US · STC
Stewart Information Services Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Houston, TX 77056
- Website
- stewart.com
Price · as of 2025-12-31
$69.10
Market cap 2.12B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $153.47 | +122.1% |
| Intrinsic Value(DCF) | $62.51 | -9.54% |
| Graham-Dodd Method(GD) | $32.61 | -52.81% |
| Graham Formula(GF) | $98.58 | +42.67% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.49 | $100.54 | $5.52 | $12.22 | $0.74 |
| 2012 | $17.63 | $92.50 | $18.05 | $44.90 | $136.94 |
| 2013 | $26.66 | $106.18 | $26.47 | $31.96 | $25.92 |
| 2014 | $28.29 | $120.54 | $26.32 | $23.12 | $6.52 |
| 2015 | $24.28 | $82.21 | $15.34 | $4.69 | $0.00 |
| 2016 | $32.83 | $83.89 | $30.58 | $12.15 | $16.13 |
| 2017 | $32.02 | $86.27 | $31.21 | $11.18 | $11.71 |
| 2018 | $34.35 | $96.71 | $14.53 | $10.12 | $11.78 |
| 2019 | $31.41 | $76.62 | $20.32 | $19.75 | $32.17 |
| 2020 | $46.42 | $124.44 | $34.42 | $35.93 | $157.66 |
| 2021 | $57.46 | $186.81 | $2,093.75 | $53.08 | $609.75 |
| 2022 | $35.76 | $136.44 | $777.01 | $15.87 | $7.44 |
| 2023 | $57.81 | $100.56 | $1.54 | $0.00 | $0.00 |
| 2024 | $66.85 | $102.16 | $11.10 | $0.00 | $47.97 |
| 2025 | $69.95 | $153.47 | $5.91 | $32.61 | $98.58 |
AI valuation
Our deep-learning model estimates Stewart Information Services Corporation's (STC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $153.47
- Current price
- $69.10
- AI upside
- +122.1%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$62.51
-9.54% upside
Graham-Dodd
$32.61
-52.81% upside
Graham Formula
$98.58
+42.67% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| STC | Stewart Information Servi… | $69.10 | 2.12B | +122% | -10% | -53% | +43% | 17.58 | 1.24 | 0.70 | 10.77 | 32.09 | 46.18 | 87.72% | 5.67% | 3.96% | 7.59% | 6.64% | 3.86% | 0.54 | 8.10 | — | — | 2.36 | 5479.00% | 1732.00% | 11619.00% | 10.13% | — | 10.50% | 0.00% | 0.00% | 0.00% | 15.71 | 12.64 | 0.89 | 2.45 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| HMN | Horace Mann Educators Cor… | $43.51 | 1.77B | +126% | -42% | +24% | +57% | 11.39 | 1.25 | 1.09 | — | 19.89 | 1.99 | 100.00% | 77.11% | 9.53% | 11.70% | -90.15% | 1.09% | 0.40 | 36.04 | — | — | — | 5726.00% | 974.00% | -7832.00% | 5.31% | — | -8.36% | 0.00% | 0.00% | 0.00% | -2.52 | -33.70 | -1.94 | 0.63 |
| LC | LendingClub Corporation | $14.91 | 1.72B | -39% | +10% | +22% | +77% | 12.79 | 1.16 | 1.30 | -5.36 | 8.22 | 1.22 | 64.71% | 25.00% | 10.17% | 9.55% | -28.35% | 1.22% | 0.00 | 0.99 | — | — | -0.03 | 15556.00% | 1497.00% | 665.00% | -165.19% | — | 317.73% | 0.00% | 0.00% | 0.00% | -5.94 | 0.69 | -1.49 | 0.68 |
| NIC | Nicolet Bankshares, Inc. | $152.76 | 2.26B | -29% | -4% | -41% | -6% | 15.51 | 1.86 | 4.23 | 9.69 | 72.18 | 2.67 | 69.47% | 33.83% | 27.27% | 12.40% | 27.63% | 1.68% | 0.11 | 1.14 | 0.95 | 0.95 | -2.81 | 2149.00% | 639.00% | 2748.00% | 6.39% | 0.02 | 27.40% | 0.80% | 12.40% | 10.48% | 9.69 | 12.13 | 3.28 | 0.36 |
| OFG | OFG Bancorp | $40.08 | 1.73B | -17% | -11% | -17% | +40% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| PACS | PACS Group, Inc. | $36.51 | 5.67B | -16% | +207% | -68% | +22% | — | 6.24 | 1.12 | 24.36 | — | 6.72 | 21.92% | 5.85% | 3.62% | 0.00% | 5.21% | 0.00% | 3.38 | 10.92 | 1.07 | 0.90 | 8.21 | 22105.00% | 2932.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | — | 0.00% | 28.76 | — | 1.68 | 1.99 |
| SKWD | Skyward Specialty Insuran… | $46.47 | 1.88B | +54% | +1,853% | -29% | +124% | 16.19 | 2.42 | 1.68 | 5.24 | 57.57 | 2.72 | 28.57% | 13.31% | 10.35% | 16.33% | -28.78% | 3.56% | 0.15 | 16.08 | 6.41 | 5.90 | -0.01 | 2812.00% | 2817.00% | -1019.00% | 15.64% | 0.76 | -72.88% | 0.00% | 0.00% | 3.37% | 5.68 | 2.89 | 0.76 | 1.57 |
| SLDE | Slide Insurance Holdings,… | $19.00 | 2.36B | — | — | -39% | +624% | — | — | — | — | — | — | 49.78% | 31.88% | 23.75% | 59.97% | -269.35% | 13.37% | 0.11 | 71.92 | — | — | -1.57 | 13000.00% | 8074.00% | 2521.00% | — | — | -728.27% | — | 0.00% | — | — | — | — | — |
| WT | WisdomTree, Inc. | $17.11 | 2.41B | +122% | +250% | -80% | +4% | 22.54 | 5.95 | 4.98 | 16.84 | 17.71 | -4.36 | 72.12% | 35.28% | 22.10% | 26.83% | 16.73% | 8.57% | 2.31 | 5.73 | 1.75 | 1.71 | 3.62 | 12727.00% | 1543.00% | 3170.00% | 6.07% | 0.53 | 18.68% | 0.70% | 15.90% | 4.88% | 17.21 | 20.08 | 6.07 | 2.42 |
About Stewart Information Services Corporation
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. The company operates in two segments, Title, and Ancillary Services and Corporate. The Title segment is involved in searching, examining, closing, and insuring the condition of the title to real property. This segment also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders, as well as mortgage lenders, servicers, brokers, and investors. The company operates in the United States, Canada, the United Kingdom, and Australia. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.
- CEO
- Frederick Henry Eppinger Jr.
- Employees
- 6.8K
- Beta
- 1.03
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($62.51 ÷ $69.10) − 1 = -9.54% (DCF, example).