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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt 1.74
STC's Cash-to-Debt is ranked lower than
57% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.37 vs. STC: 1.74 )
Ranked among companies with meaningful Cash-to-Debt only.
STC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 2.8 Max: No Debt
Current: 1.74
Equity-to-Asset 0.48
STC's Equity-to-Asset is ranked higher than
89% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. STC: 0.48 )
Ranked among companies with meaningful Equity-to-Asset only.
STC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.33  Med: 0.51 Max: 0.6
Current: 0.48
0.33
0.6
Interest Coverage 28.75
STC's Interest Coverage is ranked lower than
51% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. STC: 28.75 )
Ranked among companies with meaningful Interest Coverage only.
STC' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 16.01 Max: 34.19
Current: 28.75
0.54
34.19
Piotroski F-Score: 6
Beneish M-Score: -2.08
WACC vs ROIC
8.17%
12.05%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 4.39
STC's Operating Margin % is ranked lower than
81% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. STC: 4.39 )
Ranked among companies with meaningful Operating Margin % only.
STC' s Operating Margin % Range Over the Past 10 Years
Min: -15.27  Med: 0.79 Max: 5.24
Current: 4.39
-15.27
5.24
Net Margin % 2.76
STC's Net Margin % is ranked lower than
81% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.52 vs. STC: 2.76 )
Ranked among companies with meaningful Net Margin % only.
STC' s Net Margin % Range Over the Past 10 Years
Min: -15.91  Med: -0.09 Max: 5.72
Current: 2.76
-15.91
5.72
ROE % 6.85
STC's ROE % is ranked lower than
69% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.67 vs. STC: 6.85 )
Ranked among companies with meaningful ROE % only.
STC' s ROE % Range Over the Past 10 Years
Min: -39.85  Med: -0.21 Max: 21.43
Current: 6.85
-39.85
21.43
ROA % 4.16
STC's ROA % is ranked higher than
78% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. STC: 4.16 )
Ranked among companies with meaningful ROA % only.
STC' s ROA % Range Over the Past 10 Years
Min: -17.12  Med: -0.13 Max: 8.92
Current: 4.16
-17.12
8.92
3-Year Revenue Growth Rate 3.10
STC's 3-Year Revenue Growth Rate is ranked lower than
74% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. STC: 3.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
STC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.6  Med: 2.7 Max: 25.7
Current: 3.1
-13.6
25.7
3-Year EBITDA Growth Rate 1.50
STC's 3-Year EBITDA Growth Rate is ranked lower than
57% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 vs. STC: 1.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
STC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 5.8 Max: 113.1
Current: 1.5
-27.1
113.1
3-Year EPS without NRI Growth Rate -10.70
STC's 3-Year EPS without NRI Growth Rate is ranked lower than
83% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.10 vs. STC: -10.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
STC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -67  Med: -3.55 Max: 456.1
Current: -10.7
-67
456.1
GuruFocus has detected 8 Warning Signs with Stewart Information Services Corp $STC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» STC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

STC Guru Trades in Q1 2016

Steven Cohen 19,700 sh (New)
Julian Robertson 93,600 sh (New)
Paul Tudor Jones 23,748 sh (+65.49%)
Jim Simons 473,800 sh (+50.03%)
Ken Fisher 61,880 sh (unchged)
» More
Q2 2016

STC Guru Trades in Q2 2016

First Pacific Advisors 44,283 sh (New)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
Julian Robertson Sold Out
Jim Simons 457,200 sh (-3.50%)
Ken Fisher 44,188 sh (-28.59%)
» More
Q3 2016

STC Guru Trades in Q3 2016

Steven Cohen 18,100 sh (New)
Paul Tudor Jones 6,700 sh (New)
First Pacific Advisors Sold Out
Jim Simons 351,700 sh (-23.08%)
Ken Fisher 32,286 sh (-26.93%)
» More
Q4 2016

STC Guru Trades in Q4 2016

Discovery Group I, LLC 290,282 sh (New)
Paul Tudor Jones 9,200 sh (+37.31%)
Jim Simons 369,700 sh (+5.12%)
Steven Cohen Sold Out
Ken Fisher 21,783 sh (-32.53%)
» More
» Details

Insider Trades

Latest Guru Trades with STC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524127    SIC: 6361
Compare:NAS:SAFT, NAS:STFC, NAS:UFCS, NAS:JRVR, NAS:IPCC, NAS:AMSF, NYSE:UVE, NYSE:MBI, NAS:NMIH, NAS:KNSL, NAS:EMCI, NAS:NAVG, NAS:GBLI, NAS:SNC, NYSE:HRTG, NAS:DGICA, NYSE:HCI, NYSE:ENHPRC, NAS:BWINB, NAS:UIHC » details
Traded in other countries:SIU.Germany,
Stewart Information Services Inc is a title insurance and real estate services company offering products and services through its direct operations, network of approved agencies and other companies.

