| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 6/6 |
| Financial Health | 4/6 |
| Dividends | 5/6 |
STC Stock Overview
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction services.
Stewart Information Services Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$68.64 |
| 52 Week High | US$81.00 |
| 52 Week Low | US$45.58 |
| Beta | 1.11 |
| 1 Month Change | -12.09% |
| 3 Month Change | -5.00% |
| 1 Year Change | 36.60% |
| 3 Year Change | 56.57% |
| 5 Year Change | 58.52% |
| Change since IPO | 1,093.74% |
Recent News & Updates
Here's Why I Think Stewart Information Services (NYSE:STC) Might Deserve Your Attention Today
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Shareholder Returns
| STC | US Insurance | US Market | |
|---|---|---|---|
| 7D | -11.6% | -4.0% | -6.1% |
| 1Y | 36.6% | 19.4% | 4.2% |
Return vs Industry: STC exceeded the US Insurance industry which returned 19.4% over the past year.
Return vs Market: STC exceeded the US Market which returned 4.2% over the past year.
Price Volatility
| STC volatility | |
|---|---|
| STC Average Weekly Movement | 3.9% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 6.7% |
| 10% most volatile stocks in US Market | 15.5% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: STC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: STC's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1893 | 6,600 | Fred Eppinger | https://www.stewart.com |
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction services. The company operates in two segments, Title Insurance and Related Services, and Ancillary Services and Corporate. The Title Insurance and Related Services segment is involved in searching, examining, closing, and insuring the condition of the title to real property.
Stewart Information Services Fundamentals Summary
| STC fundamental statistics | |
|---|---|
| Market Cap | US$1.85b |
| Earnings (TTM) | US$297.39m |
| Revenue (TTM) | US$3.08b |
6.2x
P/E Ratio0.6x
P/S RatioIs STC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STC income statement (TTM) | |
|---|---|
| Revenue | US$3.08b |
| Cost of Revenue | US$1.36b |
| Gross Profit | US$1.72b |
| Expenses | US$1.42b |
| Earnings | US$297.39m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 11.06 |
| Gross Margin | 55.84% |
| Net Profit Margin | 9.65% |
| Debt/Equity Ratio | 22.6% |
How did STC perform over the long term?
See historical performance and comparisonDividends
2.2%
Current Dividend Yield12%
Payout RatioValuation
Is Stewart Information Services undervalued compared to its fair value and its price relative to the market?
23.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: STC ($68.64) is trading below our estimate of fair value ($89.27)
Significantly Below Fair Value: STC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: STC is good value based on its PE Ratio (6.2x) compared to the US Insurance industry average (10.9x).
PE vs Market: STC is good value based on its PE Ratio (6.2x) compared to the US market (16.5x).
Price to Earnings Growth Ratio
PEG Ratio: STC's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: STC is overvalued based on its PB Ratio (1.5x) compared to the US Insurance industry average (1.1x).
Future Growth
How is Stewart Information Services forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
-23.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: STC's earnings are forecast to decline over the next 3 years (-23.1% per year).
Earnings vs Market: STC's earnings are forecast to decline over the next 3 years (-23.1% per year).
High Growth Earnings: STC's earnings are forecast to decline over the next 3 years.
Revenue vs Market: STC's revenue is expected to decline over the next 3 years (-1.7% per year).
High Growth Revenue: STC's revenue is forecast to decline over the next 3 years (-1.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: STC's Return on Equity is forecast to be low in 3 years time (13.3%).
Past Performance
How has Stewart Information Services performed over the past 5 years?
41.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: STC has high quality earnings.
Growing Profit Margin: STC's current net profit margins (9.7%) are higher than last year (4.6%).
Past Earnings Growth Analysis
Earnings Trend: STC's earnings have grown significantly by 41.4% per year over the past 5 years.
Accelerating Growth: STC's earnings growth over the past year (212.4%) exceeds its 5-year average (41.4% per year).
Earnings vs Industry: STC earnings growth over the past year (212.4%) exceeded the Insurance industry 38.1%.
Return on Equity
High ROE: STC's Return on Equity (25.8%) is considered high.
Financial Health
How is Stewart Information Services's financial position?
Financial Position Analysis
Short Term Liabilities: STC's short term assets ($737.7M) exceed its short term liabilities ($209.1M).
Long Term Liabilities: STC's short term assets ($737.7M) do not cover its long term liabilities ($949.7M).
Debt to Equity History and Analysis
Debt Level: STC has more cash than its total debt.
Reducing Debt: STC's debt to equity ratio has increased from 18.9% to 22.6% over the past 5 years.
Debt Coverage: STC's debt is well covered by operating cash flow (142.5%).
Interest Coverage: STC's interest payments on its debt are well covered by EBIT (163.1x coverage).
Balance Sheet
Dividend
What is Stewart Information Services's current dividend yield, its reliability and sustainability?
2.19%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: STC's dividend (2.19%) is higher than the bottom 25% of dividend payers in the US market (1.37%).
High Dividend: STC's dividend (2.19%) is low compared to the top 25% of dividend payers in the US market (3.6%).
Stability and Growth of Payments
Stable Dividend: STC's dividends per share have been stable in the past 10 years.
Growing Dividend: STC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (11.6%), STC's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: STC's dividends in 3 years are forecast to be well covered by earnings (20.8% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.7yrs
Average management tenure
CEO
Fred Eppinger (62 yo)
2.33yrs
Tenure
US$4,037,845
Compensation
Mr. Frederick Henry Eppinger, Jr., also known as Fred, is Chief Executive Officer at Stewart Information Services Corporation since September 10, 2019 and serves as its President since September 2019. Mr....
CEO Compensation Analysis
Compensation vs Market: Fred's total compensation ($USD4.04M) is about average for companies of similar size in the US market ($USD3.74M).
Compensation vs Earnings: Fred's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: STC's management team is seasoned and experienced (5.7 years average tenure).
Board Members
Experienced Board: STC's board of directors are considered experienced (5.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: STC insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Stewart Information Services Corporation's employee growth, exchange listings and data sources
Key Information
- Name: Stewart Information Services Corporation
- Ticker: STC
- Exchange: NYSE
- Founded: 1893
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$1.846b
- Shares outstanding: 26.89m
- Website: https://www.stewart.com
Number of Employees
Location
- Stewart Information Services Corporation
- 1360 Post Oak Boulevard
- Suite 100
- Houston
- Texas
- 77056
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/23 23:24 |
| End of Day Share Price | 2022/01/21 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.