Stewart Information Services Corporation (STC) Fair Value 2026

STC · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

LOW (31/100)

Quick Summary — As of 2026-10-07, Stewart Information Services Corporation (STC) trades at $51.72, versus a $42.97 median fair value across its 6 active models — 16.9% below the current price. QOC: 7.5/10. Value Trap Risk: 31/100 (LOW). 6/13 models active.

Key Facts

Ticker
STC
Price
$51.72
Quality Score
7.5/10
Value Trap Risk
31/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Stewart Information Services Corporation (STC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Stewart Information Services Corporation (STC) appears overvalued as of : the median of 6 independent fair value estimates is $42.97, 16.9% below the current price of $51.72. Estimates range from $36.82 to $117.41. STC scores 7.5/10 on fundamental quality and 31/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. STC’s -16.9% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -10.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Stewart Information Services Corporation Stock in 2026? →

What Fair Value Does Each Model Give STC?

6 Intrinsic Value Models vs. Current Price ($51.72)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $36.82 -28.8%
Ensemble · Low Conviction
 $43.83 -15.2%
Intrinsic · High Conviction
 $37.38 -27.7%
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What Is STC's Fair Value Range?

Spread across 6 independent models · $36.82 to $117.41

CirclFi's 6 active models place Stewart Information Services Corporation (STC) between $36.82 and $117.41 per share, a spread of 188% of the median. The median of that range — $42.97 — is the fair value CirclFi publishes for STC, against a current price of $51.72.

Low · EPVHigh · Regime Cross
$36.82median $42.97$117.41
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$36.82
Most bullish modelRegime Cross-Sectional$117.41
Model agreement2 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for STC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on STC, not a CirclFi price target. How each model works →

What Is Stewart Information Services Corporation (STC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Stewart Information Services Corporation's intrinsic value is estimated at a median fair value of $42.97. Trading at $51.72, the stock is approaching fair value or slight overvaluation (implied return of -16.9%), as 4 of 6 models suggest limited further upside. The most optimistic model, Regime Cross, places fair value at $117.41 (+127.0%), while EPV — the most conservative — estimates $36.82 (-28.8%). This +155.8% gap reflects genuine analytical uncertainty about Stewart Information Services Corporation's intrinsic worth.

What Do the Models Say About STC?

6 of 13 models are currently active for STC. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for STC is $42.97 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does STC Rank in Insurance - Property & Casualty?

Among 42 Insurance - Property & Casualty stocks, STC ranks #36 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 indicates above-average quality.

Stewart Information Services Corporation's positioning within the Insurance - Property & Casualty segment means that expense ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including investment income yield — shape both the opportunity set and risk profile.

Is STC a Value Trap?

CirclFi's Value Trap algorithm assigns STC a score of 31/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Stewart Information Services Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Stewart Information Services Corporation scores 7.5 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +155.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every STC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across STC's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Stewart Information Services Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

11 related Insurance - Property & Casualty stocks with 13-model coverage

GBLIGlobal Indemnity Group, LLCQOC 7.6ROOTRoot, Inc.QOC 7.2HMNHorace Mann Educators CorporationQOC 7.7PRCHPorch Group, Inc.QOC 6.9HIPOHippo Holdings Inc.QOC 7.8KMPRKemper CorporationQOC 6.9KINSKingstone Companies, Inc.QOC 9.5THGThe Hanover Insurance Group, Inc.QOC 8.8SIGISelective Insurance Group, Inc.QOC 8.3HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: GBLI · ROOT · HMN · PRCH · HIPO · KMPR · KINS · THG · SIGI · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to STC?

7 companies across all industries closest to STC’s Quality of Company score of 7.5/10.

OLPOne Liberty Properties, Inc.QOC 7.5RHRHQOC 7.5CERTCertara, Inc.QOC 7.5SITCSITE Centers Corp.QOC 7.5HMCHonda Motor Co., Ltd.QOC 7.5NOKNokia OyjQOC 7.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: OLP · RH · CERT · SITC · HMC · NOK · NVDA

What Else Do Investors Ask About Stewart Information Services Corporation’s Valuation?

What is Stewart Information Services Corporation's intrinsic value in 2026?

CirclFi puts Stewart Information Services Corporation (STC)'s intrinsic value at $42.97 — the median of 6 independent model estimates as of 2026-10-07, ranging from $36.82 to $117.41. The Quality of Company score is 7.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is STC overvalued or undervalued right now?

At $51.72, 2 of 6 active models suggest STC may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $42.97, 16.9% below the current price of $51.72 — a consensus view that STC is overvalued. The assessment depends on which methodology best fits Stewart Information Services Corporation's business model in Insurance - Property & Casualty.

What does a Quality of Company score of 7.5 mean for STC?

Stewart Information Services Corporation's QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on STC?

CirclFi analyzes STC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on STC?

Of the 6 models currently active on STC, Regime Cross-Sectional is the most bullish at $117.41 per share, and Earnings Power Value (EPV) is the most bearish at $36.82. CirclFi's published fair value for STC is the median of that range, $42.97, not either extreme. The gap between the two ends equals 188% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is STC a value trap in 2026?

Stewart Information Services Corporation's Value Trap score is 31/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Stewart Information Services Corporation (STC) has a median fair value of $42.97 — 16.9% below the current price of $51.72 — as of 2026-10-07.” Source: circlfi.com/stock/STC/ · Methodology
Primary sources for this STC valuation

Market data for STC as of ; valuations recomputed .

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