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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 : 8/10

vs
industry
vs
history
Cash to Debt 5.90
STC's Cash to Debt is ranked higher than
77% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.30 vs. STC: 5.90 )
STC' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 5.9

Equity to Asset 0.49
STC's Equity to Asset is ranked higher than
95% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. STC: 0.49 )
STC' s 10-Year Equity to Asset Range
Min: 0.33   Max: 0.6
Current: 0.49

0.33
0.6
Interest Coverage 34.19
STC's Interest Coverage is ranked higher than
76% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.94 vs. STC: 34.19 )
STC' s 10-Year Interest Coverage Range
Min: 0.54   Max: 9999.99
Current: 34.19

0.54
9999.99
F-Score: 4
Z-Score: 2.82
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 : 4/10

vs
industry
vs
history
Operating margin (%) 5.24
STC's Operating margin (%) is ranked higher than
58% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. STC: 5.24 )
STC' s 10-Year Operating margin (%) Range
Min: -15.27   Max: 8.94
Current: 5.24

-15.27
8.94
Net-margin (%) 3.27
STC's Net-margin (%) is ranked higher than
57% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. STC: 3.27 )
STC' s 10-Year Net-margin (%) Range
Min: -15.91   Max: 5.72
Current: 3.27

-15.91
5.72
ROE (%) 9.62
STC's ROE (%) is ranked higher than
71% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. STC: 9.62 )
STC' s 10-Year ROE (%) Range
Min: -50.71   Max: 19.92
Current: 9.62

-50.71
19.92
ROA (%) 4.75
STC's ROA (%) is ranked higher than
88% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. STC: 4.75 )
STC' s 10-Year ROA (%) Range
Min: -17.09   Max: 11.99
Current: 4.75

-17.09
11.99
ROC (Joel Greenblatt) (%) 77.10
STC's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 160.00 vs. STC: 77.10 )
STC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -77.08   Max: 167.28
Current: 77.1

-77.08
167.28
Revenue Growth (%) -5.10
STC's Revenue Growth (%) is ranked higher than
52% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. STC: -5.10 )
STC' s 10-Year Revenue Growth (%) Range
Min: -13.6   Max: 25.7
Current: -5.1

-13.6
25.7
EBITDA Growth (%) 44.60
STC's EBITDA Growth (%) is ranked higher than
94% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. STC: 44.60 )
STC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 113.4
Current: 44.6

0
113.4
» STC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

STC Guru Trades in Q1 2013

Paul Tudor Jones 32,600 sh (+77.17%)
Chuck Royce 180,400 sh (+39.63%)
Jim Simons Sold Out
Steven Cohen Sold Out
» More
Q2 2013

STC Guru Trades in Q2 2013

Chuck Royce 274,800 sh (+52.33%)
Paul Tudor Jones 23,300 sh (-28.53%)
» More
Q3 2013

STC Guru Trades in Q3 2013

Jim Simons 73,900 sh (New)
First Pacific Advisors 102,800 sh (New)
Chuck Royce 307,900 sh (+12.05%)
Paul Tudor Jones 12,600 sh (-45.92%)
» More
Q4 2013

STC Guru Trades in Q4 2013

Jim Simons 257,500 sh (+248.44%)
Paul Tudor Jones 16,100 sh (+27.78%)
First Pacific Advisors 123,200 sh (+19.84%)
Chuck Royce 307,900 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with STC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2011-12-31 Sold Out 0.0012%$8.25 - $12.12 $ 31.91215%0
Charles Brandes 2011-09-30 Reduce -92.4%0.01%$8.47 - $10.88 $ 31.91229%15160
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.40
STC's P/E(ttm) is ranked higher than
58% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. STC: 12.40 )
STC' s 10-Year P/E(ttm) Range
Min: 3.49   Max: 458.72
Current: 12.4

3.49
458.72
P/B 1.10
STC's P/B is ranked higher than
74% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. STC: 1.10 )
STC' s 10-Year P/B Range
Min: 0.21   Max: 1.35
Current: 1.1

