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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
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.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Stewart Information Services Corporation (STC) surged +2.76% to $45.73, trading at 9% of its 52-week range ($42.66 – $78.61). Stretched risk/reward at 12x P/E (6% return on capital) under elevated 10-year interest-rate pressure.
Yahoo! Finance Canada report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
AI-driven title search automation and commercial expansion are Stewart's levers to sustain margins through a prolonged housing slowdown.
The low valuation multiples for value stocks provide a margin of safety that growth stocks rarely offer. However, the challenge lies in determining whether these cheap assets are genuinely undervalued or simply on sale d
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +17.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on STC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for STC. Explore sector supply chains on /butterfly.
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 → |
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 |
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.
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).
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.
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).
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).
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.
Investors should note that the sector classification (Financials / Specialty Insurers) is the only context available.
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Yahoo! Finance Canada report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Stewart Information Services Corporation (STC) market action, institutional positioning, and fundamental catalysts.
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
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.
@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.
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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