ITIC Fundamental Analysis - INVESTORS TITLE CO

Fundamental Rating

Taking everything into account, ITIC scores 4 out of 10 in our fundamental rating. ITIC was compared to 145 industry peers in the Insurance industry. ITIC scores excellent on profitability, but there are some minor concerns on its financial health. ITIC has a expensive valuation and it also scores bad on growth.

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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.

ITIC had positive earnings in each of the past 5 years.

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 96.60% of its industry peers.

The Return On Equity of ITIC (12.45%) is better than 60.54% of its industry peers.

ITIC has a better Return On Invested Capital (11.06%) than 95.92% of its industry peers.

The Average Return On Invested Capital over the past 3 years for ITIC is significantly above the industry average of 4.40%.

The last Return On Invested Capital (11.06%) for ITIC is above the 3 year average (10.86%), which is a sign of increasing profitability.

		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

The Profit Margin of ITIC (12.28%) is better than 72.79% of its industry peers.

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

ITIC's Operating Margin of 15.67% is fine compared to the rest of the industry. ITIC outperforms 68.71% 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

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ITIC is 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 Debt to FCF ratio of 0.02. This is amongst the best in the industry. ITIC outperforms 93.20% of its industry peers.

A Debt/Equity ratio of 0.00 indicates that ITIC is not too dependend on debt financing.

ITIC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. ITIC outperforms 90.48% of its industry peers.

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

ROIC/WACC1.28

WACC8.65%

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.

ITIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.20% yearly.

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

Based on the Price/Earnings ratio of 14.78, the valuation of ITIC can be described as correct.

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

ITIC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.40, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.78
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ITIC.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ITIC indicates a slightly more expensive valuation: ITIC is more expensive than 60.54% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.42
EV/EBITDA	9.82

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

ITIC has a yearly dividend return of 0.72%, which is pretty low.

Compared to an average industry Dividend Yield of 3.20, ITIC is paying slightly less dividend.

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	0.72%

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 (10/17/2025, 8:21:33 PM)

258.31

+3.05 (+1.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

Earnings (Next)10-30 2025-10-30

Inst Owners56.2%

Inst Owner Change-0.38%

Ins Owners15.49%

Ins Owner Change0%

Market Cap488.21M

Analysts0

Price TargetN/A

Short Float %3.97%

Short Ratio1.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.72%

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	14.78
Fwd PE	N/A
P/S	1.81
P/FCF	21.42
P/OCF	16.98
P/B	1.83
P/tB	1.92
EV/EBITDA	9.82

EPS(TTM)17.48

EY6.77%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)12.06

FCFY4.67%

OCF(TTM)15.21

OCFY5.89%

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

WACC8.65%

ROIC/WACC1.28

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