250.3 USD
-1.66 (-0.66%)
250.3 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ITIC. ITIC was compared to 148 industry peers in the Insurance industry. ITIC has an average financial health and profitability rating. ITIC does not seem to be growing, but still is valued expensively.
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.
ITIC had positive earnings in each of the past 5 years.
Each year in the past 5 years ITIC had a positive operating cash flow.
1.2 Ratios
ITIC's Return On Assets of 9.92% is amongst the best of the industry. ITIC outperforms 96.62% of its industry peers.
The Return On Equity of ITIC (12.96%) is comparable to the rest of the industry.
The Return On Invested Capital of ITIC (11.43%) is better than 94.59% of its industry peers.
ITIC had an Average Return On Invested Capital over the past 3 years of 10.86%. This is below the industry average of 14.88%.
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
ITIC has a better Profit Margin (13.15%) than 70.95% of its industry peers.
In the last couple of years the Profit Margin of ITIC has declined.
The Operating Margin of ITIC (16.71%) is better than 64.86% of its industry peers.
ITIC's Operating Margin has declined in the last couple of years.
| 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
ITIC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.
Compared to 1 year ago, ITIC has a worse debt to assets ratio.
2.2 Solvency
ITIC has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
ITIC has a better Debt to FCF ratio (0.01) than 95.27% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that ITIC is not too dependend on debt financing.
ITIC's Debt to Equity ratio of 0.00 is amongst the best of the industry. ITIC outperforms 91.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | N/A |
ROIC/WACC1.3
WACC8.78%
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.
The Earnings Per Share has been decreasing by -0.20% on average over the past years.
The Revenue has grown by 13.44% in the past year. This is quite good.
The Revenue has been growing by 8.33% on average over the past years. This is quite good.
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
The Price/Earnings ratio is 13.17, which indicates a correct valuation of ITIC.
Compared to the rest of the industry, the Price/Earnings ratio of ITIC is on the same level as its industry peers.
ITIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ITIC.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ITIC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.55 | ||
| EV/EBITDA | 9.05 |
4.3 Compensation for Growth
The decent profitability rating of ITIC 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 0.71%, which is pretty low.
ITIC's Dividend Yield is slightly below the industry average, which is at 2.30.
Compared to an average S&P500 Dividend Yield of 1.88, ITIC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
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.
The dividend of ITIC decreased 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
250.3
-1.66 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.82%
Inst Owner Change-1.04%
Ins Owners15.49%
Ins Owner Change0%
Market Cap473.07M
Revenue(TTM)273.87M
Net Income(TTM)36.02M
Analysts0
Price TargetN/A
Short Float %4.14%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
Yearly Dividend15.81
Dividend Growth(5Y)10.63%
DP82.91%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | N/A | ||
| P/S | 1.73 | ||
| P/FCF | 14.55 | ||
| P/OCF | 12.42 | ||
| P/B | 1.7 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | 9.05 |
EPS(TTM)19
EY7.59%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)17.2
FCFY6.87%
OCF(TTM)20.15
OCFY8.05%
SpS144.9
BVpS147.1
TBVpS140.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number250.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.92% | ||
| ROE | 12.96% | ||
| ROCE | 14.16% | ||
| ROIC | 11.43% | ||
| ROICexc | 12.29% | ||
| ROICexgc | 13.37% | ||
| OM | 16.71% | ||
| PM (TTM) | 13.15% | ||
| GM | N/A | ||
| FCFM | 11.87% |
ROA(3y)7.64%
ROA(5y)11.41%
ROE(3y)10.29%
ROE(5y)15.96%
ROIC(3y)10.86%
ROIC(5y)13.58%
ROICexc(3y)12.08%
ROICexc(5y)15.12%
ROICexgc(3y)13.69%
ROICexgc(5y)17.08%
ROCE(3y)13.45%
ROCE(5y)16.83%
ROICexgc growth 3Y-21%
ROICexgc growth 5Y0.52%
ROICexc growth 3Y-20.19%
ROICexc growth 5Y0.34%
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
F-Score8
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | 0.01 | ||
| Cap/Depr | 126.16% | ||
| Cap/Sales | 2.04% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 75.92% | ||
| Profit Quality | 90.25% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.78%
ROIC/WACC1.3
Cap/Depr(3y)182.2%
Cap/Depr(5y)191.38%
Cap/Sales(3y)2.94%
Cap/Sales(5y)2.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.79%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%31.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.44%
Revenue growth 3Y-6.35%
Revenue growth 5Y8.33%
Sales Q2Q%6.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.96%
EBIT growth 3Y-17.34%
EBIT growth 5Y6.03%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3680.47%
FCF growth 3Y-20.96%
FCF growth 5Y2.9%
OCF growth 1Y314.95%
OCF growth 3Y-16.86%
OCF growth 5Y7.36%
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 of INVESTORS TITLE CO (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.
How sustainable is the dividend of INVESTORS TITLE CO (ITIC) stock?
The dividend rating of INVESTORS TITLE CO (ITIC) is 3 / 10 and the dividend payout ratio is 82.91%.