Stewart Information Services Corp (STC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Stewart Information Services Corp stock $25.62, price $47.00, that is 45.5% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $31.88 – $74.77 · fair‑value band $19.21 – $32.02 · the $47.00 price screens above the $25.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services in the United States and internationally. The company engages in searching, examining, closing, and insuring the condition of the title to real property.
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It also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services.
In addition, the company provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation management services.
It serves homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies and real estate attorneys, and home builders through direct operations, network of independent agencies, and other businesses.
Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.
Stock analysis
Stewart Information Services Corp (STC) currently trades at $47.00, while our model-based Fair Value estimate is $25.62, 45% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $42.06 per share, and 1 of the 6 models we run sit above the $47.00 price.
Bear case: the Dividend Discount group reads lowest at $21.82, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $19.21 (bear) to $32.02 (bull), the price of $47.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Stewart Information Services Corp reported revenue of $2.9B in FY2025 versus $3.3B in FY2021, a compound −3.0%/yr. Reported net income was $116M in FY2025, compounding −22.7%/yr from FY2021.
Key figures
Market cap $1.5B Small · P/E ratio 11.8 · P/S ratio 0.43 · EPS (TTM) $4.00 · Dividend yield 1.1% · Net margin 3.6% · Return on equity 8.6% · Return on assets (EBIT) 7.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 37% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −45%, STC screens richer than that median.
Fair Value models
Bear$19.21Fair Value $25.62Bull$32.02
Price $47.00 · Downside -45.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.98 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 5 officers or directors bought shares worth $524,839, most recently on Oct 26, 2026. Over the same period, one person sold shares worth $103,740. Buying cluster
BuyFrederick H EppingerChief Executive Officer, Director3,000 shares at $44.45$133,350Oct 26, 2026
BuyDeborah Jane MatzDirector1,000 shares at $43.91$43,910Oct 23, 2026
BuyC Allen Bradley JrDirector4× since Mar 10, 2026: 5,000 shares, avg. $57.32$286,577Oct 23, 2026
BuyWilliam S. Corey Jr.Director2,000 shares at $46.82$93,640Oct 23, 2026
BuyThomas G ApelDirector2,000 shares at $47.74$95,470Oct 23, 2026
SaleBrian GlazePAO1,500 shares at $69.16$103,740Aug 21, 2026
SaleDavid C HiseyChief Financial Officer10,992 shares at $71.28$783,455Apr 24, 2026
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.64/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+17.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Start year 2020 (pandemic). Over 10 years: +3.7% a year
Revenue growth 40 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−4.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.9%
Dividend (yield on the price)1.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8.5% vs 8.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 6%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+7.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +5.0% a year for the price.
News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks
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Cite: Fair Value Calculator (2026). "Stewart Information Services Corp Fair Value". https://www.fairvalue-calculator.com/stock/STC
Frequently asked questions
Is Stewart Information Services Corp (STC) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $25.62 versus a price of $47.00, about 45% lower (overvalued).
What is the fair value of STC?
Our model-based fair value for Stewart Information Services Corp is $25.62 (as of Nov 7, 2026), built from audited fundamentals. The current price: $47.00.
What is the quality score of STC?
Stewart Information Services Corp has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Stewart Information Services Corp (STC)?
Our model-based price target is the fair value of $25.62 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $19.21, optimistic scenario $32.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Stewart Information Services Corp stock forecast for 2026?
Our models put fair value at $25.62, about 45% lower versus a price of $47.00 (overvalued). Cautious scenario $19.21, optimistic scenario $32.02. The calculation is refreshed regularly with new filings.
What is the revenue of Stewart Information Services Corp (STC)?
Stewart Information Services Corp reported trailing-twelve-month revenue of about $3.4B (latest available figure, as of Nov 7, 2026).
Does Stewart Information Services Corp pay a dividend?
Stewart Information Services Corp currently shows a dividend yield of 1.12% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Stewart Information Services Corp (STC) and when is the ex-dividend date?
Stewart Information Services Corp pays a dividend of $0.525 per share a year, a dividend yield of 1.1%. The last ex-dividend date was Sep 15, 2026. A dividend has been paid every year since 2003. The payout ratio is 11.4% of earnings (on adjusted earnings, reported 13.1%). Free cash flow covers the dividend 8.25 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Stewart Information Services Corp (STC)?
For today's price to be fair in a discounted-cash-flow model, Stewart Information Services Corp would have to grow free cash flow by +7.5 % per year for five years (discount rate 11.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.0 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of STC use?
