NYSE$STC

Stewart Information Services Corporation · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Stewart Information Services reported Q3 2025, revenue of $678.9M, net income of $48.2M, diluted EPS of $1.65.

For Q3 2025, Stewart Information Services reported revenue of $678.9M, net income of $48.2M, diluted EPS was $1.65. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $678.9M.
  • Net income $48.2M.
  • Diluted EPS $1.65.

Headline financials

Total Revenue

$797M

Previous: $668M+19.3%
EPS (adj)

$1.65

Previous: $1.07+54.2%
Net Cash Provided by Operations

$92.6M

No prior period
Title Loss Expense as % of Revenue

3.0%

No prior period
Consolidated Employee Costs as % of Revenue

27.2%

No prior period
Consolidated Other Operating Expenses as % of Revenue

23.8%

No prior period
Title Employee Costs & Other OpEx as % of Revenue

44.0%

Previous: 47.0%-6.4%
Average Domestic Commercial Fee/File

$17.7K

No prior period
Average Domestic Residential Fee/File

$3.2K

No prior period
Net Income

$44.3M

Previous: $30.1M+47.1%
Operating Income

$61.2M

Previous: $240M-74.5%

Revenue & EPS history

Stewart · Revenue · Quarterly

$797M

Q3 2025+19.3%vs Q3 2024
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Revenue by segment

Stewart · $524M total across 2 segments · Q1 2023

  • Title Segment
    $462M
  • Real Estate Solutions Segment
    $62.6M-29.9%

Forward guidance

The release discusses Stewart Information Services's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Stewart Information Services cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.6%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+0.9%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+15.5%

Q3 2014

Best reaction

-13.5%

Q2 2017

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+3.9%+4.4%-1.0%
Q4 2025+2.9%+4.4%-2.7%
Q3 2025-4.4%-4.6%-0.9%
Q2 2025-1.2%-1.5%+3.9%
Q1 2025-1.9%-2.3%-9.0%
Q4 2024+3.9%+3.4%+4.8%
Q3 2024+5.1%+2.3%+9.8%
Q2 2024-2.0%-4.2%-1.0%
Q1 2024-3.1%-0.8%+1.4%
Q4 2023-1.3%+3.5%+1.2%
Q3 2023+7.8%+8.6%+16.1%
Q2 2023+1.8%+1.9%-3.9%
Q1 2023+3.1%+4.2%+12.5%
Q4 2022-12.1%-8.1%-22.1%
Q3 2022-6.7%-9.2%+1.6%
Q2 2022+4.1%+5.6%+3.1%
Q1 2022+1.2%+1.2%+9.9%
Q4 2021-4.2%-8.8%-10.8%
Q3 2021-1.3%+0.2%+7.0%
Q2 2021+2.6%+5.3%+6.7%
Q1 2021+1.5%+5.5%+7.8%
Q4 2020+3.1%+4.8%+5.6%
Q3 2020-7.4%-3.3%-2.0%
Q2 2020+4.2%+14.9%+14.1%
Q1 2020+5.4%+7.5%+8.3%
Q4 2019-3.3%-6.6%-10.3%
Q3 2019+2.7%+5.2%+9.4%
Q2 2019-0.8%+1.2%-8.1%
Q1 2019-2.8%-3.0%-2.3%
Q4 2018-1.3%-1.2%-2.2%
Q3 2018-1.6%+0.2%+0.0%
Q2 2018+3.3%+2.4%+2.4%
Q1 2018-0.2%-0.3%+2.6%
Q4 2017-6.2%-4.9%-5.5%
Q3 2017+1.3%+3.4%+5.4%
Q2 2017-13.5%-14.1%-21.2%
Q1 2017+1.5%+4.6%-2.0%
Q4 2016+0.8%+2.5%-1.9%
Q3 2016-2.7%+2.0%+1.4%
Q2 2016+2.0%+1.0%+7.5%
Q1 2016+1.9%
Q4 2015+3.8%
Q3 2015-0.0%
Q2 2015+1.9%
Q1 2015-3.5%
Q4 2014+2.3%
Q3 2014+15.5%
Q2 2014-0.2%
Q1 2014+2.5%
Q4 2013+10.7%
Q3 2013+2.2%
Q2 2013+0.8%
Q1 2013+1.8%
Q2 2012+3.4%
Q4 2012+3.4%
Q3 2012+1.7%
Q1 2012-1.1%
Q4 2011+3.9%
Q2 2011+3.9%
Q3 2011+1.2%
Q4 2010-2.5%
Q1 2011-0.1%
Q3 2010-0.9%
Q2 2010+8.1%
Q1 2010-4.4%

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