Stewart Information Services has achieved a perfect 4-for-4 earnings beat record with an average positive surprise of 26%, trades at a forward price-to-earnings ratio of 8.7x against 28% year-over-year revenue growth, and ranks as an industry growth leader, though it remains below its long-term moving average and its price target provides only narrow upside at current entry.
Thesis pillars
- Piotroski Perfect Quality Moat↓Deteriorating
- Exceptional Earnings Beat Streak↓Deteriorating
- Industry Growth Leader 28pct↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 27, 2026
Stewart Information Services Co (STC) Stock Analysis
Oversold Bounce setup · Inst Constrain edge
Financial Services · Insurance - Property & Casualty
Sell if holding. Multiple concerning factors at $44.30: Consecutive earnings misses (2); V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
Stewart Information Services underwrites title insurance and provides real estate settlement services through direct operations and a network of independent agents in the U.S. and select international markets. Revenue comes from title insurance premiums and real estate solutions... Read more
Sell if holding. Multiple concerning factors at $44.30: Consecutive earnings misses (2); V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: Oversold RSI 27, near Bollinger lower, volume surge. Score 6.5/10, moderate confidence.
Passes 7/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, earnings proximity 97d clear, semi cycle peak clear, materials cycle peak clear). Fails on death cross (50MA < 200MA). Suitability: speculative.
About Stewart Information Services Co
About Stewart Information Services Co
Stewart Information Services ranks among the top U.S. title insurance underwriters by statutory premiums for the nine months ended September 30, 2025, operating through three segments — title insurance, real estate solutions, and corporate — with approximately 7,800 employees, around 6,000 in the United States and 1,800 internationally. The company maintains regional offices in Australia, Canada, and the United Kingdom and is headquartered in Houston, Texas. Principal underwriter Stewart Title Guaranty Company holds an 'A-' financial-strength rating from both Fitch Ratings and A.M. Best.
Stewart earns premiums when real estate transactions close, with the title segment generating one-time premiums per policy — written for lenders (required by most U.S. lenders as a condition of origination) and for property owners, covering losses from pre-existing title defects discovered after closing. The real estate solutions segment adds fee-based revenue through credit and data services, property preservation, valuation management, online notarization (NotaryCam), and search services delivered primarily to mortgage lenders and servicers. Major competitors — Fidelity National Financial (through Fidelity National Title and Chicago Title), First American, and Old Republic — each holds substantially greater gross revenues than Stewart, creating competition on service, technology, and scale for commercial and residential mandates. A significant share of title policies are issued through independent agents who operate with substantial independence from Stewart, creating an additional layer of underwriting execution risk.
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Stewart's revenue is structurally tied to mortgage origination volumes, which the 10-K notes have historically been influenced by mortgage interest rates, inventory, affordability, availability of financing, and overall economic conditions. Title premiums are earned at individual transaction closings rather than under recurring contracts, providing no contractual revenue floor when housing activity contracts. The 10-K also flags that the first quarter is typically the least active period for title revenues, and the second and third quarters are most active, reinforcing the cyclical and transaction-dependent nature of the revenue stream.
See also: Financial Services · Insurance - Property & Casualty
From Stewart Information Services Co's most recent 10-K filing, extracted June 11, 2026.
Recent developments
updated 2026-10-29Recent Developments — Stewart Information Services Co
Latest news
- NEWS Stewart Information Services (STC) to report earnings tomorrow: Here is what to expect - MSN — MSN positive
- NEWS Don't Ignore The Insider Selling In Stewart Information Services - simplywall.st — simplywall.st negative
- NEWS Profitable STC announces first-quarter dividend of $720m - Arabian Gulf Business Insight | AGBI — Arabian Gulf Business Insight | AGBI positive
- NEWS Is Stewart Information Services Corp (STC) Undervalued After Sol - GuruFocus — GuruFocus positive
- NEWS STEWART INFORMATION SERVICES ($STC) Releases Q2 2026 Earnings - Quiver Quantitative — Quiver Quantitative neutral
Generated 2026-10-29T11:08:52Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 ceiling hit
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Verdict History
Frequently Asked Questions
Sell if holding. Multiple concerning factors at $44.30: Consecutive earnings misses (2); V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: Oversold RSI 27, near Bollinger lower, volume surge. Prior stop was $41.38. Score 6.5/10, moderate confidence.
Analyst target: $59.29 (+33.8% upside). Prior stop was $41.38. Stop-loss: $41.38.
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3); Consecutive earnings misses (2); Below 200-MA, MA slope -3.9%/30d (confirmed downtrend).
Stewart Information Services Co trades at a P/E of 11.1 (forward 7.7). TrendMatrix value score: 9.2/10. Verdict: Sell.
10 analysts cover STC with a consensus score of 3.8/5. Average price target: $70.
What does Stewart Information Services Co do?Stewart Information Services underwrites title insurance and provides real estate settlement services through direct...
Stewart Information Services underwrites title insurance and provides real estate settlement services through direct operations and a network of independent agents in the U.S. and select international markets. Revenue comes from title insurance premiums and real estate solutions fees, serving lenders, homebuyers, and commercial real estate professionals through approximately 7,800 employees globally.