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Upturn AI Summary - About
Stewart Information Services Corp(STC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for STC
10/30/2026: STC (1-star) is currently NOT-A-BUY. Pass it for now.
Stewart Information Services Corp is a well-established, mid-sized national provider of title insurance and real estate settlement services. It competes in a cyclical industry, with its performance primarily tied to U.S. mortgage and real estate transaction volumes. The company's strengths lie in its long-standing brand and dual-channel distribution model, offering both direct and agency-based services. While its focus on technology and service expansion presents growth opportunities, the company faces significant risks from volatile interest rate environments and competitive pressure from digital-first platforms. It may best suit value and dividend-focused investors, who should monitor housing market data and the success of the company's digital integration initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature, cyclical player, limiting its potential for rapid growth compared to technology-disruptor firms. |
| Momentum investor | Mixed fit | Momentum potential is highly dependent on positive trends in the broader housing market or unexpected interest rate drops. |
| Value investor | Strong fit | The company often trades at multiples reflective of its established, albeit cyclical, position in the real estate services market. |
| Dividend investor | Strong fit | Stewart has a track record of consistent dividend payments that may appeal to income-focused investors. |
| Low-risk investor | Mixed fit | High sensitivity to interest rate cycles and real estate activity introduces volatility that may not suit the most conservative profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price reacts sharply to macroeconomic data affecting mortgage rates and housing starts. |
| Valuation risk | Medium | While generally stable, valuations can compress during prolonged housing market slowdowns. |
| Competition risk (Title Underwriting) | Medium | The market is concentrated, and Stewart must continuously compete with larger incumbents for independent agent relationships. |
| Business quality | Medium | The business provides an essential service with high barriers to entry due to regulatory licensing requirements. |
| Dividend income | Medium | Dividends are generally reliable but remain tied to the company's ability to maintain sufficient earnings through cyclical troughs. |
| Execution risk | Medium | Successfully integrating acquired agencies and new technology is critical to long-term margin improvement. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -21.28% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.36B USD | Price to earnings Ratio 11.12 | 1Y Target Price 69.75 |
Price to earnings Ratio 11.12 | 1Y Target Price 69.75 | ||
Volume (30-day avg) 637.2K shares | Beta 1.05 | 52 Weeks Range 42.66 - 76.16 | Updated Date 10/31/2026 |
52 Weeks Range 42.66 - 76.16 | Updated Date 10/31/2026 | ||
Dividends yield (FY) 1.15% | Basic EPS (TTM) 4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Title Insurance Premiums | Revenue generated from issuing title insurance policies for real estate transactions. | This is the company's primary income source, tied directly to the number and value of home sales. |
| Settlement & Closing Services | Fees charged for coordinating closing documentation, escrow services, and disbursement. | These fees provide a service-based revenue stream that often accompanies the insurance product. |
| Geographic Exposure | Operations primarily throughout the United States. | The company's performance is heavily influenced by the health of the U.S. residential and commercial property markets. |
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 2026-10-21 | When After Market | Estimate 1.51 | Actual 1.33 |
Profitability
Profit Margin 3.58% | Operating Margin (TTM) 5.9% |
Management Effectiveness
Return on Assets (TTM) 4.26% | Return on Equity (TTM) 8.57% |
Valuation
Trailing PE 11.12 | Forward PE 18.55 | Enterprise Value 2.02B | Price to Sales(TTM) 0.4 |
Enterprise Value 2.02B | Price to Sales(TTM) 0.4 | ||
Enterprise Value to Revenue 0.6 | Enterprise Value to EBITDA - | Shares Outstanding 30.53M | Shares Floating 29.86M |
Shares Outstanding 30.53M | Shares Floating 29.86M | ||
Percent Insiders 1.99 | Percent Institutions 104.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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