Stewart Information Services Co (STC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Stewart Information Services Co (STC) trades at $68.51 with AI Score 62/100 (Grade B+). Stewart Information Services Corporation provides title insurance and real estate transaction services. Market cap: $2.08B, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for STC: STC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates STC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
STC: 4/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Stewart Information Services Co (STC) Financial Services Profile
Stewart Information Services Corporation, founded in 1893, provides title insurance and real estate transaction services across the United States, Canada, the United Kingdom, and Australia. Operating through its Title and Ancillary Services segments, the company supports homebuyers, sellers, and real estate professionals with comprehensive solutions and a network of independent agencies.
What Is the Investment Thesis for STC?
Stewart Information Services Corporation presents a compelling investment case based on its established market position and growth opportunities within the real estate transaction services sector. With a market capitalization of $2.08B and a P/E ratio of 15.4, the company demonstrates financial stability. A key value driver is the company's ability to capitalize on the increasing demand for digital solutions in real estate transactions. The dividend yield of 2.98% provides an attractive income stream for investors. However, potential investors may want to evaluate the cyclical nature of the real estate market as a risk factor. The company's beta of 1.04 indicates market correlation.
Based on FMP financials and quantitative analysis
STC Key Highlights
- Market Cap of $2.08B indicates a strong market presence in the title insurance and real estate services sector.
- P/E ratio of 15.4 suggests a reasonable valuation compared to earnings.
- Gross Margin of 79.4% reflects efficient cost management and strong pricing power.
- Dividend Yield of 2.98% provides an attractive return for income-focused investors.
- Profit Margin of 4.2% demonstrates profitability, but indicates room for improvement compared to industry leaders.
Who Are STC's Competitors?
STC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PACS PACS Group, Inc. | $44.85 | +0.84% | $7.10B | 86 |
| AHL Aspen Insurance Holdings Ltd | $37.50 | +0.00% | $3.44B | 50 |
| BZLYF Beazley plc | $17.30 | +0.00% | $10.23B | 70 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| SKWD Skyward Specialty Insurance Group, Inc. | $59.63 | -2.91% | $2.42B | 64 |
| AII American Integrity Insurance Group, Inc. | $18.89 | -2.00% | $369.97M | 63 |
| PLMR Palomar Holdings, Inc. | $140.00 | +4.72% | $3.71B | 62 |
| SMPNY Sompo Holdings, Inc. | $20.99 | +3.76% | $80.16B | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are STC's Key Strengths?
- Established market position in the title insurance industry.
- Extensive network of offices and agencies.
- Strong brand reputation.
- Diversified service offerings.
What Are STC's Weaknesses?
- Exposure to cyclicality of the real estate market.
- Dependence on interest rates and housing market trends.
- Profit margin lower than some competitors.
- Limited international presence compared to some global players.
What Could Drive STC Stock Higher?
- Increasing adoption of digital solutions in real estate transactions.
- Strategic acquisitions to expand geographic reach and service offerings.
- Potential for interest rate cuts to stimulate the housing market.
- Expansion of ancillary services to generate additional revenue streams.
What Are the Key Risks for STC?
- Cyclicality of the real estate market.
- Rising interest rates could dampen housing market activity.
- Competition from other title insurance companies.
- Regulatory changes and compliance requirements.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for STC?
- Expansion of Digital Services: Stewart Information Services can capitalize on the increasing demand for digital solutions in real estate transactions. By expanding its digital customer engagement platform and online notarization services, the company can attract a broader customer base and improve operational efficiency. The market for digital mortgage solutions is projected to reach $10 billion by 2028, presenting a significant growth opportunity.
- Strategic Acquisitions: Stewart Information Services can pursue strategic acquisitions to expand its geographic footprint and service offerings. Acquiring smaller title agencies and technology companies can provide access to new markets and innovative solutions. The company has a history of successful acquisitions, and further expansion through this strategy can drive revenue growth and market share gains.
- Increased Focus on Ancillary Services: The Ancillary Services segment, which includes appraisal management and credit information services, offers significant growth potential. By expanding its offerings in these areas, Stewart Information Services can generate additional revenue streams and diversify its business. The market for appraisal management services is expected to grow at a rate of 6% annually.
- Geographic Expansion: Stewart Information Services can expand its operations in international markets, particularly in Canada, the United Kingdom, and Australia. These markets offer attractive growth opportunities due to their stable real estate markets and increasing demand for title insurance services. The company's existing presence in these countries provides a solid foundation for further expansion.
