ITIC Fundamental Analysis - INVESTORS TITLE CO

Fundamental Rating

ITIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. ITIC has only an average score on both its financial health and profitability. ITIC has a expensive valuation and it also scores bad on growth.

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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 has a better Return On Assets (8.90%) than 98.61% of its industry peers.

With a Return On Equity value of 11.68%, ITIC perfoms like the industry average, outperforming 57.64% of the companies in the same industry.

ITIC has a Return On Invested Capital of 10.34%. This is amongst the best in the industry. ITIC outperforms 95.83% of its industry peers.

The Average Return On Invested Capital over the past 3 years for ITIC is significantly above the industry average of 4.08%.

		Industry Rank	Sector Rank
ROA	8.9%
ROE	11.68%
ROIC	10.34%

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 Profit Margin of 11.37%. This is in the better half of the industry: ITIC outperforms 71.53% of its industry peers.

ITIC's Profit Margin has declined in the last couple of years.

ITIC has a Operating Margin of 14.44%. This is in the better half of the industry: ITIC outperforms 65.97% of its industry peers.

ITIC's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	14.44%
PM (TTM)	11.37%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

ITIC has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, ITIC has less shares outstanding

Compared to 1 year ago, ITIC has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ITIC is 0.02, which is an excellent value as it means it would take ITIC, only 0.02 years of fcf income to pay off all of its debts.

ITIC has a Debt to FCF ratio of 0.02. This is amongst the best in the industry. ITIC outperforms 93.06% of its industry peers.

ITIC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

ITIC's Debt to Equity ratio of 0.00 is amongst the best of the industry. ITIC outperforms 89.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Altman-Z	N/A

ROIC/WACC1.13

WACC9.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.61% over the past year.

The Earnings Per Share has been decreasing by -0.20% on average over the past years.

Looking at the last year, ITIC shows a quite strong growth in Revenue. The Revenue has grown by 15.15% in the last year.

The Revenue has been growing by 8.33% on average over the past years. This is quite good.

EPS 1Y (TTM)18.61%

EPS 3Y-22.49%

EPS 5Y-0.2%

EPS Q2Q%-30.14%

Revenue 1Y (TTM)15.15%

Revenue growth 3Y-6.35%

Revenue growth 5Y8.33%

Sales Q2Q%5.81%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ITIC is valuated correctly with a Price/Earnings ratio of 13.73.

The rest of the industry has a similar Price/Earnings ratio as ITIC.

ITIC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.73
Fwd PE	N/A

4.2 Price Multiples

ITIC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ITIC is cheaper than 62.50% of the companies in the same industry.

64.58% of the companies in the same industry are cheaper than ITIC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	18.68
EV/EBITDA	8.83

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

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5. Dividend

5.1 Amount

ITIC has a yearly dividend return of 0.91%, which is pretty low.

Compared to an average industry Dividend Yield of 3.52, ITIC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.44, ITIC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.91%

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 100.49% 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.

DP100.49%

EPS Next 2YN/A

EPS Next 3YN/A

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INVESTORS TITLE CO

NASDAQ:ITIC (6/27/2025, 8:24:06 PM)

After market: 215.49 0 (0%)

215.49

+3.47 (+1.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-02 2025-05-02

Earnings (Next)08-04 2025-08-04

Inst Owners51.39%

Inst Owner Change0.92%

Ins Owners15.5%

Ins Owner Change0.08%

Market Cap407.28M

Analysts0

Price TargetN/A

Short Float %1.96%

Short Ratio0.6

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.91%

Yearly Dividend15.81

Dividend Growth(5Y)10.63%

DP100.49%

Div Incr Years2

Div Non Decr Years2

Ex-Date06-13 2025-06-13 (0.46)

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	13.73
Fwd PE	N/A
P/S	1.56
P/FCF	18.68
P/OCF	14.38
P/B	1.6
P/tB	1.71
EV/EBITDA	8.83

EPS(TTM)15.7

EY7.29%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)11.54

FCFY5.35%

OCF(TTM)14.99

OCFY6.96%

SpS138.32

BVpS134.61

TBVpS125.93

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	8.9%
ROE	11.68%
ROCE	12.81%
ROIC	10.34%
ROICexc	11.41%
ROICexgc	12.68%
OM	14.44%
PM (TTM)	11.37%
GM	N/A
FCFM	8.34%

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%

ROICexcg growth 3Y-21%

ROICexcg 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-Score7

Asset Turnover0.78

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Debt/EBITDA	0.01
Cap/Depr	141.86%
Cap/Sales	2.5%
Interest Coverage	250
Cash Conversion	66.91%
Profit Quality	73.37%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC9.18%

ROIC/WACC1.13

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)18.61%

EPS 3Y-22.49%

EPS 5Y-0.2%

EPS Q2Q%-30.14%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)15.15%

Revenue growth 3Y-6.35%

Revenue growth 5Y8.33%

Sales Q2Q%5.81%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y23.09%

EBIT growth 3Y-17.34%

EBIT growth 5Y6.03%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y48.43%

FCF growth 3Y-20.96%

FCF growth 5Y2.9%

OCF growth 1Y30.18%

OCF growth 3Y-16.86%

OCF growth 5Y7.36%

INVESTORS TITLE CO (ITIC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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