Stewart Information Services Corporation (STC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Revenue | 781.31M | 790.6M | 796.92M | 722.18M | 611.98M | 665.93M | 667.94M | 602.23M | 554.32M | 582.17M | 601.71M | 549.15M | 524.3M | 655.91M | 716.4M | 844.07M | 852.92M | 961.67M | 836.73M | 818.81M |
| Revenue Growth % | 27.67% | 18.72% | 19.31% | 19.92% | 10.4% | 14.39% | 11.01% | 9.66% | 5.72% | -11.24% | -16.01% | -34.94% | -38.53% | -31.79% | -14.38% | 3.09% | 23.86% | 30.53% | 40.46% | 58.65% |
| Medical Costs & Claims | 294.58M | 300M | 19.55M | 21.45M | 17.7M | 20.66M | 21.28M | 21.09M | 17.38M | 20.55M | 22.25M | 19.8M | 17.67M | 21.63M | 25.49M | 26.4M | 29.22M | 33.56M | 30.34M | 33.57M |
| Medical Cost Ratio % | 37.7% | 37.95% | 2.45% | 2.97% | 2.89% | 3.1% | 3.19% | 3.5% | 3.14% | 3.53% | 3.7% | 3.61% | 3.37% | 3.3% | 3.56% | 3.13% | 3.43% | 3.49% | 3.63% | 4.1% |
| Gross Profit | 486.72M | 490.6M | 777.37M | 700.73M | 594.28M | 645.27M | 646.66M | 581.14M | 536.93M | 561.61M | 579.46M | 529.35M | 506.63M | 634.28M | 690.91M | 817.67M | 823.7M | 928.12M | 806.38M | 785.24M |
| Gross Margin % | 62.3% | 62.05% | 97.55% | 97.03% | 97.11% | 96.9% | 96.81% | 96.5% | 96.86% | 96.47% | 96.3% | 96.39% | 96.63% | 96.7% | 96.44% | 96.87% | 96.57% | 96.51% | 96.37% | 95.9% |
| Gross Profit Growth % | -18.1% | -23.97% | 20.21% | 20.58% | 10.68% | 14.9% | 11.6% | 9.78% | 5.98% | -11.46% | -16.13% | -35.26% | -38.49% | -31.66% | -14.32% | 4.13% | 24.84% | 34.49% | 42.15% | 58.77% |
| Operating Expenses | 455.47M | 438.9M | 716.2M | 653.95M | 588.38M | 609.91M | 603.87M | 552.13M | 529.79M | 542.84M | 552.4M | 504.18M | 516.79M | 613.53M | 645.4M | 730.9M | 744.08M | 814.05M | 689.94M | 655.78M |
| OpEx / Revenue % | 58.3% | 55.51% | 89.87% | 90.55% | 96.14% | 91.59% | 90.41% | 91.68% | 95.57% | 93.24% | 91.8% | 91.81% | 98.57% | 93.54% | 90.09% | 86.59% | 87.24% | 84.65% | 82.46% | 80.09% |
| Depreciation & Amortization | 16.86M | 15.21M | 15.39M | 15.15M | 15.32M | 15.55M | 15.48M | 15.2M | 15.38M | 15.6M | 16.41M | 15.53M | 14.91M | 15.07M | 14.07M | 14.29M | 13.75M | 13.99M | 9.14M | 6.82M |
| Combined Ratio % | 96% | 93.46% | 92.32% | 93.52% | 99.04% | 94.69% | 93.59% | 95.18% | 98.71% | 96.77% | 95.5% | 95.42% | 101.94% | 96.84% | 93.65% | 89.72% | 90.67% | 88.14% | 86.08% | 84.19% |
| Operating Income | 31.25M | 51.7M | 61.17M | 46.78M | 5.9M | 35.37M | 42.79M | 29M | 7.15M | 18.78M | 27.06M | 25.17M | -10.16M | 20.75M | 45.51M | 86.78M | 79.61M | 114.07M | 116.45M | 129.46M |
| Operating Margin % | 4% | 6.54% | 7.68% | 6.48% | 0.96% | 5.31% | 6.41% | 4.82% | 1.29% | 3.23% | 4.5% | 4.58% | -1.94% | 3.16% | 6.35% | 10.28% | 9.33% | 11.86% | 13.92% | 15.81% |
| Operating Income Growth % | 429.71% | 46.18% | 42.95% | 61.27% | -17.44% | 88.34% | 58.11% | 15.22% | 170.36% | -9.5% | -40.53% | -70.99% | -112.76% | -81.81% | -60.92% | -32.97% | 7.58% | 36% | 52.53% | 164.09% |
