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Stewart Information ServicesSTC -0.87%79 Equity-to-Asset is 0.51 as of Mar. 2026, which is 4% above its 10-year median of 0.49. GuruFocus rates STC with a GF Score™ of 79/100 and a GF Value™ of $80.81 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 504 Insurance companies, Stewart Information Services ranks better than 84.13% on this metric.
Stewart Information Services (NYSE:STC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Stewart Information Services Equity-to-Asset Related Terms
Stewart Information Services Equity-to-Asset 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 Equity-to-Asset Chart
For the Insurance - Property & Casualty subindustry, Stewart Information Services's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Stewart Information Services's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Stewart Information Services's Equity-to-Asset falls into.
Stewart Information Services Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Stewart Information Services's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.51 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Stewart Information Services and its competitors. This is near median its historical median of 0.49. Over the past decade, Stewart Information Services' Equity-to-Asset has ranged from 0.46 to 0.52. According to the industry distribution chart, Stewart Information Services ranks #80 out of 504 companies in the Insurance industry, placing it in the top 15.9%.
Is Stewart Information Services' Equity-to-Asset too high?
Stewart Information Services' current Equity-to-Asset of 0.51 is near median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 0.52. The Insurance industry median Equity-to-Asset is 0.26. Stewart Information Services' value of 0.51 is 96.2% above this industry median. Based on the distribution chart, Stewart Information Services ranks #80 out of 504 companies in the Insurance industry, which is in the top quartile — a strong position 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' Equity-to-Asset compare to HMN and HCI?
According to the Insurance industry distribution chart, Stewart Information Services ranks #80 out of 504 companies for Equity-to-Asset. This places Stewart Information Services in the top 16% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. Stewart Information Services' value of 0.51 is 96.2% above this benchmark. Historically, Stewart Information Services' own Equity-to-Asset has ranged from 0.46 to 0.52 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.26, Stewart Information Services has consistently been above 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stewart Information Services's current Equity-to-Asset of 0.51 is 96.2% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Stewart Information Services and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewart Information Services's current Equity-to-Asset is 0.51, which is near median its own 10-year median of 0.49. 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 $80.81, compared to a current price of $68.44 — trading 15.3% below its estimated fair value. The current Equity-to-Asset is 0.51, which is near median its 10-year median of 0.49 and 96.2% above the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Stewart Information Services (STC), the current Equity-to-Asset is 0.51 as of Mar. 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 $68.44 is trading 15.3% below its estimated GF Value™ of $80.81.
GuruFocus considers Stewart Information Services to be Modestly Undervalued.
Key valuation signals for STC:
Equity-to-Asset: 0.51 (near median its 10-year median of 0.49)
GF Value™: $80.81 vs. price of $68.44 (15.3% below fair value)
Industry Position: 96.2% above the Insurance median (#80 of 504)
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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