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Market Price

58.30 

1.78 3.2%

as of Apr 09 '21

52 Week Range:

25.81 58.36


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction services. The company operates in two segments, Title Insurance and Related Services, and Ancillary Services and Corporate. The Title Insurance and Related Services segment is involved in searching, examining, closing, and insuring the condition of the title to real property. This segment also offers home and personal insurance services; and services for tax-deferred exchanges. The Ancillary Services and Corporate segment provides appraisal management, search and valuation services, and online notarization and closing solution to the mortgage industry. The company offers its products and services through its directly owned policy-issuing offices, network of independent agencies, and other businesses within the company. It serves homebuyers and sellers, residential and commercial real estate professionals, mortgage lenders and servicers, title agencies and real estate attorneys, home builders, and mortgage brokers and investors. The company operates in the United States, Canada, the United Kingdom, Australia, and Central Europe. Stewart Information Services Corporation was founded in 1893 and is headquartered in Houston, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 23.68
23.42
29.31
28.60
27.48
27.25
27.76
28.04
28.29
31.78
35.31
growth rate -1.1% 25.2% -2.4% -3.9% -0.8% 1.9% 1.0% 0.9% 12.3% 11.1%
Earnings BIT 2.93
18.02
89.34
101.07
49.25
76.15
102.48
86.11
92.02
141.20
223.95
growth rate 515.0% 395.8% 13.1% -51.3% 54.6% 34.6% -16.0% 6.9% 53.5% 58.6%
Avg.PE -16.40
94.34
5.81
12.67
29.36
265.35
23.76
19.48
19.79
11.33
8.65
growth rate 100.0% -93.8% 118.1% 131.7% 803.8% -91.1% -18.0% 1.6% -42.8% -23.7%
ROA -1.00
0.20
8.92
4.82
2.19
-0.46
4.17
3.54
3.42
5.30
8.67
growth rate 100.0% 4,360.0% -46.0% -54.6% -100.0% 100.0% -15.1% -3.4% 55.0% 63.6%
ROE -2.85
0.53
21.43
10.30
4.41
-0.94
8.73
7.41
7.06
11.07
17.68
growth rate 100.0% 3,943.4% -51.9% -57.2% -100.0% 100.0% -15.1% -4.7% 56.8% 59.7%
ROIC -1.46
1.12
19.52
9.77
4.46
growth rate 100.0% 1,642.9% -50.0% -54.4%
Leverage 2.62
2.57
2.27
2.02
2.01
2.10
2.09
2.09
2.04
2.13
1.97
growth rate -1.9% -11.7% -11.0% -0.5% 4.5% -0.5% 0.0% -2.4% 4.4% -7.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 88.76
100.69
104.67
94.64
77.93
68.37
75.31
68.48
69.54
86.26
growth rate 13.4% 4.0% -9.6% -17.7% -12.3% 10.2% -9.1% 1.6% 24.0%
Acct.Payable 589.00
636.99
626.85
607.36
580.70
578.21
598.73
570.84
126.78
225.18
growth rate 8.2% -1.6% -3.1% -4.4% -0.4% 3.6% -4.7% -77.8% 77.6%
Cur.Assets 320.24
296.70
276.39
249.86
283.49
423.68
539.62
growth rate -7.4% -6.9% -9.6% 13.5% 49.5% 27.4%
Total Assets 1,141.20
1,156.14
1,291.18
1,326.06
1,392.48
1,321.59
1,341.72
1,405.89
1,372.93
1,592.79
1,978.58
growth rate 1.3% 11.7% 2.7% 5.0% -5.1% 1.5% 4.8% -2.3% 16.0% 24.2%
Cash 144.60
140.84
208.54
194.29
143.16
161.87
171.87
135.88
154.37
290.91
412.68
growth rate -2.6% 48.1% -6.8% -26.3% 13.1% 6.2% -20.9% 13.6% 88.5% 41.9%
Cur.Liabilities 607.36
580.70
578.21
598.73
570.84
126.78
264.57
growth rate -4.4% -0.4% 3.6% -4.7% -77.8% 108.7%
Liabilities 706.00
705.93
722.37
670.76
692.03
684.46
692.88
727.08
693.09
839.03
966.17
growth rate 0.0% 2.3% -7.1% 3.2% -1.1% 1.2% 4.9% -4.7% 21.1% 15.2%
LT Debt 73.10
76.24
71.17
32.95
65.58
98.60
99.51
103.21
101.54
106.92
98.92
growth rate 4.3% -6.7% -53.7% 99.1% 50.4% 0.9% 3.7% -1.6% 5.3% -7.5%
Equity 435.20
450.21
568.81
655.30
693.19
629.28
641.20
672.21
673.53
747.31
1,005.11
growth rate 3.5% 26.3% 15.2% 5.8% -9.2% 1.9% 4.8% 0.2% 11.0% 34.5%
Common Shares 18.00
19.00
24.00
25.00
25.00
24.00
23.00
24.00
24.00
24.00
25.00
growth rate 5.6% 26.3% 4.2% 0.0% -4.0% -4.2% 4.4% 0.0% 0.0% 4.2%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 9.90
17.70
16.75
17.28
19.54
19.66
18.16
16.40
10.68
17.08
14.99
growth rate 78.8% -5.4% 3.2% 13.1% 0.6% -7.7% -9.7% -34.9% 60.0% -12.2%
Cash Dividends 8.00
