Stewart Information Services Corporation

STCNYSEFinancial Services● Active

$65.48

$-0.35(-0.54%)

Market Cap$2.0B

P/E Ratio—

52W High$78.61

52W Low$56.39

Avg Volume204K

Open$65.93

Beta1.01

Overview

Stewart Information Services Corporation (STC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

STC · free cash flow · updated Jun 8, 2026

Core FCF metrics

STC · FCF · TTM · margin & CAGR

Free cash flow was $132.3M for FY2025 (fiscal year ending 2025-12-31), up 39.0% year-over-year The FCF margin was 4.5%. Five-year CAGR stands at -12.7%.

FY2025 Free Cash Flow$132.3M▲ +39.0% YoY

Trailing 12M (TTM)$153.6Mtrailing 4 quarters sum

FCF Margin4.5%$132.3M ÷ revenue

3-Year CAGR-2.8%FY2022 → FY2025

5-Year CAGR-12.7%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

STC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$205.7M(73M)$132.3M▲ +39.0%4.5%

FY2024$135.6M(40M)$95.1M▲ +110.3%3.8%

FY2023$83.0M(38M)$45.3M▼ 68.6%2.0%

FY2022$191.9M(48M)$143.9M▼ 58.9%4.7%

FY2021$390.3M(40M)$350.5M▲ +34.4%10.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

STC · P/FCF · FCF yield · FCF per share

Stewart Information Services Corporation (STC) trades at a FCF yield of 7.70% and a price-to-free-cash-flow ratio of 12.4x. FCF per share stands at $5.29, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.70%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$5.29

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x16.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

STC · cash flow statement · operating / investing / financing

For FY2025, Stewart Information Services Corporation generated $205.7M in operating cash flow and spent 73M in capital expenditures, yielding $132.3M in free cash flow.

Operating Activities

+$205.7M

Cash from core business operations

2025-12-31

Investing Activities

−$368.6M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$265.2M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($205.7M) − |CapEx| (73M) = FCF ($132.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

STC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Stewart Information Services CorporationYOU

STC

$132.3M+39.0%4.5%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Stewart Information Services Corporation (STC) reported free cash flow of $132.3M for FY2025 (fiscal year ending 2025-12-31), up 39.0% year-over-year. The FCF margin was 4.5%.

Based on available data, Stewart Information Services Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $350.5M in FY2021. The 5-year CAGR stands at -12.7%.

Stewart Information Services Corporation's FCF yield is 7.70% and price-to-FCF ratio is 12.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

STC free cash flow · 8 questions

Stewart Information Services Corporation free cash flow was $132.3M for FY2025, up 39.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $153.6M.

STC free cash flowSTC FCFSTC FCF 2025STC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Stewart Information Services Corporation · Stewart Information Services Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026