# Stewart Information Services Corporation (STC) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Professional Services. Price $67.53, market value $2.1 billion.

## Valuation
- **P/E (trailing): 14.8×** (5-yr avg 20.6×, 3-yr avg 30.3×). Stewart Information Services Corporation trades at 14.8× trailing earnings, well below its own five-year average of 20.6×: cheap by its own standards. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 9.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.17**. A PEG of 0.17 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.3%** (5-yr avg 9.5%). Free cash flow equals 7.3% of the market value, below its five-year average of 9.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Net margin: 4.0%**. 4.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 7.0%**. 7.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 4.1%**. Each dollar of assets produces 4.1% of profit.

## Growth
- **Revenue growth (1 yr): 17.3%** (3-yr -1.4%/yr, 5-yr 5.2%/yr). Revenue grew 17.3% over the last year, against 5.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 55.2%** (3-yr -12.0%/yr, 5-yr -8.2%/yr). Earnings per share rose 55.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -2.8%/yr**. Free cash flow has compounded at -2.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.39**. Debt is 0.39 times equity: a conservative balance sheet.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.26%** ($2.10 per share, trailing). Stewart Information Services Corporation yields 3.26%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 51%** (42% of free cash flow). 51% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 11.3%/yr** (1-yr 5.1%). The dividend has compounded at 11.3% a year over five years, doubling roughly every 6 years at that pace.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Stewart Information Services Corporation; the consensus is buy, with an average price target of $82.25 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -5.9%** (YTD -2.3%, 3-mo 3.4%). The shares are down 5.9% over twelve months including dividends.
- **From 52-week high: -14.1%** (18.2% above the low). Trading 14% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.46** (volatility 31%). Beta of 0.46 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=STC · Page: https://foliofundamentals.com/stocks/stc

Not investment advice.