Provides title insurance to protect homebuyers and lenders from property ownership disputes. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
An average decline of 3% a year over the last 4 years — the most striking risk in this picture.
The market pays 17.4× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 89% of them.
Analysts' average target sits 31% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 17% below its peak. The market has trimmed its expectations for the company.
It pays out $2.10 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 3% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 30/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 33/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, STC sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: STC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.