STEWART INFORMATION SERVICES CORP's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), STEWART INFORMATION SERVICES CORP reported revenue of $2.9B (+17.3% year on year) and net income of $130.2M (+47.7% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Title revenues: | $2.4B | $2.1B | — | — |
| Real estate solutions | $438.3M | $358.6M | $2.2B | $3.0B |
| Operating revenues | $2.9B | $2.4B | — | — |
| Investment income | $57.8M | $55.4M | $45.1M | $22.4M |
| Net realized and unrealized gains (losses) | $5.6M | $12.9M | ($34.0K) | ($1.5M) |
| Revenues | $2.9B | $2.5B | $2.3B | $3.1B |
| Amounts retained by agencies | $1.0B | $864.8M | $813.5M | $1.2B |
| Employee costs | $830.6M | $745.4M | $712.8M | $802.0M |
| Other operating expenses | $714.6M | $604.0M | $507.7M | $648.0M |
| Title losses and related claims | $81.7M | $80.4M | $80.3M | $102.7M |
| Depreciation and amortization | $61.1M | $61.6M | $62.4M | $57.2M |
| Interest | $20.4M | $19.9M | $19.7M | $18.4M |
| Total expenses | $2.8B | $2.4B | $2.2B | $2.8B |
| Income before taxes and noncontrolling interests | $165.6M | $114.3M | $60.9M | $232.7M |
| Income tax expense | ($35.4M) | ($26.2M) | ($15.3M) | ($50.9M) |
| Less net income attributable to noncontrolling interests | $14.6M | $14.8M | $15.2M | $19.5M |
| Net income attributable to Stewart | $115.5M | $73.3M | $30.4M | $162.3M |
| Net income | $130.2M | $88.2M | $45.6M | $181.8M |
| Foreign currency translation adjustments | $11.5M | ($14.8M) | $5.3M | ($14.9M) |
| Change in net unrealized gains and losses on investments | $8.4M | $5.5M | $10.5M | ($35.4M) |
| Reclassification adjustment for realized gains and losses on investments | $1.5M | $1.1M | $390.0K | ($1.2M) |
| Other comprehensive income (loss), net of taxes | $21.5M | ($8.2M) | $16.1M | ($51.6M) |
| Comprehensive income | $151.7M | $80.0M | $61.7M | $130.2M |
| Less comprehensive income attributable to noncontrolling interests | $14.6M | $14.8M | $15.2M | $19.5M |
| Comprehensive income attributable to Stewart | $137.0M | $65.1M | $46.6M | $110.7M |
| Basic average shares outstanding (in shares) | 28.1M | 27.6M | 27.3M | 27.1M |
| Basic earnings per share attributable to Stewart (in usd per share) | $4.12 | $2.65 | $1.12 | $6.00 |
| Diluted average shares outstanding (in shares) | 28.6M | 28.1M | 27.5M | 27.3M |
| Diluted earnings per share attributable to Stewart (in usd per share) | $4.05 | $2.61 | $1.11 | $5.94 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Title revenues | $683.6M | $603.2M | $659.9M | $592.5M |
| Real estate solutions | $197.3M | $161.4M | $116.6M | $112.7M |
| Operating revenues | $881.0M | $764.6M | $776.5M | $705.2M |
| Investment income | $14.8M | $13.9M | $14.8M | $16.3M |
| Net realized and unrealized gains | $3.4M | $2.9M | $5.6M | $727.0K |
| Total revenues | $899.2M | $781.3M | $796.9M | $722.2M |
| Amounts retained by agencies | $314.9M | $276.1M | $299.5M | $252.1M |
| Employee costs | $241.1M | $221.1M | $211.2M | $208.2M |
| Other operating expenses | $241.1M | $217.5M | $185.2M | $173.5M |
| Title losses and related claims | $22.1M | $18.4M | $19.5M | $21.5M |
| Depreciation and amortization | $17.6M | $16.9M | $15.4M | $15.2M |
| Interest | $7.4M | $7.6M | $4.9M | $5.0M |
| Total expenses | $844.1M | $757.7M | $735.7M | $675.4M |
| Income before taxes and noncontrolling interests | $55.1M | $23.6M | $61.2M | $46.8M |
| Income tax expense | ($13.3M) | ($4.6M) | ($13.0M) | ($11.1M) |
