STEWART INFORMATION SERVICES CORP (STC) valuation

Bring your own price

Enter a share price and a discount rate — every multiple, the earning-power value and the reverse-DCF below recompute on the spot from STEWART INFORMATION SERVICES CORP's latest SEC EDGAR filings. Change either input and the whole page follows.

Share price (USD)

Discount rate (% per year)

Enter a share price to run the model.

The prefilled 8.9% is a plain CAPM cost of equity at β = 1: the 10-year Treasury yield (4.46%, 2026-06-18, U.S. Treasury 10-yr) plus the U.S. equity risk premium (4.46%, Damodaran 2026-01-01). Build a firmer per-company rate with the cost-of-equity and WACC calculators, then paste it here.

Share price — · awaiting your input

Market Capitalization

Equity value at your price

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Price-to-Earnings

P/E · Trailing Diluted

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Earnings Yield

EPS ÷ Price · Trailing

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Price-to-Free-Cash-Flow

P/FCF · Trailing

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Free-Cash-Flow Yield

FCF Yield · Trailing

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Price-to-Sales

P/S · Trailing

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Price-to-Book

P/B · Latest filing

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Fundamentals from the filings

Every model input below comes straight from STEWART INFORMATION SERVICES CORP's SEC EDGAR XBRL filings — these are the denominators and bridge inputs the calculator pairs with your price and rate.

Trailing twelve months · TTM as of 2026-03-31 (Q1 FY2026)

Revenue: $3.09B
EBIT (GAAP): $183.3M
EBIT margin: 5.9%
Operating cash flow: $231.1M
CapEx: $77.5M
D&A: $62.6M
Free cash flow: $153.6M
Stock-based comp: $17.8M
YoY revenue growth: 21.3%

Balance sheet · 10-Q · period ending 2026-03-31

Cash & investments: $317.5M
Total debt: $770.6M
Stockholders' equity: $1.64B
Excess cash: $255.7M

Total debt = Notes payable ($646.7M) + Operating lease liability ($123.9M) .

Excess cash = total cash − an operating-cash floor of 2% of TTM revenue ($61.8M) that a buyer couldn't pocket without starving operations.

Share count

Diluted shares (TSM-scaled): 30.9M

Method: point-in-time shares outstanding × 1.0169 (latest filer-disclosed diluted ÷ basic ratio). See the diluted-shares methodology for why this count denominates EPV/share and the reverse-DCF equity bridge.

Earning-Power-Value, reverse-DCF, and EV/EBITDA are hidden for this insurer. EPV and the reverse-DCF both anchor on an EBIT margin, but a insurer's "margin" is interest-spread × leverage with non-EBIT investment results mixed in; EV/EBITDA omits deposits and borrowings — the actual funding — so the multiple isn't interpretable. The trailing multiples above (P/E, P/S, P/B, P/FCF) still render, but the right lens here is price-to-tangible-book-value and ROE vs cost of equity — applied manually, outside this page.