Stewart Information Services (STC) Cash Flow: Operating & Free Cash Flow

Stewart Information Services (STC) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Stewart Information Services generated $205.69M of operating cash flow and spent $73.41M on capital expenditures. That left free cash flow of $132.28M, up 39.0% from $95.14M a year earlier, or 4.5% of revenue. It returned $62.37M to shareholders through $58.48M in dividends and $3.89M in share buybacks.

Stewart Information Services Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Stewart Information Services Corporation (STC) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	130.16	88.16	30.44	162.31	339.98	169.67	90.27	59.02	60.15
Depreciation & Amortization	61.07	61.61	62.45	57.18	36.39	19.22	22.53	24.93	25.88
Deferred Income Tax	0.00	0.00	0.00	0.00	0.00	0.00	11.86	256.00	4.93
Stock Based Compensation	17.10	13.56	10.92	12.28	11.97	5.75	2.10	4.81	5.30
Change in Working Capital	-2.93	-11.77	-15.38	-74.55	-34.35	41.01	44.09	-2.00	-1.16
Change in Accounts Receivable	-14.84	-12.05	-5.36	10.15	-18.82	-6.60	-2.92	5.28	-7.67
Change in Inventory	0.00	0.00	0.00	0.00	22.32	0.00	0.00	0.00	0.00
Change in Accounts Payable	23.77	13.33	-6.43	0.00	-22.32	0.00	0.00	0.00	0.00
Change in Other Working Capital	3.64	-4.20	-21.40	-84.71	-27.35	47.61	47.01	-2.00	-1.16
Other Operating Activities	8.56	-11.47	-21.40	34.94	49.03	40.15	-4.48	-258.59	12.97
Net Cash from Operating Activities	205.69	135.61	83.04	191.86	390.29	275.81	166.36	84.18	108.07
Investing Activities
Capital Expenditures	-73.41	-40.47	-37.79	-47.95	-39.80	-14.99	-17.08	-10.68	-16.40
Acquisitions	-370.01	-14.38	-25.10	-142.86	-599.98	-199.54	1.35	-18.74	-17.36
Purchases of Investments	-125.00	-157.83	-93.31	0.00	-141.57	-118.30	-78.13	-43.06	-181.96
Sales/Maturities of Investments	214.70	130.59	132.21	0.00	143.82	99.86	99.32	79.47	110.85
Other Investing Activities	-14.85	-5.17	-5.98	-109.86	-18.43	1.60	1.57	2.39	0.96
Net Cash from Investing Activities	-368.58	-87.26	-29.97	-300.67	-645.28	-231.37	7.04	9.38	-103.90
Financing Activities
Debt Repayment	-1.22	-3.38	-5.78	-36.99	387.54	-9.13	2.60	-5.59	0.03
Common Stock Issued	148.31	10.55	0.00	0.00	2.72	108.96	0.00	0.00	0.00
Common Stock Repurchased	-3.89	-3.84	-1.78	-3.26	-2.25	-1.05	-0.53	-1.18	-0.73
Dividends Paid	-58.49	-53.92	-50.52	-44.67	-36.64	-30.23	-28.35	-28.26	-28.14
Other Financing Activities	-20.68	-13.76	-19.53	-38.30	-40.99	-14.26	-11.48	-12.73	-14.76
Net Cash from Financing Activities	265.21	-60.96	-69.10	-123.22	310.37	54.30	-37.76	-47.76	-43.60
Summary
Effect of Forex Changes on Cash	3.16	-4.46	1.02	-5.53	-2.15	3.34	2.91	-3.81	3.73
Net Change in Cash	105.48	-17.07	-15.00	-237.55	53.24	102.07	138.54	41.99	-35.69
Cash at Beginning of Period	216.30	233.37	248.37	485.92	432.68	330.61	192.07	150.08	185.77
Cash at End of Period	321.78	216.30	233.37	248.37	485.92	432.68	330.61	192.07	150.08
Free Cash Flow	132.28	95.14	45.25	143.91	350.49	260.81	149.28	73.50	91.67
Supplemental Disclosures
Interest Paid	-	17.46	17.17	17.40	2.83	-	-	-	-
Income Taxes Paid	-	25.77	5.35	60.09	106.10	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Stewart Information Services Cash Flow

What is Stewart Information Services's free cash flow?

Stewart Information Services generated free cash flow of $132.28M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $205.69M minus $73.41M of capital expenditures. That was up 39.0% from $95.14M a year earlier. Free cash flow equaled 4.5% of revenue.

How much does Stewart Information Services spend on capital expenditures?

Stewart Information Services spent $73.41M on capital expenditures in fiscal 2025, compared with $40.47M a year earlier. That equals 35.7% of operating cash flow.

Does Stewart Information Services pay dividends or buy back shares?

Yes. In fiscal 2025 Stewart Information Services returned $58.48M in dividends and $3.89M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition