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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 1.85
STC's Cash to Debt is ranked higher than
74% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. STC: 1.85 )
STC' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 1.85

Equity to Asset 0.48
STC's Equity to Asset is ranked higher than
95% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. STC: 0.48 )
STC' s 10-Year Equity to Asset Range
Min: 0.31   Max: 0.61
Current: 0.48

0.31
0.61
Interest Coverage 34.19
STC's Interest Coverage is ranked higher than
74% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. STC: 34.19 )
STC' s 10-Year Interest Coverage Range
Min: 0.54   Max: 277.7
Current: 34.19

0.54
277.7
F-Score: 3
Z-Score: 2.63
WACC vs ROIC
10.76%
7.32%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 2.77
STC's Operating margin (%) is ranked higher than
58% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. STC: 2.77 )
STC' s 10-Year Operating margin (%) Range
Min: -15.27   Max: 8.94
Current: 2.77

-15.27
8.94
Net-margin (%) 1.59
STC's Net-margin (%) is ranked higher than
57% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.39 vs. STC: 1.59 )
STC' s 10-Year Net-margin (%) Range
Min: -15.91   Max: 5.72
Current: 1.59

-15.91
5.72
ROE (%) 4.49
STC's ROE (%) is ranked higher than
59% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.59 vs. STC: 4.49 )
STC' s 10-Year ROE (%) Range
Min: -39.85   Max: 22.2
Current: 4.49

-39.85
22.2
ROA (%) 2.21
STC's ROA (%) is ranked higher than
69% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. STC: 2.21 )
STC' s 10-Year ROA (%) Range
Min: -17.12   Max: 13.19
Current: 2.21

-17.12
13.19
ROC (Joel Greenblatt) (%) 37.19
STC's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 281.63 vs. STC: 37.19 )
STC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -106.57   Max: 220.59
Current: 37.19

-106.57
220.59
Revenue Growth (3Y)(%) -5.10
STC's Revenue Growth (3Y)(%) is ranked higher than
59% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.90 vs. STC: -5.10 )
STC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.6   Max: 25.7
Current: -5.1

-13.6
25.7
EBITDA Growth (3Y)(%) 44.60
STC's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. STC: 44.60 )
STC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -19.8   Max: 113.4
Current: 44.6

-19.8
113.4
» STC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

STC Guru Trades in Q1 2014

Paul Tudor Jones Sold Out
Jim Simons 245,809 sh (-4.54%)
First Pacific Advisors 116,600 sh (-5.36%)
Chuck Royce 70,800 sh (-77.01%)
» More
Q2 2014

STC Guru Trades in Q2 2014

Paul Tudor Jones 7,500 sh (New)
RS Investment Management 243,895 sh (New)
First Pacific Advisors 218,400 sh (+87.31%)
Chuck Royce 61,400 sh (-13.28%)
Jim Simons 94,700 sh (-61.47%)
» More
Q3 2014

STC Guru Trades in Q3 2014

RS Investment Management 516,160 sh (+111.63%)
First Pacific Advisors 297,000 sh (+35.99%)
Paul Tudor Jones Sold Out
Jim Simons 84,200 sh (-11.09%)
Chuck Royce 44,000 sh (-28.34%)
» More
Q4 2014

STC Guru Trades in Q4 2014

Arnold Schneider 18,807 sh (New)
Jim Simons 131,200 sh (+55.82%)
First Pacific Advisors 308,000 sh (+3.7%)
RS Investment Management 517,726 sh (+0.3%)
Chuck Royce Sold Out
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-12-31 New Buy0.09%$27.13 - $37.5 $ 37.6311%18807
Arnold Schneider 2011-12-31 Sold Out 0.04%$8.25 - $12.12 $ 37.63272%0
Charles Brandes 2011-12-31 Sold Out 0.0012%$8.25 - $12.12 $ 37.63272%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 26.70
STC's P/E(ttm) is ranked higher than
61% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.10 vs. STC: 26.70 )
STC' s 10-Year P/E(ttm) Range
Min: 4.56   Max: 458.72
Current: 26.7