- Partnerships and Alliances: Stewart Information Services can form strategic partnerships and alliances with real estate technology companies and mortgage lenders to expand its reach and enhance its service offerings. Collaborating with these companies can provide access to new customers and innovative solutions. The company can also partner with real estate agents and brokers to offer bundled services and improve customer satisfaction.
What Opportunities Does STC Have?
- Expansion of digital services and technology solutions.
- Strategic acquisitions to expand geographic reach and service offerings.
- Increased focus on ancillary services.
- Growth in international markets.
What Threats Does STC Face?
- Competition from other title insurance companies.
- Regulatory changes and compliance requirements.
- Economic downturns and housing market declines.
- Cybersecurity risks and data breaches.
What Are STC's Competitive Advantages?
- Established brand reputation and long history in the title insurance industry.
- Extensive network of directly owned policy-issuing offices and independent agencies.
- Strong relationships with real estate professionals and mortgage lenders.
- Proprietary technology and digital solutions for real estate transactions.
What Does STC Do?
Stewart Information Services Corporation, established in 1893, has evolved into a leading provider of title insurance and real estate transaction services. Founded in Houston, Texas, the company initially focused on providing abstract services before expanding into title insurance. Over the years, Stewart Information Services has grown through strategic acquisitions and organic expansion, extending its reach across the United States, Canada, the United Kingdom, and Australia. The company operates through two primary segments: Title, and Ancillary Services and Corporate. The Title segment focuses on searching, examining, closing, and insuring the condition of real property titles. This segment also offers home and personal insurance services, services for tax-deferred exchanges, and digital customer engagement platform services. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. Stewart Information Services serves a diverse clientele, including homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, home builders, mortgage lenders, servicers, brokers, and investors. The company distributes its products and services through directly owned policy-issuing offices and a network of independent agencies.
What Products and Services Does STC Offer?
- Provides title insurance to protect homebuyers and lenders from property ownership disputes.
- Offers real estate transaction services, including closing and escrow services.
- Conducts title searches and examinations to ensure clear property titles.
- Provides appraisal management services to mortgage lenders.
- Offers online notarization and closing services.
- Provides credit and real estate information services.
- Offers services for tax-deferred exchanges.
How Does STC Make Money?
- Generates revenue from title insurance premiums.
- Earns fees from real estate transaction services, such as closing and escrow services.
- Receives fees for appraisal management and credit information services.
- Generates revenue from digital customer engagement platform services.
What Industry Does STC Operate In?
Stewart Information Services Corporation operates within the property and casualty insurance industry, which is closely tied to the real estate market. The industry is influenced by factors such as interest rates, housing market trends, and regulatory changes. The market is competitive, with key players like PACS Group, Inc. and Aspen Insurance Holdings Ltd vying for market share. The increasing adoption of digital technologies and the growing demand for efficient real estate transaction processes are shaping the industry landscape. Stewart Information Services is positioned to benefit from these trends through its investments in digital solutions and customer engagement platforms.
Who Are STC's Key Customers?
- Homebuyers and sellers
- Residential and commercial real estate professionals
- Title agencies
- Real estate attorneys and investors
- Home builders
- Mortgage lenders, servicers, brokers, and investors
Company Profile
Stewart Information Services Co operates in the Insurance - Property & Casualty industry within the Financial Services sector. It is headquartered in Houston, US. The company is led by CEO Frederick Henry Eppinger Jr.. STC has traded publicly since 1973.
How Stewart Information Services Co Is Valued
Stewart Information Services Co carries a market capitalization of $2.08B, placing it in the mid-cap category. Relative to its peer group, STC's quantitative score of 62/100 is roughly in line with the peer average of 67/100.
ROE 8%Key Financial Metrics
Return on equity for Stewart Information Services Co stands at 8.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.0%, showing how much profit it generates from its asset base. STC trades at a trailing price-to-earnings ratio of 15.37, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.94 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Stewart Information Services Co's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 2.42 places it in the grey zone, a middle ground that warrants monitoring.
FY2026 estForward Outlook
Wall Street analysts project Stewart Information Services Co revenue of about $3.45B for fiscal 2026, with EPS near $5.96.
Net buyingInsider Activity
Over the past six months, Stewart Information Services Co insiders filed 30 SEC Form 4 transactions — 11 sales and 19 purchases. On net that is roughly 19K shares acquired (about $833K) — insiders putting money in tends to read as conviction.
