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STC 
Stewart Information Services Corp (STC)
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Upturn Advisory Summary
12/09/2025: STC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $80
1 Year Target Price $80
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.17% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.05B USD | Price to earnings Ratio 20.32 | 1Y Target Price 80 |
Price to earnings Ratio 20.32 | 1Y Target Price 80 | ||
Volume (30-day avg) 1 | Beta 1.05 | 52 Weeks Range 55.99 - 78.61 | Updated Date 12/9/2025 |
52 Weeks Range 55.99 - 78.61 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 2.65% | Basic EPS (TTM) 3.6 |
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 3.65% | Operating Margin (TTM) 8.29% |
Management Effectiveness
Return on Assets (TTM) 3.78% | Return on Equity (TTM) 8.04% |
Valuation
Trailing PE 20.32 | Forward PE - | Enterprise Value 2520275204 | Price to Sales(TTM) 0.73 |
Enterprise Value 2520275204 | Price to Sales(TTM) 0.73 | ||
Enterprise Value to Revenue 0.9 | Enterprise Value to EBITDA - | Shares Outstanding 28024203 | Shares Floating 27443822 |
Shares Outstanding 28024203 | Shares Floating 27443822 | ||
Percent Insiders 1.72 | Percent Institutions 101.39 |
Upturn AI SWOT
Stewart Information Services Corp
Company Overview
History and Background
Stewart Information Services Corp. (NYSE: STC) was founded in 1893 in Galveston, Texas, by Maco Stewart. It began as a title insurance company and has since evolved into a global real estate information and transaction management company. Key milestones include its expansion into various real estate services, technological advancements in the industry, and strategic acquisitions to broaden its service offerings.
Core Business Areas
- Title Insurance and Related Services: Stewart provides title insurance and related services for residential and commercial real estate transactions. This includes title searches, examinations, closings, and escrow services.
- Information and Technology Services: Stewart offers a range of technology solutions and data analytics for the real estate industry. This includes property data, analytics platforms, and workflow solutions for title agents, lenders, and real estate professionals.
- Mortgage Services: Stewart provides a suite of services to the mortgage industry, including loan origination technology, appraisal management, title services, and fraud prevention tools.
Leadership and Structure
Stewart Information Services Corp. is led by a Board of Directors and a management team. Key executive positions include the Chief Executive Officer, Chief Financial Officer, and various divisional presidents responsible for different business segments. The company operates through its wholly owned subsidiaries, Stewart Title Guaranty Company and Stewart Title Insurance Company, among others.
Top Products and Market Share
Key Offerings
- Title Insurance: Stewart's primary offering is title insurance, which protects lenders and homeowners from financial loss due to defects in the title of a property. Competitors include First American Title Insurance Company, Fidelity National Title Insurance Company, and Old Republic Title Insurance Group. Market share data for specific products is proprietary but Stewart is a significant player in the title insurance market.
- Stewartu2019s Closing and Escrow Services: This service facilitates the transfer of property ownership by holding funds and documents until all conditions of the sale are met. This is a core service integrated with title insurance. Competitors include local escrow companies and other national title insurers.
- Stewartu2019s Real Estate Technology Solutions: Stewart offers various technology platforms for real estate professionals, including property data, analytics, and transaction management software. Competitors include companies like CoreLogic, Black Knight, and specialized proptech firms.
Market Dynamics
Industry Overview
The real estate information and transaction management industry is closely tied to the health of the housing market, interest rates, and overall economic conditions. The industry is characterized by a need for technological innovation to streamline processes, enhance data security, and improve customer experience.
Positioning
Stewart Information Services Corp. is a well-established player in the title insurance and real estate services market. Its competitive advantages include its extensive network of agents and underwriters, a strong brand reputation, and its ongoing investment in technology to improve operational efficiency and service delivery.
Total Addressable Market (TAM)
The total addressable market for title insurance and real estate services is substantial, driven by real estate transactions. While specific TAM figures fluctuate with market conditions, it is in the tens of billions of dollars annually in the US. Stewart is positioned as one of the top national title insurers within this TAM, competing for a significant portion of transaction volume.
Upturn SWOT Analysis
Strengths
- Established brand reputation and long history in the industry.
- Extensive network of agents and direct operations.
- Diversified service offerings beyond traditional title insurance.
- Focus on technology and innovation to improve efficiency.
- Strong financial performance and balance sheet.
Weaknesses
- Dependence on the cyclical real estate market.
- Intense competition from larger and smaller players.
- Potential challenges in fully integrating acquisitions.
- Customer acquisition costs in a competitive landscape.
Opportunities
- Growth in the digital mortgage and proptech sectors.
- Expansion into international markets.
- Leveraging data analytics for new product development.
- Increasing demand for title and settlement services in emerging real estate trends (e.g., build-to-rent).
- Strategic acquisitions to enhance service offerings or market reach.
Threats
- Economic downturns impacting real estate transaction volume.
- Rising interest rates affecting housing affordability and demand.
- Cybersecurity threats and data breaches.
- Regulatory changes impacting the title and real estate industries.
- Increased competition from non-traditional players.
Competitors and Market Share
Key Competitors
- First American Financial Corporation (FAF)
- Fidelity National Financial, Inc. (FNF)
- Old Republic International Corporation (ORI)
Competitive Landscape
Stewart competes in a mature and consolidated industry. Its primary advantage lies in its established network and commitment to technology. However, it faces strong competition from larger, more diversified players like FNF and FAF, which often have greater resources for marketing and acquisition. Stewart differentiates itself through specialized services and a focus on customer-centric solutions.
Major Acquisitions
TitleVest
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to enhance Stewart's direct title operations in the New York metropolitan area, expanding its market presence and service capabilities in a key region.
Pro tec
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition aimed at strengthening Stewart's technology and data solutions, particularly for lenders and servicers.
Growth Trajectory and Initiatives
Historical Growth: Stewart has historically grown through organic expansion and strategic acquisitions. Its growth has been closely tied to the real estate transaction cycles. The company has demonstrated resilience and ability to adapt to market changes.
Future Projections: Future growth for Stewart is expected to be driven by continued innovation in technology, expansion of its service offerings, and potential strategic partnerships or acquisitions. Analyst estimates often reflect expectations for recovery in the real estate market and successful execution of the company's growth strategies.
Recent Initiatives: Stewart has been focused on digital transformation, enhancing its title and escrow services for a seamless customer experience, and expanding its data and analytics capabilities. Recent acquisitions have aimed at bolstering its technology and workflow solutions.
Summary
Stewart Information Services Corp. is a strong, established player in the title insurance and real estate services market, with a diversified business model and a focus on technology. Its solid financial footing and consistent dividend history are positives. However, its performance is significantly tied to the cyclical real estate market, and it faces intense competition from larger rivals. Continued investment in digital solutions and strategic acquisitions will be crucial for its sustained growth and market position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Stewart Information Services Corp. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investors should conduct their own due diligence before making investment decisions. Market share data and acquisition prices can be estimates and subject to change.
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 7100 | Website https://www.stewart.com |
Full time employees 7100 | 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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