Stewart Information Services Corporation
Find Ratings ReportsSTEWART INFORMATION SERVICES's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its subsector.
During the same period, stockholders' equity ("net worth") has remained unchanged from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 582.17 | 655.91 |
EBITDA ($mil) | 45.74 | 57.46 |
EBIT ($mil) | 30.14 | 42.38 |
Net Income ($mil) | 8.82 | 13.31 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 372.24 | 350.93 |
Total Assets ($mil) | 2702.86 | 2737.88 |
Total Debt ($mil) | 580.94 | 595.01 |
Equity ($mil) | 1371.41 | 1362.15 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 7.86 | 8.76 |
EBITDA Margin | 7.85 | 8.76 |
Operating Margin | 5.18 | 6.46 |
Sales Turnover | 0.84 | 1.12 |
Return on Assets | 1.12 | 5.92 |
Return on Equity | 2.22 | 11.92 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.3 | 0.3 |
Interest Expense | 4.96 | 4.93 |
Interest Coverage | 6.08 | 8.59 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 27.37 | 27.13 |
Div / share | 0.48 | 0.45 |
EPS | 0.32 | 0.49 |
Book value / share | 50.11 | 50.21 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 213274.0 | 202223.0 |
HOLD. STEWART INFORMATION SERVICES's P/E ratio indicates a significant premium compared to an average of 21.84 for the Insurance Carriers and Related Activities subsector and a significant premium compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.19 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 3.52. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount.
Price/Earnings |
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Price/Cash Flow |
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STC 53.91 | Peers 21.84 | STC 19.72 | Peers 13.60 | |||||||||||||||||||||
Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations. STC is trading at a significant premium to its peers. |
Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. STC is trading at a significant premium to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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STC 10.80 | Peers 14.42 | STC 0.24 | Peers 0.87 | |||||||||||||||||||||
Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations. STC is trading at a premium to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. STC trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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STC 1.19 | Peers 3.52 | STC -81.32 | Peers 95.58 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. STC is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, STC is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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STC 0.73 | Peers 1.96 | STC -26.52 | Peers 37.25 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. STC is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. STC significantly trails its peers on the basis of sales growth. |
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