Stewart Information Services

STC · NYSE

$52.42+$0.28 (+0.54%)TodayMarket closed · Oct 20, 7:45 PM ET

Prev close $52.14

STC analyst rating

BuyConsensus of 5 analysts over the last 12 months. 80% rate it a buy.

Strong buy0
Buy4
Hold1
Underperform0
Sell0

12-month price target · 6 analysts

Average $76.63 (+46.2% upside)

Low: $47.12
Now: $52.42
High: $95.55

Upgrades and downgrades

The latest rating actions, newest first

STC analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Citizens	Oct 12, 2026	Maintains	Market Outperform	$80.00 → $75.00	69%
Keefe, Bruyette & Woods	Jul 27, 2026	Downgrade	Outperform → Market Perform	$77.00 → $71.00	53%
Benchmark	Jul 21, 2026	Initiates	Buy	$87.00	33%
Keefe, Bruyette & Woods	Jun 25, 2026	Maintains	Outperform	$81.00 → $77.00	53%
Stephens & Co.	May 18, 2026	Maintains	Overweight	$88.00	13%
Keefe, Bruyette & Woods	Apr 24, 2026	Maintains	Outperform	$78.00 → $81.00	53%
Keefe, Bruyette & Woods	Apr 10, 2026	Maintains	Outperform	$82.00 → $78.00	53%
Stephens & Co.	Feb 27, 2026	Upgrade	Equal-Weight → Overweight	$82.00	13%
Keefe, Bruyette & Woods	Feb 9, 2026	Maintains	Outperform	$81.00 → $82.00	53%
Citizens	Feb 2, 2026	Initiates	Market Outperform	$80.00	72%

The case for and against

Updated Oct 17, 2026

Bull case

Stewart Information Servs is viewed constructively because commercial title activity remains the clearest near-term earnings driver, supported by larger transactions, improved underwriting capacity, and FY 2025 National Commercial Services growth of 43% year over year. Its statutory surplus rose from about $575 million at year-end 2018 to about $827 million at year-end 2025, strengthening underwriting capacity and enabling participation in more complex deals while AI and market-density advantages should further improve productivity and underwriting outcomes. The company also has multiple growth levers, including direct-channel acquisitions, Agency share gains, and a faster-scaling Real Estate Solutions segment that rose from roughly 8% of operating revenues in 2021 to about 15% in 2025, adding more recurring and higher-margin earnings.

Bear case

Stewart Information Servs is facing a deteriorating near-term fundamental profile as residential demand remains highly rate-dependent, with higher mortgage rates weakening purchase and refinance activity and prolonging housing transaction softness. A recent big miss on adjusted EBITDA to about $7.5mm, with margin falling to 14.7% from 16.8% last year and 16.2% last quarter, shows that lower revenue mix, weaker demand, and pricing pressure are already compressing profitability. Management also cut F2026 guidance to $204mm–$205mm of revenue and 15%–16% adjusted EBITDA margins, while regulatory, competitive, and valuation risks could further limit recovery and keep the stock under pressure.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.