0.21
1.35
P/S 0.41
STC's P/S is ranked higher than
94% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. STC: 0.41 )
STC' s 10-Year P/S Range
Min: 0.08   Max: 0.46
Current: 0.41

0.08
0.46
PFCF 12.30
STC's PFCF is ranked higher than
54% of the 153 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.64 vs. STC: 12.30 )
STC' s 10-Year PFCF Range
Min: 2.75   Max: 533
Current: 12.3

2.75
533
EV-to-EBIT 7.50
STC's EV-to-EBIT is ranked higher than
83% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. STC: 7.50 )
STC' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 51.1
Current: 7.5

2.5
51.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.31
STC's Dividend Yield is ranked lower than
95% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.50 vs. STC: 0.31 )
STC' s 10-Year Dividend Yield Range
Min: 0.27   Max: 3.49
Current: 0.31

0.27
3.49
Dividend Payout 0.04
STC's Dividend Payout is ranked higher than
97% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. STC: 0.04 )
STC' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.42
Current: 0.04

0.02
0.42
Dividend growth (3y) 26.00
STC's Dividend growth (3y) is ranked higher than
88% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. STC: 26.00 )
STC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 26
Current: 26

0
26
Yield on cost (5-Year) 0.85
STC's Yield on cost (5-Year) is ranked lower than
86% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.12 vs. STC: 0.85 )
STC' s 10-Year Yield on cost (5-Year) Range
Min: 0.76   Max: 9.87
Current: 0.85

0.76
9.87
Share Buyback Rate -10.50
STC's Share Buyback Rate is ranked higher than
51% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. STC: -10.50 )
STC' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -10.5
Current: -10.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
STC's Price/Tangible Book is ranked higher than
60% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. STC: 1.80 )
STC' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 1.77
Current: 1.8

0.61
1.77
Price/DCF (Projected) 1.30
STC's Price/DCF (Projected) is ranked lower than
55% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.52 vs. STC: 1.30 )
STC' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 1.68
Current: 1.3

0.28
1.68
Price/Median PS Value 1.50
STC's Price/Median PS Value is ranked lower than
53% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. STC: 1.50 )
STC' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.65
Current: 1.5

0.46
1.65
Price/Graham Number 0.90
STC's Price/Graham Number is ranked higher than
63% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. STC: 0.90 )
STC' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 5.63
Current: 0.9

0.39
5.63
Earnings Yield (Greenblatt) 13.40
STC's Earnings Yield (Greenblatt) is ranked higher than
82% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. STC: 13.40 )
STC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 40.8
Current: 13.4

2
40.8
Forward Rate of Return (Yacktman) -0.82
STC's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.66 vs. STC: -0.82 )
STC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.9   Max: 56.7
Current: -0.82

-11.9
56.7

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Stewart Information Services, Inc. provides services needed to transfer the title in a real estate transaction, including searching, examining, closing and insuring the condition of the title to real property. It also provides loan origination and servicing support; loan review services; loss mitigation; REO asset management; and technology to support the real estate process. Its business is segmented into three areas: Title Insurance and Related Services, Mortgage Services and Corporate. Title insurance and related services include the functions of searching, examining, closing and insuring the condition of the title to real property. The title segment also includes certain ancillary services provided for tax-deferred exchanges and home and personal insurance services. Its clientele comprises of attorneys, builders, developers, home buyers and home sellers, lenders and real estate brokers and agents. The Mortgage Services segment includes a diverse group of products and services provided to multiple markets. These services are provided principally through Stewart Lender Services, PropertyInfo Corporation and Stewart Government Services businesses. SLS offers origination support, loss mitigation, default, and post-closing services to residential mortgage lenders, servicers and investors. Loss mitigation products include loan modification, loan review, loan default and REO asset recovery services. SLS also offers outsourcing solutions for post-closing and servicing support to lenders. PropertyInfo Corporation offers technology that a title business requires. PropertyInfo offers a 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. Customers for mortgage services products and services primarily include mortgage lenders and servicers, mortgage brokers, mortgage investors and government entities. The corporate segment consists of the expenses of the parent holding company and certain other corporate overhead expenses not allocated to the lines of business. The Company was incorporated in 1970 and is based in Houston, Texas.

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