Stewart Information Services (STC)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $1.6B, Stewart Information Services's free cash flow of $132M (fiscal 2025) would need to grow about -2% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from Stewart Information Services's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from STC's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Stewart Information Services's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $3.3B | $3.0B | $2.2B | $2.5B | $2.9B |
| Net income | $323M | $162M | $30M | $73M | $116M |
| Free cash flow | $350M | $144M | $45M | $95M | $132M |
| EPS (diluted) | $11.90 | $5.94 | $1.11 | $2.61 | $4.05 |
| Operating margin | 12.0% | 6.9% | 0.71% | 4.6% | 5.7% |
Where the revenue comes from
Revenue by segments, fiscal 2025. Every breakdown, year by year.
Superinvestors who own STC
From each investor's latest 13F filing (what a 13F shows). 4 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Will Nasgovitz Heartland Advisors |
Held | $8M | 0.37% | Q2 2026 |
| Jean-Marie Eveillard First Eagle Investment Management |
Trimmed | $8M | 0.01% | Q2 2026 |
| Cliff Asness AQR Capital Management |
Added | $2M | 0.00% | Q2 2026 |
| Mario Gabelli GAMCO Investors |
Trimmed | $200,041 | 0.00% | Q2 2026 |
Insider buying
Open-market purchases by Stewart Information Services's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Mar 10, 2026 | C Allen Bradley Jr |
1,000 | $65.34 | $65,340 |
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In the full deep dive
Questions
What growth does Stewart Information Services's stock price imply?
At a market value of $1.6B, Stewart Information Services would need its free cash flow to grow about -2% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 3% a year.
Are Stewart Information Services insiders buying the stock?
1 open-market insider purchase of STC in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Stewart Information Services?
4 of the superinvestors Investingly tracks hold STC in their latest 13F, including Will Nasgovitz, Jean-Marie Eveillard, Cliff Asness.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.