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INVESTORS TITLE CO (ITIC) Stock Fundamental Analysis

NASDAQ:ITIC - Nasdaq - US4618041069 - Common Stock - Currency: USD

231.82  +1.1 (+0.48%)

Fundamental Rating

4

ITIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. ITIC has only an average score on both its financial health and profitability. ITIC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year ITIC was profitable.
In the past year ITIC had a positive cash flow from operations.
ITIC had positive earnings in each of the past 5 years.
Of the past 5 years ITIC 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

ITIC's Return On Assets of 8.11% is amongst the best of the industry. ITIC outperforms 95.83% of its industry peers.
Looking at the Return On Equity, with a value of 10.52%, ITIC is in line with its industry, outperforming 51.39% of the companies in the same industry.
ITIC's Return On Invested Capital of 9.03% is amongst the best of the industry. ITIC outperforms 92.36% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ITIC is significantly above the industry average of 4.57%.
Industry RankSector Rank
ROA 8.11%
ROE 10.52%
ROIC 9.03%
ROA(3y)7.64%
ROA(5y)11.41%
ROE(3y)10.29%
ROE(5y)15.96%
ROIC(3y)10.86%
ROIC(5y)13.58%
ITIC Yearly ROA, ROE, ROICITIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

With a decent Profit Margin value of 11.82%, ITIC is doing good in the industry, outperforming 69.44% of the companies in the same industry.
ITIC's Profit Margin has declined in the last couple of years.
ITIC has a Operating Margin of 14.47%. This is in the better half of the industry: ITIC outperforms 62.50% of its industry peers.
ITIC's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.47%
PM (TTM) 11.82%
GM N/A
OM growth 3Y-11.78%
OM growth 5Y-2.15%
PM growth 3Y-17.34%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
ITIC Yearly Profit, Operating, Gross MarginsITIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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5

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.
Compared to 1 year ago, ITIC has less shares outstanding
Compared to 5 years ago, ITIC has less shares outstanding
There is no outstanding debt for ITIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ITIC Yearly Shares OutstandingITIC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M
ITIC Yearly Total Debt VS Total AssetsITIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

ITIC has a debt to FCF ratio of 0.03. This is a very positive value and a sign of high solvency as it would only need 0.03 years to pay back of all of its debts.
ITIC has a Debt to FCF ratio of 0.03. This is amongst the best in the industry. ITIC outperforms 95.14% 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 90.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.03
Altman-Z N/A
ROIC/WACC1.01
WACC8.95%
ITIC Yearly LT Debt VS Equity VS FCFITIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

ITIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.40%, 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.
The Revenue has grown by 11.49% in the past year. This is quite good.
The Revenue has been growing by 8.32% on average over the past years. This is quite good.
EPS 1Y (TTM)43.4%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%42.83%
Revenue 1Y (TTM)11.49%
Revenue growth 3Y-6.36%
Revenue growth 5Y8.32%
Sales Q2Q%31.57%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
ITIC Yearly EPS VS EstimatesITIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.11, which indicates a correct valuation of ITIC.
ITIC's Price/Earnings ratio is in line with the industry average.
ITIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
Industry RankSector Rank
PE 14.11
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 18.89
EV/EBITDA 10.48
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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3

5. Dividend

5.1 Amount

With a yearly dividend of 0.80%, ITIC is not a good candidate for dividend investing.
ITIC's Dividend Yield is slightly below the industry average, which is at 3.17.
Compared to an average S&P500 Dividend Yield of 2.33, ITIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.8%

5.2 History

The dividend of ITIC decreases each year by -13.61%.
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)-13.61%
Div Incr Years2
Div Non Decr Years2
ITIC Yearly Dividends per shareITIC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

5.3 Sustainability

38.63% of the earnings are spent on dividend by ITIC. This is a low number and sustainable payout ratio.
ITIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP38.63%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
ITIC Dividend Payout.ITIC Dividend Payout, showing the Payout Ratio.ITIC Dividend Payout.PayoutRetained Earnings

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INVESTORS TITLE CO

NASDAQ:ITIC (3/7/2025, 8:00:02 PM)

231.82

+1.1 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-18 2025-02-18
Earnings (Next)05-01 2025-05-01
Inst Owners51.49%
Inst Owner Change0.59%
Ins Owners15.89%
Ins Owner Change0.23%
Market Cap438.14M
Analysts0
Price TargetN/A
Short Float %1.63%
Short Ratio2.14
Dividend
Industry RankSector Rank
Dividend Yield 0.8%
Yearly Dividend5.83
Dividend Growth(5Y)-13.61%
DP38.63%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
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 14.11
Fwd PE N/A
P/S 1.81
P/FCF 18.89
P/OCF 13.76
P/B 1.61
P/tB 1.72
EV/EBITDA 10.48
EPS(TTM)16.43
EY7.09%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)12.27
FCFY5.29%
OCF(TTM)16.85
OCFY7.27%
SpS127.74
BVpS143.55
TBVpS134.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 8.11%
ROE 10.52%
ROCE 11.18%
ROIC 9.03%
ROICexc 9.83%
ROICexgc 10.93%
OM 14.47%
PM (TTM) 11.82%
GM N/A
FCFM 9.61%
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)16.82%
ROICexcg growth 3Y-21.01%
ROICexcg growth 5Y0.51%
ROICexc growth 3Y-20.2%
ROICexc growth 5Y0.33%
OM growth 3Y-11.78%
OM growth 5Y-2.15%
PM growth 3Y-17.34%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.69
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.03
Debt/EBITDA 0.01
Cap/Depr 191.09%
Cap/Sales 3.58%
Interest Coverage 250
Cash Conversion 80.69%
Profit Quality 81.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.95%
ROIC/WACC1.01
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)43.4%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%42.83%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.49%
Revenue growth 3Y-6.36%
Revenue growth 5Y8.32%
Sales Q2Q%31.57%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y1.12%
EBIT growth 3Y-17.39%
EBIT growth 5Y5.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2597.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y246.81%
OCF growth 3YN/A
OCF growth 5YN/A