STC
Financial ServicesStewart Information Services Corporation · Insurance - Property & Casualty · $2B
What is Stewart Information Services Corporation?
Stewart Information Services Corporation is one of the longest-standing title insurance and real estate transaction services companies in the United States. Headquartered in Houston, Texas, it serves a broad range of real estate market participants across multiple countries.
Stewart operates through two segments: Title, and Ancillary Services and Corporate. The Title segment handles searching, examining, closing, and insuring property titles, while also offering home insurance and tax-deferred exchange services. The Ancillary Services segment delivers appraisal management, online notarization, credit information, and valuation services to mortgage industry participants. Products reach customers through directly owned offices, independent agencies, and digital platforms.
Stewart Information Services was founded in 1893 and is headquartered in Houston, Texas.
- Title insurance and property title examination
- Appraisal management and valuation services
- Online notarization and digital closing platforms
- Home and personal insurance services
Is STC a Good Stock to Buy?
UQS Score rates STC as Good overall, reflecting a mixed but constructive fundamental profile.
The Growth pillar stands out as a relative bright spot, suggesting the business is expanding at a pace that compares favorably within its sector. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals — a meaningful consideration for value-oriented investors.
Both the Quality and Moat pillars are rated Weak, indicating that profitability consistency and competitive differentiation are areas where Stewart trails stronger peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does STC pay dividends?
Yes — Stewart Information Services Corporation pays a dividend.
Stewart Information Services pays a regular dividend, which is relatively uncommon among mid-cap financial services companies still investing in digital platform growth. The dividend reflects the company's long operating history and its ability to return capital to shareholders alongside ongoing reinvestment in its ancillary services business.
When does STC report earnings?
Stewart Information Services reports earnings on a quarterly cadence, typical for US-listed equities.
Results tend to reflect broader real estate transaction volumes, meaning revenue can fluctuate with mortgage market activity and housing turnover. The Ancillary Services segment adds some diversification to the earnings mix beyond pure title insurance cycles.
For the most recent quarter's results, see Stewart Information Services Corporation's investor relations page.
STC Price History
+30.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Stewart Information Services Corporation?
Based on Stewart Information Services Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
STC Long-term Outlook
Stewart's Good Growth rating suggests the business is on a constructive expansion path, even as the broader real estate market navigates interest rate headwinds. The Neutral Risk rating indicates the company is not facing acute balance sheet or operational stress. However, the Weak Quality and Moat ratings are reminders that margin durability and competitive positioning remain ongoing challenges in the title insurance industry.
Growth drivers
- Expansion of digital closing and online notarization capabilities
- Growth in ancillary mortgage services as lenders modernize workflows
- Potential recovery in residential real estate transaction volumes
Key risks
- Title insurance revenue is highly sensitive to housing market cycles
- Weak competitive moat leaves Stewart exposed to pricing pressure from larger peers
- Sustained elevated mortgage rates could suppress transaction volumes
STC vs Peers
Stewart operates in a competitive financial services landscape alongside specialty insurers and diversified carriers.
HCI focuses on homeowners insurance primarily in catastrophe-exposed markets, giving it a different risk and revenue profile than Stewart's title-centric model.
Skyward Specialty targets niche commercial insurance lines, operating with a more specialized underwriting focus compared to Stewart's real estate transaction services.
Kemper is a broader personal and commercial lines insurer, competing across auto and life segments that Stewart does not meaningfully address.
Frequently Asked Questions
What does Stewart Information Services do?
Stewart Information Services provides title insurance and real estate transaction services. Its two segments cover property title examination and closing, as well as ancillary services like appraisal management, online notarization, and credit information for mortgage industry participants. It operates in the US, Canada, the UK, and Australia.
Does STC pay dividends?
Yes, Stewart Information Services pays a regular dividend. The company has a long operating history and returns capital to shareholders while continuing to invest in its digital platform and ancillary services capabilities. Investors should verify the current dividend rate and schedule on the company's investor relations page.