7.06
11.34
11.40
2.33
18.01
27.84
28.14
28.26
28.35
30.23
growth rate -11.8% 60.7% 0.5% -79.5% 671.6% 54.6% 1.1% 0.5% 0.3% 6.6%
Cash From OA 41.20
23.41
120.52
87.19
63.99
80.51
122.96
108.07
84.18
166.36
275.81
growth rate -43.2% 414.9% -27.7% -26.6% 25.8% 52.7% -12.1% -22.1% 97.6% 65.8%
FCF per Share 1.36
0.04
4.26
4.82
0.47
4.06
2.51
3.84
3.86
5.62
7.64
growth rate -97.1% 10,550.0% 13.2% -90.3% 763.8% -38.2% 53.0% 0.5% 45.6% 35.9%
Sale Purchase of Stock -22.05
-27.95
-1.05
-0.73
growth rate 0.0% 0.0% 0.0%
FCF 25.00
6.00
104.00
70.00
44.00
61.00
105.00
92.00
74.00
149.00
261.00
growth rate -76.0% 1,633.3% -32.7% -37.1% 38.6% 72.1% -12.4% -19.6% 101.4% 75.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 1,672.40
1,634.91
1,910.41
1,927.98
1,865.03
2,035.59
2,013.34
1,955.72
1,907.67
1,940.01
2,288.43
growth rate -2.2% 16.9% 0.9% -3.3% 9.1% -1.1% -2.9% -2.5% 1.7% 18.0%
Op.Income 2.93
8.68
118.98
72.58
49.25
76.15
102.48
86.11
92.02
141.20
223.95
growth rate 196.2% 1,271.0% -39.0% -32.2% 54.6% 34.6% -16.0% 6.9% 53.5% 58.6%
IBT 2.90
18.02
89.34
101.07
51.81
9.69
88.03
75.07
72.53
116.97
218.51
growth rate 521.3% 395.8% 13.1% -48.7% -81.3% 808.1% -14.7% -3.4% 61.3% 86.8%
Net Income -12.60
8.68
118.98
72.58
29.75
-6.20
55.48
48.66
47.52
78.62
154.91
growth rate 100.0% 1,271.0% -39.0% -59.0% -100.0% 100.0% -12.3% -2.3% 65.4% 97.0%
EPS -0.69
0.12
4.61
2.60
1.24
-0.26
1.85
2.06
2.01
3.31
6.22
growth rate 100.0% 3,741.7% -43.6% -52.3% -100.0% 100.0% 11.4% -2.4% 64.7% 87.9%
Gross Profit 1,523.95
768.86
941.31
973.23
1,045.08
1,119.76
1,096.17
1,022.09
1,009.11
1,056.36
1,228.73
growth rate -49.6% 22.4% 3.4% 7.4% 7.2% -2.1% -6.8% -1.3% 4.7% 16.3%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 101.58
10.16
52.44
98.61
59.54
growth rate -90.0% 416.1% 88.0% -39.6%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 69.54
57.67
64.61
77.69
86.26
growth rate -17.1% 12.0% 20.2% 11.0%
Acct.Payable 218.58
532.56
564.42
610.02
225.18
growth rate 143.6% 6.0% 8.1% -63.1%
Cur.Assets 354.14
370.50
395.98
480.54
539.62
growth rate 4.6% 6.9% 21.4% 12.3%
Total Assets 1,592.79
1,507.87
1,600.23
1,820.19
1,978.58
growth rate -5.3% 6.1% 13.8% 8.7%
Cash 290.91
275.30
271.41
360.46
412.68
growth rate -5.4% -1.4% 32.8% 14.5%
Inventory
growth rate
Cur.Liabilities 738.56
532.56
564.42
610.02
264.57
growth rate -27.9% 6.0% 8.1% -56.6%
Liabilities 839.03
770.79
812.90
869.32
966.17
growth rate -8.1% 5.5% 6.9% 11.1%
LT Debt 99.05
102.61
101.70
101.26
98.92
growth rate 3.6% -0.9% -0.4% -2.3%
Equity 747.31
731.75
781.11
943.88
1,005.11
growth rate -2.1% 6.7% 20.8% 6.5%
Common Shares 23.71
24.03
24.05
27.07
27.08
growth rate 1.4% 0.1% 12.6% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 5.12
4.78
2.02
3.70
4.50
growth rate -6.6% -57.9% 83.4% 21.8%
Cash Dividends -7.09
7.10
7.10
8.02
8.01
growth rate 100.0% 0.0% 12.9% -0.1%
Cash From OA 116.36
-11.36
61.47
90.75
134.95
growth rate -100.0% 100.0% 47.6% 48.7%
Sale Purchase of Stock
growth rate
FCF 111.24
-16.14
59.46
87.06
130.45
growth rate -100.0% 100.0% 46.4% 49.8%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 509.91
439.90
516.11
595.70
736.73
growth rate -13.7% 17.3% 15.4% 23.7%
Op.Income 101.58
10.16
52.44
98.61
59.54
growth rate -90.0% 416.1% 88.0% -39.6%
IBT 0.69
9.27
49.02
76.34
83.87
growth rate 1,251.3% 428.8% 55.7% 9.9%
Net Income -0.03
5.18
34.15
55.91
59.67
growth rate 100.0% 559.6% 63.7% 6.7%
EPS
growth rate
Gross Profit 481.02
221.90
265.84
336.22
404.77
growth rate -53.9% 19.8% 26.5% 20.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (77.75)

YOY Growth Grade:

E (31.12)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.66 9.37 9.97
EPS / Growth 5.1% 6.22 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.0% 7.7% 7.7%
Future PE 8.66 11.37 11.37
Future EPS 10.13 13.11 13.11
Value Price
MOS %
21.69
-62.8%
36.84
-36.8%
36.84
-36.8%
MOS Price 10.84 18.42 18.42
IRT 7.56 6.90 6.90

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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