STCNYSETitle InsuranceFiscal year ends December 31
STEWART INFORMATION SERVICES CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$52.14−0.40 (-0.76%)
Close on Oct 19, 2026
- Market cap
- $1.61B
- P/E (TTM)
- 11.4
- Dividend yield
- 3.93%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
4.0%−2.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +17.3% | -1.6% | +5.0% | +3.7% | |
| Net income | +57.6% | -10.7% | -5.7% | – | |
| EPS, diluted | +55.2% | -12.0% | -8.2% | – | |
| Free cash flow | +39.0% | -2.8% | -12.7% | +8.1% | |
| Dividend per share | +5.1% | +7.5% | +11.3% | +9.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.7% | 17.7% | 7.6% | |
| Return on assets | 4.2% | 8.7% | 3.9% | |
| Capex to revenue | 0.9% | 0.7% | 2.5% | |
| Diluted shares | 23M | 25M | 29M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Stewart Information Services generated $1.01B from operations and spent $498.68M on capital expenditure, dividends and share buybacks. 48% of that went back into the business.
Generated
$1.01B
Used
$498.68M
Capital expenditure$239.42M48%Dividends$244.23M49%Share buybacks$15.03M3%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin4.0%
×Asset turnover0.98×
×Equity multiplier1.97×
=Return on equity, FY20257.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 4.0% | 0.98× | 1.97× | 7.6% |
| FY2024 | 2.9% | 0.92× | 1.96× | 5.3% |
| FY2023 | 1.3% | 0.83× | 1.99× | 2.2% |
| FY2022 | 5.3% | 1.11× | 2.10× | 12.3% |
| FY2021 | 9.8% | 1.38× | 2.10× | 28.3% |
| FY2020 | 6.8% | 1.28× | 2.04× | 17.7% |
| FY2019 | 4.1% | 1.31× | 2.09× | 11.1% |
| FY2018 | 2.5% | 1.37× | 2.06× | 7.1% |
| FY2017 | 2.5% | 1.42× | 2.09× | 7.4% |
| FY2016 | 2.8% | 1.51× | 2.10× | 8.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$115.54M
- Cash generatingOperating cash flow above zero$205.69M
- Return on assets improvedROA up on the prior year2.7% → 4.2%
- Earnings backed by cashOperating cash flow above net income$205.69M vs $115.54M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise28M → 29M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.92 → 1.07