Stewart Information Services Corporation (STC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

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,. — 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.

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%. 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. — for EPS in any reported period.

• 🐂 Primary Bull Case: 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. With Fundamental Cash Engine at 14/20 (ROIC 5.6%, FCF yield 5.35%) and Institutional Whale Flow at 5/20, sustained execution supports upside toward the top of the $42.66 – $78.61 52-week range.
• 🐻 Primary Bear Case: 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. Investors must weigh 12.0x trailing P/E and 6.9x EV/EBITDA against 4.8% operating margins and a 1.02 macro beta if sector demand softens.

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

• Key Question #1: What drove the disappointing-quarter headline, and what were the actual quarterly revenue, earnings, and margin figures?
• Key Question #2: What are STC's product lines, customer segments, and revenue mix within Specialty Insurers?
• Key Question #3: Why is EPS reported as N/A for all three periods, and how does that reconcile with the TTM EPS of 3.79?