Saturday 17 October 2026 Export STC’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 24.5%, EPS grew 7.08%, free cash flow fell 12.4% and total debt rose 45.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

52.54 0.55 +1.06%

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Market cap: $1.6B
P/E: 11.5×
Fwd P/E: 12.3×
Dividend yield: 4.04%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13

Total sells 0.89

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	—	—	1	—	—	—	—
Sell	—	—	—	—	—	1	—	—	—	1	—	—

Insider Ownership 1.77%

Capital & Financial Ratios $m

Market Cap 1,590.00

Revenue 3,268.02

Net Income 149.93

Free Cash Flow 147.16

Net Debt 385.11

Current Ratio 1.81

Debt/Equity 0.39

P/E ratio 11.52

Fwd P/E 12.30

P/S ratio 0.49

P/B ratio 0.96

Past 5Y EPS Growth (8.22%)

This Y EPS Growth 6.29%

Next Y EPS Growth 24.95%

Next Y revenue growth 20.07%

Next 5Y EPS Growth 7.50%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 32.67%

10-year low 10-year high

P/S against its own 10 years 28.53%

10-year low 10-year high

P/B against its own 10 years 12.94%

10-year low 10-year high

Dividends

Payout Ratio 0.47

Annual Dividend Rate 2.13

Annual Dividend Yield 4.04%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	2.15	0.53 0.53 0.55
2025	2.05	0.50 0.50 0.53 0.53
2024	1.95	0.48 0.48 0.50 0.50
2023	1.85	0.45 0.45 0.48 0.48
2022	1.65	0.38 0.38 0.45 0.45
2021	1.37	0.33 0.33 0.33 0.38
2020	1.20	0.30 0.30 0.30 0.30
2019	1.20	0.30 0.30 0.30 0.30
2018	1.20	0.30 0.30 0.30 0.30
2017	1.20	0.30 0.30 0.30 0.30
2016	1.20	0.30 0.30 0.30 0.30

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	233	216	322	262
Receivables	125	141	190	228
Inventory	—	—	—	—
Other	—	—	—	—
	358	357	512	489

	2023	2024	2025	Q'26
Payables	190	215	256	270
ST’ Debt	—	—	—	—
Other	—	—	—	—
	190	215	256	270

Compound Annual Growth %

	10y	5y	3y
Sales	3.69%	5.01%	(1.63%)
Cash Flow	9.83%	(5.70%)	2.35%
Earnings	0.00%	(5.70%)	(10.71%)
Book Value	9.99%	10.27%	6.40%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	781	899	—	—	—
’25	612	722	797	791	2,922
’24	554	602	668	666	2,490
’23	524	549	602	582	2,257
’22	853	844	716	656	3,069
’21	689	819	837	962	3,306
’20	440	516	596	737	2,288

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(4)	60	—	—	—
’25	(30)	53	93	90	206
’24	(30)	21	76	68	136
’23	(51)	35	60	39	83
’22	35	83	49	25	192
’21	47	103	107	133	390
’20	(11)	61	91	135	276

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(21)	35	—	—	—
’25	(41)	40	74	59	132
’24	(40)	12	67	55	95
’23	(60)	29	46	31	45
’22	23	70	40	11	144
’21	42	103	97	120	361
’20	(16)	59	87	131	261

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.55	1.21	—	—	—
’25	0.11	1.13	1.55	1.25	4.05
’24	0.11	0.62	1.07	0.80	2.61
’23	(0.30)	0.58	0.51	0.32	1.11
’22	2.11	2.26	1.08	0.49	5.94
’21	2.01	3.50	3.26	3.12	11.90
’20	0.22	1.44	2.21	2.22	6.22

