0.65 | 0.52 | 0.50 | 0.51 | 0.51 | 0.53 |
P/FCF ratio |
14.91 | 19.60 | 34.99 | 8.20 | 5.92 | 4.59 | 6.39 | 13.25 | 10.87 | 10.03 |
P/Operating CF |
22.02 | 27.44 | 40.12 | 47.56 | 16.08 | 8.89 | 16.30 | 24.10 | 16.69 | 17.95 |
P/B ratio |
1.19 | 1.32 | 1.15 | 0.86 | 1.65 | 1.18 | 1.28 | 1.43 | 1.48 | 1.63 |
Price to Tangible BV |
37.00 | 12.12 | 13.98 | 12.02 | 15.26 | 2.21 | 1.93 | 2.31 | 2.29 | 2.52 |
EV/Sales |
0.79 | 0.84 | 0.80 | 0.45 | 0.65 | 0.38 | 0.38 | 0.47 | 0.49 | 0.49 |
EV/EBITDA |
7.02 | 7.60 | 8.02 | 3.34 | 3.53 | 2.41 | 3.19 | 4.98 | 4.63 | 4.46 |
EV/Operating CF |
11.17 | 15.44 | 21.62 | 7.19 | 5.47 | 3.15 | 4.47 | 10.58 | 8.89 | 7.97 |
EV/FCF |
17.36 | 22.01 | 39.67 | 9.58 | 5.91 | 3.33 | 4.93 | 12.10 | 10.42 | 9.29 |
Quick Ratio |
2.00 | 1.66 | 1.89 | 1.86 | 2.11 | 2.31 | 3.18 | 2.41 | 1.94 | 2.23 |
Current Ratio |
2.00 | 1.66 | 1.89 | 1.86 | 2.11 | 2.31 | 3.18 | 2.41 | 1.94 | 2.23 |
Net Debt/EBITDA |
0.99 | 0.83 | 0.95 | 0.48 | 0.00 | (0.92) | (0.94) | (0.47) | (0.20) | (0.36) |
Debt/Assets |
19.88% | 16.33% | 16.47% | 16.33% | 17.19% | 5.14% | 6.95% | 7.87% | 7.78% | 7.96% |
Debt/Equity |
0.39 | 0.32 | 0.32 | 0.33 | 0.37 | 0.10 | 0.15 | 0.16 | 0.16 | 0.16 |
Asset Turnover |
0.98 | 0.92 | 0.83 | 1.11 | 1.38 | 1.28 | 1.31 | 1.37 | 1.42 | 1.51 |
Operating CF/Net income |
1.78 | 1.85 | 2.73 | 1.18 | 1.21 | 1.78 | 2.12 | 1.77 | 2.22 | 2.22 |
Capex/Depreciation |
(1.23) | (0.67) | (0.60) | (0.81) | (0.73) | (0.63) | (0.57) | (0.34) | (0.49) | (0.47) |
Interest Coverage |
13.09 | 10.78 | 8.15 | 19.22 | 112.35 | 128.18 | 47.39 | 38.17 | 50.62 | 59.52 |
| 7.55% | 5.26% | 2.21% | 12.18% | 28.02% | 17.54% | 10.97% | 7.00% | 7.33% | 8.63% | |
| 3.86% | 2.70% | 1.12% | 5.85% | 13.49% | 8.67% | 5.30% | 3.42% | 3.54% | 4.17% | |
ROIC |
8.47% | 8.18% | 6.32% | 14.09% | 27.34% | 30.85% | 24.09% | 15.52% | 17.15% | 19.99% |
Return on Tangible Assets |
33.85% | 31.86% | 12.15% | 64.64% | 82.79% | 44.64% | 24.09% | 22.10% | 27.36% | 26.12% |
Average Days of Receivables |
23.74 | 20.63 | 20.20 | 14.00 | 13.18 | 14.01 | 13.55 | 13.67 | 14.65 | 13.06 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.49 | 0.46 | 0.47 | 0.46 | 0.41 | 0.24 | 0.16 | 0.19 | 0.17 | 0.17 |
Share Based Compensation of Revenue |
0.59% | 0.54% | 0.48% | 0.40% | 0.36% | 0.25% | 0.11% | 0.25% | 0.27% | 0.15% |
Graham Net Nets |
(0.55) | (0.52) | (0.61) | (0.85) | (0.43) | (0.37) | (0.45) | (0.44) | (0.50) | (0.41) |
Graham Number |
73.11 | 54.66 | 35.52 | 82.27 | 113.64 | 74.80 | 48.69 | 36.14 | 36.63 | 33.91 |
Earnings Yield |
5.75% | 3.85% | 1.91% | 13.61% | 14.91% | 12.59% | 8.09% | 4.86% | 4.82% | 4.06% |
Free Cash Flow Yield |
