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what it is
Stewart sells title insurance and helps close real estate deals.
how it gets paid
Last year Stewart Info Svcs made n/a in revenue. Title insurance and agency was the main engine at $2.20B, or 79% of sales.
what just happened
Quarterly revenue hit $534M, and EPS reached $2.79, up 80% from a year ago.
At a glance
B+ balance sheet — decent shape, but not bulletproof
40/100 earnings predictability — expect surprises
22.4x trailing p/e — priced about right
3.2% dividend yield — cash in your pocket every quarter
4.0% return on capital — nothing to write home about
xvary composite: 63/100 — average
What they do
Stewart sells title insurance and helps close real estate deals.
Founded in 1893, Stewart still runs through 6,900 employees and a network of policy-issuing offices. Title insurance, a promise to cover ownership problems, sits inside every home sale. You do not switch that setup for fun. You switch when the lender, agent, and lawyer all restart the deal, and that is expensive.
How they make money
n/a
annual revenue
Title insurance and agency
$2.20B
+19.0%
Real estate transaction services
$0.25B
+29.0%
Home and personal insurance services
$0.15B
flat
Tax-deferred exchanges and search services
$0.20B
flat
The products that matter
underwrites title policies
Title Insurance
~$2.6B · 92% of revenue
this is the company. In a recent quarter, the segment drove a 19% revenue increase, or $106M. That tells you what matters most: when title volume shows up, STC looks better fast.
core engine
handles transaction closing
Real Estate Services
~$230M · 8% of revenue
this smaller segment grew 29% in Q4 2025, or $24.9M. Good news. The catch is scale: at roughly 8% of revenue, it helps, but it does not rescue the model if title weakens.
small but faster
Key numbers
$2.80B
annual revenue
That is the business size analysts are modeling. Against a $2B market cap, the market is not paying for blazing growth.
3.2%
dividend yield
You get paid 3.2% while you wait. That is income, not excitement.
22.4x
price to earnings
Price to earnings means price divided by profit. At 22.4 times, you are not buying this like a bargain bin financial stock.
4.0%
return on capital
Return on capital means profit made from the money tied up in the business. At 4.0%, the machine is working, but it is not sweating.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 60 / 100
- long-term debt $446M (19% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for STC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue hit $534M, and EPS reached $2.79, up 80% from a year ago.
Revenue came from the latest reported quarter. EPS rose to $2.79, and the title segment added $106M, or 19%, in operating revenues.
$534M
revenue
$2.79
eps
80.0%
eps growth
EPS
EPS hit $2.79, up 80% vs. prior year.
source: company earnings report, 2026
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What could go wrong
the main risk is simple and company-specific: housing activity slows while STC stays concentrated in title insurance. With 92% of revenue tied to title and operating margin at 4–6%, this model does not need a disaster to feel pressure.
high
housing transaction slowdown
title insurance generates 92% of revenue. Fewer home purchases and refinances mean fewer policies written. This is the core risk because it hits the main engine directly.
exposes roughly $2.6B of revenue
high
title-pricing and legal pressure
regulatory and legal action across the title insurance industry could change pricing, referral practices, or settlement economics. In a business already running at 4–6% operating margin, even modest pressure matters.
thin margins leave limited cushion
med
execution volatility
Q4 2025 EPS missed estimates by 18.25%. With earnings predictability at 40/100, you should expect occasional gaps between what the market expects and what the company delivers.
shows up first in quarterly surprises
med
cyber and compliance costs
real estate closings are paperwork-heavy and data-heavy. Added cybersecurity oversight beginning in 2026 raises compliance demands, and this is not a margin profile that shrugs off extra cost.
cost pressure on a 4–6% margin model
92% revenue concentration plus a 4–6% operating margin is the whole risk picture: STC can handle normal volatility, but not many things going wrong at once.
source: institutional data · regulatory filings · risk analysis
Pay attention to
margin
whether 4–6% operating margin holds
this is the pressure gauge. If costs rise or title pricing weakens, a thin-margin business gets thin fast.
calendar
Q1 2026 earnings report
expected on or around april 29, 2026. After an 18.25% EPS miss, you want to see cleaner execution next quarter.
housing
existing home sales data
monthly NAR reports matter here because 92% of revenue comes from title insurance. Housing volume is not background noise for STC — it is the story.
legal
DOJ and state litigation updates
watch for any ruling or settlement that changes title pricing or referral practices. In a 4–6% margin business, legal changes turn into earnings changes quickly.
Analyst rankings
earnings predictability
40 / 100
earnings can swing around more than you want. in human-speak, analysts do not trust this to print smooth quarters.
risk rank
2
this scores safer than about 80% of stocks. that's balance-sheet comfort, not immunity from the housing cycle.
price stability
60 / 100
the stock is steadier than the wild names, but it still moves with real estate sentiment. not a bunker stock, not chaos either.
source: institutional data
Institutional activity
institutional ownership data for STC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$71
current price
n/a
target midpoint · n/a from current
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