| Net income attributable to Stewart | $37.2M | $17.0M | $44.3M | $31.9M |
| Net income | $41.8M | $19.1M | $48.2M | $35.6M |
| Foreign currency translation adjustments | ($2.2M) | ($2.6M) | ($5.2M) | $13.4M |
| Change in net unrealized gains and losses on investments | $920.0K | ($2.8M) | $3.1M | $734.0K |
| Reclassification adjustments for realized gains and losses on investments | $105.0K | $9.0K | $183.0K | $291.0K |
| Other comprehensive (loss) income, net of taxes | ($1.2M) | ($5.5M) | ($1.9M) | $14.5M |
| Comprehensive income | $40.6M | $13.6M | $46.3M | $50.1M |
| Less net income attributable to noncontrolling interests | $4.5M | $2.1M | $3.9M | $3.7M |
| Comprehensive income attributable to Stewart | $36.0M | $11.5M | $42.3M | $46.4M |
| Basic average shares outstanding (in shares) | 30.4M | 30.3M | 28.0M | 27.9M |
| Basic earnings per share attributable to Stewart (in usd per share) | $1.22 | $0.56 | $1.58 | $1.14 |
| Diluted average shares outstanding (in shares) | 30.9M | 30.8M | 28.5M | 28.3M |
| Diluted earnings per share attributable to Stewart (in usd per share) | $1.21 | $0.55 | $1.55 | $1.13 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and cash equivalents | $321.8M | $216.3M | $233.4M | $248.4M |
| Short-term investments | $47.9M | $41.2M | $39.0M | $24.3M |
| Debt securities (amortized cost of $558,544 and $599,287, respectively) | $558.5M | $586.6M | $610.2M | $611.9M |
| Equity securities | $47.7M | $82.5M | $69.7M | $98.1M |
| Investments in debt and equity securities, at fair value | $606.2M | $669.1M | $679.9M | $710.1M |
| Premiums from agencies | $38.3M | $36.8M | $38.7M | $39.9M |
| Trade and other | $116.6M | $87.7M | $75.7M | $67.3M |
| Income taxes | $3.1M | $3.1M | $3.5M | $10.3M |
| Notes | $39.8M | $21.0M | $14.6M | $7.5M |
| Allowance for credit losses | ($7.8M) | ($7.7M) | ($7.6M) | ($7.3M) |
| Total receivables | $190.1M | $140.8M | $124.9M | $117.7M |
| Land | $1.6M | $2.5M | $2.5M | $2.5M |
| Buildings and improvements | $16.2M | $19.8M | $19.2M | $18.8M |
| Furniture and equipment | $259.6M | $245.4M | $234.4M | $213.7M |
| Accumulated depreciation | ($192.1M) | ($180.2M) | ($173.8M) | ($153.5M) |
| Total property and equipment, at cost | $85.3M | $87.6M | $82.3M | $81.5M |
| Operating lease assets | $106.0M | $102.2M | $115.9M | $127.8M |
| Title plants, at cost | $81.7M | $74.9M | $73.4M | $73.4M |
| Investments in investees, on an equity method basis | $4.9M | $4.6M | $4.2M | $4.6M |
| Goodwill | $1.3B | $1.1B | $1.1B | $1.1B |
| Intangible assets, net of amortization | $325.1M | $173.1M | $193.2M | $199.1M |
| Deferred tax assets, net | $7.7M | $4.8M | $3.8M | $2.6M |
| Other assets | $204.2M | $131.5M | $80.7M | $75.4M |
| Total assets | $3.3B | $2.7B | $2.7B | $2.7B |
| Notes payable and line of credit | $646.6M | — | — | — |
| Accounts payable and accrued liabilities | $255.9M | $214.6M | $190.1M | $196.5M |
| Operating lease liabilities | $122.2M | $118.8M | $135.7M | $148.0M |
| Estimated title losses | $524.5M | $511.5M | $528.3M | $549.4M |
| Deferred tax liabilities, net | $53.3M | $28.3M | $25.0M | $26.6M |
| Total liabilities | $1.6B | $1.3B | $1.3B | $1.4B |
| Common Stock – $1 par, authorized 51,500,000; issued 30,575,472 and 28,115,852; outstanding 30,223,311 and 27,763,691, respectively | $30.6M | $28.1M | $27.7M | $27.5M |
| Additional paid-in capital | $489.7M | $330.6M | $310.7M | $296.9M |
| Retained earnings | $1.1B | $1.1B | $1.1B | $1.1B |
