STC

EX-99.1

2 tm2620702d2_ex99-1.htm

EXHIBIT 99.1

Exhibit 99.1

NEWS RELEASE

STEWART

INFORMATION SERVICES CORP.

P.O. Box 2029

Houston, Texas 77252-2029

www.stewart.com

CONTACT

Kathryn Bass

Investor Relations

(713) 625-8633

Stewart Reports Second Quarter 2026 Results

· Total revenues of $899.2 million ($895.8 million on an adjusted basis) compared to $722.2 million ($721.5 million on an adjusted basis) in the prior year quarter

· Net income of $37.2 million ($42.9 million on an adjusted basis) compared to net income of $31.9 million ($38.0 million on an adjusted basis) in the prior year quarter

· Diluted EPS of $1.21 ($1.39 on an adjusted basis) compared to prior year quarter diluted EPS of $1.13 ($1.34 on an adjusted basis)

HOUSTON, July 22, 2026 - Stewart Information Services Corporation (NYSE: STC) today reported net income attributable to Stewart of $37.2 million ($1.21 per diluted share) for the second quarter 2026, compared to net income attributable to Stewart of $31.9 million ($1.13 per diluted share) for the second quarter 2025. On an adjusted basis, net income for the second quarter 2026 was $42.9 million ($1.39 per diluted share) compared to net income of $38.0 million ($1.34 per diluted share) in the second quarter 2025. Pretax income before noncontrolling interests for the second quarter 2026 was $55.1 million ($62.8 million on an adjusted basis) compared to $46.8 million ($54.9 million on an adjusted basis) for the second quarter 2025.

Second quarter 2026 results included $3.4 million of pretax net realized and unrealized gains, which were primarily related to net gains from fair value changes of equity securities investments recorded in the title segment. Second quarter 2025 results included $0.7 million of pretax net realized and unrealized gains, which primarily resulted from $2.4 million of net unrealized gains on fair value changes of equity securities investments, partially offset by a $1.2 million acquisition liability adjustment loss in the title segment.

“We continued to build on our momentum in the second quarter and delivered another quarter of strong revenue results,” commented Fred Eppinger, chief executive officer. “Though the housing market faces continued headwinds, we remain dedicated to growing each of our businesses and delivering best-in-class service to our customers.”

-1-

Selected Financial Information

Summary results of operations are as follows (dollars in millions, except per share amounts, pretax margin and adjusted pretax margin, and amounts may not add as presented due to rounding):

Quarter Ended June 30, Six Months Ended June 30,

2026 2025 2026 2025

Total revenues 899.2 722.2 1,680.5 1,334.2

Pretax income before noncontrolling interests 55.1 46.8 78.7 52.7

Income tax expense (13.3) (11.1) (17.9) (11.6)

Net income attributable to noncontrolling interests (4.5) (3.7) (6.6) (6.1)

Net income attributable to Stewart 37.2 31.9 54.2 35.0

Non-GAAP adjustments, after taxes*

5.7 6.0 12.8 9.9

Adjusted net income attributable to Stewart* 42.9 38.0 66.9 44.9

Pretax margin 6.1% 6.5% 4.7% 3.9%

Adjusted pretax margin* 7.0% 7.6% 5.7% 5.0%

Net income per diluted Stewart share 1.21 1.13 1.76 1.24

Adjusted net income per diluted Stewart share* 1.39 1.34 2.17 1.59

*Adjusted net income, adjusted pretax margin and adjusted net income per diluted share are non-GAAP measures. See Appendix A for explanation and reconciliation of non-GAAP adjustments.

Title Segment

Summary results of the title segment are as follows (dollars in millions, except pretax margin and adjusted pretax margin):

Quarter Ended June 30,

2026 2025 % Change

Operating revenues 683.6 592.5 15%

Investment income 14.8 16.2 (9)%

Net realized and unrealized gains 3.4 0.8 348%

Pretax income 48.6 49.3 (1)%

Non-GAAP adjustments to pretax income*

(0.7) 2.6 (127)%

Adjusted pretax income* 47.9 51.9 (8)%

Pretax margin 6.9% 8.1%

Adjusted pretax margin* 6.9% 8.5%

* Adjusted pretax income and adjusted pretax margin are non-GAAP financial measures. See Appendix A for explanation and reconciliation of non-GAAP adjustments.

Title segment operating revenues increased $91.1 million (15 percent) in the second quarter 2026 compared to the second quarter 2025, primarily resulting from strong performance by our direct and agency title operations. Direct title revenues improved $15.3 million (5 percent), primarily due to increased domestic commercial transaction volume, while gross agency title revenues increased $75.8 million (25 percent). Net of agency retention, agency title revenues increased $13.0 million (26 percent), consistent with the gross agency revenue growth.

-2-

The title segment’s combined employee costs and other operating expenses increased $29.6 million (11 percent) in the second quarter 2026 compared to the prior year quarter, primarily driven by higher salaries and employee benefits, incentive compensation, and title outside search and service fees. As a percentage of title operating

EX-99.1

2 tm2612371d1_ex99-1.htm

EXHIBIT 99.1

Exhibit 99.1

NEWS RELEASE

STEWART INFORMATION SERVICES CORP.

