Stewart Information Services Corporation Financial Ratios — STC

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	0.78	30.54	14.22	6.08	-1.26	11.38	9.62	9.02	13.95	23.75	37.63	15.3	2.74	6.62	10.07
Return on Assets (%)	0.2	8.92	4.82	2.19	-0.46	4.17	3.54	3.42	5.3	8.67	13.49	5.85	1.12	2.7	3.86
Return on Capital (%)	-0.36	- -	11.01	4.3	-2.66	7.49	6.43	6.1	9.55	16.12	23.95	9.33	1.76	4.37	6.42
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	1.1	4.68	5.24	2.77	0.48	4.39	3.84	3.8	6.03	9.55	13.13	7.58	2.7	4.59	5.67
Profit Margin (%)	0.14	5.72	3.27	1.59	-0.31	2.76	2.49	2.49	4.05	6.77	9.78	5.29	1.35	2.94	3.95
Net Income to Common Margin (%)	0.14	5.72	3.27	1.59	-0.31	2.76	2.49	2.49	4.05	6.77	9.78	5.29	1.35	2.94	3.95
Effective Tax Rate (%)	51.84	- -	28.18	26.06	58.29	22.27	19.88	18.62	22.82	22.35	21.66	21.86	25.08	22.88	21.39
Dvd Payout Ratio (%)	6.11	1.42	2.63	4.98	126.03	34.22	39.28	40.08	27.81	16.39	10.27	22.19	83.16	52.34	40.39
Sustainable Growth Rate (%)	0.73	30.11	13.85	5.77	0.33	7.49	5.84	5.4	10.07	19.86	33.76	11.91	0.46	3.15	6.01

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	88	71	33	71	102	107	109	108	224	221	633	595	581	565	769
ST Debt	12	- -	- -	- -	- -	- -	99	99	99	99	- -	- -	- -	- -	200
LT Debt	76	71	33	71	102	107	10	9	126	122	633	595	581	565	569
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	-3.36	-3.2	-5.85	-6.04	-9.38	-5.93	-4.74	-2.75	-3.93	-5.71	-7.91	-2.61	-1.91	-2.03	-3.59
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	5	5	3	3	2	3	3	4	4	3	5	18	20	20	20
Common Equity/Total Assets	26.27	31.85	35.83	36.2	36.26	36.94	36.69	39.21	36.94	36.18	35.62	40.88	40.64	40.94	36.15
Long-Term Debt/Equity (%)	16.45	12.26	4.97	10.16	16.07	16.46	1.54	1.35	16.66	12.05	48.88	43.42	42.14	40.02	34.46
Long-Term Debt/Capital (%)	18.83	14.41	6.39	12.22	17.37	17.51	1.65	1.4	15.33	12.92	38.41	34.54	34.44	33.39	29.11
Long-Term Debt/Total Assets (%)	6.59	5.51	2.48	5.11	7.75	7.96	0.74	0.67	7.89	6.17	22.5	21.73	21.49	20.68	17.49
Total Debt/Equity (%)	18.98	12.26	4.97	10.16	16.07	16.46	16.1	15.89	29.78	21.82	48.88	43.42	42.14	40.02	46.58
Total Debt/Capital (%)	21.72	14.41	6.39	12.22	17.37	17.51	17.3	16.55	27.4	23.4	38.41	34.54	34.44	33.39	39.34
Total Debt/Total Assets (%)	7.61	5.51	2.48	5.11	7.75	7.96	7.78	7.87	14.09	11.16	22.5	21.73	21.49	20.68	23.63
Net Debt to Equity	-11.41	-23.67	-24.33	-18.47	-12.03	-12.17	-6.01	-12.36	-29.18	-32.69	-0.26	14.5	15.37	16.27	19.68
Net Debt/Capital (%)	-20.02	-48.13	-50.17	-33.87	-18.68	-18.61	-8.46	-18.24	-45.01	-64.71	-0.3	13.48	14.58	15.56	19.9
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-18	-17	-17	-20	-20	-18	-16	-11	-17	-15	-40	-48	-38	-40	-73