Stewart Information Services Corp is a Delaware corporation formed in 1970. The Company is a customer-focused, global title insurance and real estate services company offering products and services through its direct operations, network of approved agencies and other companies within the Stewart family. It provides these services to homebuyers and sellers; residential and commercial real estate professionals; mortgage lenders and servicers; title agencies and real estate attorneys; home builders; and United States governments. It also provides loan origination and servicing support; loan review services; loss mitigation; REO asset management; home and personal insurance services; loan due diligence; compliance solutions; service performance management and technology to streamline the real estate process. Its international division delivers products and services protecting and promoting private land ownership. Currently, its main international operations are in Canada, the United Kingdom, Central Europe, and Australia. The Company reports its business in the following segments: title insurance and related services, mortgage services. Title insurance and related services include the functions of searching, examining, closing and insuring the condition of the title to real property. This segment also includes certain ancillary services provided for tax-deferred exchanges and home and personal insurance services. Its mortgage services segment includes various groups of products and services provided to multiple markets. These services are provided mainly through its Stewart Lender Services (SLS), PropertyInfo Corporation and Stewart Government Services businesses. SLS offers mortgage origination support, component servicing, default and REO services, including post-closing outsourcing, portfolio due diligence, mortgage compliance solutions and servicer oversight to residential mortgage lenders, servicers and investors. PropertyInfo Corporation offers technology to support title operations. PropertyInfo offers a title and escrow production system, AIM+, along with web-based search tools designed to increase the processing speed of title examinations by connecting all aspects of the title examination process to proprietary title information databases and to public land and court record information sources. The primary sources of title insurance business are attorneys, builders, developers, home buyers and home sellers, lenders and real estate brokers and agents. Customers for its mortgage services products and services mainly include mortgage lenders and servicers, mortgage brokers, mortgage investors and government entities. The Company's trademarks include AIM+, E-Title, PropertyInfo, SureClose, TitleSearch, eClosingRoom and Virtual Underwriter. The Company competes with Fidelity National Financial, Inc., Old Republic Title Insurance Group, and The First American Corporation and among others.

Ratios

vs
industry
vs
history
PE Ratio 24.36
STC's PE Ratio is ranked lower than
82% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.25 vs. STC: 24.36 )
Ranked among companies with meaningful PE Ratio only.
STC' s PE Ratio Range Over the Past 10 Years
Min: 4.53  Med: 21.92 Max: 447.25
Current: 24.36
4.53
447.25
PE Ratio without NRI 24.36
STC's PE Ratio without NRI is ranked lower than
82% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.30 vs. STC: 24.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
STC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.53  Med: 21.92 Max: 447.25
Current: 24.36
4.53
447.25
Price-to-Owner-Earnings 16.29
STC's Price-to-Owner-Earnings is ranked lower than
74% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. STC: 16.29 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.69  Med: 17.27 Max: 129.17
Current: 16.29
4.69
129.17
PB Ratio 1.71
STC's PB Ratio is ranked lower than
68% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. STC: 1.71 )
Ranked among companies with meaningful PB Ratio only.
STC' s PB Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.88 Max: 1.76
Current: 1.71
0.21
1.76
PS Ratio 0.53
STC's PS Ratio is ranked higher than
90% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. STC: 0.53 )
Ranked among companies with meaningful PS Ratio only.
STC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.28 Max: 0.56
Current: 0.53
0.08
0.56
Price-to-Free-Cash-Flow 21.17
STC's Price-to-Free-Cash-Flow is ranked lower than
79% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. STC: 21.17 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
STC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.63  Med: 12.9 Max: 533
Current: 21.17
4.63
533
Price-to-Operating-Cash-Flow 16.59
STC's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. STC: 16.59 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
STC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.21  Med: 9.33 Max: 144.44
Current: 16.59
4.21
144.44
EV-to-EBIT 10.49
STC's EV-to-EBIT is ranked higher than
50% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. STC: 10.49 )
Ranked among companies with meaningful EV-to-EBIT only.
STC' s EV-to-EBIT Range Over the Past 10 Years
Min: -142.3  Med: 5.6 Max: 75.5
Current: 10.49
-142.3
75.5
EV-to-EBITDA 7.88
STC's EV-to-EBITDA is ranked higher than
65% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.47 vs. STC: 7.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
STC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -150.2  Med: 4.2 Max: 27.3
Current: 7.88
-150.2
27.3
PEG Ratio 9.46
STC's PEG Ratio is ranked lower than
95% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. STC: 9.46 )
Ranked among companies with meaningful PEG Ratio only.
STC' s PEG Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.72 Max: 24.76
Current: 9.46
0.35
24.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.67
STC's Dividend Yield % is ranked higher than
50% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. STC: 2.67 )
Ranked among companies with meaningful Dividend Yield % only.
STC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 0.54 Max: 9.99
Current: 2.67
0.18
9.99
Dividend Payout Ratio 0.97
STC's Dividend Payout Ratio is ranked lower than
63% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.31 vs. STC: 0.97 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: 0.97
Current: 0.97
0.02
0.97
3-Year Dividend Growth Rate 128.90
STC's 3-Year Dividend Growth Rate is ranked higher than
99% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. STC: 128.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
STC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -48.9 Max: 128.9
Current: 128.9
0
128.9
Forward Dividend Yield % 2.65
STC's Forward Dividend Yield % is ranked lower than
54% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.84 vs. STC: 2.65 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 63.04
STC's 5-Year Yield-on-Cost % is ranked higher than
99% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.61 vs. STC: 63.04 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.25  Med: 12.75 Max: 235.87
Current: 63.04
4.25
235.87
3-Year Average Share Buyback Ratio -2.90
STC's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. STC: -2.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
STC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8  Med: -2.1 Max: 0.6
Current: -2.9
-8
0.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.66
STC's Price-to-Tangible-Book is ranked lower than
82% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. STC: 2.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.77  Med: 1.23 Max: 2.73
Current: 2.66
0.77
2.73
Price-to-Intrinsic-Value-Projected-FCF 0.99
STC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. STC: 0.99 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.44 Max: 1.61
Current: 0.99
0.28
1.61
Price-to-Median-PS-Value 1.88
STC's Price-to-Median-PS-Value is ranked lower than
96% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. STC: 1.88 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.43  Med: 1.14 Max: 1.93
Current: 1.88
0.43
1.93
Price-to-Graham-Number 1.70
STC's Price-to-Graham-Number is ranked lower than
81% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. STC: 1.70 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.39  Med: 0.74 Max: 5.62
Current: 1.7
0.39
5.62
Earnings Yield (Greenblatt) % 9.51
STC's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. STC: 9.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
STC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 11.85 Max: 33.2
Current: 9.51
1.3
33.2
Forward Rate of Return (Yacktman) % 4.56
STC's Forward Rate of Return (Yacktman) % is ranked lower than
74% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.08 vs. STC: 4.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
STC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -18.7  Med: 4.2 Max: 54.5
Current: 4.56
-18.7
54.5