| Foreign currency translation adjustments | ($21.9M) | ($33.4M) | ($18.6M) | ($23.9M) |
| Net unrealized losses on debt securities investments | ($44.0K) | ($10.0M) | ($16.6M) | ($27.5M) |
| Treasury stock – 352,161 common shares, at cost, for both 2025 and 2024 (including 145,820 shares held by a subsidiary) | -2.7M | -2.7M | -2.7M | -2.7M |
| Total stockholders’ equity attributable to Stewart | $1.6B | $1.4B | $1.4B | $1.4B |
| Noncontrolling interests | $9.3M | $8.9M | $7.1M | $8.1M |
| Total stockholders’ equity | $1.7B | $1.4B | $1.4B | $1.4B |
| Total liabilities and stockholders' equity | $3.3B | $2.7B | $2.7B | $2.7B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and cash equivalents | $261.6M | $271.2M | $188.5M | $178.1M |
| Short-term investments | $46.9M | $46.3M | $44.6M | $45.7M |
| Debt securities (amortized cost of $554,257 and $558,544) | $551.9M | $551.2M | $606.0M | $605.0M |
| Equity securities | $54.4M | $51.3M | $88.8M | $84.7M |
| Investments in debt and equity securities, at fair value | $606.4M | $602.5M | $694.8M | $689.7M |
| Premiums from agencies | $37.5M | $35.5M | $41.1M | $39.2M |
| Trade and other | $155.1M | $145.6M | $105.1M | $105.9M |
| Income taxes | $6.4M | $5.1M | $4.1M | $3.7M |
| Notes | $36.8M | $39.1M | $40.7M | $26.1M |
| Allowance for uncollectible amounts | ($8.1M) | ($9.2M) | ($9.2M) | ($8.9M) |
| Total receivables | $227.7M | $216.2M | $181.7M | $166.1M |
| Land | $1.6M | $1.6M | $1.6M | $1.6M |
| Buildings and improvements | $16.4M | $16.3M | $16.2M | $16.2M |
| Furniture and equipment | $288.1M | $271.5M | $260.9M | $256.9M |
| Accumulated depreciation | ($207.9M) | ($197.6M) | ($194.3M) | ($191.5M) |
| Property and equipment | $98.2M | $91.9M | $84.3M | $83.2M |
| Operating lease assets | $108.5M | $108.0M | $109.3M | $113.6M |
| Title plants, at cost | $81.7M | $81.7M | $75.7M | $75.0M |
| Goodwill | $1.3B | $1.3B | $1.1B | $1.1B |
| Intangible assets, net of amortization | $321.6M | $316.1M | $158.1M | $158.3M |
| Deferred tax assets | $7.9M | $7.7M | $4.8M | $4.8M |
| Other assets | $237.2M | $220.2M | $183.9M | $173.9M |
| Total assets | $3.3B | $3.2B | $2.8B | $2.8B |
| Notes payable | $646.7M | $646.7M | $446.1M | $446.0M |
| Accounts payable and accrued liabilities | $270.4M | $251.9M | $234.5M | $203.9M |
| Operating lease liabilities | $124.2M | $123.9M | $125.0M | $129.8M |
| Estimated title losses | $519.2M | $516.8M | $520.4M | $523.1M |
| Deferred tax liabilities | $58.1M | $53.0M | $37.6M | $32.1M |
| Liabilities, Total | $1.6B | $1.6B | $1.4B | $1.3B |
| Common Stock ($1 par value) and additional paid-in capital | $527.8M | $522.0M | $375.3M | $367.0M |
| Retained earnings | $1.2B | $1.1B | $1.1B | $1.1B |
| Foreign currency translation adjustments | ($26.7M) | ($24.5M) | ($24.2M) | ($19.0M) |
| Net unrealized losses on debt securities investments | ($1.8M) | ($2.9M) | ($338.0K) | ($3.6M) |
| Treasury stock – 352,161 common shares, at cost | -2.7M | -2.7M | -2.7M | -2.7M |
| Stockholders’ equity attributable to Stewart | $1.7B | $1.6B | $1.5B | $1.4B |
| Noncontrolling interests | $9.4M | $7.7M | $8.5M | $8.5M |
| Total stockholders’ equity ($30,449,652 and 30,223,311 shares outstanding) | 1.7B | 1.6B | 1.5B | 1.4B |
| Total liabilities and stockholders' equity | $3.3B | $3.2B | $2.8B | $2.8B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $130.2M | $88.2M | $45.6M | $181.8M |
| Depreciation and amortization | $61.1M | $61.6M | $62.4M | $57.2M |