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	26.27	31.85	35.83	36.2	36.26	36.94	36.69	39.21	36.94	36.18	35.62	40.88	40.64	40.94	36.15
Long-Term Debt/Equity (%)	16.45	12.26	4.97	10.16	16.07	16.46	1.54	1.35	16.66	12.05	48.88	43.42	42.14	40.02	34.46
Long-Term Debt/Capital (%)	18.83	14.41	6.39	12.22	17.37	17.51	1.65	1.4	15.33	12.92	38.41	34.54	34.44	33.39	29.11
Long-Term Debt/Total Assets (%)	6.59	5.51	2.48	5.11	7.75	7.96	0.74	0.67	7.89	6.17	22.5	21.73	21.49	20.68	17.49
Total Debt/Equity (%)	18.98	12.26	4.97	10.16	16.07	16.46	16.1	15.89	29.78	21.82	48.88	43.42	42.14	40.02	46.58
Total Debt/Capital (%)	21.72	14.41	6.39	12.22	17.37	17.51	17.3	16.55	27.4	23.4	38.41	34.54	34.44	33.39	39.34
Total Debt/Total Assets (%)	7.61	5.51	2.48	5.11	7.75	7.96	7.78	7.87	14.09	11.16	22.5	21.73	21.49	20.68	23.63
CFO/Total Liabilities	3.38	16.96	13.15	9.25	11.76	17.75	14.86	12.15	19.83	28.55	25.7	14.03	6.27	10.28	12.84
CFO/CapEx	1.32	7.19	5.04	3.28	4.1	6.77	6.59	7.89	9.74	18.4	9.81	4	2.2	3.35	2.8
Altman's Z-Score	2.37	2.74	3.03	3.05	3.22	3.33	3.1	3.21	2.73	2.96	3.66	3.65	3.34	3.58	3.53

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	35.25	41.17	26.33	18.29	21.47	25.24	25.67	25.13	26.76	28.09	31.32	26.95	20.37	20.86	20.92
Days Sales Outstanding	10.35	8.87	13.86	19.96	17	14.46	14.22	14.52	13.64	12.99	11.65	13.54	17.92	17.5	17.45
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	223	504	726	889	871	1,080	1,003	982	967	1,293	2,144	1,159	1,608	1,874	2,123
- Cash & Cash Equivalents	141	209	194	201	179	186	150	192	331	433	486	248	233	216	322
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	13	12	8	7	8	8	7	6	6	7	13	8	7	9	9
+ Total Debt	88	71	33	71	102	107	109	108	224	221	633	595	581	565	769
Enterprise Value	150	342	534	742	763	986	945	881	844	1,067	2,286	1,490	1,924	2,190	2,532
Total Capital	405	494	516	583	589	610	632	653	819	944	1,648	1,722	1,687	1,691	1,954
Total Debt/Capital (%)	21.72	14.41	6.39	12.22	17.37	17.51	17.3	16.55	27.4	23.4	38.41	34.54	34.44	33.39	39.34
Total Debt / EV	0.59	0.21	0.06	0.1	0.13	0.11	0.12	0.12	0.27	0.21	0.28	0.4	0.3	0.26	0.3
EV/Sales	0.09	0.18	0.28	0.4	0.38	0.49	0.48	0.46	0.43	0.47	0.69	0.49	0.85	0.88	0.87
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.79	2.68	5.98	11.18	9.37	7.87	8.52	10.09	4.97	3.84	5.8	7.22	19.66	14.51	11.42
EV/Free Cash Flow to Firm	3.44	2.37	5.01	8.64	7.55	6.87	7.42	8.99	4.52	3.64	5.27	5.86	14.18	11.44	8.58
Diluted Market Cap	223	634	798	915	879	1,082	1,003	982	969	1,293	2,166	1,169	1,617	1,898	2,123
Diluted Enterprise Value	183	508	645	793	810	1,010	969	904	869	1,088	2,326	1,523	1,972	2,256	2,580
EV per Share	7.78	17.61	23.74	30.91	32.68	42.09	39.83	37.16	35.59	39.93	85.01	54.91	70.28	78.88	83.77
