Is STC a good stock to buy right now?

Based on our 6-factor quantitative model, STEWART INFORMATION SERVICES CORP (STC) receives a "Hold" rating with a composite score of 49.7/100. It is ranked #1,526 out of 4,446 stocks. Key factor scores: Quality 64/100, Value 72/100, Momentum 34/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for STC?

STEWART INFORMATION SERVICES CORP (STC) has a "Hold" rating and 3-star score. The composite score of 49.7 ranks it #1,526 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is STC in?

STEWART INFORMATION SERVICES CORP operates in the Financials sector (Insurance industry) with a market cap of $1.86 billion. It is classified as a small-cap stock.

Does STC pay a dividend?

Yes, STC pays a dividend with a current yield of 2.76%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $27.60 in annual dividend income.

What is STC's P/E ratio?

STC has a trailing P/E ratio of 15.43x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is STC?

STC's quality factor score is 64/100. Gross margin: 0.0%. ROE: 7.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is STC valued compared to peers?

STC's value factor score is 72/100 (higher = cheaper). Key multiples: P/E 15.4x, EV/EBITDA 8.7x. The stock appears attractively valued versus peers.

What is STC's debt level?

STC's debt-to-equity ratio is 97%. Sector average: 121%. Moderate leverage is normal for established companies.

STC has a beta of 0.59, meaning it is less volatile than the market. Stability score: 75/100.

Does STC have high short interest?

STC's short interest factor score is 16/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

STC Stock Analysis: Top Small-Cap Hold (Score 49.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
STC	-1.00%	+6.69%

Metric	STC	Benchmark
P/E Ratio	15.4x	+4%
EV/EBITDA	8.7x	+167%
Price / Book	1.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
STC STEWART INFORMATION SERVICES CORP	50	64	72	34	15.4x	7.4%	0.0%	4.2%	32.3%	97.0x	$1.9B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%
Operating Margin %	0.1%	0.1%	0.0%	0.0%	0.1%	0.1%	1.0%	1.0%	1.0%	1.0%	1.0%
EBITDA Margin %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.0%	0.1%
Net Margin %	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%
FCF Margin %	-0.7%	-	-	-	-	-	-6.0%	0.7%	5.5%	1.4%	4.4%
ROE %	0.1%	0.1%	0.1%	0.0%	0.1%	0.3%	0.2%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.1%
ROIC %	6.5%	7.9%	4.9%	2.6%	10.1%	19.3%	157.5%	290.6%	144.8%	244.7%	165.9%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

-0.0%

Operating Margin %

0.1%

0.0%

0.1%

1.0%

EBITDA Margin %

0.1%

0.2%

0.1%

0.0%

0.1%

Net Margin %

0.0%

0.1%

0.0%

0.1%

FCF Margin %

-0.7%

-6.0%

0.7%

5.5%

1.4%

4.4%

ROE %

0.1%

0.0%

0.1%

0.3%

0.2%

0.1%

ROA %

0.0%

0.1%

0.0%

0.1%

ROIC %

6.5%

7.9%

4.9%

2.6%

10.1%

19.3%

157.5%

290.6%

144.8%

244.7%

165.9%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$2.8B	$2.9B	$2.5B	$2.3B	$3.1B	$3.3B	$1.3B	$1.9B	$1.1B	$2.0B	$1.2B	$1.2B
	—	—	—	—	—	—	-$3M	-$4M	-$4M	-$3M	-$3M	-$2M
Gross Margin	0.0%	---	---	---	---	---	-0.2%	-0.2%	-0.4%	-0.2%	-0.3%	-0.2%
	—	$61M	$62M	$62M	$57M	$36M	$23M	$27M	$31M	$33M	$30M	$37M
Total Operating Expenses	—	$2.8B	$2.4B	$2.2B	$2.8B	$2.9B	—	—	—	—	—	—
	$157M	$166M	$114M	$61M	$233M	$434M	$1.3B	$1.9B	$1.1B	$2.0B	$1.2B	$1.2B
EBIT	$157M	$166M	$114M	$61M	$233M	$434M	$1.3B	$1.9B	$1.1B	$2.0B	$1.2B	$1.2B
EBITDA	$218M	$227M	$176M	$123M	$290M	$470M	$242M	$144M	$104M	$94M	$125M	$47M
Operating Margin	5.4%	5.7%	4.6%	2.7%	7.6%	13.1%	100.2%	100.2%	100.4%	100.2%	100.3%	100.2%
EBITDA Margin	7.8%	7.8%	7.1%	5.5%	9.4%	14.2%	18.0%	7.5%	9.6%	4.8%	10.6%	3.8%
	—	—	—	$20M	$18M	$5M	$3M	$4M	$4M	$3M	$3M	$2M
	—	$166M	$114M	$61M	$233M	$434M	—	—	—	—	—	—
Income Tax Expense	—	$35M	$26M	$15M	$51M	$94M	$49M	$27M	$14M	$15M	$20M	$6M
	$123M	$130M	$88M	$46M	$182M	$340M	$170M	$90M	$59M	$60M	$68M	$4M
Net Margin	4.2%	4.5%	3.5%	2.0%	5.9%	10.3%	12.7%	7.9%	5.5%	3.1%	5.8%	0.3%
	$4.12	$4.12	$2.65	$1.12	$6.00	$12.05	$6.25	$3.33	$2.02	$2.08	$1.86	$-0.26
Diluted EPS	$4.12	$4.05	$2.61	$1.11	$5.94	$11.90	$6.25	$3.33	$2.02	$2.08	$1.86	$-0.26
Weighted Avg Basic	—	28M	28M	27M	27M	27M	—	—	—	—	—	—
Weighted Avg Diluted	—	29M	28M	28M	27M	27M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$2.8B

