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Stock Ratings / Financials / STC
TWFG (68) GSHD (59) OIG (51) LIFE (70) ⌘ Pro Terminal →

Stewart Information Services Corporation (STC) — RQD Stock Rating Cockpit

$45.73 +2.76% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.87

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.

ROARABLE D+ • SELL / AVOID Cap $1.36B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on STC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is STC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, 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 $45.73 (+2.76% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, STC ranks #483 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does STC compare to TWFG and GSHD in the Financials sector?
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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 (68/100 RQD, P/E N/A, ROIC 39.8%, cap $1.46B) 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for STC?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $45.87 (+0.31%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 2.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk D+
Cash (14)Whales (5)SEC (15)Macro (6)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE-0.5% Base Target
$83 Bull$46 Base$36 Bear
📬 FREE STC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for STC)Realized 20D OHLCV Swing Band: ±8.9%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY STC SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$50.84+3.4% Next Q
Q2 (-2Q)
62
Grade C+$52.57-15.7% Next Q
Q3 (-1Q)
60
Grade C$44.30+3.2% Next Q
Current
57
Grade D+$45.73-0.2% Hist 90D α
Trajectory: C+ (65) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the STC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($56.75) or 200D SMA ($64.41) invalidates the momentum regime and cuts Target Base ($45.52) toward Bear Floor ($35.51).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $STC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “STC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
31.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
9 / 99-Pt Accounting
52-WEEK LASER RANGE9% OF RANGE
L: $43$45.73H: $79
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on STC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

5.6% ROIC with 42.0% gross margin and 5.35% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 9/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (47)

22/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like STC
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring STC)

  • ✓Walkthrough of STC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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STC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -32.95%▼ DESCENDING CHANNEL
2026-11-03O $45.48H $45.73L $44.50C $45.73VOL 2.38M
RES: $66.34SUP: $41.68SMA50: $56.75SMA200: $64.41
$75.90$66.89$57.88$48.87$39.86RES $66.34SUP $41.68$45.732026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

STC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 STC Butterfly Map → + Track STC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.5%/yr Implied 5Y Growth

vs. +17.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on STC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for STC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for STC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (STC)

Financials Rank #483 of 1097 ⚔️ TWFG vs STC Full Matrix →

1. Head-to-Head Financials Peer Comparison (STC vs. TWFG, GSHD, OIG, LIFE)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Stewart Information Services Corporation (STC) ranks #483 by composite RQD confidence (57/100, grade D+) and #505 by equity capitalization ($1.36B). 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. LIFE currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) 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% +2.76% $1.36B Benchmark Subject
TWFG
TWFG Inc. (Class A)
C+ 68/100 — — 39.8% +6.08% $1.46B /twfg-vs-stc →
GSHD
Goosehead Insurance Inc. (Class A)
C- 59/100 60.7x — 36.9% +7.87% $1.69B /gshd-vs-stc →
OIG
Orion180 Insurance Group Inc. (Class A)
D 51/100 — — — +2.04% $970.5M /oig-vs-stc →
LIFE
Ethos Technologies Inc. (Class A)
B- 70/100 39.8x — 40.6% -1.77% $2.82B /life-vs-stc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000094344 ↗

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

3. STC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is STC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, 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 $45.73 (+2.76% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, STC ranks #483 in composite RQD confidence.

How does STC compare to TWFG and GSHD in the Financials sector?

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 (68/100 RQD, P/E N/A, ROIC 39.8%, cap $1.46B) 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).

What are the biggest fundamental strengths and SEC risk factors for STC?

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.

Where is STC trading relative to its 50-day, 200-day, and 52-week technical levels?

STC last traded at $45.73 (+2.76% on volume of 907,227 shares), positioning the stock -19.42% below its 50-day simple moving average ($56.75) and -29.00% below its 200-day simple moving average ($64.41). Across its 52-week range of $42.66 to $78.61, STC sits at the 8.5% percentile with a 14-day RSI of 31.3 (OVERSOLD (<32)) and an implied next-earnings move of ±8.9% ($41.66 to $49.80).

Direct Sub-Reports: STC RQD Cockpit STC 12M Forecast STC Earnings & Move STC Dividends & DRIP STC Insiders & 13F STC Whale Options STC Profit Sankey STC News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ SEC XBRL & RQD VERIFIED

STC — Stewart Information Services Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Stewart Information Services Corporation (STC) earns a live Roarable RQD composite score of 57/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $45.73 (+2.76% 1D, market capitalization $1.36B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 5.6%, gross margin of —, operating margin of 4.8%, and free cash flow yield of 5.35%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (15/20): Incorporates a 1.02x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 9/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Stewart Information Services Corporation is a NYSE-listed issuer classified in the Financials sector and Specialty Insurers industry,. — for detailed product lines, customer segments, or revenue mix. The company's reported revenue of $2.92B for FY 2025 is shown in the SEC financials, but the source does not describe what it sells or to whom. — for how the company monetizes its operations beyond the reported financial lines.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Stewart Information Services Corporation (STC) reported $2.92B in annual revenue (up from $2.49B in FY2024, +17.3% YoY) and $115.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.21B revenue, $30.4M net income) through FY2025, STC scaled operating cash flow to $205.7M and free cash flow to $74.2M, backed by $3.25B in total assets against $721.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 57/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $42.66 – $78.61 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 12.0x trailing P/E and 6.9x EV/EBITDA against 4.8% operating margins and a 1.02x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Investors should note that the sector classification (Financials / Specialty Insurers) is the only context available.

  • Key Question #1: Can STC sustain or expand its 4.8% operating margin and 5.6% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.92B and free cash flow of $74.2M, how will capital allocation balance growth reinvestment against $721.1M in total debt?
  • Key Question #3: How sensitive is STC's 10.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.02x)?

STC Live News Feed, Press Releases & Catalyst Wire

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

💬 Jump to STC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

STC Bull vs. Bear Conversation Board — What's Your Call at $45.73?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON STC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on STC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $56.07 (+26.0%)
📌 Pinned Debate

Low forward P/E of 10.1 and a 4.21% dividend yield, backed by a 9/9 Piotroski F-Score and Altman Z of 2.5, offer valuation and balance-

Long STC at $44.50 targeting $56.07. Low forward P/E of 10.1 and a 4.21% dividend yield, backed by a 9/9 Piotroski F-Score and Altman Z of 2.5, offer valuation and balance-sheet support.. Institutional whale score is 5/20 and the risk/reward vs. the $42.66 52-week low is skewed heavily in favor of bulls.

ArenaChamp_24 🐂 BULL

@ForensicBear Fair point on 12.0x trailing P/E, but you're ignoring the forward operating leverage in Specialty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $37.82 (-15.0%)
Spot @ $44.50

Weak 5.6% ROIC, a 4% net margin, and a Whale 13F Flow score of only 5 of 20 signal limited earnings power and institutional support.

Fading this rally in STC at $44.50. Weak 5.6% ROIC, a 4% net margin, and a Whale 13F Flow score of only 5 of 20 signal limited earnings power and institutional support.. With a beta of 1.02 and the stock sitting at $44.50 (52-wk range $42.66–$78.61), the easy multiple expansion is already priced in.

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