TTM Sales	1,635	1,910	1,928	1,871	2,034	2,007	1,956	1,908	1,940	2,288	3,306	3,069	2,257	2,490	2,922
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	26	127	89	66	81	125	111	87	170	278	394	206	98	151	222
TTM Free Cash Flow to Firm	44	144	107	86	101	143	127	98	187	293	434	254	136	191	295

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.42	4.62	7.64	10.96	8.77	7.66	8.06	10.35	5.28	4.44	5.04	4.87	13.38	10.78	7.61
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	150	342	534	742	763	986	945	881	844	1,067	2,286	1,490	1,924	2,190	2,532
Low Price	8.12	11.54	22.74	27.02	35.12	30.34	34.48	38.72	32.61	20.26	45.58	35.96	36.01	56.16	56.39
EV/Sales	0.09	0.18	0.28	0.4	0.38	0.49	0.48	0.46	0.43	0.47	0.69	0.49	0.85	0.88	0.87
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	94.96	4.62	11.52	29.89	- -	19.46	20.62	20.66	12.3	8.34	6.63	7.14	52.83	25.56	18.38
Price/Earnings Average	84.66	3.11	10.25	26.47	-147.03	16.96	20.42	21.55	12.33	6.6	5.05	9.02	40.19	25.17	17.85
Price/Earnings High	104.74	5.04	12.28	30.55	-165.58	20.53	23.41	23.64	13.57	8.98	6.74	13.54	53.87	29.71	20.56
Price/Earnings Low	66.76	2.05	8.12	21.8	-132.13	12.81	16.81	19.33	9.83	3.5	3.79	6.01	32.38	21.27	14.75
Price/Book Value	0.73	1.23	1.53	1.76	1.82	2.18	1.95	1.82	1.64	1.81	2.14	1.04	1.46	1.68	1.81
Price/Book Value Average	0.65	0.82	1.36	1.56	1.9	1.9	1.93	1.9	1.65	1.43	1.63	1.31	1.11	1.65	1.75
Price/Book Value High	0.81	1.34	1.63	1.8	2.14	2.3	2.21	2.09	1.81	1.94	2.17	1.96	1.49	1.95	2.02
Price/Book Value Low	0.52	0.54	1.08	1.29	1.71	1.43	1.59	1.71	1.31	0.76	1.22	0.87	0.9	1.4	1.45
Price/Tangible Book Value	0.93	1.43	1.74	2.11	2.17	2.57	2.29	2.33	1.93	2.38	15.31	11.81	14.2	12.18	39.84
Price/Tangible Book Value Average	0.83	0.96	1.54	1.87	2.27	2.24	2.27	2.43	1.94	1.88	11.64	14.9	10.8	11.99	38.69
Price/Tangible Book Value High	1.02	1.56	1.85	2.15	2.56	2.71	2.6	2.67	2.13	2.56	15.55	22.38	14.48	14.15	44.57
Price/Tangible Book Value Low	0.65	0.64	1.22	1.54	2.04	1.69	1.87	2.18	1.55	1	8.75	9.94	8.7	10.13	31.97
Price/Sales	0.14	0.26	0.38	0.48	0.43	0.54	0.51	0.51	0.5	0.56	0.65	0.38	0.71	0.75	0.73
Price/Sales Average	0.12	0.18	0.33	0.42	0.45	0.47	0.51	0.54	0.5	0.45	0.49	0.48	0.54	0.74	0.71
Price/Sales High	0.15	0.29	0.4	0.49	0.51	0.57	0.58	0.59	0.55	0.61	0.66	0.72	0.73	0.87	0.81
Price/Sales Low	0.1	0.12	0.27	0.35	0.4	0.35	0.42	0.48	0.4	0.24	0.37	0.32	0.44	0.63	0.58
Price/Cash Flow	9.52	4.19	8.33	13.9	10.82	8.78	9.28	11.67	5.81	4.69	5.49	6.04	19.36	13.82	10.32
Price/Cash Flow Average	8.49	2.81	7.41	12.31	11.33	7.65	9.19	12.17	5.83	3.71	4.18	7.63	14.73	13.61	10.03
Price/Cash Flow High	10.51	4.56	8.88	14.21	12.76	9.26	10.54	13.35	6.41	5.05	5.58	11.45	19.75	16.06	11.55
