INVESTORS TITLE CO (ITIC) Fundamental Analysis & Valuation

NASDAQ:ITIC • US4618041069

Current stock price

234.83 USD
-1.95 (-0.82%)
Last:

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.
  • 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.
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

  • ITIC has a Return On Assets of 9.69%. This is amongst the best in the industry. ITIC outperforms 94.56% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.11%, ITIC is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 11.19%, ITIC belongs to the top of the industry, outperforming 91.84% of the companies in the same industry.
  • ITIC had an Average Return On Invested Capital over the past 3 years of 9.65%. This is in line with the industry average of 9.60%.
  • The 3 year average ROIC (9.65%) for ITIC is below the current ROIC(11.19%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.69%
ROE 13.11%
ROIC 11.19%
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

  • ITIC's Profit Margin of 12.90% is fine compared to the rest of the industry. ITIC outperforms 67.35% of its industry peers.
  • In the last couple of years the Profit Margin of ITIC has declined.
  • The Operating Margin of ITIC (16.33%) is better than 65.99% of its industry peers.
  • ITIC's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 16.33%
PM (TTM) 12.9%
GM N/A
OM growth 3Y-0.9%
OM growth 5Y-3.5%
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

  • 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 about the same amount of shares outstanding.
  • The number of shares outstanding for ITIC has been reduced compared to 5 years ago.
  • ITIC has a better debt/assets ratio than last year.
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

  • 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 94.56% of its industry peers.
  • A Debt/Equity ratio of 0.00 indicates that ITIC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.00, ITIC belongs to the top of the industry, outperforming 91.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACC1.24
WACC9.02%
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 13.15% over the past year.
  • ITIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.18% yearly.
  • ITIC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.57%.
  • ITIC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.29% yearly.
EPS 1Y (TTM)13.15%
EPS 3Y13.82%
EPS 5Y-2.18%
EPS Q2Q%-9.68%
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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2

4. ITIC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.64 indicates a correct valuation of ITIC.
  • Compared to the rest of the industry, the Price/Earnings ratio of ITIC is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.64. ITIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.64
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

  • ITIC's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, ITIC is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.49
EV/EBITDA 8.65
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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2

5. ITIC Dividend Analysis

5.1 Amount

  • ITIC has a yearly dividend return of 0.78%, which is pretty low.
  • ITIC's Dividend Yield is slightly below the industry average, which is at 2.38.
  • With a Dividend Yield of 0.78, ITIC pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.78%

5.2 History

  • The dividend of ITIC decreases each year by -8.75%.
  • ITIC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-8.75%
Div Incr Years0
Div Non Decr Years0
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

  • 56.66% of the earnings are spent on dividend by ITIC. 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.
DP56.66%
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 (5/1/2026, 8:00:02 PM)

234.83

-1.95 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.02
Industry Growth89.44
Earnings (Last)05-01
Earnings (Next)08-04
Inst Owners54.79%
Inst Owner Change0.03%
Ins Owners15.54%
Ins Owner Change0.39%
Market Cap443.83M
Revenue(TTM)272.75M
Net Income(TTM)35.18M
Analysts0
Price TargetN/A
Short Float %3.13%
Short Ratio2.52
Dividend
Industry RankSector Rank
Dividend Yield 0.78%
Yearly Dividend10.56
Dividend Growth(5Y)-8.75%
DP56.66%
Div Incr Years0
Div Non Decr Years0
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 12.64
Fwd PE N/A
P/S 1.63
P/FCF 17.49
P/OCF 14.35
P/B 1.65
P/tB 1.81
EV/EBITDA 8.65
EPS(TTM)18.58
EY7.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)13.43
FCFY5.72%
OCF(TTM)16.37
OCFY6.97%
SpS144.31
BVpS141.96
TBVpS130.03
PEG (NY)N/A
PEG (5Y)N/A
Graham Number243.609 (3.74%)
Profitability
Industry RankSector Rank
ROA 9.69%
ROE 13.11%
ROCE 14.2%
ROIC 11.19%
ROICexc 11.99%
ROICexgc 13.59%
OM 16.33%
PM (TTM) 12.9%
GM N/A
FCFM 9.31%
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)11.77%
ROICexgc(5y)15.96%
ROCE(3y)12.24%
ROCE(5y)15.93%
ROICexgc growth 3Y-9.58%
ROICexgc growth 5Y-4.65%
ROICexc growth 3Y-9.24%
ROICexc growth 5Y-5.13%
OM growth 3Y-0.9%
OM growth 5Y-3.5%
PM growth 3Y17.99%
PM growth 5Y-5.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.75
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Debt/EBITDA 0.01
Cap/Depr 125.67%
Cap/Sales 2.04%
Interest Coverage 250
Cash Conversion 63.18%
Profit Quality 72.15%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.02%
ROIC/WACC1.24
Cap/Depr(3y)171.2%
Cap/Depr(5y)188.2%
Cap/Sales(3y)3%
Cap/Sales(5y)2.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.15%
EPS 3Y13.82%
EPS 5Y-2.18%
EPS Q2Q%-9.68%
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 1Y12.68%
EBIT growth 3Y-4.46%
EBIT growth 5Y-0.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.23%
FCF growth 3Y-5.96%
FCF growth 5Y-3.86%
OCF growth 1Y3.68%
OCF growth 3Y-5.1%
OCF growth 5Y-1.93%

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.


Can you provide the valuation status for INVESTORS TITLE CO?

ChartMill assigns a valuation rating of 2 / 10 to INVESTORS TITLE CO (ITIC). This can be considered as Overvalued.


How profitable is INVESTORS TITLE CO (ITIC) stock?

INVESTORS TITLE CO (ITIC) has a profitability rating of 6 / 10.


Is the dividend of INVESTORS TITLE CO sustainable?

The dividend rating of INVESTORS TITLE CO (ITIC) is 2 / 10 and the dividend payout ratio is 56.66%.