Stewart Information Financials

STC Stock  USD 71.86  2.95  4.28%   
Based on the analysis of Stewart Information's profitability, liquidity, and operating efficiency, Stewart Information Services is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At present, Stewart Information's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 1.1 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 19.7 M. Key indicators impacting Stewart Information's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.630.6583
Sufficiently Down
Very volatile
Current Ratio0.710.7521
Notably Down
Very volatile
The essential information of the day-to-day investment outlook for Stewart Information includes many different criteria found on its balance sheet. An individual investor should monitor Stewart Information's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Stewart Information.

Cash And Equivalents

318.29 Million

  
Understanding current and past Stewart Information Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Stewart Information's financial statements are interrelated, with each one affecting the others. For example, an increase in Stewart Information's assets may result in an increase in income on the income statement.

Stewart Information Earnings Geography

Please note, the presentation of Stewart Information's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Stewart Information's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Stewart Information's management manipulating its earnings.

Stewart Information Stock Summary

Stewart Information competes with Selective Insurance, Kemper, Donegal Group, Argo Group, and Global Indemnity. Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas. Stewart Information operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 7300 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS8603721015
CUSIP860372101
LocationTexas; U.S.A
Business Address1360 Post Oak
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.stewart.com
Phone713 625 8100
CurrencyUSD - US Dollar

Stewart Information Key Financial Ratios

Stewart Information Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.6B2.0B2.8B2.7B2.7B2.8B
Retained Earnings564.4M688.8M974.8M1.1B1.1B1.1B
Other Assets22.5M32.5M55.1M2.6B3.0B3.1B
Total Liab839.0M966.2M681.7M1.4B1.3B1.4B
Net Debt(106.1M)(211.8M)147.0M346.6M347.6M365.0M
Net Receivables72.0M87.8M119.3M117.7M124.9M80.1M
Total Current Assets426.1M541.2M622.9M204.2M397.3M605.6M
Intangible Assets4.6M37.4M229.8M199.1M193.2M202.9M
Cash330.6M432.7M485.9M248.4M233.4M165.7M
Other Current Assets494.7M621.6M694.8M(186.2M)397.3M470.2M
Accounts Payable126.8M225.2M287.3M196.5M190.1M118.1M
Common Stock188.3M301.9M309.6M324.3M338.5M355.4M
Other Liab396.0M23.9M598.4M576.1M518.5M260.4M
Long Term Debt110.6M101.8M483.5M447.0M445.3M467.6M
Net Tangible Assets493.8M536.3M50.5M16.7M15.1M14.3M
Long Term Debt Total110.6M101.8M483.5M447.0M514.1M539.8M

Stewart Information Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense4.3M2.6M5.0M18.4M19.7M20.7M
Total Revenue1.9B2.3B3.3B3.1B2.3B1.5B
Gross Profit(343.4B)1.9B2.7B2.4B1.7B1.8B
Operating Income67.9M203.7M417.2M231.6M(15.2M)(15.9M)
Ebit67.9M203.7M417.2M231.6M(15.2M)(15.9M)
Ebitda90.4M223.0M453.6M288.8M47.3M49.7M
Net Income78.6M154.9M323.2M162.3M30.4M40.2M
Income Tax Expense26.7M48.8M94.0M50.9M15.3M18.8M
Income Before Tax117.0M218.5M434.0M232.7M60.9M72.1M
Cost Of Revenue345.3B375.2M626.8M648.0M507.7M482.3M
Minority Interest11.7M14.8M(16.8M)(19.5M)(15.8M)(15.0M)
Tax Provision26.7M48.8M94.0M50.9M12.1M11.5M
Interest Income4.3M2.6M5.0M18.4M21.2M22.2M
Net Interest Income(4.3M)(2.6M)(5.0M)(18.4M)(19.7M)(18.7M)

Stewart Information Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash138.5M102.1M53.2M(237.6M)(15.0M)(14.3M)
Free Cash Flow149.3M260.8M350.5M143.9M45.3M70.5M
Other Non Cash Items(4.5M)34.0M57.3M14.9M(13.8M)(13.1M)
Capital Expenditures17.1M15.0M39.8M47.9M37.8M21.0M
Net Income90.3M169.7M340.0M181.8M45.6M47.2M
End Period Cash Flow330.6M432.7M485.9M248.4M233.4M138.1M
Depreciation22.5M19.2M36.4M57.2M62.4M65.6M
Dividends Paid28.3M30.2M36.6M44.7M50.5M53.0M
Investments21.2M(18.4M)2.3M(300.7M)(112.1M)(106.5M)
Change Receivables5.3M(2.9M)(6.6M)(18.8M)(16.9M)(16.1M)
Net Borrowings2.6M(9.1M)387.5M(37.0M)(42.5M)(40.4M)
Change To Netincome12.4M(3.2M)65.0M46.9M54.0M56.7M

Stewart Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Stewart Information's current stock value. Our valuation model uses many indicators to compare Stewart Information value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Stewart Information competition to find correlations between indicators driving Stewart Information's intrinsic value. More Info.
Stewart Information Services is rated below average in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.52  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Stewart Information Services is roughly  1.93 . At present, Stewart Information's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Stewart Information's earnings, one of the primary drivers of an investment's value.

Stewart Information's Earnings Breakdown by Geography

Stewart Information Systematic Risk

Stewart Information's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Stewart Information volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Stewart Information correlated with the market. If Beta is less than 0 Stewart Information generally moves in the opposite direction as compared to the market. If Stewart Information Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Stewart Information is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Stewart Information is generally in the same direction as the market. If Beta > 1 Stewart Information moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Stewart Information Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Stewart Information's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Stewart Information growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.62)

At present, Stewart Information's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Stewart Information November 7, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Stewart Information help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Stewart Information Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of Stewart Information Services based on widely used predictive technical indicators. In general, we focus on analyzing Stewart Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Stewart Information's daily price indicators and compare them against related drivers.

Complementary Tools for Stewart Stock analysis

When running Stewart Information's price analysis, check to measure Stewart Information's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Stewart Information is operating at the current time. Most of Stewart Information's value examination focuses on studying past and present price action to predict the probability of Stewart Information's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Stewart Information's price. Additionally, you may evaluate how the addition of Stewart Information to your portfolios can decrease your overall portfolio volatility.
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