Stewart Information Services Corporation (STC)

STC Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	73.26	73.31	30.44	162.31	323.22	154.91
Depreciation & Amortization	61.55	61.61	62.45	57.18	36.39	19.22
Gain (Loss) on Sale of Investments	-10.26	-13.73	0.52	3.64	-20.7	5.94
Stock-Based Compensation	14.38	13.56	10.92	12.28	11.97	5.75
Change in Accounts Receivable	-14.61	-12.05	-5.36	10.15	-18.82	-6.6
Change in Deferred Taxes	4.47	4.49	-6.77	0.29	12.72	-9.75
Change in Other Net Operating Assets	-15.24	-4.2	-3.25	-85	-28.25	57.36
Other Operating Activities	15.38	12.17	-7.26	33.44	80.23	51.84
Operating Cash Flow	135.27	135.61	83.04	191.86	390.29	275.81
Operating Cash Flow Growth	29.43%	63.30%	-56.72%	-50.84%	41.51%	65.79%
Capital Expenditures	-42.56	-40.47	-37.79	-47.95	-39.8	-14.99
Sale of Property, Plant & Equipment	1.53	-	-	-	10.68	0.23
Cash Acquisitions	-21.81	-14.38	-25.1	-142.86	-599.98	-199.54
Investment in Securities	4.09	-27.24	38.9	-111.02	2.25	-18.44
Other Investing Activities	-1.14	-5.17	-5.98	1.16	-18.43	1.37
Investing Cash Flow	-59.89	-87.26	-29.97	-300.67	-645.28	-231.37
Long-Term Debt Issued	-	3.39	3.54	39.5	1,197	16.46
Total Debt Repaid	-1.12	-3.38	-5.78	-76.49	-809.82	-25.58
Net Debt Issued (Repaid)	-0.12	0.01	-2.24	-36.99	387.54	-9.13
Issuance of Common Stock	9.86	10.55	4.97	5.83	2.72	108.96
Repurchases of Common Stock	-3.82	-3.84	-1.78	-3.26	-2.25	-1.05
Common Dividends Paid	-54.79	-53.92	-50.52	-44.67	-36.64	-30.23
Other Financing Activities	-13.97	-13.76	-19.53	-44.13	-40.99	-14.26
Financing Cash Flow	-62.83	-60.96	-69.1	-123.22	310.37	54.3
Foreign Exchange Rate Adjustments	-2.39	-4.46	1.02	-5.53	-2.15	3.34
Net Cash Flow	10.16	-17.07	-15	-237.55	53.24	102.07
Free Cash Flow	92.71	95.14	45.25	143.91	350.49	260.81
Free Cash Flow Growth	41.75%	110.25%	-68.56%	-58.94%	34.38%	74.71%
Free Cash Flow Margin	3.64%	3.82%	2.00%	4.69%	10.63%	11.40%
Free Cash Flow Per Share	3.29	3.38	1.64	5.26	12.90	10.47
Cash Interest Paid	17.46	17.46	17.17	17.4	2.83	2.6
Cash Income Tax Paid	25.77	25.77	5.35	60.09	106.1	44.76
Levered Free Cash Flow	120.9	119.22	52.37	111.24	287.1	250.02
Unlevered Free Cash Flow	133.28	131.67	64.7	122.74	290.24	251.66
Change in Net Working Capital	-17.18	-13.39	22.69	56.68	-11.81	-104.23

Updated Feb 28, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

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