InsiderClue
Stocks · Financials · Title Insurance

STEWART INFORMATION SERVICES CORP

STC Clue Score43
United States Fiscal year ends December CIK 0000094344
$50.70 -2.27% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $50.70 −24.07% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue2,006.6Net income55.5EPS, diluted1.85Fiscal year 2017Revenue1,934.6 −3.6%Net income48.7 −12.3%EPS, diluted2.06 +11.4%Fiscal year 2018Revenue1,887.9 −2.4%Net income47.5 −2.3%EPS, diluted2.01 −2.4%Fiscal year 2019Revenue1,877.5 −0.6%Net income78.6 +65.4%EPS, diluted3.31 +64.7%Fiscal year 2020Revenue2,271.5 +21.0%Net income154.9 +97.0%EPS, diluted6.22 +87.9%Fiscal year 2021Revenue3,264.6 +43.7%Net income323.2 +108.7%EPS, diluted11.90 +91.3%Fiscal year 2022Revenue3,048.4 −6.6%Net income162.3 −49.8%EPS, diluted5.94 −50.1%Fiscal year 2023Revenue2,212.2 −27.4%Net income30.4 −81.2%EPS, diluted1.11 −81.3%Fiscal year 2024Revenue2,490.4 +12.6%Net income73.3 +140.8%EPS, diluted2.61 +135.1%Fiscal year 2025Revenue2,921.6 +17.3%Net income115.5 +57.6%EPS, diluted4.05 +55.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2,006.6 1,934.6 1,887.9 1,877.5 2,271.5 3,264.6 3,048.4 2,212.2 2,490.4 2,921.6
Growth −3.6% −2.4% −0.6% +21.0% +43.7% −6.6% −27.4% +12.6% +17.3%
Net income 55.5 48.7 47.5 78.6 154.9 323.2 162.3 30.4 73.3 115.5
Growth −12.3% −2.3% +65.4% +97.0% +108.7% −49.8% −81.2% +140.8% +57.6%
EPS, diluted 1.85 2.06 2.01 3.31 6.22 11.90 5.94 1.11 2.61 4.05
Growth +11.4% −2.4% +64.7% +87.9% +91.3% −50.1% −81.3% +135.1% +55.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin2.8%Free cash flow margin5.2%Fiscal year 2017Net margin2.5%Free cash flow margin4.7%Fiscal year 2018Net margin2.5%Free cash flow margin3.9%Fiscal year 2019Net margin4.2%Free cash flow margin8.0%Fiscal year 2020Net margin6.8%Free cash flow margin11.5%Fiscal year 2021Net margin9.9%Free cash flow margin10.7%Fiscal year 2022Net margin5.3%Free cash flow margin4.7%Fiscal year 2023Net margin1.4%Free cash flow margin2.0%Fiscal year 2024Net margin2.9%Free cash flow margin3.8%Fiscal year 2025Net margin4.0%Free cash flow margin4.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 2.8% 2.5% 2.5% 4.2% 6.8% 9.9% 5.3% 1.4% 2.9% 4.0%
Free cash flow margin 5.2% 4.7% 3.9% 8.0% 11.5% 10.7% 4.7% 2.0% 3.8% 4.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow123.0Capital expenditure−18.2Free cash flow104.8Buybacks−1.1Dividends paid−27.8Fiscal year 2017Operating cash flow108.1Capital expenditure−16.4Free cash flow91.7 −12.5%Buybacks−0.7Dividends paid−28.1Fiscal year 2018Operating cash flow84.2Capital expenditure−10.7Free cash flow73.5 −19.8%Buybacks−1.2Dividends paid−28.3Fiscal year 2019Operating cash flow166.4Capital expenditure−17.1Free cash flow149.3 +103.1%Buybacks−0.5Dividends paid−28.3Fiscal year 2020Operating cash flow275.8Capital expenditure−15.0Free cash flow260.8 +74.7%Buybacks−1.1Dividends paid−30.2Fiscal year 2021Operating cash flow390.3Capital expenditure−39.8Free cash flow350.5 +34.4%Buybacks−2.3Dividends paid−36.6Fiscal year 2022Operating cash flow191.9Capital expenditure−47.9Free cash flow143.9 −58.9%Buybacks−3.3Dividends paid−44.7Fiscal year 2023Operating cash flow83.0Capital expenditure−37.8Free cash flow45.3 −68.6%Buybacks−1.8Dividends paid−50.5Fiscal year 2024Operating cash flow135.6Capital expenditure−40.5Free cash flow95.1 +110.3%Buybacks−3.8Dividends paid−53.9Fiscal year 2025Operating cash flow205.7Capital expenditure−73.4Free cash flow132.3 +39.0%Buybacks−3.9Dividends paid−58.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 123.0 108.1 84.2 166.4 275.8 390.3 191.9 83.0 135.6 205.7
