Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
STC 
Stewart Information Services Corp (STC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/19/2025: 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 $81.5
1 Year Target Price $81.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.46% | Avg. Invested days 37 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/19/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.16B USD | Price to earnings Ratio 19.9 | 1Y Target Price 81.5 |
Price to earnings Ratio 19.9 | 1Y Target Price 81.5 | ||
Volume (30-day avg) 1 | Beta 1.05 | 52 Weeks Range 55.59 - 78.04 | Updated Date 12/20/2025 |
52 Weeks Range 55.59 - 78.04 | Updated Date 12/20/2025 | ||
Dividends yield (FY) 2.77% | 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 19.9 | Forward PE - | Enterprise Value 2546776302 | Price to Sales(TTM) 0.77 |
Enterprise Value 2546776302 | Price to Sales(TTM) 0.77 | ||
Enterprise Value to Revenue 0.91 | Enterprise Value to EBITDA - | Shares Outstanding 30209203 | Shares Floating 27497628 |
Shares Outstanding 30209203 | Shares Floating 27497628 | ||
Percent Insiders 1.6 | Percent Institutions 94.02 |
Upturn AI SWOT
Stewart Information Services Corp
Company Overview
History and Background
Stewart Information Services Corp. (NYSE: STC) was founded in 1896 as Stewart Title Guaranty Company in Galveston, Texas. It has grown to become a leading provider of title insurance and integrated title services. Over its history, Stewart has expanded its operations significantly through organic growth and strategic acquisitions, evolving into a comprehensive real estate services company. Key milestones include its expansion into international markets and its ongoing commitment to technological innovation in the title and escrow industry.
Core Business Areas
- Title Insurance and Related Services: This segment provides title insurance policies and related services for real estate transactions, including residential and commercial properties. It covers policy underwriting, issuance, and claims processing.
- Information and Technology Services: This segment offers a suite of technology solutions and data analytics services to real estate professionals, lenders, and title agents. This includes property data, workflow solutions, and digital closing tools.
- Escrow and Settlement Services: This segment facilitates the closing of real estate transactions by holding funds and documents in escrow and managing the settlement process.
Leadership and Structure
Stewart Information Services Corp. is led by a dedicated executive team, with Harold A. Richards serving as the current Chairman of the Board and President and CEO. The company operates through its various subsidiaries and divisions, with a decentralized structure allowing for regional and specialized service delivery.
Top Products and Market Share
Key Offerings
- Title Insurance: Stewart offers a comprehensive range of title insurance policies for both residential and commercial real estate transactions. These policies protect property owners and mortgage lenders against title defects. Market share for title insurance is highly fragmented, with Stewart being one of the major national players. Competitors include Fidelity National Financial (FNF), First American Financial Corporation (FAF), and Old Republic International (ORI).
- Stewart Title Services: This encompasses a broad spectrum of services including escrow, closing, and settlement services, which are crucial for the smooth completion of real estate transactions. These services are often bundled with title insurance. Competitors are numerous, including national underwriters and independent escrow companies.
- Stewart X-Seriesu00ae and PropStreamu00ae: Stewart provides technology solutions, including digital closing platforms, property data analytics (PropStream), and workflow automation tools aimed at improving efficiency and customer experience in real estate transactions. These are part of its growing information and technology services segment. Competitors in this space include tech-focused companies and other industry players developing similar platforms.
Market Dynamics
Industry Overview
Stewart operates within the real estate services industry, primarily focusing on title insurance, escrow, and settlement services. This industry is intrinsically linked to the health of the U.S. housing market, mortgage origination volumes, and real estate transaction activity. The industry is characterized by established players, a significant regulatory environment, and increasing adoption of technology for efficiency and customer engagement.
Positioning
Stewart is one of the largest title insurance underwriters in the United States. Its competitive advantages lie in its strong brand reputation, extensive network of agents and direct operations, and a growing portfolio of technology solutions designed to streamline real estate transactions. The company aims to differentiate itself through customer service and innovation.
