Stewart Information Services Stock Z Score

STC Stock

USD 71.86 2.95 4.28%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Stewart Information Piotroski F Score and Stewart Information Valuation analysis.

At present, Stewart Information's Capital Lease Obligations is projected to increase significantly based on the last few years of reporting. The current year's Long Term Debt To Capitalization is expected to grow to 0.26, whereas Capital Surpluse is forecasted to decline to about 208.3 M. At present, Stewart Information's Gross Profit is projected to decrease significantly based on the last few years of reporting. The current year's EBITDA is expected to grow to about 49.7 M, whereas Total Revenue is forecasted to decline to about 1.5 B.

Stewart Information Services Company Z Score Analysis

Stewart Information's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Stewart Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Stewart Information is extremely important. It helps to project a fair market value of Stewart Stock properly, considering its historical fundamentals such as Z Score. Since Stewart Information's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Stewart Information's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Stewart Information's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Retained Earnings	Total Liab	Net Debt	Net Receivables	Total Current Assets	Short Term Debt	Intangible Assets	Accounts Payable	Good Will	Short Term Investments	Common Stock	Long Term Debt	Treasury Stock	Property Plant Equipment	Net Tangible Assets	Total Permanent Equity	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Accumulated Depreciation	Short Long Term Debt	Current Deferred Revenue	Cash And Equivalents	Net Invested Capital	Capital Stock
Total Assets		0.99	0.99	0.86	0.71	0.72	0.02	-0.1	0.9	0.8	0.95	-0.23	0.97	0.92	-0.73	0.75	-0.61	0.52	0.88	0.83	0.74	0.9	0.33	0.6	-0.84	0.66	0.88	0.39
Total Stockholder Equity	0.99		1.0	0.89	0.73	0.69	-0.04	-0.1	0.89	0.77	0.95	-0.22	0.98	0.91	-0.72	0.74	-0.6	0.52	0.88	0.85	0.74	0.91	0.35	0.62	-0.83	0.63	0.88	0.4
Retained Earnings	0.99	1.0		0.88	0.78	0.66	-0.07	-0.09	0.91	0.73	0.97	-0.22	0.96	0.93	-0.69	0.75	-0.64	0.52	0.91	0.85	0.77	0.93	0.32	0.64	-0.86	0.6	0.9	0.43
Total Liab	0.86	0.89	0.88		0.66	0.62	0.03	-0.06	0.68	0.51	0.83	-0.16	0.89	0.73	-0.82	0.66	-0.47	0.46	0.71	0.68	0.61	0.74	0.23	0.58	-0.62	0.35	0.69	0.46
Net Debt	0.71	0.73	0.78	0.66		0.36	-0.23	-0.06	0.89	0.3	0.89	-0.19	0.61	0.9	-0.34	0.79	-0.93	0.18	0.94	0.63	0.88	0.9	-0.14	0.47	-0.89	0.26	0.84	0.49
Net Receivables	0.72	0.69	0.66	0.62	0.36		0.02	-0.11	0.59	0.74	0.62	-0.23	0.72	0.57	-0.65	0.7	-0.4	0.41	0.5	0.67	0.3	0.52	0.16	0.14	-0.6	0.33	0.64	0.34
Total Current Assets	0.02	-0.04	-0.07	0.03	-0.23	0.02		0.32	-0.2	0.05	-0.16	0.55	0.04	-0.09	-0.43	-0.11	0.25	0.12	-0.14	-0.29	-0.3	-0.21	-0.07	0.34	0.21	-0.1	-0.27	-0.36
Short Term Debt	-0.1	-0.1	-0.09	-0.06	-0.06	-0.11	0.32		-0.16	-0.08	-0.15	0.6	-0.09	-0.11	-0.01	-0.24	0.2	0.18	-0.12	-0.15	-0.08	-0.2	-0.06	0.29	0.14	-0.27	-0.17	-0.07
Intangible Assets	0.9	0.89	0.91	0.68	0.89	0.59	-0.2	-0.16		0.67	0.97	-0.3	0.81	0.98	-0.45	0.84	-0.87	0.32	0.98	0.81	0.87	0.97	0.11	0.46	-0.98	0.6	0.96	0.43
