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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
The historical rank and industry rank for Stewart Information Services's Combined Ratio % or its related term are showing as below:
STC's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Stewart Information Services (NYSE:STC) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Stewart Information Services Combined Ratio % Related Terms
Stewart Information Services Combined Ratio % 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.
Stewart Information Services Combined Ratio % Chart
STC vs HMN, HCI, SLDE: Combined Ratio % Comparison
For the Insurance - Property & Casualty subindustry, Stewart Information Services's Combined Ratio %, along with its competitors' market caps and Combined Ratio % 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 (NYSE:STC) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
100%
* 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.
Frequently Asked Questions
What does a Combined Ratio % of 0.00% mean?
Stewart Information Services (STC) has a Combined Ratio % of 0.00% as of Jun. 2026. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Stewart Information Services and its competitors.
Is Stewart Information Services' Combined Ratio % too high?
Stewart Information Services' current Combined Ratio % is 0.00%. 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' Combined Ratio % compare to HMN and HCI?
Stewart Information Services' Combined Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Stewart Information Services and its competitors. Stewart Information Services's current Combined Ratio % is 0.00%. 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 $81.55, compared to a current price of $67.89 — trading 16.8% below its estimated fair value. The current Combined Ratio % is 0.00%. Stewart Information Services' overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Stewart Information Services (STC), the current Combined Ratio % is 0.00% 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 $67.89 is trading 16.8% below its estimated GF Value™ of $81.55.
GuruFocus considers Stewart Information Services to be Modestly Undervalued.
Key valuation signals for STC:
Combined Ratio %: 0.00%
GF Value™: $81.55 vs. price of $67.89 (16.8% below fair value)
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
Get the complete analysis for STC
Combined Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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