Total Addressable Market (TAM)
The TAM for the title insurance and real estate services market is substantial, driven by the annual volume of home sales and mortgage refinances. While specific TAM figures vary, it is generally estimated to be in the tens of billions of dollars annually. Stewart is well-positioned within this TAM as a leading national provider, though it competes with other major players for market share in specific geographies and service offerings.
Upturn SWOT Analysis
Strengths
- Established brand reputation and long history in the industry.
- Extensive network of agents and direct operations across the U.S.
- Diversified revenue streams beyond traditional title insurance.
- Commitment to technological innovation and digital solutions.
- Strong financial management and operational efficiency.
Weaknesses
- Dependence on the cyclical nature of the real estate market.
- Intense competition from larger and smaller players.
- Potential for regulatory changes impacting the industry.
- Integration challenges with acquired entities.
Opportunities
- Expansion of technology-driven services (e.g., digital closings, data analytics).
- Growth in emerging real estate markets and segments.
- Strategic acquisitions to expand market reach or service offerings.
- Leveraging data analytics for enhanced underwriting and risk management.
- Increased demand for title services in commercial real estate.
Threats
- Downturns in the housing market and mortgage origination volumes.
- Increased regulatory scrutiny and compliance costs.
- Cybersecurity threats and data breaches.
- Disruption from new technologies or business models.
- Intensifying price competition.
Competitors and Market Share
Key Competitors
- Fidelity National Financial (FNF)
- First American Financial Corporation (FAF)
- Old Republic International (ORI)
Competitive Landscape
Stewart holds a significant position in the title insurance market, but faces intense competition from larger players like FNF and FAF, which often have broader geographic reach and larger agent networks. Stewart's competitive advantages include its strong regional presence, focus on customer service, and growing suite of technology solutions. Its ability to integrate technology and maintain underwriting profitability is key to its competitive edge.
Major Acquisitions
Pro Teck Valuation Services
- Year: 2014
- Acquisition Price (USD millions):
- Strategic Rationale: To enhance Stewart's appraisal management and valuation services, complementing its core title and escrow offerings and expanding its technology-enabled services.
TitleDesk, Inc.
- Year: 2015
- Acquisition Price (USD millions):
- Strategic Rationale: To strengthen its technology capabilities and expand its workflow automation solutions for title agents and underwriters.
States Title Holding Company (now Better)
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: Initial investment and partnership to drive innovation in digital title and closing services, though this partnership evolved.
Growth Trajectory and Initiatives
Historical Growth: Stewart has demonstrated consistent growth over the years, fueled by expansion into new markets, strategic acquisitions, and the development of its technology offerings. The company has successfully navigated various economic cycles, adapting its business model to changing market demands.
Future Projections: Future growth is projected to be driven by the continued recovery and stability of the housing market, increased adoption of digital closing solutions, and potential expansion into related real estate service areas. Analyst estimates typically forecast moderate revenue and earnings growth, with a focus on maintaining underwriting profitability and expanding fee-based services.
Recent Initiatives: Recent initiatives include investments in technology platforms to enhance digital closings and data analytics, strategic partnerships to broaden service offerings, and targeted acquisitions to strengthen market position in key regions. The company is actively pursuing diversification of its revenue sources.
Summary
Stewart Information Services Corp. is a well-established leader in the title insurance and real estate services sector, benefiting from a strong brand and extensive network. Its strategic focus on technology integration and diversification is a key strength, positioning it to capitalize on digital transformation in real estate. However, the company remains susceptible to real estate market volatility and faces robust competition from larger industry players, necessitating continued innovation and operational efficiency to maintain its market standing.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Stewart Information Services Corp. Investor Relations (Annual Reports, SEC Filings)
- Industry analysis reports from financial research firms
- Financial news and market data providers
Disclaimers:
This JSON output is for informational purposes only and does not constitute investment advice. Financial data and market share figures are estimates and may vary. Investors should conduct their own due diligence before making any investment decisions. The AI-based rating is a proprietary algorithm and should not be the sole basis for 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 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.