Stewart Information Services Corporation

STC

Insurance - Property & Casualty · Financial Services

Price

$72.00

-0.23 (-0.32%)

Market Cap

$2.19B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+6.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 27.2M (2021) → 29.0M (2025)

Stewart Information Services is a title insurance company. It helps people buy and sell real estate by checking that a property's ownership history is clean and insuring against any legal problems that come up later. It serves homebuyers, mortgage lenders, real estate agents, and commercial property buyers across the United States and in select international markets.

Stewart makes money by charging a one-time premium when a real estate transaction closes, plus fees for related services like escrow and settlement. It is one of the four major title insurers in the U.S., competing against larger rivals like Fidelity National and First American. Its business is closely tied to the housing market, so rising mortgage rates that slow home sales are the biggest risk it faces — and any recovery in transaction volume would be the clearest path to stronger earnings.

Winston Score History

Politician Trades

2 trades / 12mo

0 Congressional buys and 2 sells on STC in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+27.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+400.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$271M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Stewart Information Services Corporation grew revenue 28% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

62.3%

Premium pricing power — 62.3% gross margin

Operating Margin

4.0%

Thin — 4.0% operating margin

ROCE

1.4%

Weak — 1.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+21.3%

Fast-growing sales (21.3% YoY)

EPS YoY

+70.6%

Earnings growing fast (70.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

159%

Turns 159% of profit into real cash

FCF Margin

4.3%

Thin free cash flow (4.3%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.39

Conservative — low debt load (0.39)

Interest Cover

8.26x

Comfortably covers interest (8.3x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

15.9x

Fair value — P/E 15.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+4.5

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (15.9 → 11.4)

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Dividends

Dividend Yield

3.09%

Moderate income — 3.09% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+5.0%

Dividend growing modestly (5.0% YoY)

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