Q3 2025 Stewart Information Services Corp Earnings Call Transcript

Oct 23, 2025 / 12:30 PM GMT

Release Date Price: $72.11 (-4.10%)

Transcript 10-Q8-K

Key Points

Positve

Stewart Information Services Corp (STC) reported a 19% increase in total revenues and a 40% growth in adjusted earnings per share for the third quarter compared to the same period last year.
The company's direct operations unit grew by 8%, showing resilience despite challenges in the residential housing market.
STC's national commercial services business delivered solid growth, with domestic commercial revenues increasing by 17% in the quarter.
The agency services business saw a 28% year-over-year revenue increase, driven by share gains in key states like Florida, Texas, and New York.
STC announced an increase in its annual dividend from $2 per share to $2.10 per share, marking the fifth consecutive year of dividend growth.

Negative

The housing market remains challenging, with existing home sales hovering around 4 million annual units, indicating many buyers are still on the sidelines.
Home prices continue to be a hardship for many buyers, with the median sales price of existing homes still increasing year over year.
The company's investment income line was slightly lower than the previous quarter, potentially due to short-term rate cuts.
The residential real estate market remains at 15-year lows, impacting overall market conditions.
Office asset class growth has been limited, with no significant growth expected in the near term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

STC.N - Stewart Information Services Corp
Q3 2025 Stewart Information Services Corp Earnings Call
Oct 23, 2025 / 12:30PM GMT

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Presentation
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Unidentified_1 [1]
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This 3rd quarter 2025 earnings call. At this time, all participants are in a listen-only mode. Later you'll have the opportunity to ask questions during the question-and-answer session. Instructions will be given at that time. Please note today's call is being recorded. Lastly, should you require operator assistance, please press 0.

It is now my pleasure to turn the conference over to Cat Bass, director of investor relations. Please go ahead, ma'am.

Good morning.

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Unidentified_2 [2]
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