ITIC Stock Analysis: Investors Title | NASDAQ
Insurance - Specialty | NASDAQ, USA | Market Cap: 565m USD | 12M Return: 25.4% | US4618041069 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 19.9M
EPS Trend: 97.9%
Rev. Trend: 95.6%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Investors Title Company (NASDAQ: ITIC) is a U.S.-based underwriter of residential and commercial title insurance, operating through two segments: Title Insurance and Exchange Services. The company issues land title policies directly and through agent networks, both as a primary insurer and as a reinsurer of title risks assumed from other title insurers. Beyond insurance, ITIC acts as a qualified intermediary for tax-deferred like-kind real property exchanges, provides reverse exchange accommodation titleholder services, and offers investment management, trust, and agency-consulting services. The company was founded in 1972 and is headquartered in Chapel Hill, North Carolina.
Title insurance is a specialized form of indemnity coverage that protects against financial loss from defects in real property titles, and unlike most insurance lines it covers risks stemming from past events rather than future uncertainties. The U.S. title insurance market is largely tied to residential and commercial real estate transaction volumes, and ITIC operates as a small-cap regional underwriter within a sector dominated by a few large national carriers.
- Mortgage rate volatility depresses residential title order volume
- Higher interest rates boost net investment income yields
- 1031 exchange activity drives Exchange Services segment growth
- Commercial title premiums pressured by competitive underwriting market
| Net Income: 40.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA 1.49 > 1.0 |
| NWC/Revenue: 21.08% < 20% (prev 49.04%; Δ -27.96% < -1%) |
| CFO/TA 0.08 > 3% & CFO 31.9m > Net Income 40.4m |
| Net Debt (-63.5m) to EBITDA (58.6m): -1.08 < 3 |
| Current Ratio: 2.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.89m) vs 12m ago 0.0% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 80.74% > 50% (prev 77.98%; Δ 2.76% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.16 (Total Current Assets 103.8m - Total Current Liabilities 42.1m) / Total Assets 380.1m |
| B: 0.75 (Retained Earnings 286.4m / Total Assets 380.1m) |
| C: 0.14 (EBIT TTM 51.9m / Avg Total Assets 363.0m) |
| D: 3.06 (Book Value of Equity 286.6m / Total Liabilities 93.6m) |
| Altman-Z'' = 7.70 = AAA |
| DSRI: 0.90 (Receivables 19.4m/19.8m, Revenue 293.1m/269.7m) |
| GMI: 0.71 (GM 69.53% / 98.14%) |
| AQI: 1.56 (AQ_t 0.65 / AQ_t-1 0.42) |
| SGI: 1.09 (Revenue 293.1m / 269.7m) |
| TATA: 0.02 (NI 40.4m - CFO 31.9m) / TA 380.1m) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of September 01, 2026, the stock is trading at USD 294.40 with a total of 78,582 shares traded. Over the past week, the price has changed by -1.09%, over one month by +1.77%, over three months by +25.79% and over the past year by +25.40%.
Current recommended Stop Loss: 273.60 (which is 7.1% or 2.5 ATR below the current price).
Investors Title has no consensus analysts rating.
| Analysts Target Price | 39 | -86.8% |
P/E Trailing = 14.0206
P/E Forward = 7.9114
P/S = 1.9291
P/B = 2.0096
P/EG = 1.9783
Revenue TTM = 293.1m USD
EBIT TTM = 51.9m USD
EBITDA TTM = 58.6m USD
Long Term Debt = 6.79m USD (estimated: total debt 8.72m - short term 1.93m)
Short Term Debt = 1.93m USD (from shortTermDebt, last quarter)
Debt = 8.72m USD (from shortLongTermDebtTotal, last quarter) (leases 8.69m already included)
Net Debt = -63.5m USD (calculated: Debt 8.72m - CCE 72.2m)
Enterprise Value = 501.7m USD (565.2m + Debt 8.72m - CCE 72.2m)
Interest Coverage Ratio = unknown (Ebit TTM 51.9m / Interest Expense TTM 0.0)
EV/FCF = 12.26x (Enterprise Value 501.7m / FCF TTM 40.9m)
FCF Yield = 8.16% (FCF TTM 40.9m / Enterprise Value 501.7m)
FCF Margin = 13.96% (FCF TTM 40.9m / Revenue TTM 293.1m)
Net Margin = 13.80% (Net Income TTM 40.4m / Revenue TTM 293.1m)
Gross Margin = unknown ((Revenue TTM 293.1m - Cost of Revenue TTM 5.46m) / Revenue TTM)
Tobins Q-Ratio = 1.32 (Enterprise Value 501.7m / Total Assets 380.1m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 8.72m)
Taxrate = 22.04% (11.4m / 51.9m)
NOPAT = 40.4m (EBIT 51.9m * (1 - 22.04%))
Current Ratio = 1.29 (Total Current Assets 103.8m / Total Current Liabilities 80.4m)
Debt / Equity = 0.03 (Debt 8.72m / totalStockholderEquity, last quarter 286.6m)
Debt / EBITDA = -1.08 (Net Debt -63.5m / EBITDA 58.6m)
Debt / FCF = -1.55 (Net Debt -63.5m / FCF TTM 40.9m)
Total Stockholder Equity = 276.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 11.14% (Net Income 40.4m / Total Assets 380.1m)
RoE = 14.63% (Net Income TTM 40.4m / Total Stockholder Equity 276.4m)
RoCE = 18.31% (EBIT 51.9m / Capital Employed (Equity 276.4m + L.T.Debt 6.79m))
RoIC = 11.09% (NOPAT 40.4m / Invested Capital 364.6m)
WACC = 6.42% (E(565.2m)/V(573.9m) * Re(6.52%) + D(8.72m)/V(573.9m) * Rd(0.0%) * (1-Tc(0.22)))
Discount Rate = 6.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 62.59 | Cagr: 0.12%
[DCF] Terminal Value 77.97% ; FCFF base≈37.4m ; Y1≈42.9m ; Y5≈63.1m
[DCF] Fair Price = 536.4 (EV 949.3m - Net Debt -63.5m = Equity 1.01b / Shares 1.89m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.86 | EPS CAGR: 24.08% | SUE: N/A | # QB: 0
Revenue Correlation: 95.61 | Revenue CAGR: 9.92% | SUE: N/A | # QB: 0