| Provision for credit losses on receivables | $2.3M | $2.2M | $2.4M | $824.0K |
| Net realized and unrealized (gains) losses | ($5.6M) | ($12.9M) | — | — |
| Amortization of net (discount) premium on debt securities investments | ($1.5M) | ($792.0K) | $486.0K | $2.2M |
| Payments for title losses less than (in excess of) provisions | $4.8M | ($5.0M) | ($24.0M) | $9.6M |
| Adjustments for insurance recoveries of title losses | $0 | $208.0K | ($208.0K) | $220.0K |
| Increase in receivables – net | ($14.8M) | ($12.1M) | ($5.4M) | $10.2M |
| (Increase) decrease in other assets – net | ($20.1M) | ($17.5M) | $3.2M | $2.5M |
| Increase (decrease) in payables and accrued liabilities – net | $23.8M | $13.3M | ($6.4M) | ($87.5M) |
| Change in net deferred income taxes | $8.3M | $4.5M | ($6.8M) | $293.0K |
| Net income from equity investees | ($2.5M) | ($1.8M) | ($1.1M) | ($3.3M) |
| Dividends received from equity investees | $2.2M | $1.4M | $1.4M | $3.7M |
| Stock-based compensation expense | $17.1M | $13.6M | $10.9M | $12.3M |
| Other – net | $500.0K | $681.0K | $419.0K | $445.0K |
| Cash provided by operating activities | $205.7M | $135.6M | $83.0M | $191.9M |
| Proceeds from sales of investments in securities | $140.9M | $36.6M | $60.5M | $66.7M |
| Proceeds from matured investments in debt securities | $73.8M | $94.0M | $71.8M | $37.1M |
| Purchases of investments in securities | ($112.1M) | ($121.5M) | ($78.0M) | ($207.5M) |
| Net purchases of short-term investments | ($4.2M) | ($4.7M) | ($14.3M) | ($7.2M) |
| Purchases of property and equipment and other long-lived assets | ($73.4M) | ($40.5M) | ($37.8M) | ($47.9M) |
| Cash paid for acquisition of businesses and related assets | ($370.0M) | ($14.4M) | ($25.1M) | ($142.9M) |
| Increase in notes receivable | ($21.7M) | ($8.3M) | — | — |
| Purchases of cost-basis and other investments | ($8.8M) | ($31.6M) | — | — |
| Other – net | $6.9M | $3.1M | ($8.1M) | $446.0K |
| Cash used by investing activities | ($368.6M) | ($87.3M) | ($30.0M) | ($300.7M) |
| Proceeds from notes payable and line of credit | $201.2M | — | — | — |
| Payments on notes payable | ($1.2M) | ($3.4M) | ($5.8M) | ($76.5M) |
| Cash dividends paid | ($58.5M) | ($53.9M) | ($50.5M) | ($44.7M) |
| Distributions to noncontrolling interests | ($13.9M) | ($13.1M) | ($16.1M) | ($20.6M) |
| Payment of acquisition contingent consideration | ($5.4M) | ($720.0K) | ($3.4M) | ($19.8M) |
| Issuance of Common Stock | $140.8M | — | — | $0 |
| Repurchases of Common Stock | ($3.9M) | ($3.8M) | ($1.8M) | ($3.3M) |
| Proceeds from stock option and employee stock purchase plan exercises | $7.5M | $10.6M | $5.0M | $5.8M |
| Other - net | ($1.3M) | $54.0K | $0 | $115.0K |
| Cash provided (used) by financing activities | $265.2M | ($61.0M) | ($69.1M) | ($123.2M) |
| Effects of changes in foreign currency exchange rates | $3.2M | ($4.5M) | $1.0M | ($5.5M) |
| Net change in cash and cash equivalents | $105.5M | ($17.1M) | ($15.0M) | ($237.6M) |
| Cash and cash equivalents at beginning of year | $216.3M | $233.4M | $248.4M | $485.9M |
| Cash and cash equivalents at end of year | $321.8M | $216.3M | $233.4M | $248.4M |
| Goodwill acquired (adjusted) | $187.8M | $12.9M | — | — |
| Intangible assets acquired | $184.0M | $12.0M | $28.7M | $12.6M |
| Receivables and other assets acquired | $22.3M | $37.0K | $296.0K | $8.0M |
| Fixed assets and title plants (adjusted) acquired | $1.8M | $0 | ($225.0K) | — |
