ITIC Fundamental Analysis - INVESTORS TITLE CO

Fundamental Rating

Taking everything into account, ITIC scores 4 out of 10 in our fundamental rating. ITIC was compared to 142 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 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.

In the past year ITIC had a positive cash flow from operations.

ITIC had positive earnings in each of the past 5 years.

ITIC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of ITIC (8.90%) is better than 98.59% of its industry peers.

ITIC has a Return On Equity (11.68%) which is in line with its industry peers.

Looking at the Return On Invested Capital, with a value of 10.34%, ITIC belongs to the top of the industry, outperforming 95.77% 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 significantly above the industry average of 4.07%.

		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

Looking at the Profit Margin, with a value of 11.37%, ITIC is in the better half of the industry, outperforming 71.83% of the companies in the same industry.

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

The Operating Margin of ITIC (14.44%) is better than 65.49% of its industry peers.

In the last couple of years the Operating Margin of ITIC has declined.

		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.

The number of shares outstanding for ITIC has been reduced compared to 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.

The Debt to FCF ratio of ITIC (0.02) is better than 92.96% 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.

Looking at the Debt to Equity ratio, with a value of 0.00, ITIC belongs to the top of the industry, outperforming 90.14% of the companies in the same industry.

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

ROIC/WACC1.14

WACC9.09%

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.

The Revenue has grown by 15.15% in the past year. This is quite good.

ITIC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.33% yearly.

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

With a Price/Earnings ratio of 12.74, ITIC is valued correctly.

ITIC's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 26.46. ITIC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.74
Fwd PE	N/A

4.2 Price Multiples

ITIC's Enterprise Value to EBITDA ratio is in line with the industry average.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ITIC indicates a slightly more expensive valuation: ITIC is more expensive than 68.31% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	17.34
EV/EBITDA	9.26

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

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5. Dividend

5.1 Amount

With a yearly dividend of 0.79%, ITIC is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.09, ITIC is paying slightly less dividend.

With a Dividend Yield of 0.79, ITIC pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	0.79%

5.2 History

The dividend of ITIC is nicely growing with an annual growth rate of 10.63%!

ITIC has been paying a dividend for at least 10 years, so it has 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 100.49% of its income as dividend. This is not a sustainable payout ratio.

ITIC's earnings are declining while the Dividend Rate has been growing. 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 (6/3/2025, 4:04:16 PM)

After market: 200.03 0 (0%)

200.03

-21.72 (-9.79%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

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

Inst Owners51.49%

Inst Owner Change0.53%

Ins Owners15.89%

Ins Owner Change0.08%

Market Cap378.06M

Analysts0

Price TargetN/A

Short Float %1.58%

Short Ratio0.61

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.79%

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	12.74
Fwd PE	N/A
P/S	1.45
P/FCF	17.34
P/OCF	13.35
P/B	1.49
P/tB	1.59
EV/EBITDA	9.26

EPS(TTM)15.7

EY7.85%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)11.54

FCFY5.77%

OCF(TTM)14.99

OCFY7.49%

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

WACC9.09%

ROIC/WACC1.14

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

More info and screens