Company profile

Frederick H. Eppinger
Incorporated in
Fiscal year end
Industry (SEC)
IRS number

STC stock data



4 May 20
8 Jul 20
31 Dec 20


Company financial data Financial data

Quarter (USD) Mar 20 Dec 19 Sep 19 Jun 19
Revenue 439.9M 509.91M 559.51M 472.08M
Net income 7.37M 3.06M 69.67M 22.33M
Diluted EPS 0.22 NaN 2.78 0.81
Net profit margin 1.68% 0.60% 12.45% 4.73%
Net change in cash -37.01M 9.65M 119.76M 36.7M
Cash on hand 293.6M 330.61M 320.96M 201.21M
Annual (USD) Dec 19 Dec 18 Dec 17 Dec 16
Revenue 1.94B 1.91B 1.96B 2.01B
Net income 90.27M 59.02M 60.15M 68.42M
Diluted EPS 3.31 2.01 2.06 1.85
Net profit margin 4.65% 3.09% 3.08% 3.41%
Net change in cash 138.54M 41.99M -35.69M 6.71M
Cash on hand 330.61M 192.07M 150.08M 185.77M

Financial data from company earnings reports

Date Owner Security Transaction Code 10b5-1 $Price #Shares $Value #Remaining
1 Jul 20 William S. Jr. Corey Common Stock Grant Aquire A No 0 1,691 0 1,691
8 Jun 20 Matthew Morris Common Stock Sell Dispose S No 35.1421 5,206 182.95K 180,783
8 Jun 20 Matthew Morris Common Stock Sell Dispose S No 34.6062 15,059 521.13K 185,989
5 Jun 20 Matthew Morris Common Stock Sell Dispose S No 34.3077 4,735 162.45K 201,048
4 Jun 20 Apel Thomas G Common Stock, $1.00 par value Grant Aquire A No 0 1,826 0 34,451
4 Jun 20 Bradley C Allen JR Common Stock, $1.00 par value Grant Aquire A No 0 3,226 0 9,303
91.8% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 147 172 -14.5%
Opened positions 14 30 -53.3%
Closed positions 39 19 +105.3%
Increased positions 59 73 -19.2%
Reduced positions 51 44 +15.9%
13F shares
Current Prev Q Change
Total value 1.58B 2.33B -32.2%
Total shares 21.77M 21.65M +0.6%
Total puts 11.7K 47.8K -75.5%
Total calls 10K 18.3K -45.4%
Total put/call ratio 1.2 2.6 -55.2%
Largest owners
Shares Value Change
BLK BlackRock 3.45M $91.88M -0.7%
Victory Capital Management 2.34M $62.51M +29.5%
Dimensional Fund Advisors 1.86M $49.57M -3.4%
Vanguard 1.55M $41.34M +0.2%
WFC Wells Fargo & Company 1.31M $34.87M -1.7%
Renaissance Technologies 1.14M $30.29M +3.6%
STT State Street 809.72K $21.6M +10.7%
IVZ Invesco 583.8K $15.57M -9.5%
Thompson Siegel & Walmsley 571.13K $15.23M +0.3%
FRLG Goldman Sachs 431.09K $11.5M -0.4%
Largest transactions
Shares Bought/sold Change
Victory Capital Management 2.34M +533.73K +29.5%
DB Deutsche Bank 302.59K +187.35K +162.6%
Bridgeway Capital Management 125.81K +125.81K NEW
Penn Capital Management 427.57K +107.89K +33.7%
Millennium Management 143.64K -95.06K -39.8%
Healthcare Of Ontario Pension Plan Trust Fund 75K -90K -54.5%
Two Sigma Investments 55.74K -89.19K -61.5%
Marshall Wace North America 56.29K -85.34K -60.3%
Marshall Wace 8.76K -84.7K -90.6%
STT State Street 809.72K +78.01K +10.7%

Financial report summary

  • Adverse changes in economic conditions, especially those affecting the levels of real estate and mortgage activity, may reduce our revenues.
  • Our claims experience may require us to increase our provision for title losses or to record additional reserves, either of which would adversely affect our earnings.
  • Competition in the title insurance industry may affect our revenues.
  • Availability of credit may reduce our liquidity and negatively impact our ability to fund operations.
  • A downgrade of our underwriters by rating agencies may reduce our revenues.
  • Our insurance subsidiaries must comply with extensive government regulations. These regulations could adversely affect our ability to increase our revenues and operating results.
  • Rapid changes in our industry require secure, timely and cost-effective technological responses. Our earnings may be adversely affected if we are unable to effectively use technology to address regulatory changes and increase productivity.
  • We rely on dividends from our insurance underwriting subsidiaries.
  • Claims by large classes of claimants may impact our financial condition or results of operations.
  • Information technology systems present potential targets for cyber security attacks.
  • Unfavorable economic or other business conditions could cause us to record an impairment of all or a portion of our goodwill, other intangible assets and other long-lived assets.
  • Failures at financial institutions at which we deposit funds could adversely affect us.
  • Our investment portfolio is subject to interest rate and other risks and could experience losses.
  • Our business could be disrupted as a result of a threatened proxy contest and other actions of activist stockholders.
Management Discussion
  • Comparisons of our results of operations for the three months ended March 31, 2020 with the three months ended March 31, 2019 are set forth below. Factors contributing to fluctuations in the results of operations are presented in the order of their monetary significance, and we have quantified, when necessary, significant changes. Segment results are included in the discussions and, when relevant, are discussed separately.
  • Our statements on home sales and loan activity are based on published industry data from sources including Fannie Mae, the National Association of Realtors® (NAR) and the U.S. Census Bureau. We also use information from our direct operations.
  • Operating environment. Actual existing home sales in the first quarter 2020 improved approximately 7% from the first quarter 2019. On seasonally-adjusted basis, March 2020 existing home sales totaled 415,000, which improved approximately 1% from a year ago, but declined 9% from February 2020. March 2020 median and average home prices increased approximately 8% and 6%, respectively, compared to March 2019 prices. March 2020 housing starts increased 1% from a year ago, but declined 22% compared to February 2020. Newly issued building permits in March 2020 were up 5% from a year ago, but decreased 7% sequentially from February 2020. March 2020 declines from February 2020 are primarily attributed to the effect of the COVID-19 pandemic.
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