6.71% | 5.10% | 2.86% | 12.19% | 16.89% | 21.77% | 15.64% | 7.55% | 9.20% | 9.97% |
Revenue per Share |
104.09 | 90.14 | 82.71 | 113.45 | 123.25 | 92.30 | 82.17 | 81.03 | 83.42 | 85.89 |
Operating CF per Share |
7.33 | 4.91 | 3.04 | 7.09 | 14.55 | 11.12 | 7.05 | 3.58 | 4.61 | 5.26 |
Capex per Share |
(2.62) | (1.46) | (1.38) | (1.77) | (1.09) | (0.60) | (0.67) | (0.45) | (0.68) | (0.75) |
Free Cash Flow per Share |
4.71 | 3.44 | 1.66 | 5.32 | 13.47 | 10.53 | 6.38 | 3.13 | 3.93 | 4.52 |
Cash per Share |
11.46 | 7.83 | 8.55 | 9.18 | 18.12 | 17.45 | 14.00 | 8.16 | 6.40 | 7.95 |
Shareholders Equity per Share |
58.80 | 51.07 | 50.51 | 50.65 | 48.27 | 40.83 | 31.92 | 28.88 | 28.95 | 27.77 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
58.80 | 51.07 | 50.51 | 50.65 | 48.27 | 40.83 | 31.92 | 28.88 | 28.95 | 27.77 |
Free Cash Flow |
132.28 | 95.14 | 45.25 | 143.91 | 361.17 | 261.04 | 150.63 | 73.58 | 92.17 | 105.50 |
Working Capital |
255.99 | 142.48 | 168.22 | 169.55 | 317.93 | 295.32 | 275.83 | 154.25 | 110.86 | 141.91 |
Capital Expenditures |
(73.41) | (40.47) | (37.79) | (47.95) | (29.12) | (14.76) | (15.73) | (10.59) | (15.89) | (17.46) |
Net Current Asset Value |
(1,090.57) | (961.99) | (966.04) | (1,001.52) | (913.37) | (445.67) | (436.41) | (429.56) | (498.48) | (435.33) |
EV/EBIT |
8.58 | 9.76 | 11.16 | 3.90 | 3.78 | 2.58 | 3.61 | 6.02 | 5.49 | 5.38 |
Capex to Sales |
0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
7.37 | 8.69 | 9.84 | 3.34 | 3.78 | 3.56 | 4.68 | 6.59 | 5.72 | 5.81 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.70 | 0.69 | 0.76 | 0.73 | 0.55 | 0.45 | 0.54 | 0.51 | 0.49 | 0.53 |
Cash ROIC |
5.05% | 4.59% | 2.20% | 6.97% | 15.95% | 16.88% | 12.61% | 7.51% | 9.82% | 11.21% |
Accounts Receivable Turnover |
17.66 | 18.75 | 18.61 | 25.89 | 31.92 | 28.64 | 27.05 | 25.44 | 26.03 | 26.15 |
Accounts Payable Turnover |
4.45 | 4.27 | 4.21 | 4.99 | 5.07 | 5.37 | 6.77 | 7.29 | 7.17 | 7.07 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
89.14 | 90.57 | 85.27 | 59.37 | 80.65 | 87.02 | 57.90 | 48.23 | 51.34 | 51.10 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
165.41 | 132.83 | 121.31 | 118.53 | 103.58 | 79.91 | 71.73 | 74.99 | 75.15 | 76.72 |
Average Payables |
235.22 | 202.32 | 193.30 | 241.93 | 256.25 | 175.98 | 118.03 | 113.51 | 116.69 | 116.86 |
Average Assets |
2,991.48 | 2,716.50 | 2,720.37 | 2,775.62 | 2,395.97 | 1,785.68 | 1,482.86 | 1,389.41 | 1,373.81 | 1,331.66 |
Average Common Equity |
1,530.74 | 1,394.82 | 1,374.41 | 1,332.50 | 1,153.57 | 883.08 | 716.80 | 679.32 | 663.83 | 642.99 |
Columns are period end dates · fundamentals updated 2 Nov 2026