Accounts Payable	0.8	0.77	0.73	0.51	0.3	0.74	0.05	-0.08	0.67		0.65	-0.18	0.79	0.65	-0.46	0.42	-0.29	0.57	0.58	0.82	0.44	0.63	0.58	0.44	-0.64	0.8	0.74	0.27
Good Will	0.95	0.95	0.97	0.83	0.89	0.62	-0.16	-0.15	0.97	0.65		-0.3	0.89	0.98	-0.58	0.84	-0.81	0.39	0.97	0.84	0.86	0.98	0.14	0.53	-0.94	0.56	0.95	0.46
Short Term Investments	-0.23	-0.22	-0.22	-0.16	-0.19	-0.23	0.55	0.6	-0.3	-0.18	-0.3		-0.2	-0.22	-0.03	-0.26	0.33	-0.03	-0.24	-0.3	-0.41	-0.38	0.1	0.43	0.27	-0.4	-0.33	-0.14
Common Stock	0.97	0.98	0.96	0.89	0.61	0.72	0.04	-0.09	0.81	0.79	0.89	-0.2		0.82	-0.79	0.69	-0.48	0.51	0.79	0.83	0.65	0.82	0.4	0.6	-0.74	0.63	0.8	0.33
Long Term Debt	0.92	0.91	0.93	0.73	0.9	0.57	-0.09	-0.11	0.98	0.65	0.98	-0.22	0.82		-0.52	0.81	-0.84	0.38	0.99	0.79	0.87	0.98	0.13	0.57	-0.96	0.57	0.95	0.43
Treasury Stock	-0.73	-0.72	-0.69	-0.82	-0.34	-0.65	-0.43	-0.01	-0.45	-0.46	-0.58	-0.03	-0.79	-0.52		-0.58	0.2	-0.41	-0.48	-0.41	-0.29	-0.47	-0.15	-0.51	0.36	-0.25	-0.38	-0.02
Property Plant Equipment	0.75	0.74	0.75	0.66	0.79	0.7	-0.11	-0.24	0.84	0.42	0.84	-0.26	0.69	0.81	-0.58		-0.83	0.02	0.82	0.58	0.63	0.76	-0.18	0.2	-0.83	0.26	0.75	0.31
Net Tangible Assets	-0.61	-0.6	-0.64	-0.47	-0.93	-0.4	0.25	0.2	-0.87	-0.29	-0.81	0.33	-0.48	-0.84	0.2	-0.83		-0.03	-0.87	-0.55	-0.82	-0.83	0.32	-0.19	0.9	-0.26	-0.81	-0.42
Total Permanent Equity	0.52	0.52	0.52	0.46	0.18	0.41	0.12	0.18	0.32	0.57	0.39	-0.03	0.51	0.38	-0.41	0.02	-0.03		0.33	0.5	0.22	0.4	0.3	0.53	-0.3	0.38	0.42	0.19
Long Term Debt Total	0.88	0.88	0.91	0.71	0.94	0.5	-0.14	-0.12	0.98	0.58	0.97	-0.24	0.79	0.99	-0.48	0.82	-0.87	0.33		0.77	0.9	0.98	0.06	0.56	-0.95	0.54	0.94	0.38
Capital Surpluse	0.83	0.85	0.85	0.68	0.63	0.67	-0.29	-0.15	0.81	0.82	0.84	-0.3	0.83	0.79	-0.41	0.58	-0.55	0.5	0.77		0.71	0.82	0.43	0.51	-0.79	0.66	0.91	0.42
Deferred Long Term Liab	0.74	0.74	0.77	0.61	0.88	0.3	-0.3	-0.08	0.87	0.44	0.86	-0.41	0.65	0.87	-0.29	0.63	-0.82	0.22	0.9	0.71		0.91	0.06	0.43	-0.82	0.58	0.86	0.34
Long Term Investments	0.9	0.91	0.93	0.74	0.9	0.52	-0.21	-0.2	0.97	0.63	0.98	-0.38	0.82	0.98	-0.47	0.76	-0.83	0.4	0.98	0.82	0.91		0.14	0.52	-0.94	0.61	0.96	0.45
Accumulated Depreciation	0.33	0.35	0.32	0.23	-0.14	0.16	-0.07	-0.06	0.11	0.58	0.14	0.1	0.4	0.13	-0.15	-0.18	0.32	0.3	0.06	0.43	0.06	0.14		0.46	-0.05	0.55	0.21	0.21
Short Long Term Debt	0.6	0.62	0.64	0.58	0.47	0.14	0.34	0.29	0.46	0.44	0.53	0.43	0.6	0.57	-0.51	0.2	-0.19	0.53	0.56	0.51	0.43	0.52	0.46		-0.4	0.35	0.48	0.11
Current Deferred Revenue	-0.84	-0.83	-0.86	-0.62	-0.89	-0.6	0.21	0.14	-0.98	-0.64	-0.94	0.27	-0.74	-0.96	0.36	-0.83	0.9	-0.3	-0.95	-0.79	-0.82	-0.94	-0.05	-0.4		-0.51	-0.96	-0.53
Cash And Equivalents	0.66	0.63	0.6	0.35	0.26	0.33	-0.1	-0.27	0.6	0.8	0.56	-0.4	0.63	0.57	-0.25	0.26	-0.26	0.38	0.54	0.66	0.58	0.61	0.55	0.35	-0.51		0.63	0.01
Net Invested Capital	0.88	0.88	0.9	0.69	0.84	0.64	-0.27	-0.17	0.96	0.74	0.95	-0.33	0.8	0.95	-0.38	0.75	-0.81	0.42	0.94	0.91	0.86	0.96	0.21	0.48	-0.96	0.63		0.51
Capital Stock	0.39	0.4	0.43	0.46	0.49	0.34	-0.36	-0.07	0.43	0.27	0.46	-0.14	0.33	0.43	-0.02	0.31	-0.42	0.19	0.38	0.42	0.34	0.45	0.21	0.11	-0.53	0.01	0.51