| Liabilities recognized | ($25.9M) | ($10.5M) | ($3.0M) | ($27.8M) |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $60.8M | $19.1M | $89.2M | $41.1M |
| Depreciation and amortization | $34.5M | $16.9M | $45.9M | $30.5M |
| Adjustments for bad debt provisions | $1.5M | $1.8M | $2.3M | $1.6M |
| Net realized and unrealized gains | ($6.3M) | ($2.9M) | ($9.4M) | ($3.8M) |
| Amortization of net discount on debt securities investments | ($801.0K) | ($405.0K) | ($1.1M) | ($631.0K) |
| Payments for title losses (in excess of) less than provisions | ($2.6M) | ($6.0M) | $2.9M | $3.6M |
| Adjustments for insurance recoveries of title losses | $0 | — | $0 | ($308.0K) |
| Increase in receivables – net | ($39.6M) | ($25.1M) | ($23.5M) | ($21.4M) |
| Increase in other assets – net | ($15.5M) | ($9.7M) | ($21.7M) | ($23.0M) |
| Increase (decrease) in accounts payable and other liabilities – net | $6.3M | ($4.0M) | $13.2M | ($13.4M) |
| Change in net deferred income taxes | $7.0M | $1.2M | $5.4M | $33.0K |
| Net income from equity method investments | ($976.0K) | ($249.0K) | ($1.7M) | ($812.0K) |
| Dividends received from equity method investments | $1.2M | $559.0K | $1.4M | $1.1M |
| Stock-based compensation expense | $9.9M | $4.2M | $13.0M | $8.8M |
| Other – net | $538.0K | $180.0K | $328.0K | $208.0K |
| Cash provided by operating activities | $56.0M | ($4.5M) | $116.1M | $23.5M |
| Proceeds from sales of investments in securities | $2.1M | $1.0M | $44.3M | $37.0M |
| Proceeds from matured investments in debt securities | $61.3M | $13.9M | $68.0M | $47.8M |
| Purchases of investments in securities | ($71.7M) | ($18.8M) | ($100.6M) | ($72.2M) |
| Net sales (purchases) of short-term investments | $2.2M | $135.0K | ($1.3M) | ($2.7M) |
| Purchases of property and equipment and other long-lived assets | ($41.9M) | ($16.4M) | ($46.2M) | ($27.1M) |
| Proceeds from sale of property and equipment and other assets | $27.0K | $53.0K | $3.7M | $2.8M |
| Cash paid for acquisition of businesses and related assets | ($27.8M) | ($1.9M) | ($38.6M) | ($8.5M) |
| Increase in notes receivable | ($110.0K) | $0 | ($21.7M) | ($6.0M) |
| Purchases of cost-basis and other investments | ($714.0K) | ($71.0K) | ($1.8M) | ($1.4M) |
| Other – net | $3.2M | $319.0K | $2.0M | $848.0K |
| Cash used by investing activities | ($73.5M) | ($21.9M) | ($92.0M) | ($29.5M) |
| Proceeds from notes payable | $2.7M | $2.6M | $995.0K | $995.0K |
| Payments on notes payable | ($2.9M) | ($2.5M) | ($1.1M) | ($1.1M) |
| Distributions to noncontrolling interests and other | ($6.7M) | ($3.9M) | ($10.4M) | ($6.5M) |
| Repurchases of Common Stock | ($5.3M) | ($5.2M) | ($3.6M) | ($3.5M) |
| Proceeds from stock option and employee stock purchase plan exercises | $3.0M | $2.8M | $7.2M | $2.9M |
| Cash dividends paid | ($32.7M) | ($16.3M) | ($42.6M) | ($27.9M) |
| Payment of contingent consideration related to acquisitions | ($603.0K) | ($316.0K) | ($5.1M) | ($445.0K) |
| Cash used by financing activities | ($42.5M) | ($22.9M) | ($54.7M) | ($35.5M) |
| Effects of changes in foreign currency exchange rates | ($148.0K) | ($1.3M) | $2.8M | $3.3M |
| Change in cash and cash equivalents | ($60.1M) | ($50.5M) | ($27.8M) | ($38.2M) |
| Cash and cash equivalents at beginning of period | $321.8M | $321.8M | $216.3M | $216.3M |
| Cash and cash equivalents at end of period | $261.6M | $271.2M | $188.5M | $178.1M |
STEWART INFORMATION SERVICES CORP score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.