STC FY 2025 Earnings Report — Stewart Information Services Corporation Revenue & Financial Results | Market Cap Arena

Stewart Information Services CorporationSTC

FY 2025 Earnings

Reported February 27, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$2.9B	—	$2.5B	—	17.3%
Op. Income	$166M	—	$114M	—	44.8%
Gross Margin	87.7%	—	96.8%	—	-9.0pp
Net Margin	4.0%	—	2.9%	—	1.0pp
EPS (Diluted)	$4.04	—	$2.61	—	54.8%
Free Cash Flow	$132M	—	$95M	—	39.0%

Revenue Flow

Item	Amount
REVENUE	$2.9B
Cost of Revenue	$359M
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$1.0B
SG&A Expenses	$1.0B
Other Expenses	$1.4B
Operating Expenses	$2.4B
Cost & Expenses	$2.8B
OPERATING INCOME	$166M
Interest Income	$0
Interest Expense	$20M
Other Income/Expenses	$0
INCOME BEFORE TAX	$166M
Income Tax Expense	$35M
Net Income from Continuing Ops	$130M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$116M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$116M
D&A	$61M
EBIT	$180M
EBITDA	$241M
EPS	$4
EPS Diluted	$4

Income Statement

Item	Amount
REVENUE	$2.9B
Cost of Revenue	$359M
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$1.0B
SG&A Expenses	$1.0B
Other Expenses	$1.4B
Operating Expenses	$2.4B
Cost & Expenses	$2.8B
OPERATING INCOME	$166M
Interest Income	$0
Interest Expense	$20M
Other Income/Expenses	$0
INCOME BEFORE TAX	$166M
Income Tax Expense	$35M
Net Income from Continuing Ops	$130M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$116M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$116M
D&A	$61M
EBIT	$180M
EBITDA	$241M
EPS	$4
EPS Diluted	$4

Cash Flow Statement

Item	Amount
Net Income	$116M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$93M
Change in Working Capital	-$3M
OPERATING CASH FLOW	$206M
Capital Expenditure	-$73M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$369M
NET CASH FROM INVESTING	-$369M
Net Debt Issuance	$200M
Common Stock Repurchased	-$4M
Common Dividends Paid	-$58M
Other Financing Activities	-$21M
NET CASH FROM FINANCING	$265M
FREE CASH FLOW	$132M
Net Change in Cash	$105M

Balance Sheet

Item	Amount
Cash & Equivalents	$322M
Short-Term Investments	$47.9B
Net Receivables	$38M
Inventory	$0
Other Current Assets	-$48M
TOTAL CURRENT ASSETS	$360M
PP&E (Net)	$191M
Goodwill	$1.3B
Intangible Assets	$325M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$1.1B
TOTAL NON-CURRENT ASSETS	$2.9B
TOTAL ASSETS	$3.3B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$0
Long-Term Debt	$769M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$53M
Other Non-Current Liabilities	$658M
TOTAL NON-CURRENT LIABILITIES	$1.6B
TOTAL LIABILITIES	$1.6B
Common Stock	$31M
Additional Paid-In Capital	$490M
Retained Earnings	$1.1B
Treasury Stock	-$3M
Accum. Other Comp. Income	-$22M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$1.6B
Minority Interest	$9M
TOTAL EQUITY	$1.7B
TOTAL LIABILITIES & EQUITY	$3.3B
Total Debt	$891M
Net Debt	$569M