ITIC Fundamental Analysis - INVESTORS TITLE CO

Fundamental Rating

ITIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. ITIC scores excellent on profitability, but there are some minor concerns on its financial health. ITIC does not seem to be growing, but still is valued expensively.

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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.

Each year in the past 5 years ITIC has been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 9.58%, ITIC belongs to the top of the industry, outperforming 96.58% of the companies in the same industry.

With a decent Return On Equity value of 12.45%, ITIC is doing good in the industry, outperforming 60.27% of the companies in the same industry.

ITIC has a better Return On Invested Capital (11.06%) than 95.89% of its industry peers.

ITIC had an Average Return On Invested Capital over the past 3 years of 10.86%. This is significantly above the industry average of 4.47%.

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 72.60% of its industry peers.

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

ITIC has a better Operating Margin (15.67%) than 68.49% 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.

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

Compared to 5 years ago, ITIC has less shares outstanding

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.

ITIC has a better Debt to FCF ratio (0.02) than 92.47% 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 has a better Debt to Equity ratio (0.00) than 89.73% of its industry peers.

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

ROIC/WACC1.26

WACC8.77%

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

ITIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.39%, which is quite impressive.

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.

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

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)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

ITIC is valuated correctly with a Price/Earnings ratio of 14.54.

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

When comparing the Price/Earnings ratio of ITIC to the average of the S&P500 Index (27.38), we can say ITIC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	14.54
Fwd PE	N/A

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.

ITIC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ITIC is more expensive than 61.64% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.08
EV/EBITDA	9.65

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

With a yearly dividend of 0.71%, ITIC is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.44, ITIC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.38, ITIC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.71%

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.

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 90.16% 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.

DP90.16%

EPS Next 2YN/A

EPS Next 3YN/A

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INVESTORS TITLE CO

NASDAQ:ITIC (9/19/2025, 8:20:20 PM)

After market: 254.15 0 (0%)

254.15

-3.83 (-1.48%)

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 Change9.61%

Ins Owners15.5%

Ins Owner Change0%

Market Cap480.34M

Analysts0

Price TargetN/A

Short Float %4.09%

Short Ratio1.42

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.71%

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	14.54
Fwd PE	N/A
P/S	1.78
P/FCF	21.08
P/OCF	16.7
P/B	1.8
P/tB	1.89
EV/EBITDA	9.65

EPS(TTM)17.48

EY6.88%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)12.06

FCFY4.74%

OCF(TTM)15.21

OCFY5.99%

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

WACC8.77%

ROIC/WACC1.26

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