Price/Cash Flow Low	6.7	1.86	5.87	10.14	10.18	5.78	7.57	10.91	4.65	1.96	3.14	5.09	11.87	11.5	8.29
Price/Free Cash Flow Average	4.84	3.1	6.8	9.71	9.19	6.68	7.98	10.8	5.29	3.52	3.83	6.15	10.18	10.62	7.39
Price/Free Cash Flow High	5.98	5.04	8.14	11.2	10.34	8.08	9.15	11.85	5.83	4.79	5.12	9.24	13.64	12.53	8.51
Price/Free Cash Flow Low	3.81	2.05	5.39	7.99	8.25	5.05	6.57	9.68	4.22	1.86	2.88	4.1	8.2	8.97	6.11
EV/Sales Average	0.1	0.11	0.26	0.36	0.41	0.43	0.49	0.5	0.45	0.36	0.54	0.59	0.7	0.88	0.86
EV/Sales High	0.13	0.22	0.32	0.42	0.47	0.53	0.57	0.55	0.5	0.52	0.71	0.83	0.88	1.02	0.97
EV/Sales Low	0.07	0.05	0.19	0.28	0.37	0.32	0.4	0.44	0.35	0.15	0.42	0.43	0.59	0.77	0.74
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.55	26	32.27	37.04	37.33	46.08	42.3	41.4	40.79	48.36	79.73	42.73	58.75	67.49	70.26
High Price	12.74	28.35	34.39	37.87	44.01	48.6	48.03	47.37	44.99	52.07	80.99	81	59.91	78.44	78.61
Enterprise Value Average	159	213	492	666	843	870	959	946	870	818	1,791	1,818	1,578	2,203	2,519
Enterprise Value High	206	424	620	787	958	1,067	1,105	1,046	967	1,187	2,338	2,552	1,994	2,535	2,832
Enterprise Value Low	117	98	358	527	751	640	784	841	673	337	1,386	1,330	1,340	1,917	2,161

Shares Outstanding	19	19	23	24	23	23	24	24	24	27	27	27	27	28	30
Diluted Weighted Avg Shares	19	24	25	25	24	23	24	24	24	27	27	27	28	28	30
Basic Weighted Avg Shares	19	19	23	24	23	23	24	24	24	27	27	27	27	28	30
Revenue per Share	84.69	98.46	85.68	77.93	87.14	85.64	82.45	80.43	81.82	85.62	122.92	113.13	82.47	89.7	96.67
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.12	5.63	2.8	1.24	-0.27	2.37	2.05	2	3.32	5.8	12.02	5.98	1.11	2.64	3.82
Basic EPS from Cont Ops	0.45	6.13	3.23	1.6	0.17	2.92	2.54	2.49	3.81	6.35	12.64	6.7	1.67	3.18	4.31
Diluted EPS, GAAP	0.12	4.48	2.55	1.2	-0.26	2.36	2.05	2	3.31	5.8	11.9	5.94	1.11	2.61	3.82
Diluted EPS from Cont Ops	0.45	4.88	2.93	1.55	0.17	2.92	2.54	2.49	3.8	6.35	12.51	6.65	1.66	3.13	4.31
Dividend per Share	0.05	0.09	0.1	0.1	0.77	1.19	1.19	1.19	1.2	1.13	1.36	1.65	1.85	1.94	1.94
Cash Flow per Share	1.21	6.21	3.87	2.67	3.45	5.25	4.56	3.55	7.02	10.32	14.51	7.07	3.03	4.88	6.81
Free Cash Flow per Basic Share	0.3	5.35	3.11	1.85	2.61	4.47	3.86	3.1	6.3	9.76	13.03	5.3	1.65	3.43	4.38
Cash & Equivalents per Share	9.01	12.66	10.34	9.4	9.37	8.88	7.36	9.07	14.94	16.96	18.72	10.05	9.95	9.27	12.23
Book Value per Share	15.74	21.19	21.12	21	20.53	21.15	21.74	22.7	24.82	26.78	37.26	41.26	40.14	40.25	38.91
Tangible Book Value per Share	12.45	18.16	18.59	17.59	17.19	17.96	18.45	17.76	21.1	20.34	5.21	3.62	4.14	5.54	1.76

Stewart Information Services Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)