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Company Analysis

Stewart Information Services Co STC

A comprehensive view of key metrics, scores, and financial health for Stewart Information Services Co

Overview of Stewart Information Services Corporation

STC NYQ
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Small Cap
Stewart Information Services Corporation (STC), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $45.73, about 22.0% undervalued vs fair value, -34.1% 1Y return, placing in the top 25% of its sector.
Metrics P/E 18.4× Rev Growth 17.3% ROE 7.6% Gross Margin 87.7% Div Yield 2.97%
USD 45.73
2.76%
(Delayed)
• Vol 90d: 45.2%
52-Week Range
Market Cap
$1.40B
Enterprise Value
$1.79B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.stewart.com
HQ Houston, TX
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$31
$56
$105
Current: $45.73 +22% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$2.9B
17.3%%
Claims & Losses
-$358.7M
346.1%%
Acquisition & Admin Expenses
$830.6M
Underwriting Result
$165.5M
44.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
12.3%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$62.4M
54.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Stewart Information Services Co's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Below-Peer Float Returns Float return signal is weak (score 0.32), indicating below-peer investment yields limiting overall profitability.
  • Below-Peer Return on Equity ROE signal is weak (score 0.14), with ROE at 7.6% trailing peers — raising capital efficiency concerns.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
61
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing STC's balance between Growth (34.2%), Profitability (20.2%), and Safety (45.6%). Growth 34% Safety 46% Profitability 20%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Rev Growth YoY 17.3% 70p Equity Growth YoY 17.0% 69p EPS Growth YoY 46.7% 67p Asset Growth YoY 19.1% 88p Revenue CAGR 3Y -1.6% 10p
Strengths
  • Equity/Assets in top 20% of peers (50.7%, 86th percentile)
  • Financial Leverage in top 20% of peers (1.97, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

32th percentile vs peers
33
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Stewart Information Services Co.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$55.81
- - -
+22.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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