Stewart Information Services Corporation (STC) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Stewart Information Services Corporation (NYSE: STC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $44.50 (-2.15% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, STC ranks #515 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), STC carries a Roarable D+ (57/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 5.6%. By comparison, TWFG (TWFG Inc. (Class A)) holds a C+ grade (69/100 RQD, P/E N/A, ROIC 39.8%, cap $1.47B) and GSHD (Goosehead Insurance Inc. (Class A)) posts a C- grade (59/100 RQD, P/E 60.7x, ROIC 36.9%, cap $1.69B). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while LIFE leads on capital efficiency (40.6% ROIC).
Per STC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000094344), Stewart Information Services Corporation generated $2.92B in revenue (+17.3% YoY), $115.5M in net income, and $74.2M in free cash flow against $3.25B in total assets and $721.1M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
Even with a 57/100 (D+) score, STC faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.25) or 200D SMA ($64.52) invalidates the momentum regime and cuts Target Base ($44.30) toward Bear Floor ($34.55).
Stewart Information Services Corporation (STC) dropped -2.15% to $44.50, trading at 5% of its 52-week range ($42.66 – $78.61). Stretched risk/reward at 12x P/E (6% return on capital) under elevated 10-year interest-rate pressure.
Yahoo! Finance Canada report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
AI-driven title search automation and commercial expansion are Stewart's levers to sustain margins through a prolonged housing slowdown.
The low valuation multiples for value stocks provide a margin of safety that growth stocks rarely offer. However, the challenge lies in determining whether these cheap assets are genuinely undervalued or simply on sale d
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +17.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on STC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for STC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Stewart Information Services Corporation (STC) ranks #515 by composite RQD confidence (57/100, grade D+) and #505 by equity capitalization ($1.39B). Within this direct 5-issuer industry benchmark cohort, STC leads on earnings valuation at 12.0x trailing P/E, while LIFE leads on capital efficiency and profitability with 40.6% ROIC and — gross margin. TWFG currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with STC at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| STC
ACTIVE
Stewart Information Services Corporation | D+ | 57/100 | 12.0x | — | 5.6% | -2.15% | $1.39B | Benchmark Subject |
| TWFG TWFG Inc. (Class A) | C+ | 69/100 | — | — | 39.8% | -0.70% | $1.47B | /twfg-vs-stc → |
| GSHD Goosehead Insurance Inc. (Class A) | C- | 59/100 | 60.7x | — | 36.9% | +0.07% | $1.69B | /gshd-vs-stc → |
| OIG Orion180 Insurance Group Inc. (Class A) | D+ | 52/100 | — | — | — | -0.41% | $974.5M | /oig-vs-stc → |
| LIFE Ethos Technologies Inc. (Class A) | C+ | 69/100 | 39.8x | — | 40.6% | -0.53% | $2.83B | /life-vs-stc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Stewart Information Services Corporation (STC) reported GAAP revenue of $2.92B (+17.3% vs. FY2024 revenue of $2.49B , and +32.1% cumulative change since FY2023) , GAAP net income of $115.5M, operating cash flow of $205.7M, and free cash flow of $74.2M (+215.3% YoY). On the balance sheet, STC closed FY2025 with $3.25B in total assets against $721.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 9/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.92B | $115.5M | $205.7M | $74.2M | $3.25B | $721.1M |
| FY2024 (FY) | 2024-12-31 | $2.49B | $73.3M | $135.6M | $23.5M | $2.73B | $593.6M |
| FY2023 (FY) | 2023-12-31 | $2.21B | $30.4M | $83.0M | -$16.5M | $2.65B | $621.2M |
As of 2026-11-02, Stewart Information Services Corporation (NYSE: STC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $44.50 (-2.15% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, STC ranks #515 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), STC carries a Roarable D+ (57/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 5.6%. By comparison, TWFG (TWFG Inc. (Class A)) holds a C+ grade (69/100 RQD, P/E N/A, ROIC 39.8%, cap $1.47B) and GSHD (Goosehead Insurance Inc. (Class A)) posts a C- grade (59/100 RQD, P/E 60.7x, ROIC 36.9%, cap $1.69B). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while LIFE leads on capital efficiency (40.6% ROIC).