$2.9B

$2.5B

$2.3B

$3.1B

$3.3B

$1.3B

$1.9B

$1.1B

$2.0B

$1.2B

—

-$3M

-$4M

-$3M

-$2M

Gross Margin

0.0%

---

-0.2%

-0.4%

-0.2%

-0.3%

-0.2%

—

$61M

$62M

$57M

$36M

$23M

$27M

$31M

$33M

$30M

$37M

Total Operating Expenses

—

$2.8B

$2.4B

$2.2B

$2.8B

$2.9B

—

$157M

$166M

$114M

$61M

$233M

$434M

$1.3B

$1.9B

$1.1B

$2.0B

$1.2B

EBIT

$157M

$166M

$114M

$61M

$233M

$434M

$1.3B

$1.9B

$1.1B

$2.0B

$1.2B

EBITDA

$218M

$227M

$176M

$123M

$290M

$470M

$242M

$144M

$104M

$94M

$125M

$47M

Operating Margin

5.4%

5.7%

4.6%

2.7%

7.6%

13.1%

100.2%

100.4%

100.2%

100.3%

100.2%

EBITDA Margin

7.8%

7.1%

5.5%

9.4%

14.2%

18.0%

7.5%

9.6%

4.8%

10.6%

3.8%

—

$20M

$18M

$5M

$3M

$4M

$3M

$2M

—

$166M

$114M

$61M

$233M

$434M

—

Income Tax Expense

—

$35M

$26M

$15M

$51M

$94M

$49M

$27M

$14M

$15M

$20M

$6M

$123M

$130M

$88M

$46M

$182M

$340M

$170M

$90M

$59M

$60M

$68M

$4M

Net Margin

4.2%

4.5%

3.5%

2.0%

5.9%

10.3%

12.7%

7.9%

5.5%

3.1%

5.8%

0.3%

$4.12

$2.65

$1.12

$6.00

$12.05

$6.25

$3.33

$2.02

$2.08

$1.86

$-0.26

Diluted EPS

$4.12

$4.05

$2.61

$1.11

$5.94

$11.90

$6.25

$3.33

$2.02

$2.08

$1.86

$-0.26

Weighted Avg Basic

—

28M

27M

—

Weighted Avg Diluted

—

29M

28M

27M

—

STEWART INFORMATION SERVICES CORP (STC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does STEWART INFORMATION SERVICES CORP Do?

Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. The company operates in two segments, Title, and Ancillary Services and Corporate. The Title segment is involved in searching, examining, closing, and insuring the condition of the title to real property. 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. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders, as well as mortgage lenders, servicers, brokers, and investors. The company operates in the United States, Canada, the United Kingdom, and Australia. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas. STEWART INFORMATION SERVICES CORP (STC) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Frederick H. Eppinger and employs approximately 7,100 people, headquartered in HOUSTON, Texas. With a market capitalization of $1.9B, STC is one of the notable companies in the Financials sector.

STEWART INFORMATION SERVICES CORP (STC) Stock Rating — Hold (April 2026)

As of April 2026, STEWART INFORMATION SERVICES CORP receives a Hold rating with a composite score of 49.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.STC ranks #1,526 out of 4,446 stocks in our coverage universe. Within the Financials sector, STEWART INFORMATION SERVICES CORP ranks #460 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

STC Stock Price and 52-Week Range

STEWART INFORMATION SERVICES CORP (STC) currently trades at $65.25. The 52-week high for STC is $78.61, which means the stock is currently trading -17.0% from its annual peak. The 52-week low is $56.39, putting the stock 15.7% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is STC Overvalued or Undervalued? — Valuation Analysis

STEWART INFORMATION SERVICES CORP (STC) carries a value factor score of 72/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 15.43x, compared to the Financials sector average of 14.88x — a premium of 4%. The price-to-book ratio stands at 1.15x, versus the sector average of 1.22x. The price-to-sales ratio is 0.68x, compared to 0.90x for the average Financials stock. On an enterprise value basis, STC trades at 8.70x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, STEWART INFORMATION SERVICES CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

STEWART INFORMATION SERVICES CORP Profitability — ROE, Margins, and Quality Score

STEWART INFORMATION SERVICES CORP (STC) earns a quality factor score of 64/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 7.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 3.8% versus the sector average of 1.2%.