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	30.34	34.48	38.72	32.61	20.26	45.58	35.96	36.01	56.16	56.39	Analyst estimates 2026–2028 Powerpack
	High	48.60	48.03	47.37	44.99	52.07	80.99	81.00	59.91	78.44	78.61
People
People	Employees	6,350	5,960	5,400	5,300	5,800	7,300	7,100	6,800	7,000	7,800
	Revenue/emp, $m	0.32	0.33	0.35	0.37	0.39	0.45	0.43	0.33	0.36	0.37
Income, $m
Income, $m	Revenue	2,007	1,956	1,908	1,940	2,288	3,306	3,069	2,257	2,490	2,922
	Gross margin, %	58.84	57.20	56.65	58.80	58.73	60.66	60.63	63.96	65.27	64.14
	EBT	88	75	73	117	219	434	233	61	114	166
	EBT margin, %	4.39	3.84	3.80	6.03	9.55	13.13	7.58	2.70	4.59	5.67
	Net income	68	60	59	90	170	340	182	46	88	130
	Depreciation	37	33	31	27	23	40	59	63	61	60
Per share, $
Per share, $	Revenue	85.89	83.42	81.03	82.17	92.30	123.25	113.45	82.71	90.14	104.09
	Earnings	1.85	2.06	2.01	3.31	6.22	11.90	5.94	1.11	2.61	4.05
	Cash flow	5.26	4.61	3.58	7.05	11.12	14.55	7.09	3.04	4.91	7.33
	Capex	(0.75)	(0.68)	(0.45)	(0.67)	(0.60)	(1.09)	(1.77)	(1.38)	(1.46)	(2.62)
	Free cash flow	4.52	3.93	3.13	6.38	10.53	13.47	5.32	1.66	3.44	4.71
	Book value	27.77	28.95	28.88	31.92	40.83	48.27	50.65	50.51	51.07	58.80
	Shares, m	23	23	24	24	25	27	27	27	28	28
Valuation, ×
Valuation, ×	P/E	24.63	20.74	20.60	12.36	7.94	6.71	7.35	52.26	25.96	17.39
	P/S	0.53	0.51	0.51	0.50	0.52	0.65	0.38	0.70	0.75	0.68
	P/B	1.63	1.48	1.43	1.28	1.18	1.65	0.86	1.15	1.32	1.19
	EV/Sales	0.49	0.49	0.47	0.38	0.38	0.65	0.45	0.80	0.84	0.79
	EV/FCF	9.29	10.42	12.10	4.93	3.33	5.91	9.58	39.67	22.01	17.36
Cash, $m
Cash, $m	Operating cash flow	123	108	84	166	276	390	192	83	136	206
	Capex	(17)	(16)	(11)	(16)	(15)	(29)	(48)	(38)	(40)	(73)
	Free cash flow	105	92	74	151	261	361	144	45	95	132
Balance, $m
Balance, $m	Working capital	142	111	154	276	295	318	170	168	142	256
	Total debt	107	109	108	111	102	483	447	445	446	647
	Net debt	(79)	(41)	(84)	(220)	(331)	(2)	199	212	230	325
	Shareholders’ equity	649	679	680	754	1,012	1,295	1,370	1,379	1,411	1,650
Returns, %
Returns, %	ROA	4.17	3.54	3.42	5.30	8.67	13.49	5.85	1.12	2.70	3.86
	ROIC	19.99	17.15	15.52	24.09	30.85	27.34	14.09	6.32	8.18	8.47
	ROE	8.63	7.33	7.00	10.97	17.54	28.02	12.18	2.21	5.26	7.55

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PRCH Porch Group, Inc.	$2.0B	— (loss-making)	— (loss-making)	+11.74% (above 0%: growing)	n/m	+13.30% (above 0%: growing)	62.17%	(2.92%)	Compare
HMN Horace Mann Educators Corporation	$1.9B	10.7×	11.7×	+7.72% (above 0%: growing)	+43.66% (above 0%: growing)	+70.37% (above 0%: growing)	45.68%	13.21%	Compare
KMPR Kemper Corporation	$1.7B	— (loss-making)	14.6×	−10.84% (below 0%: shrinking)	n/m	−76.71% (below 0%: shrinking)	0.17%	(41.92%)	Compare
STC Stewart Information Services Corporation	$1.6B	11.5×	12.3×	+24.52% (above 0%: growing)	+7.08% (above 0%: growing)	−12.37% (below 0%: shrinking)	64.98%	9.41%
SAFT Safety Insurance Group, Inc.	$1.5B	22.4×	— (loss-making)	+2.95% (above 0%: growing)	+21.03% (above 0%: growing)	+16.88% (above 0%: growing)	14.33%	13.69%	Compare
UFCS United Fire Group, Inc	$1.4B	10.5×	10.8×	+14.38% (above 0%: growing)	+48.28% (above 0%: growing)	−34.70% (below 0%: shrinking)	33.66%	11.76%	Compare
UVE UNIVERSAL INSURANCE HOLDINGS INC	$1.3B	6.0×	8.1×	+6.72% (above 0%: growing)	+71.20% (above 0%: growing)	−4.81% (below 0%: shrinking)	26.79%	19.11%	Compare
ASIC Ategrity Specialty Insurance Company Holdings	$1.3B	12.3×	10.2×	+45.89% (above 0%: growing)	+75.00% (above 0%: growing)	+47.83% (above 0%: growing)	31.87%	31.28%	Compare
TRUP Trupanion, Inc.	$1.2B	52.1×	40.6×	+11.14% (above 0%: growing)	−27.27% (below 0%: shrinking)	+59.01% (above 0%: growing)	16.58%	1.62%	Compare
Median of peers	$1.5B	11.5×	11.3×	+9.43%	+45.97%	+15.09%	29.33%	12.48%

All 45 Insurance Property & Casualty stocks →