Our models discount Stewart Information Services Corp at 11.4 %: a base by market capitalisation (small), damped by beta 1.05, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Stewart Information Services Corp that is +7.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.4 %) and the same formula as our fair value.
How much growth has Stewart Information Services Corp (STC) delivered so far?
Over the past 5 years revenue at Stewart Information Services Corp grew +5.0 % a year. The price currently implies free-cash-flow growth of +7.5 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Stewart Information Services Corp (STC) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Stewart Information Services Corp (+7.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Stewart Information Services Corp (STC)?
The free-cash-flow yield on the price is 9.12 %: that much free cash flow Stewart Information Services Corp produces per unit of market value. When it exceeds the discount rate of our models (11.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Stewart Information Services Corp (STC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Stewart Information Services Corp it is $25.62 per share (as of Nov 7, 2026), against a price of $47.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Stewart Information Services Corp stock overvalued or undervalued in 2026?
As of Nov 7, 2026, STC trades above its calculated fair value: price $47.00, fair value $25.62, a gap of about −45% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of STC?
No. The price is what the market pays today ($47.00); the fair value is what the company's own numbers justify ($25.62). For Stewart Information Services Corp the two are $21.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Stewart Information Services Corp worth?
The market values Stewart Information Services Corp at about $1.5B (market capitalisation, as of Nov 7, 2026). Per share that is $47.00; our models calculate a fair value of $25.62 per share.
What do the bullish and bearish scenarios say about STC?
Our models span a range for Stewart Information Services Corp: cautious scenario $19.21, base $25.62, optimistic $32.02 per share (as of Nov 7, 2026, price $47.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of STC?
Stewart Information Services Corp trades at a price-to-earnings ratio of 11.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $25.62 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.3 (reported for FY2025: 11.8). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 8 of the years ex one-offs: 16.9. Other multiples: PEG 3.7, P/B 0.9, P/S 0.4, EV/EBITDA 6.4.
What is the PEG ratio of STC?
The PEG ratio of Stewart Information Services Corp is 3.71 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Stewart Information Services Corp (STC)?
Balance-sheet figures for Stewart Information Services Corp (as of Nov 7, 2026): return on equity 8.6%, debt of 0.39 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is STC from its 52-week high?
Stewart Information Services Corp trades at $47.00, about 37% below its 52-week high of $74.77 and 9% above the low of $42.96 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $25.62 is for.
Which stocks are comparable to Stewart Information Services Corp?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Stewart Information Services Corp stock attractive at the current price?
The data as of Nov 7, 2026: price $47.00, calculated fair value $25.62 (−45%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of STC calculated?
We run Stewart Information Services Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $25.62 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Stewart Information Services Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Stewart Information Services Corp (STC)?
The closing price on Nov 6, 2026 was $47.00. Our model-based fair value is $25.62, about 45% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Stewart Information Services Corp right now?
The price sits above even our optimistic bull case ($32.02). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Stewart Information Services Corp (STC) come from?
Earnings per share at Stewart Information Services Corp grew +4.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.3 %, EBIT margin +2.3 %, tax rate +0.3 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Stewart Information Services Corp
How large is the market capitalisation of Stewart Information Services Corp (STC)?
The market capitalisation of Stewart Information Services Corp is $1.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Stewart Information Services Corp (STC)?
The price-to-sales ratio of Stewart Information Services Corp is 0.43 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Stewart Information Services Corp (STC)?
Earnings per share at Stewart Information Services Corp are $4.00 (price ÷ EPS = P/E 11.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Stewart Information Services Corp (STC)?
The dividend yield of Stewart Information Services Corp is 1.1% (payout 11.4%, on adjusted earnings, reported 13.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Stewart Information Services Corp (STC)?
The net margin of Stewart Information Services Corp is 3.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Stewart Information Services Corp (STC)?
The return on equity (ROE) of Stewart Information Services Corp is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Stewart Information Services Corp (STC)?
On an EBIT basis the return on assets of Stewart Information Services Corp is 7.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Stewart Information Services Corp (STC)?
The operating margin of Stewart Information Services Corp is 5.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Stewart Information Services Corp (STC)?
Revenue at Stewart Information Services Corp is growing +13.0% versus a year earlier (3y avg −1.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Stewart Information Services Corp (STC)?
Earnings per share at Stewart Information Services Corp are growing −36.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Stewart Information Services Corp (STC) carry?
The net debt of Stewart Information Services Corp is $447M (fiscal year 2025, ≈ 3.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 7, 2026