Per STC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000094344), Stewart Information Services Corporation generated $2.92B in revenue (+17.3% YoY), $115.5M in net income, and $74.2M in free cash flow against $3.25B in total assets and $721.1M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
STC last traded at $44.50 (-2.15% on volume of 2,375,227 shares), positioning the stock -22.27% below its 50-day simple moving average ($57.25) and -31.03% below its 200-day simple moving average ($64.52). Across its 52-week range of $42.66 to $78.61, STC sits at the 5.1% percentile with a 14-day RSI of 33.4 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($40.54 to $48.46).
Why STC Stock dropped -2.15% Today — RQD Quant Desk Flash. Stretched risk/reward at 12x P/E (6% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, STC scores 57 out of 100, grading D+ with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 14 of 20 (ROIC 5.6%; FCF yield 5.35%), Whale 13F Flow at 5 of 20 (institutional accumulation and options positioning), Insider Conviction at 17 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 6 of 20 (Beta 1.02; sector sensitivity), and Forensic Balance Sheet at 15 of 20 (Altman Z 2.5; Piotroski F 9/9; Debt/Equity 0.5).
For a prospective investor, the composite reading is that the balance sheet and insider-activity pillars are the strongest components, while institutional flow and macro-regime fit are the weakest. Per the rating, the fundamental cash engine is only moderate, with a 5.6% ROIC. The FCF yield of 5.35% and dividend yield of 4.21% are the main upside-support metrics cited, while the low Whale 13F Flow score signals limited institutional accumulation as a near-term tailwind. The verdict's emphasis on "Trim" reflects the rating's overall weighting rather than any valuation call. Valuation tradeoffs visible in the market data include a TTM P/E of 12 and forward P/E of 10.1, which look modest on their face, but these must be weighed against a thin 4% net margin and 4.8% operating margin.
Stewart Information Services Corporation is a NYSE-listed issuer classified in the Financials sector and Specialty Insurers industry, per the profile. Not available in source data for detailed product lines, customer segments, or revenue mix. The company's reported revenue of $2921.6M for FY 2025 is shown in the SEC financials, but the source does not describe what it sells or to whom. Not available in source data for how the company monetizes its operations beyond the reported financial lines.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $2921.6M | $136.3M | $115.5M | N/A | $74.2M | $321.8M | $721.1M |
| FY 2024 | $2490.4M | $86.5M | $73.3M | N/A | $23.5M | $216.3M | $593.6M |
| FY 2023 | $2212.2M | $35.9M | $30.4M | N/A | $-16.5M | N/A | $621.2M |
Per the SEC financials, revenue, operating income, net income, and FCF all rose across the three reported periods, with FY 2023 FCF negative at $-16.5M and FY 2025 at $74.2M. Per the market data, the operating margin is 4.8%, net margin 4%, and ROIC 5.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 9/9, with Debt/Equity at 0.5. Gross margin is listed as 0%, which the source does not further explain. Not available in source data for EPS in any reported period.
The recent news wire contains six items, all tagged to STC with a YELLOW signal light under the MARKET WIRE impact label:
The disappointing-quarter headline is the most negative signal, while the director purchase is the most constructive. Per the butterfly supply-chain graph, the sector is Financials, industry is Specialty Insurers, supply chain is NONE, and no butterfly links or proprietary signals are present. Not available in source data for the content of the earnings-call remarks or the quarterly figures behind the disappointment headline.
Not available in source data for analyst consensus or price targets.
Not available in source data for institutional 13F holder positions.
Per the holders section, no holder data is provided. The only insider-related item in the source is the news headline that a director bought 2,000 shares at $47.30, though the Insider Conviction pillar of the RQD rating (17 of 20) references SEC Form 4 and Congressional PTR cluster flow without itemized trades in the source.
Real-time company headlines, analyst actions, and sector developments for Stewart Information Services Corporation (STC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
Welcome to the STC (Stewart Information Services Corporation) Roar Pit. Current RQD Composite is 57/100 (Roarable Sell — Weak Fundamentals / Trim) in Specialty Insurers. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on STC, but look at what you are paying: 12.0x trailing P/E with tightening sector spreads. Unless Stewart Information Services Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on STC, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $45.48 (52-wk range $42.66 - $78.61), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).