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Stewart Information

Based on the company's disclosures, Stewart Information Services has a Z Score of 0.0. This is 100.0% lower than that of the Insurance sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Stewart Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Stewart Information's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Stewart Information could also be used in its relative valuation, which is a method of valuing Stewart Information by comparing valuation metrics of similar companies.

Stewart Information is currently under evaluation in z score category among its peers.

Stewart Information ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Stewart Information's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Stewart Information's managers, analysts, and investors.

Environmental

Governance

Social

Stewart Information Institutional Holders

Institutional Holdings refers to the ownership stake in Stewart Information that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Stewart Information's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Stewart Information's value.

		Shares
Cooke & Bieler Lp	2024-06-30	596.2 K
Davenport & Company Llc	2024-09-30	581.1 K
Nuveen Asset Management, Llc	2024-06-30	550.2 K
Charles Schwab Investment Management Inc	2024-06-30	538.1 K
Morgan Stanley - Brokerage Accounts	2024-06-30	492.8 K
Northern Trust Corp	2024-06-30	423.8 K
Fuller & Thaler Asset Management Inc	2024-06-30	405 K
Tributary Capital Management, Llc	2024-06-30	331 K
Amvescap Plc.	2024-06-30	320.1 K
Blackrock Inc	2024-06-30	4 M
Fmr Inc	2024-06-30	2.5 M

Stewart Fundamentals

	Return On Equity	0.0534
	Return On Asset	0.0277
	Profit Margin	0.02 %
	Operating Margin	0.07 %
	Current Valuation	2.26 B
	Shares Outstanding	27.71 M
	Shares Owned By Insiders	1.60 %
	Shares Owned By Institutions	99.62 %
	Number Of Shares Shorted	621.08 K
	Price To Earning	5.58 X
	Price To Book	1.33 X
	Price To Sales	0.78 X
	Revenue	2.26 B
	Gross Profit	1.76 B
	EBITDA	47.29 M
	Net Income	45.6 M
	Cash And Equivalents	248.37 M
	Cash Per Share	12.50 X
	Total Debt	580.94 M
	Debt To Equity	0.44 %
	Current Ratio	2.48 X
	Book Value Per Share	50.77 X
	Cash Flow From Operations	83.04 M
	Short Ratio	3.39 X
	Earnings Per Share	2.12 X
	Price To Earnings To Growth	3.04 X
	Target Price	80.5
	Number Of Employees	6.8 K
	Beta	1.22
	Market Capitalization	1.91 B
	Total Asset	2.7 B
	Retained Earnings	1.07 B
	Annual Yield	0.03 %
	Five Year Return	2.76 %
	Net Asset	2.7 B
	Last Dividend Paid	1.93

About Stewart Information Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Stewart Information Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Stewart Information using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Stewart Information Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.

V	Visa Class A
F	Ford Motor
CSL	Carlisle Companies Incorporated

When determining whether Stewart Information offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Stewart Information's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Stewart Information Services Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Stewart Information Services Stock:

How To Invest In Stewart

Details

Is Stewart Stock a good investment?

Details

What is Stewart Information's Net Worth?

Details

Largest Property & Casualty Insurance Companies

View

Largest Insurance - Property & Casualty Companies

View

Check out Stewart Information Piotroski F Score and Stewart Information Valuation analysis.

You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

Is Property & Casualty Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Stewart Information. If investors know Stewart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Stewart Information listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

1.093

Dividend Share

1.925

Earnings Share

2.12

Revenue Per Share

86.775

Quarterly Revenue Growth

0.11

The market value of Stewart Information is measured differently than its book value, which is the value of Stewart that is recorded on the company's balance sheet. Investors also form their own opinion of Stewart Information's value that differs from its market value or its book value, called intrinsic value, which is Stewart Information's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Stewart Information's market value can be influenced by many factors that don't directly affect Stewart Information's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Stewart Information's value and its price as these two are different measures arrived at by different means. Investors typically determine if Stewart Information is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Stewart Information's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Stewart Information Services Stock Z Score

Stewart Information Services Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Stewart Z Score Driver Correlations

Stewart Z Score Peer Comparison

Stewart Information ESG Sustainability

Stewart Information Institutional Holders

Stewart Fundamentals

About Stewart Information Fundamental Analysis

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