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Stewart Information Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$25.6M in Q3 2026 · $102M over twelve months

Operating cash flow$46.6M
Capital spending−$21.0M
Free cash flow+$25.6M
Cash / net income1.4×

Analysis

In Q3 2026, Stewart Information Services generated $46.6M of operating cash flow and spent $21.0M on capital projects, leaving free cash flow of $25.6M. That is $47.9M less than in Q3 2025 ($73.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $192M; the largest uses were acquisitions ($466M), capital spending ($90.1M), dividends ($65.5M); besides operations, cash came from other financing ($352M), other investing ($60.6M); the cash balance fell by $36.2M.

Operating cash flow was $46.6M against net income of $33.9M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: payables −$41.7M, depreciation & amortization +$19.3M, prepaid and other assets +$9.0M.

Free cash flow

Stewart Information Services: free cash flow by quarterStewart Information Services: free cash flow by quarter$55.6MQ4 2024−$42.2MQ1 2025$38.7MQ2 2025$73.6MQ3 2025$62.3MQ4 2025−$20.9MQ1 2026$35.0MQ2 2026$25.6MQ3 2026
Operating cash flow less capital spending.
Stewart Information Services: operating cash flow against capital spendingStewart Information Services: operating cash flow against capital spendingOperating cash flowCapital spending$68.0M$12.3MQ4 2024−$29.9M$12.3MQ1 2025$53.4M$14.8MQ2 2025$92.6M$19.1MQ3 2025$89.5M$27.2MQ4 2025−$4.5M$16.4MQ1 2026$60.5M$25.5MQ2 2026$46.6M$21.0MQ3 2026
Latest (Q3 2026): Operating cash flow $46.6M, Capital spending $21.0M.

Capital allocation, year by year

Stewart Information Services: where the cash came from (up) and went (down), by fiscal yearStewart Information Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $390MFY2021: Net borrowing $387MFY2021: Asset sales $10.7MFY2021: Capital spending −$39.8MFY2021: Acquisitions −$600MFY2021: Buybacks −$2.3MFY2021: Dividends −$36.6M$788MFY2021FY2022: Operating cash flow $192MFY2022: Net borrowing −$37.9MFY2022: Asset sales $644KFY2022: Capital spending −$47.9MFY2022: Acquisitions −$143MFY2022: Buybacks −$3.3MFY2022: Dividends −$44.7M$193MFY2022FY2023: Operating cash flow $83.0MFY2023: Asset sales $1.1MFY2023: Capital spending −$37.8MFY2023: Acquisitions −$25.1MFY2023: Buybacks −$1.8MFY2023: Dividends −$50.5M$84.1MFY2023FY2024: Operating cash flow $136MFY2024: Net borrowing $9KFY2024: Capital spending −$40.5MFY2024: Acquisitions −$14.4MFY2024: Buybacks −$3.8MFY2024: Dividends −$53.9M$136MFY2024FY2025: Operating cash flow $206MFY2025: Net borrowing $201MFY2025: Shares issued $141MFY2025: Capital spending −$73.4MFY2025: Acquisitions −$370MFY2025: Buybacks −$3.9MFY2025: Dividends −$58.5M$548MFY2025
Over these 5 years operating cash flow totalled $1.0B; the largest uses were acquisitions ($1.2B) and dividends ($244M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$206M
Debtnone
Net cash$206M

Stewart Information Services funds itself: free cash flow was $102M over the last twelve months, with $206M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Stewart Information Services: sources (+) and uses (−) of cash, Q3 2026Stewart Information Services: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$109MAcquisitions−$106MOperating cash flow$46.6MCapital spending−$21.0MOther investing−$17.8MDividends−$16.9MNet borrowing (+) / repaid (−)$8.0MPartners−$3.5MOther financing$1.9MExchange rates−$358KBuybacks−$107KAsset & business sales$37K
Stewart Information Services: sources (+) and uses (−) of cash, TTM to Q3 2026Stewart Information Services: sources (+) and uses (−) of cash, TTM to Q3 2026Acquisitions−$466MOther financing$352MOperating cash flow$192MCapital spending−$90.1MDividends−$65.5MOther investing$60.6MCash drawn (+) / kept (−)$36.2MPartners−$13.6MBuybacks−$5.8MExchange rates−$124K

From profit to cash

Stewart Information Services: net income to operating cash flow, Q3 2026Stewart Information Services: net income to operating cash flow, Q3 2026Net income$33.9MDepreciation & amortization$19.3MStock-based pay$4.1MOther non-cash−$335KReceivables$7.7MPayables−$41.7MPrepaid and other assets$9.0MOperating cash flow$46.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$46.6M−$21.0M−$106M−$107K−$16.9M$8.0M$109M$25.6M
Q2 2026$60.5M−$25.5M−$25.9M−$93K−$16.4M−$214K$9.6M$35.0M
Q1 2026−$4.5M−$16.4M−$1.9M−$5.2M−$16.3M$2.6M$50.5M−$20.9M
Q4 2025$89.5M−$27.2M−$331M−$322K−$15.9M—−$133M$62.3M
Q3 2025$92.6M−$19.1M−$30.0M−$91K−$14.7M—−$10.4M$73.6M
Q2 2025$53.4M−$14.8M−$1.1M−$109K−$14.0M—−$29.6M$38.7M
Q1 2025−$29.9M−$12.3M−$7.4M−$3.4M−$13.9M−$120K$67.8M−$42.2M
Q4 2024$68.0M−$12.3M—−$226K−$13.9M—−$32.5M$55.6M

Stewart Information Services: income statement and cash flow

Stewart Information Services, Q3 2026: revenue $901M (+13% year over year), operating margin 5.1%. The chart follows the revenue to costs, profit and cash.

Stewart Information Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.