At a glance
Stewart Information Services Corp is worth $1.35B, about 11 times its fiscal 2025 earnings. Revenue grew 17.3% to $2.92B in fiscal 2025, with 4.0% kept as profit; over 5 years it has grown 5.0% a year. It pays a 4.83% dividend yield, raised every year for at least 5 years, and returned $259.3M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned −36.3% over the past year with dividends reinvested and −5.8% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 46.7% in the 2020 crash (S&P 500: 33.7%) and 45.2% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 4 months and 21 months after the lows.
The business in plain English
Stewart Information Services, a Houston-based company founded in 1893, is one of the largest title insurers. Title insurance protects a buyer or lender against hidden problems from the past, such as forgeries or undiscovered liens (legal claims against a property). The buyer pays for it once, at closing, and an owner's policy lasts as long as the buyer owns the property. US lenders generally require it before making a mortgage loan.
The title segment brought in about $2.48 billion. That was 85% of Stewart's $2.92 billion revenue in the year ended December 31, 2025. Stewart issues policies through its own offices and through a network of independent title agencies. It also handles closings and Section 1031 tax-deferred property exchanges. Customers include buyers and sellers, lenders, real estate agents, attorneys and home builders. It also insures commercial property such as data centers, offices and farms. Its largest rivals are Fidelity National Financial, First American and Old Republic.
Real estate solutions made up the other 15%, about $438 million. This segment sells credit and property data, property preservation, valuation management and online notarization services to the mortgage industry. Its brands include Informative Research and PropStream. Stewart operates mainly in the US, with regional offices in Australia, Canada and the United Kingdom. Title revenue tracks home sales, property prices and mortgage rates.
Price history
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STC -36.3% over the year to Oct 28, 2026, total return with dividends reinvested.
How it makes money
By business segment
| Title: | $2.48B | 85% |
| Real estate solutions: | $438.4M | 15% |
| Corporate | $1.3M | 0% |
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $899.2M, up 24.5% from a year earlier, and net income was $37.2M (+16.6%).
- For fiscal 2025, revenue was $2.92B (+17.3% year over year; +5.0% a year from FY2020 to FY2025) with a 4% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +5.0% good |
|---|---|
| Free cash flow margin | 4.5% watch |
| Return on equity (FY2025) | 7% weak |
| Return on assets (FY2025) | 3.6% watch |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $2.29B | $154.9M | $260.8M |
| FY2021 | $3.31B | $323.2M | $350.5M |
| FY2022 | $3.07B | $162.3M | $143.9M |
| FY2023 | $2.26B | $30.4M | $45.3M |
| FY2024 | $2.49B | $73.3M | $95.1M |
| FY2025 | $2.92B | $115.5M | $132.3M |
Valuation snapshot
| Market value | $1.35B |
|---|---|
| P/E ratio | 10.9 |
| Dividend yield | 4.83% |
Rank among 1514 US companies
Market value at each year end
Stewart Information Services’s market value went from $1.08B at the end of 2016 to $1.35B on Oct 28, 2026, up 26%; since the end of 2025 it is down 31%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $1.35B | -31.3% |
| 2025 | $1.97B | +5.2% |
| 2024 | $1.87B | +16.4% |
| 2023 | $1.61B | +38.7% |
| 2022 | $1.16B | -45.9% |
| 2021 | $2.14B | +65.9% |
| 2020 | $1.29B | +33.6% |
| 2019 | $967.0M | -1.6% |
| 2018 | $982.9M | -2.2% |
| 2017 | $1.01B | -6.7% |
| 2016 | $1.08B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| STC price data to Oct 28, 2026 | -35.4% | -36.3% | +4.3% | -5.8% | +3.1% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | -35.4% |
| 2025 | +7.2% |
| 2024 | +18.3% |
| 2023 | +43.3% |
| 2022 | -44.6% |
| 2021 | +68.6% |
| 2020 | +22.4% |
| 2019 | +1.5% |
| 2018 | +0.7% |
| 2017 | -5.5% |
| 2016 | +27.3% |
| 2015 | +2.9% |
| 2014 | +15.1% |
| 2013 | +24.5% |
| 2012 | +125.9% |
| 2011 | +0.6% |
| 2010 | +2.7% |
| 2009 | -51.8% |
| 2008 | -9.3% |
| 2007 | -38.1% |
| 2006 | -9.2% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 59.7% over that stretch · deepest drop along the way 81.9%, back to its old high 62.8 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 42.5% over that stretch · deepest drop along the way 46.7%, back to its old high 4.3 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 44.6% over that stretch · deepest drop along the way 45.2%, back to its old high 21.4 months after the low |
Insider activity
Form 4 filings from 2025-10-29 to 2026-10-29 (25 read): 9 open-market purchases ($525K) and 3 sales ($887K).
