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Stewart Information Services (STC) investor relations material
Stewart Information Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 revenues reached $797 million, up 19–20% year-over-year, with net income rising 47% to $44.3 million ($1.55 per diluted share); adjusted net income was $47 million ($1.64 per share), and pretax income rose to $61.2 million.
Strong performance was driven by both title and real estate solutions segments, with management confident in continued improvement and a gradual return to a more normal housing market by 2026.
Q3 2025 included $5.6 million in pretax net realized and unrealized gains, mainly from equity securities and a property sale.
Book value per share increased to $52.58 as of September 30, 2025.
Management expects gradual market improvement and margin expansion as volumes recover.
Financial highlights
Q3 2025 revenues were $797 million, up from $667.9 million in Q3 2024; nine-month revenues reached $2.13 billion.
Adjusted pre-tax margin improved to 9% from 7.7% last year; GAAP pretax margin was 7.7%, up from 6.4%.
Net cash provided by operations increased to $92.6 million in Q3 and $116.1 million for the first nine months of 2025.
Book value per share at September 30, 2025, was $52.58, up from $50.50 at year-end 2024.
Debt-to-equity and debt-to-capitalization ratios were 30% and 23%, respectively.
Outlook and guidance
Management expects the housing market to gradually improve through 2026, with a return to 5 million existing home sales annually and sequential increases in home sales and loan originations in Q4 2025.
Margins in the real estate solutions segment are expected to remain in the low teens, with potential for mid-teens as market volumes recover.
Interest income is expected to remain consistent or slightly down, depending on rate cuts and volume growth.
The company believes it has sufficient liquidity and capital resources to meet ongoing needs, even amid elevated mortgage rates.
Management remains committed to operational discipline and growth across all business lines.
Explain revenue growth despite flat order counts
Why did RES pretax margin decline YoY?
Is favorable claims experience sustainable?
How will Stewart capitalize on 2026 market normalization?
What drives Agency Services' 28% revenue growth?
Path to mid-teen RES margins?
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Next Stewart Information Services earnings date
Stephens Annual Investment Conference19 Nov, 2025
Next Stewart Information Services earnings date
Stephens Annual Investment Conference19 Nov, 2025
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Frequently asked questions
Stewart Information Services Corporation provides title insurance and real estate transaction services. The company supports residential and commercial property sales through underwriting, escrow, and settlement solutions. It operates through a network of direct operations and independent agents. The company is headquartered in Houston, Texas, and its shares are listed on the NYSE.
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