What is the 13F Pro Quality Score for STC?

13F Pro ranks STEWART INFORMATION SERVICES CORP (STC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View STC's current score at https://13fpro.ai/company/STC (free sign-up required for the full ranking).

Which hedge funds own the most STC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of STC include BlackRock,, FMR, Neuberger Berman Group. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/STC as soon as new 13F filings post.

Where does 13F Pro source STC data?

All STEWART INFORMATION SERVICES CORP fundamentals and ownership data come directly from SEC EDGAR. STEWART INFORMATION SERVICES CORP files with the SEC under CIK 94344. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is STC in?

STEWART INFORMATION SERVICES CORP (STC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives STC's revenue?

Per STEWART INFORMATION SERVICES CORP's latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Title ($701.9M, +15% YoY); Direct title revenues ($306.6M, +5% YoY); Agency title revenues (gross) ($377.0M, +25% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/STC.

What are STC's largest expenses?

STEWART INFORMATION SERVICES CORP's latest 10-Q reports these as the largest expense items: Amounts retained by agencies ($314.9M, +25% YoY); Other operating expenses ($241.1M, +39% YoY); Employee costs ($241.1M, +16% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is STC research updated on 13F Pro?

STC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

STEWART INFORMATION SERVICES CORP(STC)Stock Analysis

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13F Pro Quality Score

67.5/100

Rank #361 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

78.7/100

Profitability

49.0/100

Balance Sheet

66.8/100

Earnings Quality

75.1/100

Free Cash Flow

40.7/100

Institutional Flow

41.8/100

Revenue Scale

71.1/100

Dilution Risk

71.4/100

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Why STC Scores 68/100

exact factor attribution · 2026-09-11

STC's composite is driven by revenue growth and scale, held back by free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+7.7 pts

79th pct

Scale

+4.2 pts

71th pct

Earnings growth

+2.7 pts

90th pct

Earnings quality

+2.5 pts

75th pct

Capital efficiency

+2.2 pts

67th pct

Shareholder dilution

+1.4 pts

71th pct

Profitability

-0.2 pts

49th pct

Institutional flow

-0.6 pts

42th pct

Free cash flow

-1.4 pts

41th pct

Latest change (2026-08-04): 61 → 62 · ↑ Free cash flow 39→50; ↑ Institutional flow 47→57; despite ↓ Revenue growth 76→65

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

STC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for STEWART INFORMATION SERVICES CORP (STC), a Financials sector company. 13F Pro's AI-powered ranking engine scores STC at 67.5/100 on a 32-signal composite quality model, placing it at rank #361 of 2,961 stocks — the top 25% of the AI-ranked universe. STC scores in the top quartile across revenue growth (78.7), earnings quality (75.1). Based on the latest XBRL financial filings (Q2 2026), STEWART INFORMATION SERVICES CORP reports quarterly revenue of $899.2M, net income of $37.2M, an operating margin of 6.1%. Top institutional holders of STC by reported 13-F value include BlackRock, FMR, Neuberger Berman Group, based on the most recent SEC filings. STC trades on the NYSE exchange and files with the SEC under CIK 94344. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate STC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for STEWART INFORMATION SERVICES CORP directly from SEC EDGAR. STEWART INFORMATION SERVICES CORP's 13F Pro composite quality score has ranged between 32 and 72 since 2021, currently 67.5 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

What's Driving STC's Business? Latest 10-Q Breakdown

✓ 34/34 datapoints verified

AI-extracted from STEWART INFORMATION SERVICES CORP's 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Stewart's Q2 FY2026 revenue rose 25% YoY to $899.2M, powered by a 75% surge in Real Estate Solutions (largely the acquired MCS business) and 15% growth in the Title segment, though rising other operating expenses and interest costs offset some of the gain.

Biggest Revenue Drivers

Title$701.9M+15% YoY

Strong performance by direct and agency title operations amid higher commercial transaction volume

Real Estate Solutions$197.4M+75% YoY

Primarily driven by the recently acquired MCS business and higher credit information and valuation services revenue

Biggest Revenue Drivers

Total revenue: $899.2M+25% YoY

Title$701.9M+15% YoY

Strong performance by direct and agency title operations amid higher commercial transaction volume

Within Title

Direct title revenues$306.6M+5% YoY

Increased domestic commercial transaction volume, including larger data center deals

Agency title revenues (gross)$377.0M+25% YoY

Improved residential and commercial volumes in key agency states

Real Estate Solutions$197.4M+75% YoY

Primarily driven by the recently acquired MCS business and higher credit information and valuation services revenue

Largest Expense Items

Amounts retained by agencies$314.9M+25% YoY

Tracks gross agency title revenue growth; retention rate held near 83.5%

Other operating expenses$241.1M+39% YoY

Higher real estate solutions third-party service and appraiser expenses plus increased title search/service fees and premium taxes

Employee costs$241.1M+16% YoY

Higher salaries and benefits from increased headcount (~8,200 avg employees) and higher incentive compensation

Title losses and related claims$22.1M+3% YoY

Increased title revenues partially offset by continued favorable claims experience

Margins: Consolidated pretax income rose to $55.1M from $46.8M; employee costs improved to 27.4% of revenue (from 29.5%), but other operating expenses rose to 27.4% (from 24.6%) as the higher-cost Real Estate Solutions mix grew. Title segment pretax margin fell to 6.9% from 8.1%, while Real Estate Solutions margin rose to 9.4% from 6.0%.