| Date | Insider | Type | Value |
|---|---|---|---|
| Apr 24, 2026 | David C Hisey Chief Financial Officer | sell | $401K |
| Apr 24, 2026 | David C Hisey Chief Financial Officer | sell | $383K |
| Oct 26, 2026 | Frederick H Eppinger Chief Executive Officer, Director | buy | $133K |
| Aug 21, 2026 | Brian Glaze PAO | sell | $104K |
| Oct 23, 2026 | C Allen Jr Bradley Director | buy | $95K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 15% | Jun 30, 2026 |
| FMR LLC | 8.7% | Sep 30, 2025 |
| Dimensional Fund Advisors LP | 5.7% | Mar 31, 2025 |
| Neuberger Berman Group LLC | 5.5% | Dec 31, 2024 |
| Vanguard Capital Management | 5.09% | Mar 31, 2026 |
| Allspring Global Investments Holdings, LLC | 4.9% | Mar 31, 2026 |
ETFs with the most weight in STC
| DGRS WisdomTree US Smallcap Quality Dividend Growth Fund | 0.89% |
| XSLV Invesco S&P SmallCap Low Volatility ETF | 0.79% |
| SVAL iShares US Small Cap Value Factor ETF | 0.64% |
| PSCF Invesco S&P SmallCap Financials ETF | 0.57% |
| OASC OneAscent Small Cap Core ETF | 0.51% |
| RZV Invesco S&P SmallCap 600® Pure Value ETF | 0.35% |
| TXSS Texas Capital Texas Small Cap Equity Index ETF | 0.34% |
| IJS iShares S&P Small-Cap 600 Value ETF | 0.33% |
What could go wrong
- Claims could outrun money set aside. Claims can arrive many years after a policy is sold and vary greatly in cost. If they run higher than expected, Stewart must add to its reserves (money set aside for claims), lowering earnings.
- Independent agents can create costly losses. Title agencies that operate with substantial independence from Stewart issue many of its policies. Mistakes, fraud or unauthorized coverage by those agents can lead to claims that Stewart must pay.
- Housing and mortgage slowdowns cut revenue. Revenue tracks home sales, property prices and mortgage rates. When borrowing costs rise, buying and refinancing slow. Revenue fell from about $3.31 billion in 2021 to $2.26 billion in 2023.
- Cheaper substitutes for title insurance. Lenders, investors and competitors may push waivers or cheaper alternatives, such as attorney opinion letters, that may offer less protection. Wider acceptance could reduce demand for traditional title policies.
- Fraud and cyberattacks on closing funds. Stewart moves large sums of money at closings. Errors or fraud in fund transfers, or cyberattacks on its systems, could cause direct losses.
- A ratings downgrade could cost business. Its main underwriter, Stewart Title Guaranty, is rated A- by Fitch and A.M. Best for financial strength. A downgrade could drive away customers, especially in commercial deals where that strength matters most.
Recent events
- Quarterly results released
- Other company announcement
- Quarterly results released
- Investor presentation or announcement
- Investor presentation or announcement
- Shareholder vote results
- Quarterly results released
- Investor presentation or announcement
- Quarterly results released
- Major agreement signed; Investor presentation or announcement; Other company announcement
For income and retirement investors
Stewart has raised its regular dividend five years running, from $1.20 a share in 2020 to $2.05 in 2025, about 11% a year. In 2025 dividends took about 51% of earnings and 44% of free cash flow (cash left after running and investing in the business). In weak years the dividend can outrun profit: in 2023 Stewart paid $1.85 a share while earning $1.11. The yield (yearly dividend divided by share price) was 4.83% as of October 28, 2026. Buybacks have been small, and the share count rose 13.5% from October 2021 to July 2026.
The shares have fallen hard in downturns. They dropped about 82% in the 2008 financial crisis and took until February 2014 to recover. They fell about 47% in the 2020 COVID crash and recovered in about four months. They fell 45% in the 2022 bear market and recovered by July 2024. They were down about 36% in the year to October 28, 2026. Single stocks carry more risk than diversified funds.
Questions investors ask
How does Stewart Information Services make money?
Mostly by selling title insurance. In the year ended December 31, 2025, the title segment produced about $2.48 billion, or 85% of $2.92 billion in revenue. Stewart collects a one-time premium when a property is bought or refinanced, plus fees for searches and closings. The other 15% came from real estate solutions, which sells credit and property data, valuation and online notarization services to the mortgage industry.
Does Stewart Information Services raise its dividend every year?
Yes, for five years in a row through 2025. The regular dividend rose each year from $1.20 a share in 2020 to $2.05 in 2025, about 11% growth a year, with no special dividends in that span. The increases continued even in a weak year: in 2023 Stewart paid $1.85 a share while earning $1.11, so dividends were larger than profit. A five-year record does not guarantee future increases.
What is Stewart Information Services' dividend yield?
The dividend yield was 4.83% as of October 28, 2026, based on the share price that day. Part of that yield comes from a falling stock: on that date the shares were down about 36% over the prior year and about 35% year to date. In 2025, dividends used about 51% of earnings and 44% of free cash flow. That leaves some room, though 2023 showed that profits can drop sharply.
Who are Stewart Information Services' biggest competitors?
Stewart's largest competitors are Fidelity National Financial (Fidelity National Title and Chicago Title), First American Financial and Old Republic. It also competes with smaller title insurers, abstractors (firms that research property records), attorneys who issue title opinions and attorney-owned title funds. Stewart says customers choose based on service, location, financial strength, size and relationships. Its main underwriter is rated A- by Fitch and A.M. Best.
How do interest rates affect Stewart Information Services stock?
Higher mortgage rates usually hurt Stewart, because its revenue depends on home sales and refinancing. Low rates add refinancing business, while rising rates slow both buying and refinancing. Revenue fell from about $3.31 billion in 2021 to $2.26 billion in 2023, then recovered to $2.92 billion in 2025. Interest rates also affect the value of Stewart's investment portfolio, which the company lists as a risk.