NAS10029,813+0.55%S&P7,744+0.28%GOLD$4,052−0.56%BTC$79,694−1.38%VIX16.91−3.48%latest tape · as of 04:01 UTC
The Screen · Financials · Insurance - Property & Casualty
Stewart Information Services Corporation
STC · the NYSE · USD · Market cap $1.3B · 8,000 employees
Stewart Information Services Corporation, through its subsidiaries, provides title insurance and real estate transaction related services in the United States and internationally.
FAIL · Does not pass the screen
43.48 USD
Price as of 27 Oct 2026Daily close, not a live quote
Screened 2026-10-27 · the tape above runs as of 04:01 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price43.48 USD at the 27 Oct 2026 close
Ethical screenDoes not pass
Last reviewed27 Oct 2026 (2 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 43.48 against the desk's fair-value range, base estimate 75.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price43.48 USD
Fair value75.00
Ethical score30.0/100
Our investment reviews on this name
2026-10-11Read Distribution59.73-27.2% to today ✓Markdown gives way to Distribution with volume flow in agreement
2026-10-02Read Markdown59.73-27.2% to today ✓Accumulation gives way to Markdown after a 12% slide in 3 weeks
2026-09-13Read Accumulation67.53-35.6% to today Markup gives way to Accumulation while volume is distributing
2026-08-13Read Markup68.65-36.7% to today Markdown gives way to Markup after a 5% rise in 6 weeks
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Stewart Information Services Corporation holds its Distribution at $43.48. Consolidating, no directional conviction, held for 14 days.
As held on the ledger · 2026-10-27
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 14 days
Price at the screen
$43.48
Valuation
10.87 trailing · 7.51 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.05
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: insurance
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: insurance
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Stewart Information Services does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when STC's ethical verdict changes
Today STC does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-27 screen. The gold marker is the market price at the same screen. A 72.5% margin of safety to the base estimate.
Third-party analyst targets: 4 covering, consensus Buy. The average target sits +67% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-27 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Title Insurance Hits Every Home Sale But Ethics Say No
Every time a family closes on a new home the paperwork includes title insurance to protect against hidden ownership claims. Stewart Information Services sits in that chain, handling searches, exams and policies across the US property market. Revenue jumped 28 percent lately, the shares trade at 9.8 times forward earnings and the gap to our fair value sits at 22 percent.
We pass for one clear reason. The business fails our ethical screen because it operates in insurance, a sector we exclude outright. Low profit margins of 4 percent and a 9 percent return on equity underline a thin business even before the ethical line is drawn. Analyst targets around 80 dollars do not change the call.
Real estate cycles can crush title volumes when rates rise or transactions slow, and unknown competitive protection leaves little cushion. The low multiple may simply reflect peak earnings rather than a bargain. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
STC trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-28Distribution$43.48-14.5%Entry 16
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 14.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. Insiders have been net buyers over the past quarter. Since the last review it its composite score eased.
2026-10-21Distribution$50.84+0.0%Entry 15
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Distribution$50.84+0.0%Entry 14
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Distribution$50.84+0.0%Entry 13
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Distribution$50.84+0.0%Entry 12
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Distribution$50.84+0.0%Entry 11
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Distribution$50.84+0.0%Entry 10
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Distribution$50.84+0.3%Entry 9
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 0.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Distribution$50.70-15.1%Entry 8
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 15.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (3 analysts) rates it buy, with a mean price target of $83.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
