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Upturn AI SWOT - About
STC 
Stewart Information Services Corp (STC)
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Upturn Advisory Summary
08/28/2025: 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 $73
1 Year Target Price $73
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.17% | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.04B USD | Price to earnings Ratio 23.3 | 1Y Target Price 73 |
Price to earnings Ratio 23.3 | 1Y Target Price 73 | ||
Volume (30-day avg) 1 | Beta 0.93 | 52 Weeks Range 56.39 - 76.75 | Updated Date 08/29/2025 |
52 Weeks Range 56.39 - 76.75 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.73% | Basic EPS (TTM) 3.12 |
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 3.29% | Operating Margin (TTM) 7.32% |
Management Effectiveness
Return on Assets (TTM) 3.49% | Return on Equity (TTM) 7.24% |
Valuation
Trailing PE 23.3 | Forward PE - | Enterprise Value 2432898636 | Price to Sales(TTM) 0.76 |
Enterprise Value 2432898636 | Price to Sales(TTM) 0.76 | ||
Enterprise Value to Revenue 0.91 | Enterprise Value to EBITDA - | Shares Outstanding 27998500 | Shares Floating 27419234 |
Shares Outstanding 27998500 | Shares Floating 27419234 | ||
Percent Insiders 1.72 | Percent Institutions 100.79 |
Upturn AI SWOT
Stewart Information Services Corp
Company Overview
History and Background
Stewart Information Services Corp. was founded in 1893 in Galveston, Texas, as Stewart Title Guaranty Company. It has evolved from a local abstract company to a global real estate services provider, expanding its offerings and geographic reach through strategic acquisitions and organic growth.
Core Business Areas
- Title Insurance: Provides title insurance policies to protect real estate owners and lenders against losses from defects in title, liens, and other encumbrances.
- Real Estate Solutions: Offers a suite of services including search and appraisal services, closing and settlement services, and other related solutions for real estate transactions.
- Mortgage Services: Delivers valuation, appraisal, title, and settlement services to the mortgage industry.
Leadership and Structure
Stewart Information Services Corp. is led by a board of directors and a senior management team. The organizational structure is departmentalized, with distinct units focusing on title insurance, real estate solutions, and corporate functions.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Offers title insurance policies for residential and commercial properties. Stewart has a significant market share in the title insurance industry. Competitors include First American Financial (FAF), Fidelity National Financial (FNF), and Old Republic International (ORI).
- Closing and Settlement Services: Provides services to facilitate real estate closings, including escrow services, document preparation, and recording. Competitors include title insurance companies and independent settlement service providers.
- Search and Appraisal Services: Offers title searches and property appraisal services to support real estate transactions. Competitors include CoreLogic, Black Knight, and numerous regional appraisal firms.
Market Dynamics
Industry Overview
The title insurance industry is highly competitive and influenced by factors such as interest rates, housing market activity, and regulatory changes. The industry is consolidated, with a few major players dominating the market.
Positioning
Stewart Information Services Corp. holds a strong position in the title insurance market, known for its customer service, technology solutions, and national network of agents. It differentiates itself through customized solutions and a focus on agent relationships.
Total Addressable Market (TAM)
The TAM for title insurance and related services is estimated to be in the tens of billions of dollars annually, dependent on real estate transaction volume. Stewart is well positioned to capture a portion of this market through its established presence and expanding service offerings.
Upturn SWOT Analysis
Strengths
- Established brand reputation
- Strong agency network
- Diversified service offerings
- Technological innovation
Weaknesses
- Exposure to cyclical housing market
- Dependence on interest rates
- Vulnerability to cyber security threats
- High operating expenses
Opportunities
- Expansion into new geographic markets
- Increased demand for digital real estate solutions
- Strategic acquisitions to enhance service offerings
- Growth in the commercial real estate sector
Threats
- Intense competition in the title insurance industry
- Regulatory changes impacting title insurance practices
- Economic downturns affecting real estate transactions
- Rising interest rates reducing refinancing activity
Competitors and Market Share
Key Competitors
- FNF
- FAF
- ORI
Competitive Landscape
Stewart faces intense competition from larger title insurance companies with greater market share. However, Stewart differentiates itself through its customer service, technology, and strong agent relationships.
Major Acquisitions
ET Investments, LLC
- Year: 2023
- Acquisition Price (USD millions): 165.8
- Strategic Rationale: Expanded Stewart's capabilities in the appraisal management space.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are influenced by real estate market conditions and strategic initiatives.
Future Projections: Future growth projections are based on analyst estimates and market forecasts, which are dependent on factors such as interest rates, housing demand, and economic growth.
Recent Initiatives: Recent strategic initiatives include technological upgrades, acquisitions of complementary businesses, and expansion into new markets.
Summary
Stewart Information Services Corp. is a significant player in the title insurance industry, but operates in a cyclical market. Its strengths include a strong brand and technology, while weaknesses involve market dependence. Opportunities lie in digital solutions, but economic downturns pose threats. Overall, they appear strong in some aspects but they need to watch out for threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are 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 6900 | Website https://www.stewart.com |
Full time employees 6900 | 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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