Stewart

What Stewart does

Stewart Information Services Corporation (NYSE: STC), operating under the Stewart and Stewart Title brands, is a publicly traded U.S. title insurance and real estate services company headquartered in San Antonio, Texas, with firmographic founding date of 1893 and 5,001-10,000 employees. The company issues title insurance policies and provides closing, escrow, and ancillary real estate services through a nationwide network of owned title and closing offices that pair local market expertise with national reach. Its customer base spans eight named segments: commercial agents and brokers, residential real estate agents and brokers, home buyers and sellers, real estate lenders, home builders and developers, relocation professionals, international clients, and independent title agents.

The core offering is title insurance and closing services, beneath which Stewart has built a portfolio of segment-specific sub-products — Commercial Title Services, Lender Title Settlement Services, Real Estate Closing Title Services, Homebuilder Real Estate Closing Services, Relocation Title Insurance Services, International Title Services, and Title Agency Services. Supporting these offerings is the Stewart Rate Calculator, an online self-service suite that produces Buyer Close Sheets, Seller Net Sheets, and Title & Escrow Fee Estimates to deliver transparent pre-transaction pricing to agents and consumers. The proprietary technology stack is positioned around digital pricing tools layered over the branch network; the input does not disclose APIs, SDKs, AI/ML modalities, or named ML pipelines.

Revenue is generated primarily through transaction-based fees: title insurance premiums and closing/escrow service fees, supplemented by real estate information and ancillary services revenue. Pricing is per-transaction and shaped by state-regulated rate schedules rather than publicly listed tiers. Go-to-market combines a direct field/enterprise branch channel with a self-service digital channel, and the company is led by CEO Fred Eppinger, who most recently (Q4 2025 earnings release dated February 4, 2026) reported revenue of $790.6 million and adjusted EPS of $1.65, both above consensus.

Name

Stewart

Legal name

Stewart Information Services Corporation

Website

https://stewarttitle.com

Company type

Public

Founded year

1893

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Stewart Information Services Corporation is a publicly traded U.S. title insurance and real estate services company that issues title insurance policies and provides closing, escrow, and ancillary services through a nationwide branch network, serving agents, brokers, lenders, builders, and consumers.

Ownership category

akta.pro rank

Product category

Title Insurance Services

NAICS

Direct Title Insurance Carriers (524127), Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance & Underwriting (BPAJAOAA)

akta.pro secondary industries

Closing & Settlement Services (Settlement Agents) (BPAJAOAE), Title Search & Examination (BPAJAOAB), Title Insurance (FSAJACAL)

Keywords

• Title insurance services
• Real estate closing
• Escrow services
• Settlement services
• Title search

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Title Insurance Premiums: Revenue from issuance of title insurance policies covering real estate transactions, both residential and commercial, across the nationwide network of title offices.
2. Closing and Escrow Services Fees: Transaction-based fees earned from escrow, closing, and settlement services provided to home buyers, sellers, lenders, and real estate professionals.
3. Real Estate Information and Ancillary Services: Revenue from ancillary real estate services supporting real estate agents, brokers, lenders, builders, developers, and relocation professionals.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Stewart issues title insurance policies and provides closing, escrow, and settlement services for residential and commercial real estate transactions through a nationwide network of title and closing offices. It complements these services with ancillary real estate information offerings and digital cost-estimation tools (the Stewart Rate Calculator suite) that let buyers, sellers, and agents generate Buyer Close Sheets, Seller Net Sheets, and Title & Escrow Fee Estimates.

Product overview

Stewart's offering is structured as a single overarching title insurance and real estate services platform with specialized sub-products targeted at distinct customer segments. The core offering, Title Insurance and Closing Services, anchors a portfolio of segmented solutions — including Commercial Title Services, Lender Title Settlement Services, Real Estate Closing Title Services, Homebuilder Real Estate Closing Services, Relocation Title Insurance Services, International Title Services, and Title Agency Services — each tailored to a specific audience such as commercial agents and brokers, real estate agents and brokers, home buyers and sellers, lenders, home builders and developers, relocation professionals, international clients, and title agents. The Stewart Rate Calculator serves as a standalone tool supporting these offerings by allowing users to estimate title insurance rates.

