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Stewart Information ServicesSTC -0.48%79 Return-on-Tangible-Equity is 151.25% as of Mar. 2026, which is 395% above its 10-year median of 30.56. 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 495 Insurance companies, Stewart Information Services ranks better than 95.15% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Stewart Information Services's annualized net income for the quarter that ended in Mar. 2026 was $68 Mil. Stewart Information Services's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $45 Mil. Therefore, Stewart Information Services's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 151.25%.
The historical rank and industry rank for Stewart Information Services's Return-on-Tangible-Equity or its related term are showing as below:
STC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.23 Med: 30.56 Max: 182.41
Current: 182.41
During the past 13 years, Stewart Information Services's highest Return-on-Tangible-Equity was 182.41%. The lowest was 11.23%. And the median was 30.56%.
STC's Return-on-Tangible-Equity is ranked better than 95.15% of 495
companies
in the Insurance industry
Industry Median: 13.62
vs STC: 182.41
Stewart Information Services (NYSE:STC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Stewart Information Services Return-on-Tangible-Equity Related Terms
Stewart Information Services Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
STC vs HMN, HCI, SLDE: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Stewart Information Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Stewart Information Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Stewart Information Services's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 151.25% mean?
Stewart Information Services (STC) has a Return-on-Tangible-Equity of 151.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Stewart Information Services and its competitors. This is 395% above median its historical median of 30.56. Over the past decade, Stewart Information Services' Return-on-Tangible-Equity has ranged from 11.23 to 182.41. According to the industry distribution chart, Stewart Information Services ranks #24 out of 495 companies in the Insurance industry, placing it in the top 4.8%.
Is Stewart Information Services' Return-on-Tangible-Equity too high?
Stewart Information Services' current Return-on-Tangible-Equity of 151.25% is 395% above median its 10-year median of 30.56. Over the past 10 years, this metric has ranged from a low of 11.23 to a high of 182.41. The Insurance industry median Return-on-Tangible-Equity is 13.62. Stewart Information Services' value of 151.25% is 1010.5% above this industry median. Based on the distribution chart, Stewart Information Services ranks #24 out of 495 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' Return-on-Tangible-Equity compare to HMN and HCI?
According to the Insurance industry distribution chart, Stewart Information Services ranks #24 out of 495 companies for Return-on-Tangible-Equity. This places Stewart Information Services in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.62. Stewart Information Services' value of 151.25% is 1010.5% above this benchmark. Historically, Stewart Information Services' own Return-on-Tangible-Equity has ranged from 11.23 to 182.41 over the past decade. While the company's 10-year median is 30.56 vs. the industry median of 13.62, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.62, based on 495 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stewart Information Services's current Return-on-Tangible-Equity of 151.25% is 1010.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Stewart Information Services and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewart Information Services's current Return-on-Tangible-Equity is 151.25%, which is 395% above median its own 10-year median of 30.56. 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 $68.71 — trading 15% below its estimated fair value. The current Return-on-Tangible-Equity is 151.25%, which is 395% above median its 10-year median of 30.56 and 1010.5% above the Insurance industry median of 13.62. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Stewart Information Services (STC), the current Return-on-Tangible-Equity is 151.25% 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 $68.71 is trading 15% below its estimated GF Value™ of $80.81.
GuruFocus considers Stewart Information Services to be Modestly Undervalued.
Key valuation signals for STC:
Return-on-Tangible-Equity: 151.25% (395% above median its 10-year median of 30.56)
GF Value™: $80.81 vs. price of $68.71 (15% below fair value)
Industry Position: 1010.5% above the Insurance median (#24 of 495)
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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