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/research/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/research/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.

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

60.8/100

Rank #832 of 2,879 stocksTOP 50%

View Financials peers →

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

Revenue Growth

75.6/100

Profitability

50.8/100

Balance Sheet

57.7/100

Earnings Quality

92.3/100

Free Cash Flow

39.4/100

Institutional Flow

47.2/100

Revenue Scale

69.3/100

Dilution Risk

71.2/100

STC Stock Analysis & AI Quality Score

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 60.8/100 on a 32-signal composite quality model, placing it at rank #832 of 2,879 stocks — the top half of the AI-ranked universe. STC scores in the top quartile across earnings quality (92.3), revenue growth (75.6). Areas of concern include free cash flow (39.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), STEWART INFORMATION SERVICES CORP reports quarterly revenue of $781.3M, net income of $17.0M, an operating margin of 3.0%. 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 60.8 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

Revenue

Q1 2026

$781.3M

Net Income

Q1 2026

$17.0M

Free Cash Flow

Q1 2026

$-20.9M

Operating Margin

Q1 2026

3.0%

ROIC

Q1 2026

1.4%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-4.8% YoY

$2.92BFY 2025

FY20 $2.29BFY21 $3.31BFY22 $3.07BFY25 $2.92B

Net Income

-28.8% YoY

$115.5MFY 2025

FY20 $154.9MFY21 $323.2MFY22 $162.3MFY25 $115.5M

EPS (Diluted)

-31.8% YoY

$4.05FY 2025

FY20 $6.22FY21 $11.90FY22 $5.94FY25 $4.05

Total Assets

+18.8% YoY

$3.25BFY 2025

FY20 $1.98BFY21 $2.81BFY22 $2.74BFY25 $3.25B

Total Debt

+44.7% YoY

$646.6MFY 2025

FY20 $101.8MFY21 $483.5MFY22 $447.0MFY25 $646.6M

Op. Cash Flow

+7.2% YoY

$205.7MFY 2025

FY20 $275.8MFY21 $390.3MFY22 $191.9MFY25 $205.7M

Metric	FY 2025	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$2.92B -4.8%	$3.07B -7.2%	$3.31B +44.5%	$2.29B +18.0%	$1.94B +1.7%	$1.91B
Net Income	$115.5M -28.8%	$162.3M -49.8%	$323.2M +108.7%	$154.9M +97.0%	$78.6M +65.4%	$47.5M
EPS (Diluted)	$4.05 -31.8%	$5.94 -50.1%	$11.90 +91.3%	$6.22 +87.9%	$3.31 +64.7%	$2.01
Total Assets	$3.25B +18.8%	$2.74B -2.7%	$2.81B +42.2%	$1.98B +24.2%	$1.59B +16.0%	$1.37B
Total Debt	$646.6M +44.7%	$447.0M -7.5%	$483.5M +375.1%	$101.8M -8.0%	$110.6M +2.4%	$108.0M
Operating Cash Flow	$205.7M +7.2%	$191.9M -50.8%	$390.3M +41.5%	$275.8M +65.8%	$166.4M +97.6%	$84.2M

AI Insight: STC Financial Trends

STC's Q1 2026 revenue hit $781M — up 28% year-over-year — but operating cash flow turned negative again, a recurring seasonal pattern that warrants monitoring.

• Revenue grew sharply year-over-year, rising from $602M in Q2 2024 to $797M in Q3 2025, the peak so far.

• Net income improved meaningfully, from $17M in Q2 2024 to $44M in Q3 2025, before easing to $17M in Q1 2026.

• Equity expanded from $1,365M in Q2 2024 to $1,641M in Q4 2025, reflecting steady book-value accumulation.

• Total debt jumped from $446M in Q4 2024 to $647M in Q4 2025, a $201M increase over four quarters.

⚠ Operating cash flow turned negative in Q1 2025 (-$30M) and again in Q1 2026 (-$4M), suggesting persistent seasonal cash burn.

⚠ Debt rising to $647M in Q4 2025 while equity grows more slowly raises leverage questions heading into 2026.

⚠ Net income fell from $36M in Q4 2025 to $17M in Q1 2026 — watch whether sequential softness extends into Q2 2026.

AI Insight: STC Ratio Trends

STC's Q3 2025 peak margins are fading fast — Q1 2026 ROIC collapsed to 5.8%, the weakest quarterly read outside Q1 2025's trough.

• Operating margin swung from 1.0% in Q1 2025 to 7.7% in Q3 2025, then retreated to 3.0% in Q1 2026, showing persistent seasonal weakness in Q1.

• ROIC peaked at 16.6% in Q3 2025 but dropped sharply to 5.8% in Q1 2026 — the steepest single-quarter decline in the series.

• D/E rose from 0.32 in Q4 2024 to 0.39 in Q4 2025, the only two quarters with leverage data, signaling modest balance-sheet deterioration.

• TTM NPM of 4.2% and TTM ROIC of 11.2% remain above Q2 2024 levels of 2.9% and 8.5%, suggesting underlying year-over-year improvement.

⚠ Q1 ROIC has now printed 1.7% (2025) and 5.8% (2026) — confirm whether Q1 seasonality is structural or masking fundamental deterioration.

⚠ D/E crept up to 0.39 in Q4 2025; next reported leverage reading will clarify if debt load continues rising as margins compress.

⚠ Q3 2025 ROE of 12.0% and OpMargin of 7.7% set a high bar — watch whether mid-year 2026 can sustain or exceed that profitability peak.

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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.
$315.7M5,127,040 sh
FMR LLC
$168.4M2,734,635 sh
Neuberger Berman Group LLC
$158.2M2,569,225 sh
DIMENSIONAL FUND ADVISORS LP
$95.0M1,542,240 sh
Allspring Global Investments Holdings, LLC
$90.9M1,489,626 sh
VANGUARD CAPITAL MANAGEMENT LLC
$81.9M1,329,705 sh
STATE STREET CORP
$79.9M1,296,960 sh
Capital International Investors
$52.9M858,416 sh
MILLENNIUM MANAGEMENT LLC
$49.8M807,996 sh
GEODE CAPITAL MANAGEMENT, LLC
$45.4M737,349 sh

Fund	Value	Shares
BlackRock, Inc.	$315.7M	5,127,040
FMR LLC	$168.4M	2,734,635
Neuberger Berman Group LLC	$158.2M	2,569,225
DIMENSIONAL FUND ADVISORS LP	$95.0M	1,542,240
Allspring Global Investments Holdings, LLC	$90.9M	1,489,626
VANGUARD CAPITAL MANAGEMENT LLC	$81.9M	1,329,705
STATE STREET CORP	$79.9M	1,296,960
Capital International Investors	$52.9M	858,416
MILLENNIUM MANAGEMENT LLC	$49.8M	807,996
GEODE CAPITAL MANAGEMENT, LLC	$45.4M	737,349

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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.

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.