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Stewart Information Services (STC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Stewart Information Services (STC) Q3 2026 earnings results →
Q3 2026 Revenue up 13% year over year to $901M · 3¢ of every $1 of revenue kept as net profit · operating margin 5.1%
Stewart Information Services made $901M in Q3 2026 (+13% Y/Y). Operating margin 5.1%, net earnings $30.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $900.7M in Q3 2026, up 13% year over year and roughly flat from the previous quarter.
Operating profit was $45.6M, a 5.1% margin (down 2.6 points year over year). Operating profit fell $15.6M even though revenue rose $103.8M versus Q3 2025, so costs grew faster than sales. Total costs grew 16% against revenue growth of 13%. Net earnings were $30.3M, down 31% year over year. The effective tax rate was 25.5%.
Operating cash flow was $46.6M (down 50% year over year), 137% of net income including minority interests. Non-cash charges added back $19.3M of depreciation and amortization and $4.1M of share-based compensation. Working capital and other items used $10.7M. Capital expenditures of $21.0M left free cash flow of $25.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $901M | +13% | 5.1% | $30.3M | $46.6M |
| Q2 2026 | 10-Q | Aug 4, 2026 | $899M | +24% | 6.1% | $37.2M | $60.5M |
| Q1 2026 | 10-Q | May 6, 2026 | $781M | +28% | 3.0% | $17.0M | −$4.5M |
| Q4 2025 | 10-K | Feb 27, 2026 | $791M | +19% | 6.5% | $36.3M | $89.5M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $797M | +19% | 7.7% | $44.3M | $92.6M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $722M | +20% | 6.5% | $31.9M | $53.4M |
| Q1 2025 | 10-Q | May 7, 2025 | $612M | +10% | 1.0% | $3.1M | −$29.9M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Stewart Information Services
Founded in 1893, Stewart Information Services Corporation (NYSE:STC) (Stewart) is a customer-focused, global title insurance and real estate services company offering products and services through our direct operations, network of approved agencies and other companies within the Stewart family. One of the largest global title insurance companies and underwriters in the industry, Stewart provides services to homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies, real estate attorneys and home builders. Stewart also provides credit and real estate data services, property preservation and field services, valuation management services, online notarization and closing services, search services, home and personal insurance services, tax-deferred exchanges, and technology services to streamline the real estate process.
In its own words, from its 10-K, filed Feb 27, 2026.
Stewart Information Services against its Title Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +13% against the peers' median +12%. Operating margin: 5.1% against the peers' median 13.9%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| STC Stewart Information Services | Q3 2026 | $901M | +13% | 5.1% |
| FNF Fidelity National Financial | Q3 2026 | $3.6B | -11% | 34.8% |
| FAF First American Financial | Q3 2026 | $2.1B | +5% | 10.9% |
| ITIC Investors Title | Q3 2026 | $81.9M | +12% | 13.9% |
Source: Stewart Information Services 10-Q on SEC EDGAR · CIK 94344 · Title Insurance
Guidance and outlook
13F: who owns STC and who is buying
More on STC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results