INVESTORS TITLE CO (ITIC) Fundamental Analysis & Valuation

NASDAQ:ITIC • US4618041069

Current stock price

220.185 USD
-6.13 (-2.71%)
At close:
220.185 USD
0 (0%)
After Hours:

This ITIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ITIC Profitability Analysis

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.
  • ITIC had a positive operating cash flow in 4 of the past 5 years.
ITIC Yearly Net Income VS EBIT VS OCF VS FCFITIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • The Return On Assets of ITIC (9.92%) is better than 95.27% of its industry peers.
  • With a decent Return On Equity value of 12.96%, ITIC is doing good in the industry, outperforming 64.19% of the companies in the same industry.
  • ITIC has a better Return On Invested Capital (11.17%) than 93.24% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ITIC is significantly below the industry average of 15.41%.
  • The last Return On Invested Capital (11.17%) for ITIC is above the 3 year average (9.65%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.92%
ROE 12.96%
ROIC 11.17%
ROA(3y)8.52%
ROA(5y)10.56%
ROE(3y)11.36%
ROE(5y)14.65%
ROIC(3y)9.65%
ROIC(5y)12.56%
ITIC Yearly ROA, ROE, ROICITIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • With a decent Profit Margin value of 13.15%, ITIC is doing good in the industry, outperforming 72.97% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ITIC has declined.
  • ITIC's Operating Margin of 16.71% is fine compared to the rest of the industry. ITIC outperforms 68.24% of its industry peers.
  • In the last couple of years the Operating Margin of ITIC has declined.
Industry RankSector Rank
OM 16.71%
PM (TTM) 13.15%
GM N/A
OM growth 3Y-0.91%
OM growth 5Y-3.51%
PM growth 3Y17.99%
PM growth 5Y-5.35%
GM growth 3YN/A
GM growth 5YN/A
ITIC Yearly Profit, Operating, Gross MarginsITIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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5

2. ITIC Health Analysis

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 remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for ITIC has been reduced compared to 5 years ago.
  • ITIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ITIC Yearly Shares OutstandingITIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500K 1M 1.5M
ITIC Yearly Total Debt VS Total AssetsITIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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 has a better Debt to Equity ratio (0.00) than 91.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACC1.26
WACC8.83%
ITIC Yearly LT Debt VS Equity VS FCFITIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ITIC Yearly Current Assets VS Current LiabilitesITIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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2

3. ITIC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.11% over the past year.
  • Measured over the past years, ITIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.18% on average per year.
  • The Revenue has been growing slightly by 5.57% in the past year.
  • The Revenue has been growing slightly by 3.29% on average over the past years.
EPS 1Y (TTM)13.11%
EPS 3Y13.82%
EPS 5Y-2.18%
EPS Q2Q%-9.82%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y-3.59%
Revenue growth 5Y3.29%
Sales Q2Q%-1.57%

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.
ITIC Yearly Revenue VS EstimatesITIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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3

4. ITIC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.86, the valuation of ITIC can be described as very reasonable.
  • ITIC's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.79, ITIC is valued rather cheaply.
Industry RankSector Rank
PE 11.86
Fwd PE N/A
ITIC Price Earnings VS Forward Price EarningsITIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ITIC is on the same level as its industry peers.
  • 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 RankSector Rank
P/FCF 12.8
EV/EBITDA 8.08
ITIC Per share dataITIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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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3

5. ITIC Dividend Analysis

5.1 Amount

  • ITIC has a yearly dividend return of 0.83%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.84, ITIC is paying slightly less dividend.
  • With a Dividend Yield of 0.83, ITIC pays less dividend than the S&P500 average, which is at 1.91.
Industry RankSector Rank
Dividend Yield 0.83%

5.2 History

  • The dividend of ITIC is nicely growing with an annual growth rate of 10.63%!
  • 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
ITIC Yearly Dividends per shareITIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

5.3 Sustainability

  • 82.91% 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.
DP82.91%
EPS Next 2YN/A
EPS Next 3YN/A
ITIC Yearly Income VS Free CF VS DividendITIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M
ITIC Dividend Payout.ITIC Dividend Payout, showing the Payout Ratio.ITIC Dividend Payout.PayoutRetained Earnings

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ITIC Fundamentals: All Metrics, Ratios and Statistics

INVESTORS TITLE CO

NASDAQ:ITIC (3/18/2026, 8:16:38 PM)

After market: 220.185 0 (0%)

220.185

-6.13 (-2.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17
Earnings (Next)05-06
Inst Owners54.71%
Inst Owner Change-2.06%
Ins Owners15.51%
Ins Owner Change0.21%
Market Cap416.15M
Revenue(TTM)272.75M
Net Income(TTM)36.02M
Analysts0
Price TargetN/A
Short Float %3.58%
Short Ratio3.07
Dividend
Industry RankSector Rank
Dividend Yield 0.83%
Yearly Dividend15.81
Dividend Growth(5Y)10.63%
DP82.91%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-23
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 RankSector Rank
PE 11.86
Fwd PE N/A
P/S 1.52
P/FCF 12.8
P/OCF 10.92
P/B 1.5
P/tB 1.56
EV/EBITDA 8.08
EPS(TTM)18.57
EY8.43%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)17.2
FCFY7.81%
OCF(TTM)20.15
OCFY9.15%
SpS144.9
BVpS147.1
TBVpS140.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number247.91
Profitability
Industry RankSector Rank
ROA 9.92%
ROE 12.96%
ROCE 14.16%
ROIC 11.17%
ROICexc 12.01%
ROICexgc 13.07%
OM 16.71%
PM (TTM) 13.15%
GM N/A
FCFM 11.87%
ROA(3y)8.52%
ROA(5y)10.56%
ROE(3y)11.36%
ROE(5y)14.65%
ROIC(3y)9.65%
ROIC(5y)12.56%
ROICexc(3y)10.46%
ROICexc(5y)14.05%
ROICexgc(3y)11.78%
ROICexgc(5y)15.96%
ROCE(3y)12.24%
ROCE(5y)15.93%
ROICexgc growth 3Y-9.56%
ROICexgc growth 5Y-4.64%
ROICexc growth 3Y-9.23%
ROICexc growth 5Y-5.12%
OM growth 3Y-0.91%
OM growth 5Y-3.51%
PM growth 3Y17.99%
PM growth 5Y-5.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.75
Health
Industry RankSector 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-Score9
WACC8.83%
ROIC/WACC1.26
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.11%
EPS 3Y13.82%
EPS 5Y-2.18%
EPS Q2Q%-9.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.57%
Revenue growth 3Y-3.59%
Revenue growth 5Y3.29%
Sales Q2Q%-1.57%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.96%
EBIT growth 3Y-4.47%
EBIT growth 5Y-0.33%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y19.65%
OCF growth 3YN/A
OCF growth 5YN/A

INVESTORS TITLE CO / ITIC Fundamental Analysis 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 for 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.


Can you provide the PE and PB ratios for ITIC stock?

The Price/Earnings (PE) ratio for INVESTORS TITLE CO (ITIC) is 11.86 and the Price/Book (PB) ratio is 1.5.


How financially healthy is INVESTORS TITLE CO?

The financial health rating of INVESTORS TITLE CO (ITIC) is 5 / 10.