STC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, potentially signaling confidence in the company's future prospects.
- The community seems to be buzzing with positive sentiment around STC’s strategic partnerships, viewing them as growth catalysts.
- There's a strong belief that STC is undervalued compared to its peers, making it an attractive investment opportunity.
- The overall market perception of the real estate sector is improving, which could benefit STC's core business.
Bear Case
- Some insiders have recently reduced their holdings, which could indicate concerns about the company's near-term performance.
- A significant portion of the community expresses worry about increasing competition in the title insurance space.
- There are concerns that potential regulatory changes could negatively impact STC's profitability.
- The market is showing signs of uncertainty regarding the long-term sustainability of the current real estate boom, which could affect STC's revenues.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
STC Latest News
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Keefe, Bruyette & Woods Maintains Outperform on Stewart Information Servs, Lowers Price Target to $77
benzinga · Jun 25, 2026
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STC: Raising target price to $64.00
Argus Research · Jun 24, 2026
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SD Government announces Federal Aviation Administration STC approval for Gogo Galileo HDX installation on the Pilatus PC-12
globenewswire.com · Jun 16, 2026
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Why Stewart Information Services (STC) is a Great Dividend Stock Right Now
zacks.com · Jun 15, 2026
STC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for STC.
Price Targets
Wall Street price target analysis for STC.
STC MoonshotScore
What does this score mean?
The MoonshotScore rates STC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Keefe, Bruyette & Woods Maintains Outperform on Stewart Information Servs, Lowers Price Target to $77
STC: Raising target price to $64.00
SD Government announces Federal Aviation Administration STC approval for Gogo Galileo HDX installation on the Pilatus PC-12
Why Stewart Information Services (STC) is a Great Dividend Stock Right Now
Leadership: Frederick Henry Eppinger Jr.
CEO
Frederick Henry Eppinger Jr. serves as the Chief Executive Officer of Stewart Information Services Corporation. His career spans several decades in the financial services and insurance industries. Before joining Stewart, Eppinger held leadership positions at various companies, demonstrating expertise in strategic planning, operational management, and business development. His experience includes roles focused on driving growth, improving efficiency, and enhancing customer satisfaction. Eppinger's background equips him with a comprehensive understanding of the challenges and opportunities within the real estate transaction services sector.
Track Record: Under Frederick Henry Eppinger Jr.'s leadership, Stewart Information Services Corporation has focused on expanding its digital capabilities and enhancing its customer service offerings. Key achievements include strategic acquisitions aimed at strengthening the company's market position and investments in technology to improve operational efficiency. Eppinger has also overseen efforts to diversify the company's revenue streams and expand its presence in international markets.
STC Financial Services Stock FAQ
What does Stewart Information Services Corporation do?
Stewart Information Services Corporation provides title insurance and real estate transaction-related services. The company operates through two segments: Title, and Ancillary Services and Corporate. The Title segment focuses on searching, examining, closing, and insuring the condition of the title to real property. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. Stewart Information Services serves a diverse clientele, including homebuyers, sellers, real estate professionals, and mortgage lenders.
What do analysts say about STC stock?
Analyst consensus on Stewart Information Services Corporation (STC) reflects a neutral outlook, considering the company's established market position and growth opportunities. Key valuation metrics, such as the P/E ratio of 15.4, suggest a reasonable valuation compared to earnings. Growth considerations include the company's ability to capitalize on digital solutions and expand its ancillary services. However, analysts also note the cyclical nature of the real estate market as a potential risk factor. This is a neutral summary of analyst sentiment and does not constitute a recommendation to buy or sell.
What are the main risks for STC?
The main risks for Stewart Information Services Corporation (STC) include the cyclicality of the real estate market, which can impact revenue and profitability. Rising interest rates could dampen housing market activity, reducing demand for title insurance and related services. Competition from other title insurance companies poses a threat to market share. Regulatory changes and compliance requirements could increase operating costs. Cybersecurity risks and data breaches are also potential threats that could disrupt operations and damage the company's reputation.
What are the key factors to evaluate for STC?
Stewart Information Services Co (STC) holds an AI score of 62/100 (moderate). P/E: 15.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does STC data refresh on this page?
STC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven STC's recent stock price performance?
Stewart Information Services Co (STC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established market position in the title insurance industry. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider STC overvalued or undervalued right now?
Stewart Information Services Co (STC) trades at 15.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying STC?
Before investing in Stewart Information Services Co (STC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.