STC Financials Stewart Information Services Corp

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Aug 9, 2026, 10:20 UTC Overview →

Growth & profitability

Revenue has grown 5.0% per year over the past 5 years.
Net income has grown slower than revenue (-5.7% vs 5.0% per year).
Free cash flow has declined 12.7% per year over the past 5 years.

Financial health

Total debt ($647M) exceeds cash ($322M); net debt is $325M.
Total debt has grown faster than revenue (44.7% vs 5.0% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 50.6% of earnings and 44.2% of free cash flow.
The dividend has grown 14.1% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$2.9B	$116M	0.0%	0.0%	7.0%	3.6%	$132M	$647M	$322M
2024	$2.5B	$73M	0.0%	0.0%	5.2%	2.7%	$95M	$446M	$216M
2023	$2.3B	$30M	0.0%	0.0%	2.2%	1.1%	$45M	$445M	$233M
2022	$3.1B	$162M	0.0%	0.0%	11.9%	5.9%	$144M	$447M	$248M
2021	$3.3B	$323M	0.0%	0.0%	25.2%	11.5%	$350M	$483M	$486M
2020	$2.3B	$155M	0.0%	0.0%	15.4%	7.8%	$261M	$102M	$433M
2019	$1.9B	$79M	0.0%	0.0%	10.5%	4.9%	$149M	$111M	$331M
2018	$1.9B	$48M	0.0%	0.0%	7.1%	3.5%	$74M	$108M	$192M
2017	$2.0B	$49M	0.0%	0.0%	7.2%	3.5%	$92M	$109M	$150M
2016	$2.0B	$55M	0.0%	0.0%	8.7%	4.1%	$105M	—	$186M
2015	$2.0B	-$6M	0.0%	0.0%	-1.0%	-0.5%	$61M	—	$179M
2014	$1.9B	$30M	0.0%	0.0%	4.3%	2.1%	$44M	—	$201M
2013	$1.9B	$63M	0.0%	0.0%	9.6%	4.8%	$70M	—	$194M
2012	$1.9B	$109M	0.0%	0.0%	19.2%	8.5%	$104M	—	$209M
2011	$1.6B	$2M	0.0%	0.0%	0.5%	0.2%	$6M	—	$141M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$899M	$37M	0.0%	0.0%	2.2%	1.1%	$35M	—	$262M
Mar '26	$781M	$17M	0.0%	0.0%	1.0%	0.5%	-$21M	—	$271M
Dec '25	$791M	$36M	0.0%	0.0%	2.2%	1.1%	$62M	$647M	$322M
Sep '25	$797M	$44M	0.0%	0.0%	3.0%	1.6%	$74M	—	$189M
Jun '25	$722M	$32M	0.0%	0.0%	2.2%	1.1%	$39M	—	$178M
Mar '25	$612M	$3M	0.0%	0.0%	0.2%	0.1%	-$42M	—	$149M
Dec '24	$666M	$23M	0.0%	0.0%	1.6%	0.8%	$56M	$446M	$216M
Sep '24	$668M	$30M	0.0%	0.0%	2.1%	1.1%	$67M	—	$184M
Jun '24	$602M	$17M	0.0%	0.0%	1.3%	0.7%	$12M	—	$133M
Mar '24	$554M	$3M	0.0%	0.0%	0.2%	0.1%	-$40M	—	$138M
Dec '23	$582M	$9M	0.0%	0.0%	0.6%	0.3%	$31M	$445M	$233M
Sep '23	$602M	$14M	0.0%	0.0%	1.0%	0.5%	$46M	—	$203M
Jun '23	$549M	$16M	0.0%	0.0%	1.2%	0.6%	$29M	—	$190M
Mar '23	$524M	-$8M	0.0%	0.0%	-0.6%	-0.3%	-$60M	—	$175M
Dec '22	$656M	$13M	0.0%	0.0%	1.0%	0.5%	$12M	$447M	$248M
Sep '22	$716M	$29M	0.0%	0.0%	2.2%	1.1%	$40M	—	$321M
Jun '22	$844M	$62M	0.0%	0.0%	4.6%	2.2%	$69M	—	$405M
Mar '22	$853M	$58M	0.0%	0.0%	4.4%	2.1%	$23M	—	$397M
Dec '21	$962M	$85M	0.0%	0.0%	6.7%	3.0%	$119M	$483M	$486M
Sep '21	$837M	$89M	0.0%	0.0%	7.3%	3.7%	$97M	—	$608M

Valuation over time

How the market has priced STC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 7.6× (Mar '23) to 12.1× (Nov '26).
The price-to-sales ratio has risen from 0.4× (Mar '23) to 0.5× (Nov '26).
The dividend yield has risen from 3.6% (Mar '23) to 4.2% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is STC growing its revenue and profit?

Over the past 5 years, Stewart Information Services Corp's revenue has grown 5.0% per year, and net income declined 5.7% per year. These are computed facts, not advice.

How much debt does STC have?

As of FY2025, Stewart Information Services Corp reported $647M of total debt against $322M of cash.

What is STC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 4.0%.

What is STC's P/E ratio?

Stewart Information Services Corp's P/E (TTM) is 10.36 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the STC stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 12.1× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.