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SWRD (SWRD)

NASDAQ: SWRD · USD

$3.29

+0.38 (+13.1%)· Recorded snapshot

Market cap	694.7M
Revenue (ttm)	16.9M
Net income (ttm)	-33.1M
EPS (ttm)	-$0.17
Shares out	211.1M
Volume	395,850
Beta	1.26

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 16.9M
Net income (ttm): -33.1M
EPS (ttm): -$0.17
Market cap: 694.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Metric	Value
Amount currency	USD
CIK code	0001795851
Country	United States
Country code	US
CUSIP number	312084106
Earnings date	2026-11-17
Employees	121
Employees change	0
Employees growth	0%
Enterprise value	$812.6M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-10-09
Fiscal year end	December
Founded	1999
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US3120841065
Last refreshed	2026-10-28
Last stock split date	2019-01-09
Last stock split type	Reverse
Market cap	$694.7M
Market cap category	Small-Cap
Price	$3.29
Price currency	USD
Sector	Financials
Stock price date	2026-10-28
Symbol	SWRD
U.S. state	Florida
Website	https://www.stewards.com

Metric

Value

Amount currency

USD

CIK code

0001795851

Country

United States

Country code

CUSIP number

312084106

Earnings date

2026-11-17

Employees

121

Employees change

Employees growth

Enterprise value

$812.6M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-10-09

Fiscal year end

December

Founded

1999

Industry

Credit Services

Is primary listing

Yes

Is SPAC

ISIN number

US3120841065

Last refreshed

2026-10-28

Last stock split date

2019-01-09

Last stock split type

Reverse

Market cap

$694.7M

Market cap category

Small-Cap

Price

$3.29

Price currency

USD

Sector

Financials

Stock price date

2026-10-28

Symbol

SWRD

U.S. state

Florida

Website

https://www.stewards.com

Metric	Value
Earnings yield	-5.11%
EV/Sales	49.27x
FCF / EV yield	-1.53%
FCF yield	-1.78%
Industry forward P/E	19.82x
Industry P/E	22.96x
P/B ratio	18.87x
P/S ratio	42.31x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Earnings yield

-5.11%

EV/Sales

49.27x

FCF / EV yield

-1.53%

FCF yield

-1.78%

Industry forward P/E

19.82x

Industry P/E

22.96x

P/B ratio

18.87x

P/S ratio

42.31x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
EBIT margin	-108.3%
EBITDA margin	-47.5%
Gross margin	60.09%
Operating margin	-108.3%
Pretax margin	-175.41%
Profit margin	-175.65%
Profit per employee	$-273,244
Revenue per employee	$139,830
ROA	-11.56%
ROCE	-11.85%
ROE	-311.39%
ROIC	-13.14%
SBC / revenue	4.77%
Tax / revenue	0.24%

Metric

Value

EBIT margin

-108.3%

EBITDA margin

-47.5%

Gross margin

60.09%

Operating margin

-108.3%

Pretax margin

-175.41%

Profit margin

-175.65%

Profit per employee

$-273,244

Revenue per employee

$139,830

ROA

-11.56%

ROCE

-11.85%

ROE

-311.39%

ROIC

-13.14%

SBC / revenue

4.77%

Tax / revenue

0.24%

Metric	Value
EPS growth years	0
Gross profit growth	-2.29%
Gross profit growth (Q)	-30.78%
Net income growth years	0
Revenue growth	30.01%
Revenue growth (Q)	4.62%
Revenue growth (QoQ)	-10.03%
Revenue growth quarters	4
Revenue growth years	2

Metric

Value

EPS growth years

Gross profit growth

-2.29%

Gross profit growth (Q)

-30.78%

Net income growth years

Revenue growth

30.01%

Revenue growth (Q)

4.62%

Revenue growth (QoQ)

-10.03%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-5.9M
Depreciation and amortization	$10.3M
EBIT	$-18.3M
EBITDA	$-8M
EPS	$-0.17
FCF per share	$-0.06
Financing cash flow	$16.2M
Free cash flow	$-12.8M
Free cash flow minus SBC	$-13.6M
Gross profit	$10.2M
Income taxes	$40,522
Investing cash flow	$-5.4M
Net borrowing	$10.1M
Net cash flow	$3.9M
Net income	$-33.1M
Operating cash flow minus SBC	$-7.7M
Operating income	$-18.3M
Revenue	$16.9M
Stock-based compensation	$806,740