| EBITDA | 48.11M | 66.91M | 76.56M | 61.93M | 21.22M | 50.92M | 58.27M | 44.2M | 22.53M | 34.38M | 43.48M | 40.7M | 4.75M | 35.83M | 59.58M | 101.07M | 93.36M | 128.06M | 125.59M | 136.28M |
| EBITDA Margin % | 6.16% | 8.46% | 9.61% | 8.57% | 3.47% | 7.65% | 8.72% | 7.34% | 4.06% | 5.91% | 7.23% | 7.41% | 0.91% | 5.46% | 8.32% | 11.97% | 10.95% | 13.32% | 15.01% | 16.64% |
| Interest Expense | 7.63M | 5.63M | 4.9M | 4.95M | 4.96M | 5.15M | 4.9M | 4.81M | 5.06M | 4.96M | 5.05M | 4.88M | 4.85M | 4.93M | 4.55M | 4.51M | 4.41M | 3.07M | 712K | 682K |
| Non-Operating Income | 0 | 0 | -4.9M | -4.95M | -4.96M | -5.15M | -4.9M | -4.81M | -5.06M | -4.96M | -5.05M | -4.88M | -4.85M | -4.93M | -4.55M | -4.51M | -4.41M | -3.07M | -712K | -682K |
| Pretax Income | 23.63M | 51.7M | 61.17M | 46.78M | 5.9M | 35.37M | 42.79M | 29M | 7.15M | 18.78M | 27.06M | 25.17M | -10.16M | 20.75M | 45.51M | 86.78M | 79.61M | 114.07M | 116.45M | 129.46M |
| Pretax Margin % | 3.02% | 6.54% | 7.68% | 6.48% | 0.96% | 5.31% | 6.41% | 4.82% | 1.29% | 3.23% | 4.5% | 4.58% | -1.94% | 3.16% | 6.35% | 10.28% | 9.33% | 11.86% | 13.92% | 15.81% |
| Income Tax | 4.56M | 10.8M | 12.97M | 11.14M | 484K | 8.16M | 9.12M | 7.94M | 936K | 5.67M | 9.13M | 5.39M | -4.94M | 2.49M | 10.78M | 19.89M | 17.7M | 23.44M | 23.05M | 30.62M |
| Effective Tax Rate % | 19.28% | 20.89% | 21.21% | 23.82% | 8.2% | 23.06% | 21.32% | 27.37% | 13.1% | 30.22% | 33.75% | 21.42% | 48.62% | 11.99% | 23.69% | 22.92% | 22.23% | 20.55% | 19.8% | 23.65% |
| Net Income | 16.96M | 36.3M | 44.26M | 31.92M | 3.08M | 22.74M | 30.1M | 17.34M | 3.13M | 8.81M | 14M | 15.81M | -8.19M | 13.31M | 29.43M | 61.66M | 57.9M | 85.5M | 88.66M | 94.82M |
| Net Margin % | 2.17% | 4.59% | 5.55% | 4.42% | 0.5% | 3.41% | 4.51% | 2.88% | 0.56% | 1.51% | 2.33% | 2.88% | -1.56% | 2.03% | 4.11% | 7.31% | 6.79% | 8.89% | 10.6% | 11.58% |
| Net Income Growth % | 451.32% | 59.62% | 47.06% | 84.06% | -1.69% | 157.98% | 114.99% | 9.66% | 138.22% | -33.79% | -52.44% | -74.35% | -114.15% | -84.43% | -66.8% | -34.97% | 6.75% | 43.28% | 58.58% | 177.69% |
| EPS (Diluted) | 0.55 | 1.25 | 1.55 | 1.13 | 0.11 | 0.80 | 1.07 | 0.62 | 0.11 | 0.32 | 0.51 | 0.58 | -0.30 | 0.67 | 1.08 | 2.26 | 2.11 | 3.12 | 3.26 | 3.50 |
| EPS Growth % | 400% | 56.25% | 44.86% | 82.26% | 0% | 150% | 109.8% | 6.9% | 136.67% | -52.24% | -52.78% | -74.34% | -114.22% | -78.53% | -66.87% | -35.43% | 4.98% | 40.54% | 47.51% | 143.06% |
| EPS (Basic) | 0.55 | 1.25 | 1.58 | 1.14 | 0.11 | 0.82 | 1.09 | 0.63 | 0.11 | 0.32 | 0.51 | 0.58 | -0.30 | 0.67 | 1.09 | 2.28 | 2.15 | 3.18 | 3.30 | 3.54 |
| Diluted Shares Outstanding | 30.81M | 29.04M | 28.49M | 28.34M | 28.34M | 28.28M | 28.2M | 28.01M | 28.03M | 27.75M | 27.65M | 27.44M | 27.25M | 27.28M | 27.37M | 27.29M | 27.44M | 27.41M | 27.24M | 27.12M |