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5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
Stewart Information Services's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was -1.84%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Stewart Information Services (NYSE:STC) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Stewart Information Services 5-Year ROIIC % Related Terms
Stewart Information Services 5-Year ROIIC % 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.
For the Insurance - Property & Casualty subindustry, Stewart Information Services's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Stewart Information Services's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Stewart Information Services's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Stewart Information Services (STC) has a 5-Year ROIIC % of -1.84 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Stewart Information Services and its competitors. According to the industry distribution chart, Stewart Information Services ranks #244 out of 310 companies in the Insurance industry, placing it in the top 78.7%.
Is Stewart Information Services' 5-Year ROIIC % too high?
Stewart Information Services' current 5-Year ROIIC % is -1.84. Based on the distribution chart, Stewart Information Services ranks #244 out of 310 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' 5-Year ROIIC % compare to HMN and HCI?
According to the Insurance industry distribution chart, Stewart Information Services ranks #244 out of 310 companies for 5-Year ROIIC %. This places Stewart Information Services in the lower half of its industry. The industry median 5-Year ROIIC % is 3.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for an Insurance company?
The median 5-Year ROIIC % among Insurance companies is 3.44, based on 310 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Stewart Information Services and its competitors. For the Insurance industry, the median 5-Year ROIIC % is 3.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewart Information Services's current 5-Year ROIIC % is -1.84. 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 $80.81, compared to a current price of $68.71 — trading 15% below its estimated fair value. The current 5-Year ROIIC % is -1.84. 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 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For Stewart Information Services (STC), the current 5-Year ROIIC % is -1.84 as of Dec. 2025. 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:
5-Year ROIIC %: -1.84
GF Value™: $80.81 vs. price of $68.71 (15% 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
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