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Segment information
9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Segment information
Segment information. The Company's chief operating decision maker (CODM) is the chief executive officer, who evaluates the performance of and allocates resources to its three reportable segments: title insurance and related services (title), real estate solutions, and corporate. The Company uses revenues and pretax income in assessing segment performance and trends. The title segment provides services needed to transfer title to property in a real estate transaction and includes services such as searching, abstracting, examining, closing and insuring the condition of the title to the property. In addition, the title segment includes home and personal insurance services, Internal Revenue Code Section 1031 tax-deferred exchanges, and digital customer engagement platform services. The real estate solutions segment supports the real estate industry and primarily includes credit and real estate information services, valuation services, online notarization and closing services, and capital markets search services. The corporate segment is primarily comprised of the parent holding company and centralized support services departments.

Statement of income information related to these reportable segments, including major expense captions used to calculate pretax income, is as follows:

Three Months Ended 
 September 30,
Nine Months Ended
 September 30,
 2025202420252024
 (in $ thousands)(in $ thousands)
Title:
Revenues678,899 571,600 1,803,322 1,552,988 
Expenses
Amounts retained by agencies299,523 233,980 773,012 634,083 
Employee costs
191,598 176,225 549,634 495,943 
Other operating expenses97,482 85,853 272,241 247,371 
Title losses and related claims19,546 21,282 58,701 59,754 
Depreciation and amortization8,356 8,860 25,413 26,126 
Interest419 406 1,265 1,165 
616,924 526,606 1,680,266 1,464,442 
Pretax income
61,975 44,994 123,056 88,546 
Three Months Ended
September 30,
Nine Months Ended
September 30,
 2025202420252024
 (in $ thousands)(in $ thousands)
Real estate solutions:
Revenues116,639 96,384 326,424 271,648 
Expenses
Employee costs
16,094 14,104 45,266 39,904 
Other operating expenses86,479 68,634 243,494 193,703 
Depreciation and amortization6,777 6,264 19,574 18,803 
Interest— — 
109,350 89,002 308,336 252,417 
Pretax income
7,289 7,382 18,088 19,231 

Corporate:
Revenues - net realized gains (losses)
1,378 (43)1,335 (149)
Expenses
Employee costs
3,529 3,533 10,340 10,140 
Other operating expenses1,204 1,159 3,870 3,816 
Depreciation and amortization258 356 876 1,133 
Interest4,479 4,493 13,545 13,596 
9,470 9,541 28,631 28,685 
Pretax loss
(8,092)(9,584)(27,296)(28,834)

Consolidated Stewart:
Revenues796,916 667,941 2,131,081 1,824,487 
Expenses
Amounts retained by agencies299,523 233,980 773,012 634,083 
Employee costs
211,221 193,862 605,240 545,987 
Other operating expenses185,165 155,646 519,605 444,890 
Title losses and related claims19,546 21,282 58,701 59,754 
Depreciation and amortization15,391 15,480 45,863 46,062 
Interest4,898 4,899 14,812 14,768 
735,744 625,149 2,017,233 1,745,544 
Pretax income
61,172 42,792 113,848 78,943 

The Company does not provide asset information by reportable operating segment as it does not routinely evaluate the asset position by segment.

Total revenues generated in the United States and all international operations are as follows:
 Three Months Ended 
 September 30,
Nine Months Ended 
 September 30,
 2025202420252024
 
(in $ thousands)
United States747,405 629,036 2,011,124 1,717,898 
International49,511 38,905 119,957 106,589 
796,916 667,941 2,131,081 1,824,487