More Statistics

Revenue (TTM) (Mil) $2,007
EPS (TTM) $ 1.84
Beta0.85
Short Percentage of Float6.41%
52-Week Range $31.76 - 48.60
Shares Outstanding (Mil)23.37
» More Articles for STC

Headlines

Articles On GuruFocus.com
How I Blew a 102% Gain in Net Net Wonder Stock Sangoma Technologies Jun 24 2015 
Possible Value - Stewart Information Services Thriving as Housing Improves Jul 14 2013 
Sangoma Drops Like A Rock Jan 18 2013 
Stewart Information Services Corp. Reports Operating Results (10-Q) Nov 03 2010 
Stewart Information Services Corp. Reports Operating Results (10-Q) Aug 03 2010 
Stewart Information Services Corp. Reports Operating Results (10-Q) May 05 2010 
Stewart Information Services Corp. Reports Operating Results (10-Q) Nov 04 2009 
Weekly Top Insider Buys: KB Home, National Penn Bancshares Inc., Moduslink Global Solutions Inc., En Oct 20 2009 
The Dhandho Investor: Chapter 13-14 Sep 21 2009 
Stewart Information Services Corp. Reports Operating Results (10-Q) Aug 06 2009 

More From Other Websites
Stewart Information Services Corp. :STC-US: Earnings Analysis: Q4, 2016 By the Numbers : February... Feb 14 2017
Stewart Information Services Corp. :STC-US: Earnings Analysis: 2016 By the Numbers : February 13,... Feb 13 2017
STEWART INFORMATION SERVICES CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 10 2017
Houston real estate co.'s CFO to retire Feb 10 2017
Edited Transcript of STC earnings conference call or presentation 9-Feb-17 1:30pm GMT Feb 09 2017
Q4 2016 Stewart Information Services Corp Earnings Release - 06:15 am ET Feb 09 2017
STEWART INFORMATION SERVICES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 09 2017
Stewart Information Services posts 4Q profit Feb 09 2017
Stewart Information Services posts 4Q profit Feb 09 2017
Stewart Reports Results for the Fourth Quarter 2016 Feb 09 2017
STEWART INFORMATION SERVICES CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 02 2017
Saudi Telecom CEO: We're Venturing Into Digital Platforms Feb 02 2017
Stewart Information Services Corporation Announces 4th Quarter and Full Year 2016 Earnings... Jan 26 2017
KBW: Wary of Mortgage Finance Stocks, Especially STC Jan 09 2017
Stewart Information Services Corp. breached its 50 day moving average in a Bearish Manner : STC-US :... Jan 09 2017
Real estate public company fills remaining board seats Jan 04 2017
Stewart Names Clifford Allen Bradley and Frederick H. Eppinger to Board of Directors Jan 03 2017
Stewart Names Clifford Allen Bradley and Frederick H. Eppinger to Board of Directors Jan 03 2017
STEWART INFORMATION SERVICES CORP Files SEC form 8-K, Change in Directors or Principal Officers,... Jan 03 2017
Stewart Information Services Corp. breached its 50 day moving average in a Bullish Manner : STC-US :... Dec 28 2016

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