ITIC Fundamental Analysis - INVESTORS TITLE CO

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ITIC. ITIC was compared to 141 industry peers in the Insurance industry. ITIC has an average financial health and profitability rating. ITIC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year ITIC was profitable.

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

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

ITIC has a Return On Assets of 9.58%. This is amongst the best in the industry. ITIC outperforms 98.58% of its industry peers.

ITIC has a Return On Equity of 12.45%. This is comparable to the rest of the industry: ITIC outperforms 59.57% of its industry peers.

Looking at the Return On Invested Capital, with a value of 11.06%, ITIC belongs to the top of the industry, outperforming 96.45% 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 4.08%.

The 3 year average ROIC (10.86%) for ITIC is below the current ROIC(11.06%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	9.58%
ROE	12.45%
ROIC	11.06%

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's Profit Margin of 12.28% is fine compared to the rest of the industry. ITIC outperforms 74.47% of its industry peers.

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

ITIC has a Operating Margin of 15.67%. This is in the better half of the industry: ITIC outperforms 71.63% of its industry peers.

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

		Industry Rank	Sector Rank
OM	15.67%
PM (TTM)	12.28%
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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ITIC is still creating some value.

Compared to 1 year ago, ITIC has less shares outstanding

The number of shares outstanding for ITIC has been reduced compared to 5 years ago.

ITIC has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of ITIC is 0.02, 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 92.20% 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.

With an excellent Debt to Equity ratio value of 0.00, ITIC belongs to the best of the industry, outperforming 90.07% of the companies in the same industry.

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

ROIC/WACC1.23

WACC8.96%

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 impressive 25.39% over the past year.

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.

Looking at the last year, ITIC shows a quite strong growth in Revenue. The Revenue has grown by 15.19% in the last year.

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)25.39%

EPS 3Y-22.49%

EPS 5Y-0.2%

EPS Q2Q%37.82%

Revenue 1Y (TTM)15.19%

Revenue growth 3Y-6.35%

Revenue growth 5Y8.33%

Sales Q2Q%12.61%

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

The Price/Earnings ratio is 14.11, which indicates a correct valuation of ITIC.

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

The average S&P500 Price/Earnings ratio is at 27.24. ITIC is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	14.11
Fwd PE	N/A

4.2 Price Multiples

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

63.83% 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	20.46
EV/EBITDA	8.99

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 0.77%, ITIC is not a good candidate for dividend investing.

ITIC's Dividend Yield is slightly below the industry average, which is at 3.59.

Compared to an average S&P500 Dividend Yield of 2.36, ITIC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.77%

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

90.16% of the earnings are spent on dividend by ITIC. 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.

DP90.16%

EPS Next 2YN/A

EPS Next 3YN/A

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INVESTORS TITLE CO

NASDAQ:ITIC (8/22/2025, 8:17:01 PM)

After market: 244 -2.67 (-1.08%)

246.67

+8.96 (+3.77%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-12 2025-08-12

Earnings (Next)11-03 2025-11-03

Inst Owners52.1%

Inst Owner Change9.74%

Ins Owners15.5%

Ins Owner Change0.08%

Market Cap466.21M

Analysts0

Price TargetN/A

Short Float %5.48%

Short Ratio1.44

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.77%

Yearly Dividend15.81

Dividend Growth(5Y)10.63%

DP90.16%

Div Incr Years2

Div Non Decr Years2

Ex-Date09-02 2025-09-02 (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	14.11
Fwd PE	N/A
P/S	1.73
P/FCF	20.46
P/OCF	16.21
P/B	1.75
P/tB	1.84
EV/EBITDA	8.99

EPS(TTM)17.48

EY7.09%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)12.06

FCFY4.89%

OCF(TTM)15.21

OCFY6.17%

SpS142.68

BVpS140.83

TBVpS134.37

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	9.58%
ROE	12.45%
ROCE	13.7%
ROIC	11.06%
ROICexc	12.24%
ROICexgc	13.45%
OM	15.67%
PM (TTM)	12.28%
GM	N/A
FCFM	8.45%

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-Score8

Asset Turnover0.78

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Debt/EBITDA	0.01
Cap/Depr	133.19%
Cap/Sales	2.21%
Interest Coverage	250
Cash Conversion	61.53%
Profit Quality	68.79%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC8.96%

ROIC/WACC1.23

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)25.39%

EPS 3Y-22.49%

EPS 5Y-0.2%

EPS Q2Q%37.82%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)15.19%

Revenue growth 3Y-6.35%

Revenue growth 5Y8.33%

Sales Q2Q%12.61%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y31.75%

EBIT growth 3Y-17.34%

EBIT growth 5Y6.03%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y86.33%

FCF growth 3Y-20.96%

FCF growth 5Y2.9%

OCF growth 1Y40.41%

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