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Upturn AI SWOT - About
STC 
Stewart Information Services Corp (STC)
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Upturn Advisory Summary
06/30/2025: STC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $75
1 Year Target Price $75
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.08% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.82B USD | Price to earnings Ratio 25 | 1Y Target Price 75 |
Price to earnings Ratio 25 | 1Y Target Price 75 | ||
Volume (30-day avg) 1 | Beta 1 | 52 Weeks Range 57.74 - 76.75 | Updated Date 06/30/2025 |
52 Weeks Range 57.74 - 76.75 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 2.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.88% | Operating Margin (TTM) 1.78% |
Management Effectiveness
Return on Assets (TTM) 3.09% | Return on Equity (TTM) 6.3% |
Valuation
Trailing PE 25 | Forward PE - | Enterprise Value 2233414763 | Price to Sales(TTM) 0.72 |
Enterprise Value 2233414763 | Price to Sales(TTM) 0.72 | ||
Enterprise Value to Revenue 0.88 | Enterprise Value to EBITDA - | Shares Outstanding 27919400 | Shares Floating 27333106 |
Shares Outstanding 27919400 | Shares Floating 27333106 | ||
Percent Insiders 1.75 | Percent Institutions 103.33 |
Analyst Ratings
Rating 1 | Target Price 75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Stewart Information Services Corp
Company Overview
History and Background
Stewart Information Services Corp was founded in 1893 in Galveston, Texas, as a land title insurance company. Over the years, it has expanded its services and geographic reach, becoming a significant player in the real estate services industry.
Core Business Areas
- Title Insurance and Related Services: Provides title insurance policies to protect homebuyers and lenders from losses related to title defects and related escrow and closing services.
- Real Estate Solutions: Offers a suite of technology and services to support the real estate transaction process, including appraisal management, search and valuation services, and other real estate-related solutions.
- Mortgage and Default Services: Provides title and closing services related to mortgage origination, servicing and default management.
Leadership and Structure
Stewart Information Services Corp is led by a board of directors and an executive management team. The organizational structure is departmentalized, with divisions focusing on different business lines.
Top Products and Market Share
Key Offerings
- Title Insurance: Provides title insurance policies. Market share is estimated at approximately 7-9%. Competitors include Fidelity National Financial (FNF), First American Financial (FAF), and Old Republic International (ORI).
- Closing and Settlement Services: Facilitates the closing process. Market share varies by region. Competitors include the title insurance companies mentioned above as well as numerous independent closing firms.
- Search and Valuation Services: Supplies property search and valuation reports. Market share varies. Competitors include CoreLogic (CLGX) and Black Knight (BKI).
Market Dynamics
Industry Overview
The real estate services industry is driven by factors such as housing market activity, interest rates, and economic conditions. The industry is moderately fragmented with both large and small players.
Positioning
Stewart Information Services Corp is positioned as a mid-sized player in the industry, competing with larger national firms and smaller regional players. Their competitive advantages include its longevity, its relationships with independent agents, and its investment in technology.
Total Addressable Market (TAM)
The total addressable market for title insurance and real estate services is estimated to be tens of billions of dollars annually. Stewart has about 7-9% of the market share.
Upturn SWOT Analysis
Strengths
- Established brand and reputation
- Strong relationships with independent agents
- Geographic diversification
- Investment in technology
Weaknesses
- Smaller market share compared to larger competitors
- Dependence on housing market cycles
- Lower margins in certain business segments
- Less diversified revenue streams compared to bigger players
Opportunities
- Expanding into new geographic markets
- Acquiring smaller competitors
- Developing new technology solutions
- Growing market share through strategic partnerships
Threats
- Economic downturns and housing market corrections
- Increased competition from larger players
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FNF
- FAF
- ORI
Competitive Landscape
Stewart has a smaller market share and less diversified revenue streams compared to its larger competitors. Its strengths lie in its agent relationships, geographic presence, and technology investments.
Major Acquisitions
Pro-Tech Valuation Services
- Year: 2016
- Acquisition Price (USD millions): 16
- Strategic Rationale: To expand the valuation services available and grow market share
Growth Trajectory and Initiatives
Historical Growth: Discuss Stewart Information Services Corp's growth trends over the past years, requires access to up-to-date financial reports.
Future Projections: Provide projections for Stewart Information Services Corp's future growth based on analyst estimates. Requires access to up-to-date analyst reports.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Stewart Information Services Corp, requires access to up-to-date news reports.
Summary
Stewart Information Services Corp is a mid-sized player in the title insurance and real estate services industry with a long history. While it faces stiff competition from larger companies, its agent relationships and tech investments provide a competitive edge. Economic downturns and regulatory changes pose threats, but strategic acquisitions and market expansions could drive future growth. Investors should analyze financial metrics and market conditions before investing in STC.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Publicly available information
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance may change. Investors should conduct their own research before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Stewart Information Services Corp
Exchange NYSE | Headquaters Houston, TX, United States | ||
IPO Launch date 1990-03-28 | CEO & Director Mr. Frederick Henry Eppinger Jr. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 6800 | Website https://www.stewart.com |
Full time employees 6800 | Website https://www.stewart.com | ||
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services in the United States and internationally. The company is involved in searching, examining, closing, and insuring the condition of the title to real property. It also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. In addition, the company provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation management services. It serves homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies and real estate attorneys, and home builders through direct operations, network of independent agencies, and other businesses. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.
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