INVESTORS TITLE CO (ITIC)
US4618041069 - Common Stock
Overall ITIC gets a fundamental rating of 3 out of 10. We evaluated ITIC against 141 industry peers in the Insurance industry. There are concerns on the financial health of ITIC while its profitability can be described as average. 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.
In the past 5 years ITIC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of ITIC (6.56%) is better than 91.43% of its industry peers.
ITIC has a Return On Equity (8.62%) which is comparable to the rest of the industry.
ITIC has a Return On Invested Capital of 9.21%. This is amongst the best in the industry. ITIC outperforms 92.86% of its industry peers.
ITIC had an Average Return On Invested Capital over the past 3 years of 14.04%. This is significantly above the industry average of 4.07%.
The last Return On Invested Capital (9.21%) for ITIC is well below the 3 year average (14.04%), which needs to be investigated, but indicates that ITIC had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.56% | ||
| ROE | 8.62% | ||
| ROIC | 9.21% |
ROA(3y)11.27%
ROA(5y)11.93%
ROE(3y)15.93%
ROE(5y)16.78%
ROIC(3y)14.04%
ROIC(5y)13.53%
1.3 Margins
The Profit Margin of ITIC (9.36%) is better than 62.86% of its industry peers.
ITIC's Profit Margin has declined in the last couple of years.
ITIC's Operating Margin of 14.35% is fine compared to the rest of the industry. ITIC outperforms 63.57% of its industry peers.
ITIC's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.35% | ||
| PM (TTM) | 9.36% | ||
| GM | N/A |
OM growth 3Y-15.55%
OM growth 5Y-9.58%
PM growth 3Y-17.2%
PM growth 5Y-6.72%
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.
Compared to 1 year ago, ITIC has less shares outstanding
ITIC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ITIC has an improved debt to assets ratio.
2.2 Solvency
ITIC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.00, ITIC belongs to the best of the industry, outperforming 92.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.99
WACC9.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ITIC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.99%.
Measured over the past years, ITIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.15% on average per year.
The Revenue for ITIC has decreased by -23.85% in the past year. This is quite bad
Measured over the past years, ITIC shows a small growth in Revenue. The Revenue has been growing by 7.00% on average per year.
EPS 1Y (TTM)-8.99%
EPS 3Y-17.94%
EPS 5Y-0.15%
EPS growth Q2Q-22.22%
Revenue 1Y (TTM)-23.85%
Revenue growth 3Y-1.02%
Revenue growth 5Y7%
Revenue growth Q2Q-15.78%
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
Based on the Price/Earnings ratio of 14.15, the valuation of ITIC can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as ITIC.
When comparing the Price/Earnings ratio of ITIC to the average of the S&P500 Index (28.06), we can say ITIC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ITIC is valued a bit cheaper than 66.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.82 |
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 Yield of 1.13%.
Compared to an average industry Dividend Yield of 4.23, ITIC has a dividend in line with its industry peers.
With a Dividend Yield of 1.13, ITIC pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
5.2 History
The dividend of ITIC decreases each year by -13.61%.
ITIC has paid a dividend for at least 10 years, which is a reliable track record.
ITIC has decreased its dividend recently.
Dividend Growth(5Y)-13.61%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
ITIC pays out 50.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
ITIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP50.95%
EPS Next 2YN/A
EPS Next 3YN/A
INVESTORS TITLE CO
NASDAQ:ITIC (5/2/2024, 3:03:58 PM)
After market: 161.62 -0.56 (-0.35%)162.18
+0.1 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap353.55M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.56% | ||
| ROE | 8.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.35% | ||
| PM (TTM) | 9.36% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-8.99%
EPS 3Y-17.94%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-23.85%
Revenue growth 3Y-1.02%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y