Stewart Information Services Corp key statistics and ratios
In fiscal 2025, Stewart Information Services Corp had return on equity of 7.6%, a net margin of 4.0% and debt equal to 39.4% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.
Financial ratios
| Fiscal year | 2009Dec 2009 | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | 2020Dec 2020 | 2021Dec 2021 | 2022Dec 2022 | 2023Dec 2023 | 2024Dec 2024 | 2025Dec 2025 | LTMJun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net margin | −3.0% | −0.8% | 0.1% | 5.7% | 3.3% | 1.6% | −0.3% | 2.8% | 2.5% | 2.5% | 4.1% | 6.8% | 9.8% | 5.3% | 1.3% | 2.9% | 4.0% | 4.1% |
| Free-cash-flow margin | −1.6% | 1.5% | 0.3% | 5.4% | 3.6% | 2.4% | 3.0% | 5.2% | 4.7% | 3.9% | 7.7% | 11.4% | 10.6% | 4.7% | 2.0% | 3.8% | 4.5% | 4.6% |
| Return on equity | — | −2.9% | 0.5% | 21.4% | 10.3% | 4.4% | −0.9% | 8.7% | 7.4% | 7.1% | 11.1% | 17.7% | 28.3% | 12.3% | 2.2% | 5.3% | 7.6% | 8.2% |
| Return on assets | — | −1.1% | 0.2% | 8.9% | 4.8% | 2.2% | −0.5% | 4.2% | 3.5% | 3.4% | 5.3% | 8.7% | 13.5% | 5.8% | 1.1% | 2.7% | 3.9% | 4.1% |
| Asset turnover | — | 1.47 | 1.42 | 1.56 | 1.47 | 1.38 | 1.50 | 1.51 | 1.42 | 1.37 | 1.31 | 1.28 | 1.38 | 1.11 | 0.83 | 0.92 | 0.98 | 1.00 |
| Debt to equity | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 16.3% | 16.0% | 14.8% | 10.1% | 37.7% | 32.8% | 32.5% | 31.8% | 39.4% | 38.9% |
| Effective tax rate | — | — | 51.8% | −33.2% | 28.2% | 26.1% | 58.3% | 22.3% | 19.9% | 18.6% | 22.8% | 22.3% | 21.7% | 21.9% | 25.1% | 22.9% | 21.4% | 21.8% |
| Capital spending as % of revenue | 0.6% | 1.0% | 1.1% | 0.9% | 0.9% | 1.0% | 1.0% | 0.9% | 0.8% | 0.6% | 0.9% | 0.7% | 1.2% | 1.6% | 1.7% | 1.6% | 2.5% | 2.7% |
| Free cash flow ÷ net income | — | — | 243.0% | 95.0% | 110.9% | 149.4% | — | 188.9% | 188.4% | 154.7% | 189.9% | 168.4% | 108.4% | 88.7% | 148.7% | 129.8% | 114.5% | 111.3% |
| Dividends ÷ net income | — | — | 39.1% | 1.7% | 3.4% | 7.8% | — | 50.2% | 57.8% | 59.5% | 36.1% | 19.5% | 11.3% | 27.5% | 166.0% | 73.5% | 50.6% | 47.0% |
| Dividends and buybacks ÷ free cash flow | — | 3.5% | 16.1% | 1.8% | 3.1% | 54.9% | 75.5% | 27.6% | 31.5% | 40.1% | 19.3% | 12.0% | 11.1% | 33.3% | 115.6% | 60.7% | 47.2% | 46.0% |
| Quarter | 2024 Q3Sept 2024 | 2024 Q4Dec 2024 | 2025 Q1Mar 2025 | 2025 Q2Jun 2025 | 2025 Q3Sept 2025 | 2025 Q4Dec 2025 | 2026 Q1Mar 2026 | 2026 Q2Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Net margin | 4.5% | 3.4% | 0.5% | 4.4% | 5.6% | 4.6% | 2.2% | 4.1% |
| Free-cash-flow margin | 10.1% | 8.4% | −6.9% | 5.4% | 9.2% | 7.9% | −2.7% | 3.9% |
| Debt to equity | — | 31.8% | — | — | — | — | — | — |
Moat
Moderate moat
How hard Stewart Information Services's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
- Returns on capital 20 / 20
Net income has been a median 3.7% of total assets over 10 years.
- Durability 8 / 20
Net margin has been a median 3.3%; its worst year was 1.8%.
- Discipline 13 / 20
The diluted share count rose 12.2% over five years; stock-based pay has been a median 0.3% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (68 before it).
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