On a margin basis, STEWART INFORMATION SERVICES CORP reports gross margins of 0.0%. The operating margin is 5.4% (sector: 21.8%). Net profit margin stands at 4.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 32.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

STC Debt, Balance Sheet, and Financial Health

STEWART INFORMATION SERVICES CORP has a debt-to-equity ratio of 97.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 2.03x, indicating strong short-term liquidity. Total debt on the balance sheet is $446M. Cash and equivalents stand at $189M.

STC has a beta of 0.59, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for STEWART INFORMATION SERVICES CORP is 75/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

STEWART INFORMATION SERVICES CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, STEWART INFORMATION SERVICES CORP reported revenue of $2.80B and earnings per share (EPS) of $4.12. Net income for the quarter was $123M. Gross margin was 0.0%. Operating income came in at $157M.

In FY 2025, STEWART INFORMATION SERVICES CORP reported revenue of $2.92B and earnings per share (EPS) of $4.12. Net income for the quarter was $130M. Revenue grew 17.3% year-over-year compared to FY 2024. Operating income came in at $166M.

In Q3 2025, STEWART INFORMATION SERVICES CORP reported revenue of $797M and earnings per share (EPS) of $1.58. Net income for the quarter was $48M. Revenue grew 19.3% year-over-year compared to Q3 2024. Operating income came in at $61M.

In Q2 2025, STEWART INFORMATION SERVICES CORP reported revenue of $722M and earnings per share (EPS) of $1.14. Net income for the quarter was $36M. Revenue grew 19.9% year-over-year compared to Q2 2024. Operating income came in at $47M.

Over the past 8 quarters, STEWART INFORMATION SERVICES CORP has demonstrated a growth trajectory, with revenue expanding from $602M to $2.80B. Investors analyzing STC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

STC Dividend Yield and Income Analysis

STEWART INFORMATION SERVICES CORP (STC) currently pays a dividend yield of 2.8%. At this yield, a $10,000 investment in STC stock would generate approximately $$276.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning STC offers above-average income for its sector.

STC Momentum and Technical Analysis Profile

STEWART INFORMATION SERVICES CORP (STC) has a momentum factor score of 34/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 16/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

STC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, STEWART INFORMATION SERVICES CORP (STC) ranks #460 out of 891 stocks based on the Blank Capital composite score. This places STC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing STC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full STC vs S&P 500 (SPY) comparison to assess how STEWART INFORMATION SERVICES CORP stacks up against the broader market across all factor dimensions.

STC Next Earnings Date

No upcoming earnings date has been announced for STEWART INFORMATION SERVICES CORP (STC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy STC? — Investment Thesis Summary

STEWART INFORMATION SERVICES CORP presents a balanced picture with arguments on both sides. The quality score of 64/100 indicates above-average profitability and business fundamentals. The value score of 72/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 34/100, a headwind for near-term performance. Low volatility (stability score 75/100) reduces downside risk.

In summary, STEWART INFORMATION SERVICES CORP (STC) earns a Hold rating with a composite score of 49.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on STC stock.

Related Resources for STC Investors

Explore more research and tools: STC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare STC head-to-head with peers: STC vs WTM, STC vs OPY, STC vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

A Look At Stewart Information Services (STC) Valuation After Recent Share Price Moves

Stewart Information Services: Q1 Earnings Will Say A Lot About It And The Home-Buying Market

First American Financial Links AI Recognition To Governance And Dividend Story

Stewart Valuation Intelligence Acquires Nationwide Appraisal Network

Winners And Losers Of Q4: Stewart Information Services (NYSE:STC) Vs The Rest Of The Property & Casualty Insurance Stocks

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

STEWART INFORMATION SERVICES CORP (STC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does STEWART INFORMATION SERVICES CORP Do?

STEWART INFORMATION SERVICES CORP (STC) Stock Rating — Hold (April 2026)

STC Stock Price and 52-Week Range

Is STC Overvalued or Undervalued? — Valuation Analysis

STEWART INFORMATION SERVICES CORP Profitability — ROE, Margins, and Quality Score

STC Debt, Balance Sheet, and Financial Health

STEWART INFORMATION SERVICES CORP Revenue and Earnings History — Quarterly Trend

STC Dividend Yield and Income Analysis

STC Momentum and Technical Analysis Profile

STC vs Competitors — Financials Sector Ranking and Peer Comparison

STC Next Earnings Date

Should You Buy STC? — Investment Thesis Summary

Related Resources for STC Investors

Comments

Institutional Benchmarks

Get alerted on rating changes

Intelligence Feed

A Look At Stewart Information Services (STC) Valuation After Recent Share Price Moves

Stewart Information Services: Q1 Earnings Will Say A Lot About It And The Home-Buying Market

First American Financial Links AI Recognition To Governance And Dividend Story

Stewart Valuation Intelligence Acquires Nationwide Appraisal Network

Winners And Losers Of Q4: Stewart Information Services (NYSE:STC) Vs The Rest Of The Property & Casualty Insurance Stocks