(ITIC) Investors Title - Overview
Stock: Title Insurance, Reinsurance, Exchange Services, Investment Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.08% |
| Yield on Cost 5y | 4.82% |
| Yield CAGR 5y | -14.56% |
| Payout Consistency | 93.2% |
| Payout Ratio | 72.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.8% |
| Relative Tail Risk | -0.75% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.75 |
| Alpha | 13.77 |
| Character TTM | |
|---|---|
| Beta | 0.819 |
| Beta Downside | 0.504 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.89% |
| CAGR/Max DD | 0.96 |
Description: ITIC Investors Title December 28, 2025
Investors Title Company (NASDAQ: ITIC) underwrites residential and commercial title insurance, acting as a primary insurer for owners and mortgagees and reinsuring title risks from other carriers. It also operates as a qualified intermediary for 1031 like-kind exchanges, handling document preparation, fund custody, and reverse-exchange structures.
The firm delivers title insurance directly and through a network of agents across 22 states plus the District of Columbia, and it supplements its core business with investment-management, trust, and consulting services for establishing new title agencies.
Key industry drivers for ITIC include U.S. residential mortgage origination volumes (which fell ~7% YoY in Q3 2024) and interest-rate movements that affect refinancing activity; the title-insurance sector typically sees a combined ratio around 95% and a loss-ratio sensitivity to housing-price volatility. ITIC reported $215 million in revenue for FY 2024, with a 4.2% year-over-year increase in net premiums written, reflecting modest growth despite a tightening credit environment.
For a deeper, data-rich view of ITIC’s valuation and risk profile, consider exploring ValueRay’s analyst toolkit.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 36.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 2.36 > 1.0 |
| NWC/Revenue: 48.88% < 20% (prev 53.29%; Δ -4.41% < -1%) |
| CFO/TA 0.10 > 3% & CFO 38.1m > Net Income 36.0m |
| Net Debt (-15.1m) to EBITDA (47.9m): -0.32 < 3 |
| Current Ratio: 111.5 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.90m) vs 12m ago 0.16% < -2% |
| Gross Margin: 81.23% > 18% (prev 0.71%; Δ 8052 % > 0.5%) |
| Asset Turnover: 76.57% > 50% (prev 68.57%; Δ 8.00% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
Altman Z'' 9.18
| A: 0.37 (Total Current Assets 135.1m - Total Current Liabilities 1.21m) / Total Assets 363.3m |
| B: 0.76 (Retained Earnings 276.9m / Total Assets 363.3m) |
| C: 0.13 (EBIT TTM 45.8m / Avg Total Assets 357.7m) |
| D: 3.26 (Book Value of Equity 278.0m / Total Liabilities 85.3m) |
| Altman-Z'' Score: 9.18 = AAA |
Beneish M -3.04
| DSRI: 1.03 (Receivables 19.2m/16.4m, Revenue 273.9m/241.4m) |
| GMI: 0.87 (GM 81.23% / 70.83%) |
| AQI: 0.98 (AQ_t 0.53 / AQ_t-1 0.54) |
| SGI: 1.13 (Revenue 273.9m / 241.4m) |
| TATA: -0.01 (NI 36.0m - CFO 38.1m) / TA 363.3m) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of ITIC shares?
Over the past week, the price has changed by +7.65%, over one month by +9.00%, over three months by +5.18% and over the past year by +26.30%.
Is ITIC a buy, sell or hold?
What are the forecasts/targets for the ITIC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 39 | -86% |
| Analysts Target Price | 39 | -86% |
| ValueRay Target Price | 335.6 | 20.2% |
ITIC Fundamental Data Overview February 04, 2026
P/S = 1.8713
P/B = 1.7613
Revenue TTM = 273.9m USD
EBIT TTM = 45.8m USD
EBITDA TTM = 47.9m USD
Long Term Debt = 7.62m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 2.25m USD (from shortTermDebt, last fiscal year)
Debt = 7.62m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -15.1m USD (from netDebt column, last quarter)
Enterprise Value = 378.0m USD (512.5m + Debt 7.62m - CCE 142.1m)
Interest Coverage Ratio = unknown (Ebit TTM 45.8m / Interest Expense TTM 0.0)
EV/FCF = 11.63x (Enterprise Value 378.0m / FCF TTM 32.5m)
FCF Yield = 8.60% (FCF TTM 32.5m / Enterprise Value 378.0m)
FCF Margin = 11.87% (FCF TTM 32.5m / Revenue TTM 273.9m)
Net Margin = 13.15% (Net Income TTM 36.0m / Revenue TTM 273.9m)
Gross Margin = 81.23% ((Revenue TTM 273.9m - Cost of Revenue TTM 51.4m) / Revenue TTM)
Gross Margin QoQ = none% (prev 65.81%)
Tobins Q-Ratio = 1.04 (Enterprise Value 378.0m / Total Assets 363.3m)
Interest Expense / Debt = 12.74% (Interest Expense 971.0k / Debt 7.62m)
Taxrate = 19.06% (2.88m / 15.1m)
NOPAT = 37.0m (EBIT 45.8m * (1 - 19.06%))
Current Ratio = 111.5 (out of range, set to none) (Total Current Assets 135.1m / Total Current Liabilities 1.21m)
Debt / Equity = 0.03 (Debt 7.62m / totalStockholderEquity, last quarter 278.0m)
Debt / EBITDA = -0.32 (Net Debt -15.1m / EBITDA 47.9m)
Debt / FCF = -0.47 (Net Debt -15.1m / FCF TTM 32.5m)
Total Stockholder Equity = 262.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 10.07% (Net Income 36.0m / Total Assets 363.3m)
RoE = 13.72% (Net Income TTM 36.0m / Total Stockholder Equity 262.6m)
RoCE = 16.93% (EBIT 45.8m / Capital Employed (Equity 262.6m + L.T.Debt 7.62m))
RoIC = 14.10% (NOPAT 37.0m / Invested Capital 262.6m)
WACC = 8.95% (E(512.5m)/V(520.1m) * Re(8.93%) + D(7.62m)/V(520.1m) * Rd(12.74%) * (1-Tc(0.19)))
Discount Rate = 8.93% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.13%
[DCF Debug] Terminal Value 70.82% ; FCFF base≈28.8m ; Y1≈23.3m ; Y5≈16.3m
Fair Price DCF = 142.7 (EV 254.3m - Net Debt -15.1m = Equity 269.4m / Shares 1.89m; r=8.95% [WACC]; 5y FCF grow -22.68% → 2.90% )
EPS Correlation: 16.95 | EPS CAGR: -10.90% | SUE: N/A | # QB: 0
Revenue Correlation: -20.37 | Revenue CAGR: -5.71% | SUE: N/A | # QB: 0