4.56
458.72
Forward P/E 18.59
STC's Forward P/E is ranked higher than
72% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.25 vs. STC: 18.59 )
N/A
PE(NRI) 26.90
STC's PE(NRI) is ranked higher than
61% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.00 vs. STC: 26.90 )
STC' s 10-Year PE(NRI) Range
Min: 4.62   Max: 447.25
Current: 26.9

4.62
447.25
P/B 1.30
STC's P/B is ranked higher than
79% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.36 vs. STC: 1.30 )
STC' s 10-Year P/B Range
Min: 0.21   Max: 1.3
Current: 1.3

0.21
1.3
P/S 0.52
STC's P/S is ranked higher than
95% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. STC: 0.52 )
STC' s 10-Year P/S Range
Min: 0.08   Max: 0.51
Current: 0.52

0.08
0.51
PFCF 145.00
STC's PFCF is ranked higher than
64% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.29 vs. STC: 145.00 )
STC' s 10-Year PFCF Range
Min: 3.87   Max: 533
Current: 145

3.87
533
POCF 34.39
STC's POCF is ranked higher than
58% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.47 vs. STC: 34.39 )
STC' s 10-Year POCF Range
Min: 2.96   Max: 143.83
Current: 34.39

2.96
143.83
EV-to-EBIT 14.91
STC's EV-to-EBIT is ranked higher than
65% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. STC: 14.91 )
STC' s 10-Year EV-to-EBIT Range
Min: -184.2   Max: 103.2
Current: 14.91

-184.2
103.2
Days Sales Outstanding 19.27
STC's Days Sales Outstanding is ranked higher than
97% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 173.91 vs. STC: 19.27 )
STC' s 10-Year Days Sales Outstanding Range
Min: 10.55   Max: 26.78
Current: 19.27

10.55
26.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.27
STC's Dividend Yield is ranked lower than
94% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.71 vs. STC: 0.27 )
STC' s 10-Year Dividend Yield Range
Min: 0.18   Max: 9.99
Current: 0.27

0.18
9.99
Dividend Payout 0.07
STC's Dividend Payout is ranked higher than
98% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.52 vs. STC: 0.07 )
STC' s 10-Year Dividend Payout Range
Min: 0.03   Max: 3
Current: 0.07

0.03
3
Dividend growth (3y) 26.00
STC's Dividend growth (3y) is ranked higher than
94% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 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 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.43 vs. STC: 0.85 )
STC' s 10-Year Yield on cost (5-Year) Range
Min: 0.51   Max: 28.24
Current: 0.85

0.51
28.24
Share Buyback Rate -10.50
STC's Share Buyback Rate is ranked higher than
59% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 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 2.20
STC's Price/Tangible Book is ranked higher than
69% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. STC: 2.20 )
STC' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 1.97
Current: 2.2

0.68
1.97
Price/DCF (Projected) 1.20
STC's Price/DCF (Projected) is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. STC: 1.20 )
STC' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.64
Current: 1.2

0.25
1.64
Price/Median PS Value 1.80
STC's Price/Median PS Value is ranked higher than
57% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. STC: 1.80 )
STC' s 10-Year Price/Median PS Value Range
Min: 0.35   Max: 1.65
Current: 1.8

0.35
1.65
Price/Graham Number 1.40
STC's Price/Graham Number is ranked higher than
65% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. STC: 1.40 )
STC' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 5.63
Current: 1.4

0.38
5.63
Earnings Yield (Greenblatt) 6.60
STC's Earnings Yield (Greenblatt) is ranked higher than
64% of the 216 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. STC: 6.60 )
STC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 34.7
Current: 6.6

1
34.7
Forward Rate of Return (Yacktman) 0.16
STC's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.17 vs. STC: 0.16 )
STC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.7   Max: 72.7
Current: 0.16

-18.7
72.7

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Stewart Information Services, Inc., 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.
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