Stewart Information Services Corporation (STC), Discounted Cash Flow Valuation

شركة ستيوارت لخدمات المعلومات (STC) Profile

US | Financial Services | Insurance - Property & Casualty | NYSE
65.28 0.12 (0.18%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
1.83B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
2.49B
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
73.31M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
28.28M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
2.6
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
25.43
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
2.89%
Exchange Name of stock exchange where the trading item trades.
NYSE
Avg Volume The average number of shares traded each day over the past 30 days.
178.51K
Open The opening trade price over the trading day.
65.36
Previous Close The last closing price.
65.16
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
1.07
1 day delta The range between the high and low prices over the past day.
64.99-66.27
52 weeks The range between the high and low prices over the past 52 weeks.
58.46-78.44

Total Valuation

Stewart Information Services Corporation has a market cap or net worth of 1.83B. The enterprise value is 2.18B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
1.83B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
2.18B

Valuation Ratios

The trailing PE ratio is 24.72. Stewart Information Services Corporation's PEG ratio is 1.06.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
24.72
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
0.73
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
1.29
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
0.03
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
1.06

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.12, with a EV/FCF ratio of 0.03.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
0.87
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
11.12
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
0.03
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
0.03

Financial Efficiency

Return on equity (ROE) is 5.30% and return on invested capital (ROIC) is 0.00%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
5.30%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
2.69%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
0.00%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.91
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is -17,763.99%, with operating and profit margins of 1.76% and 2.94%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
-17,763.99%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
1.76%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
4.59%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
2.94%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
7.86%

Income Statement

In the last 12 months, Stewart Information Services Corporation had revenue of 2.49B and earned 73.31M in profits. Earnings per share (EPS) was 2.6.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
2.49B
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
-442.4B
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
43.85M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
114.31M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
73.31M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
195.84M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
134.23M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
2.6

Financial Position

The company has a trailing 12 months (ttm) current ratio of 0, with a ttm Debt / Equity ratio of 0.4.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
0
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
0
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.4
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
2.61

Dividends & Yields

This stock pays an annual dividend of 1.98, which amounts to a dividend yield of 3.03%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
1.98
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
3.03%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
4.04%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
3,701.01%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
5.42%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
73.55%

Balance Sheet

The company has 216.3M in cash and 564.68M in debt, giving a net cash position of -348.38M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
216.3M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
564.68M
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-348.38M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
1.4B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
50.82
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
0

Cash Flow

In the last 12 months, operating cash flow of the company was 67.72B and capital expenditures -40.47M, giving a free cash flow of 67.71B.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
67.72B
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-40.47M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
67.71B
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
2.44K