P.O. Box 2029

Houston, Texas 77252-2029

www.stewart.com

CONTACT

Kathryn Bass

Investor Relations

(713) 625-8633

Stewart Reports First Quarter 2026 Results

·Total revenues of $781.3 million ($778.4 million on an adjusted basis) compared to $612.0 million ($608.9 million on an adjusted basis) in the prior year quarter

·Net income of $17.0 million ($24.1 million on an adjusted basis) compared to net income of $3.1 million ($7.0 million on an adjusted basis) in the prior year quarter

·Diluted EPS of $0.55 ($0.78 on an adjusted basis) compared to prior year quarter diluted EPS of $0.11 ($0.25 on an adjusted basis)

HOUSTON, April 22, 2026 - Stewart Information Services Corporation (NYSE: STC) today reported net income attributable to Stewart of $17.0 million ($0.55 per diluted share) for the first quarter 2026, compared to net income attributable to Stewart of $3.1 million ($0.11 per diluted share) for the first quarter 2025. On an adjusted basis, net income for the first quarter 2026 was $24.1 million ($0.78 per diluted share) compared to net income of $7.0 million ($0.25 per diluted share) in the first quarter 2025. Pretax income before noncontrolling interests for the first quarter 2026 was $23.6 million ($33.2 million on an adjusted basis) compared to $5.9 million ($11.2 million on an adjusted basis) for the first quarter 2025.

First quarter 2026 and 2025 results included $2.9 million and $3.1 million, respectively, of pretax net realized and unrealized gains, both primarily driven by net gains from fair value changes of equity securities investments recorded in the title segment.

“I am proud of our first quarter results as they reflect the momentum we have built in each of our businesses,” commented Fred Eppinger, chief executive officer. “We are pleased with our ability to deliver these solid results while confronting housing market and macroeconomic volatility. We remain focused on growth across all of our business lines and are dedicated to serving our customers with excellence.”

Selected Financial Information

Summary results of operations are as follows (dollars in millions, except per share amounts, pretax margin and adjusted pretax margin, and amounts may not add as presented due to rounding):

Quarter Ended March 31,

2026 2025

Total revenues 781.3 612.0

Pretax income before noncontrolling interests 23.6 5.9

Income tax expense (4.6) (0.5)

Net income attributable to noncontrolling interests (2.1) (2.3)

Net income attributable to Stewart 17.0 3.1

Non-GAAP adjustments, after taxes*

7.1 3.9

Adjusted net income attributable to Stewart* 24.1 7.0

Pretax margin 3.0% 1.0%

Adjusted pretax margin* 4.3% 1.8%

Net income per diluted Stewart share 0.55 0.11

Adjusted net income per diluted Stewart share* 0.78 0.25

*Adjusted net income, adjusted pretax margin and adjusted net income per diluted share are non-GAAP measures. See Appendix A for explanation and reconciliation of non-GAAP adjustments.

Title Segment

Summary results of the title segment are as follows (dollars in millions, except pretax margin and adjusted pretax margin):

Quarter Ended March 31,

2026 2025 % Change

Operating revenues 603.2 499.2 21%

Investment income 13.8 12.6 10%

Net realized and unrealized gains 3.1 3.1 1%

Pretax income 25.0 11.8 112%

Non-GAAP adjustments to pretax income*

0.2 (0.3) 180%

Adjusted pretax income* 25.2 11.5 119%

Pretax margin 4.0% 2.3%

Adjusted pretax margin* 4.1% 2.2%

* Adjusted pretax income and adjusted pretax margin are non-GAAP financial measures. See Appendix A for explanation and reconciliation of non-GAAP adjustments.

Title segment operating revenues increased $104.0 million (21 percent) in the first quarter 2026, driven by strong results across both our direct and agency title operations despite the current market environment. Direct title revenues improved $38.5 million (17 percent), primarily reflecting consistent strong performance in our domestic commercial business and improved domestic residential results. Gross agency revenues increased $65.5 million (25 percent), while revenues net of agency retention increased $10.7 million (23 percent) compared to the first quarter 2025. The title segment’s combined employee costs and other operating expenses increased $36.9 million (14 percent); however, as a percentage of operating revenues, these costs improved to 48 percent in the first quarter 2026 from 51 percent in the prior year quarter, primarily due to higher title operating revenues. Title loss expense, as a percentage of title operating revenues, improved to 3.1 percent in the first quarter 2026, compared to 3.5 percent in the prior year quarter, primarily due to our continued overall favorable claims experience.

-2-

Net realized and unrealized gains in the first quarters 2026 and 2025 were primarily related to net gains on fair value changes of equity securities

false 0000094344

STEWART INFORMATION SERVICES CORP

0000094344

2026-02-04 2026-02-04

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM

8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (DATE OF EARLIEST

EVENT REPORTED): February 4, 2026

STEWART INFORMATION SERVICES CORPORATION

(EXACT NAME OF REGISTRANT AS SPECIFIED

IN ITS CHARTER)

Delaware

001-02658

74-1677330

(STATE OR OTHER

JURISDICTION)

(COMMISSION FILE

NO.)

(I.R.S. EMPLOYER

IDENTIFICATION

NO.)

1360 Post Oak Blvd, Suite 100, Houston, Texas 77056

(Address Of Principal Executive Offices) (Zip Code)

Registrant’s Telephone Number, Including Area Code: (713) 625-8100

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $1 par value STC New York Stock Exchange (NYSE)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

ITEM 2.02.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

A press release issued by Stewart Information Services Corporation on February 4, 2026, regarding financial results for the three months ended December 31, 2025, is attached hereto as Exhibit 99.1, and is incorporated herein by reference. This information is not deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 and is not incorporated by reference in any filing under the Securities Act of 1933, as amended.

ITEM 9.01.   FINANCIAL STATEMENTS AND EXHIBITS.

(d) EXHIBITS

Exhibit No. Description

99.1 Press release of Stewart Information Services Corporation dated February 4, 2026, reporting financial results for the three months ended December 31, 2025.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

STEWART INFORMATION SERVICES CORPORATION

(Registrant)

By: /s/ David C. Hisey

David C. Hisey,

Chief Financial Officer and Treasurer

Date: February 4, 2026