Differentiator

Problem solved

Functional benefit

Brands

• Stewart Title: Title insurance and closing services brand with a nationwide network of title and closing offices.

Products and services

• Title Insurance and Closing Services Stewart's foundational offering providing title insurance policies and closing services for real estate transactions, forming the basis of the company's full suite of real estate solutions. Targeted at real estate agents, brokers, lenders, builders, and consumers engaged in property transactions.
• Commercial Title Services Specialized title services tailored for commercial real estate transactions, addressing the complex needs of commercial agents and brokers engaged in commercial property deals.
• Lender Title Settlement Services Title and settlement services designed for real estate lenders, supporting loan origination and closing processes with lender's title policies, lien clearance, and accurate closing documentation.
• Real Estate Closing Title Services Title services aimed at residential real estate agents and brokers, facilitating smooth closings for home buyers and sellers.
• Homebuilder Real Estate Closing Services Title and closing services specifically designed for home builders and developers, supporting new construction transactions, subdivision development, and builder-to-buyer closings.
• Relocation Title Insurance Services Title insurance services tailored for relocation professionals assisting clients with moving-related real estate transactions requiring coordinated, multi-jurisdiction title and closing support.
• International Title Services Title services extended to international clients engaged in U.S. real estate transactions, providing cross-border title insurance and closing expertise.
• Title Agency Services Services and support provided to independent title agents operating as agencies within the Stewart network, including underwriter support, policy issuance infrastructure, and resources to help title agencies grow.
• Stewart Rate Calculator An online calculator tool featuring the Buyer Close Sheet, Seller Net Sheet, and Title & Escrow Fee Estimate, enabling users to estimate title insurance rates and related closing costs from a Stewart Title office or Stewart Trusted Provider.

Quantifiable outcome

• Q4 revenue of $790.6 million
• +2 more outcomes

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• First American Financial Corporation: First American is one of the top U.S. title insurers, directly competing with Stewart in title insurance, escrow, and closing services for residential and commercial real estate transactions.
• Fidelity National Financial: FNF is the largest U.S. title insurance underwriter and a direct competitor to Stewart across residential, commercial, and escrow services. It shares the same direct underwriter model and customer base of agents, lenders, and consumers.
• Investors Title Company: Investors Title is a publicly traded U.S. title insurance underwriter with comparable offerings in title insurance and ancillary services. It directly competes with Stewart in select geographies and customer segments.
• North American Title Insurance Company: NATIC is a U.S. title insurance underwriter serving agents and direct customers, providing overlapping title and escrow services compared to Stewart's offerings.
• AmTrust Title: AmTrust Title operates as a title insurance underwriter focused on independent agent distribution. It competes with Stewart for premium volume from independent title agents and direct operations.
• WFG National Title Insurance Company: WFG is a privately held national title underwriter offering title insurance and closing services across the U.S. It competes head-to-head with Stewart for lender, agent, and direct consumer business.
• Old Republic International: Old Republic operates a significant title insurance business alongside its P&C and mortgage insurance segments. It is a direct competitor in U.S. title insurance underwriting and related services.

Emerging players

• Zillow Group: Zillow operates a leading online real estate marketplace and has expanded into adjacent services. It is an emerging competitor/ecosystem player that increasingly influences how consumers access title and closing services.

Others

• ICE Mortgage Technology (formerly Black Knight): ICE Mortgage Technology provides software, data, and closing infrastructure to title agents and underwriters. It is an ecosystem participant whose platforms integrate with title insurers including Stewart.

Broad incumbents

• Anywhere Real Estate: Anyway operates a large residential brokerage franchise network and ancillary services. While not a title underwriter, it competes in adjacent real estate services and influences title insurance purchasing decisions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/stewarttitleco
• Facebookfacebook.com/155496072319
• LinkedInlinkedin.com/company/stewarttitle

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A21 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stewart