NYSE$STC

Stewart Information Services Corporation · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Stewart Information Services reported Q4 2025, revenue of $790.6M, net income of $36.3M, diluted EPS of $1.25.

For Q4 2025, Stewart Information Services reported revenue of $790.6M, net income of $36.3M, diluted EPS was $1.25. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.

  • Revenue $790.6M.
  • Net income $36.3M.
  • Diluted EPS $1.25.

Headline financials

Total Revenue

$791M

Previous: $666M+18.7%
EPS (adj)

$1.25

Previous: -$0.05+2600.0%
Net Cash Provided by Operations

$89.5M

Previous: $68M+31.8%
Title Loss Expense as % of Revenue

3.4%

Previous: 3.7%-8.1%
Consolidated Employee Costs as % of Revenue

28.9%

Previous: 30.7%-5.9%
Consolidated Other Operating Expenses as % of Revenue

25.0%

Previous: 25.0%+0.0%
Title Employee Costs & Other OpEx as % of Revenue

47.0%

Previous: 49.0%-4.1%
Average Domestic Commercial Fee/File

$27.3K

Previous: $19.6K+39.3%
Average Domestic Residential Fee/File

$3.3K

Previous: $2.9K+13.8%
Net Income

$36.3M

Previous: -$1.71M+2225.3%
Operating Income

$51.7M

Previous: $41.6M+24.3%

Revenue & EPS history

Stewart · Revenue · Quarterly

$791M

Q4 2025+18.7%vs Q4 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 quarterly filing discusses operating priorities, capital returns, and sector risks; numeric multi-quarter bridges vary by issuer.

Tailwinds

  • MD&A highlights liquidity, capital, and core business trends.
  • Segment or product commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure near-term margins.
  • One-time items can affect year-over-year comparability.

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 Q4 2025

Historical avgQ4 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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