---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-035270"
form_type: "8-K"
ticker: "STC"
cik: "0000094344"
company_name: "STEWART INFORMATION SERVICES CORP"
filed_at: "2022-10-26T23:59:59+00:00"
generated_at: "2026-06-23T01:07:10.045911+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Stewart Q3 revenue $716.4M, down 14% YoY; EPS $1.08 vs $3.26 prior year

## Summary
- Total revenues $716.4M ($722.8M adj), down 14% from $836.7M; title segment operating revenues fell 16%.
- Net income $29.4M ($37.5M adj) vs $88.7M; diluted EPS $1.08 ($1.37 adj) vs $3.26 ($3.17 adj) prior year.
- Title segment pretax income dropped 56% to $51.8M; pretax margin fell to 8.0% from 15.4%.
- CEO cites mortgage rate headwinds; acquired FNC Title Services (reverse mortgage title) to invest opportunistically.
- Nine-month adjusted net income $163.6M ($5.98 per diluted share) vs $224.0M ($8.27) prior year.

## SEC filing metadata
- accession: 0001564590-22-035270
- form_type: 8-K
- ticker: STC
- cik: 0000094344
- company_name: STEWART INFORMATION SERVICES CORP
- filed_at: 2022-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- EDGAR index: https://www.sec.gov/Archives/edgar/data/94344/000156459022035270/0001564590-22-035270-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/94344/000156459022035270/stc-8k_20221026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-035270
- JSON: https://secwatch.observer/filing/0001564590-22-035270.json
- Plain text: https://secwatch.observer/filing/0001564590-22-035270.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.