Watch Items from the Filing

Amounts retained by independent agencies average 83.5% of agency revenue, with a high proportion of agencies in states with retention rates above 80%, limiting net agency margin.
Real Estate Solutions' 75% revenue growth was primarily driven by the recently acquired MCS business rather than organic growth.
Corporate segment pretax loss widened to $12.0M from $9.2M, driven by higher interest expense on increased line-of-credit debt; six-month interest expense rose 52% YoY.
30-year mortgage rates eased to 6.4% from 6.8% YoY and existing home sales rose 3%, though rates remain elevated and originations growth was concentrated in refinancing (+45%).

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$899.2M

Net Income

Q2 2026

$37.2M

Free Cash Flow

Q2 2026

$35.0M

Operating Margin

Q2 2026

6.1%

ROIC

Q2 2026

13.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+17.3% YoY

$2.92BFY 2025

FY22 $3.07BFY23 $2.26BFY24 $2.49BFY25 $2.92B

Net Income

+57.6% YoY

$115.5MFY 2025

FY22 $162.3MFY23 $30.4MFY24 $73.3MFY25 $115.5M

EPS (Diluted)

+55.2% YoY

$4.05FY 2025

FY22 $5.94FY23 $1.11FY24 $2.61FY25 $4.05

Total Assets

+19.1% YoY

$3.25BFY 2025

FY22 $2.74BFY23 $2.70BFY24 $2.73BFY25 $3.25B

Total Debt

+45.0% YoY

$646.6MFY 2025

FY22 $447.0MFY23 $445.3MFY24 $445.8MFY25 $646.6M

Op. Cash Flow

+51.7% YoY

$205.7MFY 2025

FY22 $191.9MFY23 $83.0MFY24 $135.6MFY25 $205.7M

Free Cash Flow

+39.0% YoY

$132.3MFY 2025

FY22 $143.9MFY23 $45.3MFY24 $95.1MFY25 $132.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$2.92B +17.3%	$2.49B +10.3%	$2.26B -26.5%	$3.07B -7.2%	$3.31B +44.5%	$2.29B
Net Income	$115.5M +57.6%	$73.3M +140.8%	$30.4M -81.2%	$162.3M -49.8%	$323.2M +108.7%	$154.9M
EPS (Diluted)	$4.05 +55.2%	$2.61 +135.1%	$1.11 -81.3%	$5.94 -50.1%	$11.90 +91.3%	$6.22
Total Assets	$3.25B +19.1%	$2.73B +1.0%	$2.70B -1.3%	$2.74B -2.7%	$2.81B +42.2%	$1.98B
Total Debt	$646.6M +45.0%	$445.8M +0.1%	$445.3M -0.4%	$447.0M -7.5%	$483.5M +375.1%	$101.8M
Operating Cash Flow	$205.7M +51.7%	$135.6M +63.3%	$83.0M -56.7%	$191.9M -50.8%	$390.3M +41.5%	$275.8M
Free Cash Flow	$132.3M +39.0%	$95.1M +110.3%	$45.3M -68.6%	$143.9M -58.9%	$350.5M +34.4%	$260.8M

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Available Research

13F Pro tracks comprehensive data for STEWART INFORMATION SERVICES CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of STC

BlackRock, Inc.
$347.3M5,260,136 sh
FMR LLC
$179.7M2,721,769 sh
Neuberger Berman Group LLC
$168.3M2,548,868 sh
DIMENSIONAL FUND ADVISORS LP
$103.1M1,561,542 sh
STATE STREET CORP
$91.6M1,386,741 sh
VANGUARD CAPITAL MANAGEMENT LLC
$88.8M1,344,962 sh
Allspring Global Investments Holdings, LLC
$84.3M1,247,000 sh
Capital International Investors
$60.9M922,015 sh
GEODE CAPITAL MANAGEMENT, LLC
$51.7M783,370 sh
MILLENNIUM MANAGEMENT LLC
$45.6M690,281 sh

Fund	Value	Shares
BlackRock, Inc.	$347.3M	5,260,136
FMR LLC	$179.7M	2,721,769
Neuberger Berman Group LLC	$168.3M	2,548,868
DIMENSIONAL FUND ADVISORS LP	$103.1M	1,561,542
STATE STREET CORP	$91.6M	1,386,741
VANGUARD CAPITAL MANAGEMENT LLC	$88.8M	1,344,962
Allspring Global Investments Holdings, LLC	$84.3M	1,247,000
Capital International Investors	$60.9M	922,015
GEODE CAPITAL MANAGEMENT, LLC	$51.7M	783,370
MILLENNIUM MANAGEMENT LLC	$45.6M	690,281

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Is STC a good stock to buy?

13F Pro's AI-powered analysis of STEWART INFORMATION SERVICES CORP (STC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for STC are available on the STC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. STC is classified as a mid company.

Which hedge funds own STC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling STC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of STEWART INFORMATION SERVICES CORP's investment landscape.