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What is Stewart Information Services Cash-to-Debt?
Stewart Information ServicesSTC -0.80%79 Cash-to-Debt is 0.34 as of Jun. 2026, which is 60% below its 10-year median of 0.84. GuruFocus rates STC with a GF Score™ of 79/100 and a GF Value™ of $81.85 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 486 Insurance companies, Stewart Information Services ranks worse than 83.54% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Stewart Information Services's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.34.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Stewart Information Servicescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Stewart Information Services's Cash-to-Debt or its related term are showing as below:
STC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.84 Max: 1.96
Current: 0.34
During the past 13 years, Stewart Information Services's highest Cash to Debt Ratio was 1.96. The lowest was 0.23. And the median was 0.84.
STC's Cash-to-Debt is ranked worse than 83.54% of 486
companies
in the Insurance industry
Industry Median: 2.17
vs STC: 0.34
Stewart Information Services (NYSE:STC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Stewart Information Services Cash-to-Debt Related Terms
Stewart Information Services Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, Stewart Information Services's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Stewart Information Services Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Stewart Information Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Stewart Information Services's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Stewart Information Services (STC) has a Cash-to-Debt of 0.34 as of Jun. 2026. This is 60% below median its historical median of 0.84. Over the past decade, Stewart Information Services' Cash-to-Debt has ranged from 0.23 to 1.96. According to the industry distribution chart, Stewart Information Services ranks #406 out of 486 companies in the Insurance industry, placing it in the top 83.5%.
Is Stewart Information Services' Cash-to-Debt too high?
Stewart Information Services' current Cash-to-Debt of 0.34 is 60% below median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 1.96. The Insurance industry median Cash-to-Debt is 2.17. Stewart Information Services' value of 0.34 is 84.3% below this industry median. Based on the distribution chart, Stewart Information Services ranks #406 out of 486 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Stewart Information Services has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Stewart Information Services' Cash-to-Debt compare to HMN and PRCH?
According to the Insurance industry distribution chart, Stewart Information Services ranks #406 out of 486 companies for Cash-to-Debt. This places Stewart Information Services in the lower half of its industry. The industry median Cash-to-Debt is 2.17. Stewart Information Services' value of 0.34 is 84.3% below this benchmark. Historically, Stewart Information Services' own Cash-to-Debt has ranged from 0.23 to 1.96 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 2.17, Stewart Information Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stewart Information Services's current Cash-to-Debt of 0.34 is 84.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewart Information Services's current Cash-to-Debt is 0.34, which is 60% below median its own 10-year median of 0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stewart Information Services stock overvalued right now?
Based on GuruFocus' analysis, Stewart Information Services (STC) is currently considered Modestly Undervalued. The stock's GF Value™ is $81.85, compared to a current price of $68.06 — trading 16.8% below its estimated fair value. The current Cash-to-Debt is 0.34, which is 60% below median its 10-year median of 0.84 and 84.3% below the Insurance industry median of 2.17. Stewart Information Services' overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Stewart Information Services (STC), the current Cash-to-Debt is 0.34 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Stewart Information Services (STC) Overvalued in 2026?
Based on GuruFocus' analysis, Stewart Information Services stock appears to be undervalued.
The current stock price of $68.06 is trading 16.8% below its estimated GF Value™ of $81.85.
GuruFocus considers Stewart Information Services to be Modestly Undervalued.
Key valuation signals for STC:
Cash-to-Debt: 0.34 (60% below median its 10-year median of 0.84)
GF Value™: $81.85 vs. price of $68.06 (16.8% below fair value)
Industry Position: 84.3% below the Insurance median (#406 of 486)
No single metric tells the full story. See the STC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stewart Information Services Corp is a customer-focused, title insurance and real estate services company offering products and services to home buyers and sellers, mortgage lenders and servicers, attorneys, and home builders. It has three operating segments: Title insurance and related services which generates key revenue, includes the functions of searching, examining, closing, and insuring the condition of the title to real property. It also includes home and personal insurance services, Real estate solutions segment supports the real estate mortgage industry by providing appraisal management services, online notarization and closing solutions, credit, and real estate information services, search and valuation services. Corporate and other segment is comprised of parent holding company.
79GF Score
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