INVESTORS TITLE CO (ITIC) Fundamental Analysis & Valuation

NASDAQ:ITIC • US4618041069

Current stock price

230.55 USD
-3.33 (-1.42%)
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

  • 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.
  • ITIC had a positive operating cash flow in each 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

  • Looking at the Return On Assets, with a value of 9.69%, ITIC belongs to the top of the industry, outperforming 94.59% of the companies in the same industry.
  • ITIC's Return On Equity of 13.11% is fine compared to the rest of the industry. ITIC outperforms 65.54% of its industry peers.
  • ITIC's Return On Invested Capital of 11.19% is amongst the best of the industry. ITIC outperforms 91.89% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ITIC is in line with the industry average of 9.46%.
  • The last Return On Invested Capital (11.19%) for ITIC is above the 3 year average (9.65%), which is a sign of increasing profitability.
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 70.95% of its industry peers.
  • ITIC's Profit Margin has declined in the last couple of years.
  • ITIC's Operating Margin of 16.33% is fine compared to the rest of the industry. ITIC outperforms 66.22% of its industry peers.
  • In the last couple of years the Operating Margin of ITIC has declined.
Industry RankSector Rank
OM 16.33%
PM (TTM) 12.9%
GM N/A
OM growth 3Y-0.91%
OM growth 5Y-3.51%
PM growth 3Y17.97%
PM growth 5Y-5.36%
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.
  • Compared to 1 year ago, ITIC has about the same amount of shares outstanding.
  • Compared to 5 years ago, ITIC has less shares outstanding
  • Compared to 1 year ago, ITIC has an improved debt to assets ratio.
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 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.
  • The Debt to FCF ratio of ITIC (0.02) is better than 94.59% 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 91.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACC1.25
WACC8.94%
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.
  • The Earnings Per Share has been decreasing by -2.19% on average over the past years.
  • Looking at the last year, ITIC shows a small growth in Revenue. The Revenue has grown by 5.57% in the last year.
  • The Revenue has been growing slightly by 3.29% on average over the past years.
EPS 1Y (TTM)13.15%
EPS 3Y13.8%
EPS 5Y-2.19%
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

  • Based on the Price/Earnings ratio of 12.41, the valuation of ITIC can be described as correct.
  • ITIC's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, ITIC is valued rather cheaply.
Industry RankSector Rank
PE 12.41
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.
  • ITIC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ITIC is more expensive than 65.54% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.17
EV/EBITDA 8.61
ITIC Per share dataITIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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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2

5. ITIC Dividend Analysis

5.1 Amount

  • ITIC has a yearly dividend return of 0.79%, which is pretty low.
  • ITIC's Dividend Yield is slightly below the industry average, which is at 2.55.
  • Compared to an average S&P500 Dividend Yield of 1.89, ITIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.79%

5.2 History

  • The dividend of ITIC decreases each year by -8.75%.
  • ITIC has been paying a dividend for at least 10 years, so it has 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 (4/10/2026, 8:00:02 PM)

230.55

-3.33 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17
Earnings (Next)05-01
Inst Owners54.79%
Inst Owner Change0%
Ins Owners15.54%
Ins Owner Change0.39%
Market Cap435.74M
Revenue(TTM)272.75M
Net Income(TTM)35.18M
Analysts0
Price TargetN/A
Short Float %3.46%
Short Ratio3.08
Dividend
Industry RankSector Rank
Dividend Yield 0.79%
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 12.41
Fwd PE N/A
P/S 1.6
P/FCF 17.17
P/OCF 14.08
P/B 1.62
P/tB 1.77
EV/EBITDA 8.61
EPS(TTM)18.58
EY8.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)13.43
FCFY5.83%
OCF(TTM)16.37
OCFY7.1%
SpS144.31
BVpS141.96
TBVpS130.03
PEG (NY)N/A
PEG (5Y)N/A
Graham Number243.61
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)10.45%
ROICexc(5y)14.05%
ROICexgc(3y)11.77%
ROICexgc(5y)15.96%
ROCE(3y)12.24%
ROCE(5y)15.93%
ROICexgc growth 3Y-9.59%
ROICexgc growth 5Y-4.65%
ROICexc growth 3Y-9.26%
ROICexc growth 5Y-5.13%
OM growth 3Y-0.91%
OM growth 5Y-3.51%
PM growth 3Y17.97%
PM growth 5Y-5.36%
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
WACC8.94%
ROIC/WACC1.25
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 3Y13.8%
EPS 5Y-2.19%
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-4.47%
EBIT growth 5Y-0.33%
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%.