Capital expenditure −18.2 −16.4 −10.7 −17.1 −15.0 −39.8 −47.9 −37.8 −40.5 −73.4
Free cash flow 104.8 91.7 73.5 149.3 260.8 350.5 143.9 45.3 95.1 132.3
Growth −12.5% −19.8% +103.1% +74.7% +34.4% −58.9% −68.6% +110.3% +39.0%
Buybacks −1.1 −0.7 −1.2 −0.5 −1.1 −2.3 −3.3 −1.8 −3.8 −3.9
Dividends paid −27.8 −28.1 −28.3 −28.3 −30.2 −36.6 −44.7 −50.5 −53.9 −58.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash185.8Shareholders’ equity641.2Fiscal year 2017Cash150.1Total debt109.3Net cash (debt)40.8Shareholders’ equity672.2Debt to equity0.16Fiscal year 2018Cash192.1Total debt108.0Net cash (debt)84.0Shareholders’ equity673.5Debt to equity0.16Fiscal year 2019Cash330.6Total debt110.6Net cash (debt)220.0Shareholders’ equity747.3Debt to equity0.15Fiscal year 2020Cash432.7Total debt101.8Net cash (debt)330.9Shareholders’ equity1,005.1Debt to equity0.10Fiscal year 2021Cash485.9Total debt483.5Net cash (debt)2.4Shareholders’ equity1,282.0Debt to equity0.38Fiscal year 2022Cash248.4Total debt447.0Net cash (debt)−198.6Shareholders’ equity1,362.2Debt to equity0.33Fiscal year 2023Cash233.4Total debt445.3Net cash (debt)−211.9Shareholders’ equity1,371.4Debt to equity0.32Fiscal year 2024Cash216.3Total debt445.8Net cash (debt)−229.5Shareholders’ equity1,402.1Debt to equity0.32Fiscal year 2025Cash321.8Shareholders’ equity1,641.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 185.8 150.1 192.1 330.6 432.7 485.9 248.4 233.4 216.3 321.8
Total debt n/a 109.3 108.0 110.6 101.8 483.5 447.0 445.3 445.8 n/a
Net cash (debt) n/a 40.8 84.0 220.0 330.9 2.4 −198.6 −211.9 −229.5 n/a
Shareholders’ equity 641.2 672.2 673.5 747.3 1,005.1 1,282.0 1,362.2 1,371.4 1,402.1 1,641.1
Debt to equity n/a 0.16 0.16 0.15 0.10 0.38 0.33 0.32 0.32 n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
2,006.6 1,934.6 1,887.9 1,877.5 2,271.5 3,264.6 3,048.4 2,212.2 2,490.4 2,921.6
Growth −3.6% −2.4% −0.6% +21.0% +43.7% −6.6% −27.4% +12.6% +17.3%
88.0 75.1 72.5 117.0 218.5 434.0 232.7 60.9 114.3 165.6
19.6 14.9 13.5 26.7 48.8 94.0 50.9 15.3 26.2 35.4
55.5 48.7 47.5 78.6 154.9 323.2 162.3 30.4 73.3 115.5
Growth −12.3% −2.3% +65.4% +97.0% +108.7% −49.8% −81.2% +140.8% +57.6%
Per share
1.86 2.08 2.02 3.33 6.25 12.05 6.00 1.12 2.65 4.12
1.85 2.06 2.01 3.31 6.22 11.90 5.94 1.11 2.61 4.05
Growth +11.4% −2.4% +64.7% +87.9% +91.3% −50.1% −81.3% +135.1% +55.2%
23.4 23.4 23.5 23.6 24.8 26.8 27.1 27.3 27.6 28.1
23.5 23.6 23.7 23.8 24.9 27.2 27.3 27.5 28.1 28.6
Growth +0.5% +0.4% +0.3% +4.9% +9.1% +0.7% +0.6% +2.2% +1.5%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 5.2% a year over five years, and earnings per share fell 8.2% a year.
  • The diluted share count rose 14.6% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.