252.9 USD
-1.85 (-0.73%)
ITIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and the financial health of ITIC get a neutral evaluation. Nothing too spectacular is happening here. ITIC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- ITIC had positive earnings in the past year.
- ITIC had a positive operating cash flow in the past year.
- Each year in the past 5 years ITIC has been profitable.
- Each year in the past 5 years ITIC had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 9.92%, ITIC belongs to the top of the industry, outperforming 96.64% of the companies in the same industry.
- With a Return On Equity value of 12.96%, ITIC perfoms like the industry average, outperforming 57.72% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 11.43%, ITIC belongs to the top of the industry, outperforming 93.96% of the companies in the same industry.
- ITIC had an Average Return On Invested Capital over the past 3 years of 10.86%. This is below the industry average of 14.92%.
- The 3 year average ROIC (10.86%) for ITIC is below the current ROIC(11.43%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.92% | ||
| ROE | 12.96% | ||
| ROIC | 11.43% |
ROA(3y)7.64%
ROA(5y)11.41%
ROE(3y)10.29%
ROE(5y)15.96%
ROIC(3y)10.86%
ROIC(5y)13.58%
1.3 Margins
- The Profit Margin of ITIC (13.15%) is better than 71.14% of its industry peers.
- ITIC's Profit Margin has declined in the last couple of years.
- The Operating Margin of ITIC (16.71%) is better than 65.10% of its industry peers.
- In the last couple of years the Operating Margin of ITIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.71% | ||
| PM (TTM) | 13.15% | ||
| GM | N/A |
OM growth 3Y-11.73%
OM growth 5Y-2.12%
PM growth 3Y-17.34%
PM growth 5Y-7.94%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ITIC is creating some value.
- The number of shares outstanding for ITIC has been reduced compared to 1 year ago.
- ITIC has less shares outstanding than it did 5 years ago.
- ITIC has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of ITIC is 0.01, which is an excellent value as it means it would take ITIC, only 0.01 years of fcf income to pay off all of its debts.
- ITIC has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. ITIC outperforms 95.30% of its industry peers.
- A Debt/Equity ratio of 0.00 indicates that ITIC is not too dependend on debt financing.
- ITIC has a better Debt to Equity ratio (0.00) than 91.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | N/A |
ROIC/WACC1.29
WACC8.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- ITIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.79%, which is quite impressive.
- Measured over the past years, ITIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.20% on average per year.
- The Revenue has grown by 13.44% in the past year. This is quite good.
- Measured over the past years, ITIC shows a quite strong growth in Revenue. The Revenue has been growing by 8.33% on average per year.
EPS 1Y (TTM)25.79%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%31.05%
Revenue 1Y (TTM)13.44%
Revenue growth 3Y-6.35%
Revenue growth 5Y8.33%
Sales Q2Q%6.09%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- ITIC is valuated correctly with a Price/Earnings ratio of 13.31.
- Compared to the rest of the industry, the Price/Earnings ratio of ITIC is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.21. ITIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- ITIC's Enterprise Value to EBITDA is on the same level as the industry average.
- ITIC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.7 | ||
| EV/EBITDA | 9.15 |
4.3 Compensation for Growth
- ITIC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ITIC has a yearly dividend return of 0.72%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.53, ITIC is paying slightly less dividend.
- With a Dividend Yield of 0.72, ITIC pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.72% |
5.2 History
- On average, the dividend of ITIC grows each year by 10.63%, which is quite nice.
- ITIC has paid a dividend for at least 10 years, which is a reliable track record.
- ITIC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.63%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- ITIC pays out 82.91% of its income as dividend. This is not a sustainable payout ratio.
- The Dividend Rate of ITIC has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP82.91%
EPS Next 2YN/A
EPS Next 3YN/A
INVESTORS TITLE CO / ITIC FAQ
What is the ChartMill fundamental rating of INVESTORS TITLE CO (ITIC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ITIC.
What is the valuation status for ITIC stock?
ChartMill assigns a valuation rating of 3 / 10 to INVESTORS TITLE CO (ITIC). This can be considered as Overvalued.
What is the profitability of ITIC stock?
INVESTORS TITLE CO (ITIC) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for ITIC stock?
The Price/Earnings (PE) ratio for INVESTORS TITLE CO (ITIC) is 13.31 and the Price/Book (PB) ratio is 1.72.
How financially healthy is INVESTORS TITLE CO?
The financial health rating of INVESTORS TITLE CO (ITIC) is 4 / 10.