Metric

Value

Capital expenditures

$-5.9M

Depreciation and amortization

$10.3M

EBIT

$-18.3M

EBITDA

$-8M

EPS

$-0.17

FCF per share

$-0.06

Financing cash flow

$16.2M

Free cash flow

$-12.8M

Free cash flow minus SBC

$-13.6M

Gross profit

$10.2M

Income taxes

$40,522

Investing cash flow

$-5.4M

Net borrowing

$10.1M

Net cash flow

$3.9M

Net income

$-33.1M

Operating cash flow minus SBC

$-7.7M

Operating income

$-18.3M

Revenue

$16.9M

Stock-based compensation

$806,740

Metric	Value
Altman Z-Score	2.46
Book value per share	$0.01
Debt / equity	3.14
Goodwill	$1.2M
Interest coverage	-1.47
Long-term assets	$157.5M
Long-term liabilities	$116.7M
Net cash (debt)	$-117.9M
Net cash / market cap	-16.47%
Net debt / equity	3.11
Piotroski F-Score	1
Property, plant and equipment	$154.1M
Shareholders' equity	$37.9M
Tangible book value	$-200,000
Tangible book value per share	$-0.00
Total assets	$174M
Total cash	$1.1M
Total debt	$119M
Total liabilities	$136.1M
WACC	10.77%

Metric

Value

Altman Z-Score

2.46

Book value per share

$0.01

Debt / equity

3.14

Goodwill

$1.2M

Interest coverage

-1.47

Long-term assets

$157.5M

Long-term liabilities

$116.7M

Net cash (debt)

$-117.9M

Net cash / market cap

-16.47%

Net debt / equity

3.11

Piotroski F-Score

Property, plant and equipment

$154.1M

Shareholders' equity

$37.9M

Tangible book value

$-200,000

Tangible book value per share

$-0.00

Total assets

$174M

Total cash

$1.1M

Total debt

$119M

Total liabilities

$136.1M

WACC

10.77%

Metric	Value
Asset turnover	0.17
Current assets	$16.5M
Current liabilities	$19.4M
Current ratio	0.85
Net working capital	$-1.3M
Quick ratio	0.06
Working capital	$-2.8M
Working capital turnover	3.12

Metric

Value

Asset turnover

0.17

Current assets

$16.5M

Current liabilities

$19.4M

Current ratio

0.85

Net working capital

$-1.3M

Quick ratio

0.06

Working capital

$-2.8M

Working capital turnover

3.12

Metric	Value
Buyback yield / dilution	-96.12%
Dividend yield	0%
Shareholder yield	-96.12%

Metric

Value

Buyback yield / dilution

-96.12%

Dividend yield

Shareholder yield

-96.12%

Metric	Value
10Y price change	1,820.42%
10Y return CAGR	34.39%
10Y total return	1,820.42%
150-day SMA	$3.58
15Y price change	-39.45%
15Y return CAGR	-3.29%
15Y total return	-39.45%
1D price change	13.06%
1M price change	27.59%
1M total return	27.59%
1W price change	41.7%
1W total return	41.7%
1Y price change	-27.61%
1Y return CAGR	-27.62%
1Y total return	-27.61%
20-day SMA	$2.61
200-day SMA	$3.92
20Y price change	-99.6%
20Y return CAGR	-24.09%
20Y total return	-99.6%
3M price change	-26%
3M total return	-26%
3Y price change	2,422.73%
3Y return CAGR	193.21%
3Y total return	2,422.73%
50-day SMA	$2.87
50-day SMA vs 200-day SMA	50under200
52-week high	$7.50
52-week high date	2025-12-03
52-week low	$1.46
52-week low date	2026-09-16
5Y price change	437.1%
5Y return CAGR	39.97%
5Y total return	437.1%
6M price change	22.88%
6M total return	22.88%
All-time high	$1,320.00
All-time high date	2006-10-02
All-time low	$0.01
All-time low date	2020-10-30
Average true range (ATR)	$0.42
Average volume	249.6K
Beta (1Y)	2.96
Beta (2Y)	-0.34
Beta (5Y)	1.26
Change from 52-week high	-56.13%
Change from 52-week low	125.34%
Change from all-time high	-99.75%
Change from all-time low	29,632.14%
Change from open	0.92%
Day's gap	12.03%
Dollar volume	$1.3M
High price	$3.53
Low price	$3.26
Monthly RSI	55.45
Open price	$3.26
Position in 52-week range	11.11%
Premarket change	-11%
Premarket close	$2.91
Premarket price	$2.59
Previous close	$2.91
Price vs 150-day SMA	-6.85%
Price vs 20-day SMA	27.39%
Price vs 200-day SMA	-15.03%
Price vs 50-day SMA	16.23%
Relative volume	1.59
RSI	61.72
Sharpe ratio	1.56
Sharpe ratio (3Y)	1
Sharpe ratio (5Y)	1.03
Sortino ratio	2.66
Sortino ratio (3Y)	10.35
Sortino ratio (5Y)	8.01
Volume	395.9K
Weekly RSI	49.88
YTD price change	-34.71%
YTD total return	-34.71%

