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

Per the Roarable RQD rating, STC scores 57 out of 100, grading D+ with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 14 of 20 (ROIC 5.6%; FCF yield 5.35%), Whale 13F Flow at 5 of 20 (institutional accumulation and options positioning), Insider Conviction at 17 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 6 of 20 (Beta 1.02; sector sensitivity), and Forensic Balance Sheet at 15 of 20 (Altman Z 2.5; Piotroski F 9/9; Debt/Equity 0.5).

For a prospective investor, the composite reading is that the balance sheet and insider-activity pillars are the strongest components, while institutional flow and macro-regime fit are the weakest. Per the rating, the fundamental cash engine is only moderate, with a 5.6% ROIC. The FCF yield of 5.35% and dividend yield of 4.21% are the main upside-support metrics cited, while the low Whale 13F Flow score signals limited institutional accumulation as a near-term tailwind. The verdict's emphasis on "Trim" reflects the rating's overall weighting rather than any valuation call. Valuation tradeoffs visible in the market data include a TTM P/E of 12 and forward P/E of 10.1, which look modest on their face, but these must be weighed against a thin 4% net margin and 4.8% operating margin.

Stewart Information Services Corporation is a NYSE-listed issuer classified in the Financials sector and Specialty Insurers industry, per the profile. Not available in source data for detailed product lines, customer segments, or revenue mix. The company's reported revenue of $2921.6M for FY 2025 is shown in the SEC financials, but the source does not describe what it sells or to whom. Not available in source data for how the company monetizes its operations beyond the reported financial lines.

Per the SEC financials, revenue, operating income, net income, and FCF all rose across the three reported periods, with FY 2023 FCF negative at $-16.5M and FY 2025 at $74.2M. Per the market data, the operating margin is 4.8%, net margin 4%, and ROIC 5.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 9/9, with Debt/Equity at 0.5. Gross margin is listed as 0%, which the source does not further explain. Not available in source data for EPS in any reported period.

The recent news wire contains six items, all tagged to STC with a YELLOW signal light under the MARKET WIRE impact label:

• A Yahoo! Finance Canada report on market action, institutional positioning, and fundamental catalysts (1 hour before data timestamp).
• A Seeking Alpha headline stating that recent results show another quarter of disappointment for the company (3 hours before).
• A TradingView write-up on what the company said on its Q3 earnings call (6 hours before).
• A Yahoo Finance Q3 earnings snapshot (9 hours before).
• A MarketBeat piece on what investment firms are thinking about the stock (12 hours before).
• A Stock Titan report that a director bought 2,000 shares at $47.30 (15 hours before).

The disappointing-quarter headline is the most negative signal, while the director purchase is the most constructive. Per the butterfly supply-chain graph, the sector is Financials, industry is Specialty Insurers, supply chain is NONE, and no butterfly links or proprietary signals are present. Not available in source data for the content of the earnings-call remarks or the quarterly figures behind the disappointment headline.

Not available in source data for analyst consensus or price targets.

Not available in source data for institutional 13F holder positions.

Per the holders section, no holder data is provided. The only insider-related item in the source is the news headline that a director bought 2,000 shares at $47.30, though the Insider Conviction pillar of the RQD rating (17 of 20) references SEC Form 4 and Congressional PTR cluster flow without itemized trades in the source.

• What drove the disappointing-quarter headline, and what were the actual quarterly revenue, earnings, and margin figures?
• What are STC's product lines, customer segments, and revenue mix within Specialty Insurers?
• Why is EPS reported as N/A for all three periods, and how does that reconcile with the TTM EPS of 3.79?
• What is the source of the gross margin figure of 0%, and does it reflect the company's reporting structure?
• What do the SEC Form 4 and Congressional PTR filings specifically contain, given that the Insider Conviction score is high but no transactions are itemized?