Stewart Information Services Co — Earnings Quality Grade F
STC · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 19 days, change +1 days YoY
AR growth 24.5% vs revenue growth 17.3%
Revenue 17.3%, CFFO 51.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 81.4% is >2x revenue growth 17.3%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.78. Profits backed by cash
FCF $0.1B, FCF/NI = 1.14
Accruals ratio = -2.8%. Low accruals
Cash $0.4B covers only 48% of debt $0.8B
Balance Sheet Health
Goodwill+Intangibles $1.6B = 97% of equity. Over 50%
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 27% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Stewart Information Services Co is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25