Metric

Value

10Y price change

1,820.42%

10Y return CAGR

34.39%

10Y total return

1,820.42%

150-day SMA

$3.58

15Y price change

-39.45%

15Y return CAGR

-3.29%

15Y total return

-39.45%

1D price change

13.06%

1M price change

27.59%

1M total return

27.59%

1W price change

41.7%

1W total return

41.7%

1Y price change

-27.61%

1Y return CAGR

-27.62%

1Y total return

-27.61%

20-day SMA

$2.61

200-day SMA

$3.92

20Y price change

-99.6%

20Y return CAGR

-24.09%

20Y total return

-99.6%

3M price change

-26%

3M total return

-26%

3Y price change

2,422.73%

3Y return CAGR

193.21%

3Y total return

2,422.73%

50-day SMA

$2.87

50-day SMA vs 200-day SMA

50under200

52-week high

$7.50

52-week high date

2025-12-03

52-week low

$1.46

52-week low date

2026-09-16

5Y price change

437.1%

5Y return CAGR

39.97%

5Y total return

437.1%

6M price change

22.88%

6M total return

22.88%

All-time high

$1,320.00

All-time high date

2006-10-02

All-time low

$0.01

All-time low date

2020-10-30

Average true range (ATR)

$0.42

Average volume

249.6K

Beta (1Y)

2.96

Beta (2Y)

-0.34

Beta (5Y)

1.26

Change from 52-week high

-56.13%

Change from 52-week low

125.34%

Change from all-time high

-99.75%

Change from all-time low

29,632.14%

Change from open

0.92%

Day's gap

12.03%

Dollar volume

$1.3M

High price

$3.53

Low price

$3.26

Monthly RSI

55.45

Open price

$3.26

Position in 52-week range

11.11%

Premarket change

-11%

Premarket close

$2.91

Premarket price

$2.59

Previous close

$2.91

Price vs 150-day SMA

-6.85%

Price vs 20-day SMA

27.39%

Price vs 200-day SMA

-15.03%

Price vs 50-day SMA

16.23%

Relative volume

1.59

RSI

61.72

Sharpe ratio

1.56

Sharpe ratio (3Y)

Sharpe ratio (5Y)

1.03

Sortino ratio

2.66

Sortino ratio (3Y)

10.35

Sortino ratio (5Y)

8.01

Volume

395.9K

Weekly RSI

49.88

YTD price change

-34.71%

YTD total return

-34.71%

Metric	Value
Float	88.1M
Float percentage	41.73%
Shares change (QoQ)	0.23%
Shares change (YoY)	96.12%
Shares held by insiders	41.06%
Shares held by institutions	0.03%
Shares outstanding	211.1M
Short % of float	0.35%
Short % of shares	0.14%
Short ratio	0.2 days

Metric

Value

Float

88.1M

Float percentage

41.73%

Shares change (QoQ)

0.23%

Shares change (YoY)

96.12%

Shares held by insiders

41.06%

Shares held by institutions

0.03%

Shares outstanding

211.1M

Short % of float

0.35%

Short % of shares

0.14%

Short ratio

0.2 days

SWRD (SWRD)

Price

Financial snapshot

Fair-value bridge

Latest news · SWRD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SWRD indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SWRD

Frequently asked questions