Stewart Information Services Corporation News

Apr 14, 2025 - businesswire.com
Stewart Information Services Corporation Announces First Quarter 2025 Earnings Conference Call
HOUSTON--(BUSINESS WIRE)--Stewart Information Services Corporation (NYSE: STC) announced today it will hold a conference call to discuss first quarter 2025 earnings at 8:30 a.m. Eastern Time on Thursday, April 24, 2025. The call will follow the company's release of earnings after the close of trading on Wednesday, April 23. Individuals wishing to participate can dial (800) 267-6316 (USA) and (203) 518-9783 (International) – access code STCQ125. The conference call replay will be available from....[read more]
Mar 20, 2025 - businesswire.com
PropStream Joins Forces with BeachesMLS to Streamline Lead Generation
LAKE FOREST, Calif.--(BUSINESS WIRE)-- #BeachesMLS--PropStream announces its partnership with BeachesMLS, offering a vetted solution for its members to streamline lead generation efforts....[read more]
Mar 20, 2025 - businesswire.com
Stewart Named a Winner of the 2025 USA Today Top Workplaces Award
HOUSTON--(BUSINESS WIRE)--Stewart Information Services Corporation (NYSE:STC) announced today that it has been once again named a winner of the USA Today Top Workplaces Award. Issued by Energage, a purpose-driven organization that develops solutions to build and brand Top Workplaces, the Top Workplaces program has a 15-year history of surveying more than 20 million employees and recognizing the top organizations across 60 markets for regional Top Workplaces awards. “At Stewart we are striving t....[read more]
Mar 3, 2025 - prnewswire.com
STEWART INFORMATION SERVICES CORPORATION DECLARES FIRST QUARTER DIVIDEND
HOUSTON , March 3, 2025 /PRNewswire/ -- Stewart Information Services Corporation (NYSE:STC) today announced that its Board of Directors declared a cash dividend of $0.50 per share for the first quarter 2025, payable March 31, 2025, to common stockholders of record on March 17, 2025. About Stewart Stewart Information Services Corporation ( NYSE:STC ) is a global real estate services company, offering products and services through our direct operations, network of Stewart Trusted Providers™ and fa...[read more]
Feb 6, 2025 - seekingalpha.com
Stewart Information Services Corporation (STC) Q4 2024 Earnings Call Transcript
Stewart Information Services Corporation (NYSE:STC ) Q4 2024 Earnings Conference Call February 6, 2025 8:30 AM ET Company Participants Kathryn Bass - Director of Investor Relations Frederick Eppinger - Chief Executive Officer David Hisey - Chief Financial Officer Conference Call Participants Bose George - KBW John Campbell - Stephens Operator Hello, and thank you for joining the Stewart Information Services Fourth Quarter and Full Year 2024 Earnings Call. [Operator Instructions] Please note, tod...[read more]
Feb 5, 2025 - prnewswire.com
Stewart Reports Fourth Quarter and Full Year 2024 Results
Total revenues of $665.9 million ($664.2 million on an adjusted basis) compared to $582.2 million ($577.4 million on an adjusted basis) in the prior year quarter Net income of $22.7 million ($31.5 million on an adjusted basis) compared to $8.8 million ($16.6 million on an adjusted basis) in the prior year quarter Diluted earnings per share of $0.80 ($1.12 on an adjusted basis) compared to prior year quarter diluted EPS of $0.32 ($0.60 on an adjusted basis) Full year 2024 net income of $73.3 mill...[read more]
Jan 27, 2025 - businesswire.com
Stewart Information Services Corporation Announces Fourth Quarter 2024 Earnings Conference Call
HOUSTON--(BUSINESS WIRE)--Stewart Information Services Corporation (NYSE: STC) announced today it will hold a conference call to discuss fourth quarter 2024 earnings at 8:30 a.m. Eastern Time on Thursday, February 6, 2025. The call will follow the company's release of earnings after the close of trading on Wednesday, February 5. Individuals wishing to participate can dial (800) 343-5172 (USA) and (203) 518-9856 (International) – access code STCQ424. The conference call replay will be available....[read more]
Jan 24, 2025 - reuters.com
Saudi Arabia's STC seeks seat on Telefonica board
Saudi Arabia's largest telecoms operator, STC Group , will seek a seat on Telefonica's board, it told the U.S. markets regulator in a filing, six days after the Spanish company unexpectedly replaced its chief executive....[read more]
Jan 7, 2025 - businesswire.com
Stewart Announces the Promotion of Chief Underwriting Counsel
HOUSTON--(BUSINESS WIRE)--Stewart Information Services Corporation (NYSE:STC) announced today that Wilhelmina Kightlinger has been promoted to Chief Underwriting Counsel for the Stewart Title family of companies. Kightlinger will focus on strengthening the company's corporate underwriting capacity and growing Stewart's footprint in underrepresented markets. “World class underwriting is a cornerstone of Stewart's success, and the role of Chief Underwriting Counsel is crucial in fulfilling our mi....[read more]
Dec 3, 2024 - businesswire.com
PropStream Announces New Upside Down Lead List
LAKE FOREST, Calif.--(BUSINESS WIRE)-- #BrianTepfer--PropStream, the leading real estate data provider, announced a new Lead List to its menu: Upside Down....[read more]

Stewart Information Services Corporation Details

Country US
City Houston
Address 1360 Post Oak Boulevard
Ticker Symbol STC
Exchange New York Stock Exchange
IPO Date Feb 21, 1973
CEO Mr. Frederick Henry Eppinger Jr.
Sector Financial Services
Industry Insurance - Property & Casualty
Employees 7K

Stewart Information Services Corporation Company Description

Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. The company operates in two segments, Title, and Ancillary Services and Corporate. The Title segment is involved in searching, examining, closing, and insuring the condition of the title to real property. This segment also offers home and personal insurance services; services for tax-deferred exchanges; and digital customer engagement platform services. The Ancillary Services and Corporate segment provides appraisal management, online notarization and closing, credit and real estate information, and search and valuation services to the mortgage industry. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, title agencies, real estate attorneys and investors, and home builders, as well as mortgage lenders, servicers, brokers, and investors. The company operates in the United States, Canada, the United Kingdom, and Australia. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.

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