When does STC report earnings?
Stewart Information Services reports earnings on a quarterly cadence, consistent with standard US-listed company practice. For the exact timing of the next earnings release, check the company's investor relations page or a financial calendar service.
Is STC a good stock to buy?
UQS Score rates STC as Good overall. The Valuation pillar is Attractive and Growth is rated Good, which may appeal to investors seeking reasonably priced exposure to real estate services. However, Weak Quality and Moat ratings highlight areas of concern. The full pillar breakdown is available to UQS Pro members.
Is STC overvalued?
Based on the UQS Valuation pillar, STC is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. This does not guarantee price appreciation, but it indicates the market is not pricing in an overly optimistic scenario for the business.
How does STC compare to its competitors?
Stewart competes in financial services alongside specialty insurers like HCI Group, Skyward Specialty, and Kemper Corporation. Unlike those peers, Stewart is focused specifically on title insurance and real estate transaction services, making its revenue closely tied to housing market activity rather than broader insurance lines.
What is STC's market cap bracket?
Stewart Information Services is classified as a mid-cap company. This places it in a range that typically offers more liquidity than small-cap peers while remaining smaller than the large national insurance conglomerates that dominate the broader financial services sector.
Who founded Stewart Information Services?
Stewart Information Services was founded in 1893, making it one of the oldest title insurance companies in the United States. Detailed founding history, including the individuals involved, is widely available through the company's official history and public records.
Is STC a long-term quality investment?
As a long-term quality indicator, STC's UQS profile presents a mixed picture. The Attractive Valuation and Good Growth ratings are constructive, but Weak Quality and Moat scores suggest the business lacks the durable competitive advantages typically associated with high-conviction long-term holdings. Pro members can view the complete analysis.
What sector does STC belong to?
Stewart Information Services belongs to the Financial Services sector, specifically within the title insurance and real estate transaction services industry. Its revenue is closely linked to residential and commercial real estate activity, mortgage origination volumes, and broader housing market conditions.
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Pro Analysis
STC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 54.5 | 41.7 | 35.0 | 72.4 | 46.9 | 91.9 | +0.1 |
| May 21, 2026 | 54.4 | 41.7 | 35.0 | 72.4 | 46.9 | 91.8 | +0.1 |
| May 15, 2026 | 54.3 | 41.9 | 35.0 | 71.5 | 46.9 | 91.7 | -0.1 |
| May 14, 2026 | 54.4 | 42.2 | 35.0 | 71.5 | 46.9 | 92.0 | +0.5 |
| May 12, 2026 | 53.9 | 41.7 | 35.0 | 69.5 | 46.9 | 92.0 | +0.3 |
| May 7, 2026 | 53.6 | 39.2 | 35.0 | 69.5 | 45.1 | 96.2 | 0.0 |
| May 3, 2026 | 53.6 | 39.2 | 35.0 | 69.5 | 45.1 | 96.1 | 0.0 |
| May 1, 2026 | 53.6 | 39.2 | 35.0 | 69.5 | 45.1 | 95.7 | -0.2 |
| Apr 26, 2026 | 53.8 | 39.2 | 35.0 | 70.6 | 45.1 | 95.7 | -0.1 |
| Apr 25, 2026 | 53.9 | 39.2 | 35.0 | 70.6 | 45.1 | 96.3 | +0.2 |
STC — Pillar Breakdown
Quality
— 41.8/100 (25%)Stewart Information Services Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 72.4/100 (20%)Stewart Information Services Corporation demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 46.9/100 (15%)Stewart Information Services Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.9/100 (15%)Stewart Information Services Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 35/100 (25%)Stewart Information Services Corporation possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for STC.
Score Composition
Financial Data
More Stock Analysis
How is the STC UQS Score Calculated?
The UQS (Unified Quality Score) for Stewart Information Services Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Stewart Information Services Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Stewart Information Services Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.