Chemicals - Specialty
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IOSP vs ITIC
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Specialty
IOSP vs ITIC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Chemicals - Specialty | Insurance - Specialty |
| Market Cap | $1.92B | $444M |
| Revenue (TTM) | $1.78B | $273M |
| Net Income (TTM) | $117M | $35M |
| Gross Margin | 27.7% | 90.0% |
| Operating Margin | 8.7% | 16.3% |
| Forward P/E | 15.7x | 38.7x |
| Total Debt | $90M | $16M |
| Cash & Equiv. | $293M | $21M |
IOSP vs ITIC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Innospec Inc. (IOSP) | 100 | 100.8 | +0.8% |
| Investors Title Com… (ITIC) | 100 | 186.6 | +86.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IOSP vs ITIC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
IOSP is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 12 yrs, beta 0.70, yield 2.2%
- Lower volatility, beta 0.70, Low D/E 6.3%, current ratio 2.79x
- Beta 0.70, yield 2.2%, current ratio 2.79x
ITIC carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 5.6%, EPS growth 13.1%, 3Y rev CAGR -1.3%
- 251.4% 10Y total return vs IOSP's 83.8%
- 5.6% revenue growth vs IOSP's -3.7%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 5.6% revenue growth vs IOSP's -3.7% | |
| Value | Lower P/E (15.7x vs 38.7x) | |
| Quality / Margins | 12.9% margin vs IOSP's 6.6% | |
| Stability / Safety | Beta 0.70 vs ITIC's 0.77 | |
| Dividends | 2.2% yield, 12-year raise streak, vs ITIC's 4.5% | |
| Momentum (1Y) | +2.4% vs IOSP's -14.2% | |
| Efficiency (ROA) | 10.0% ROA vs IOSP's 6.4%, ROIC 13.4% vs 10.7% |
IOSP vs ITIC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
IOSP vs ITIC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
ITIC leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
IOSP is the larger business by revenue, generating $1.8B annually — 6.5x ITIC's $273M. ITIC is the more profitable business, keeping 12.9% of every revenue dollar as net income compared to IOSP's 6.6%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $1.8B | $273M |
| EBITDAEarnings before interest/tax | $198M | $49M |
| Net IncomeAfter-tax profit | $117M | $35M |
| Free Cash FlowCash after capex | $88M | $25M |
| Gross MarginGross profit ÷ Revenue | +27.7% | +90.0% |
| Operating MarginEBIT ÷ Revenue | +8.7% | +16.3% |
| Net MarginNet income ÷ Revenue | +6.6% | +12.9% |
| FCF MarginFCF ÷ Revenue | +4.9% | +9.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | -2.4% | -1.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +167.7% | -10.2% |
Valuation Metrics
IOSP leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 12.7x trailing earnings, ITIC trades at a 24% valuation discount to IOSP's 16.6x P/E. On an enterprise value basis, IOSP's 8.4x EV/EBITDA is more attractive than ITIC's 9.0x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $1.9B | $444M |
| Enterprise ValueMkt cap + debt − cash | $1.7B | $440M |
| Trailing P/EPrice ÷ TTM EPS | 16.63x | 12.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.66x | 38.68x |
| PEG RatioP/E ÷ EPS growth rate | 0.52x | — |
| EV / EBITDAEnterprise value multiple | 8.37x | 8.98x |
| Price / SalesMarket cap ÷ Revenue | 1.08x | 1.63x |
| Price / BookPrice ÷ Book value/share | 1.37x | 1.66x |
| Price / FCFMarket cap ÷ FCF | 21.87x | 17.51x |
Profitability & Efficiency
ITIC leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
ITIC delivers a 13.2% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $8 for IOSP. ITIC carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to IOSP's 0.06x. On the Piotroski fundamental quality scale (0–9), IOSP scores 6/9 vs ITIC's 4/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +8.2% | +13.2% |
| ROA (TTM)Return on assets | +6.4% | +10.0% |
| ROICReturn on invested capital | +10.7% | +13.4% |
| ROCEReturn on capital employed | +11.0% | +12.8% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 0.06x | 0.06x |
| Net DebtTotal debt minus cash | -$203M | -$5M |
| Cash & Equiv.Liquid assets | $293M | $21M |
| Total DebtShort + long-term debt | $90M | $16M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (Dividends Reinvested)
ITIC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITIC five years ago would be worth $15,862 today (with dividends reinvested), compared to $8,250 for IOSP. Over the past 12 months, ITIC leads with a +2.4% total return vs IOSP's -14.2%. The 3-year compound annual growth rate (CAGR) favors ITIC at 23.0% vs IOSP's -5.8% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +1.8% | -4.4% |
| 1-Year ReturnPast 12 months | -14.2% | +2.4% |
| 3-Year ReturnCumulative with dividends | -16.3% | +86.1% |
| 5-Year ReturnCumulative with dividends | -17.5% | +58.6% |
| 10-Year ReturnCumulative with dividends | +83.8% | +251.4% |
| CAGR (3Y)Annualised 3-year return | -5.8% | +23.0% |
Risk & Volatility
Evenly matched — IOSP and ITIC each lead in 1 of 2 comparable metrics.
Risk & Volatility
IOSP is the less volatile stock with a 0.70 beta — it tends to amplify market swings less than ITIC's 0.77 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 0.77x |
| 52-Week HighHighest price in past year | $95.55 | $288.98 |
| 52-Week LowLowest price in past year | $65.58 | $190.20 |
| % of 52W HighCurrent price vs 52-week peak | +81.3% | +81.4% |
| RSI (14)Momentum oscillator 0–100 | 61.9 | 53.2 |
| Avg Volume (50D)Average daily shares traded | 223K | 18K |
Analyst Outlook
Evenly matched — IOSP and ITIC each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, ITIC offers the higher dividend yield at 4.47% vs IOSP's 2.18%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | — |
| Price TargetConsensus 12-month target | $115.00 | — |
| # AnalystsCovering analysts | 9 | — |
| Dividend YieldAnnual dividend ÷ price | +2.2% | +4.5% |
| Dividend StreakConsecutive years of raises | 12 | 0 |
| Dividend / ShareAnnual DPS | $1.70 | $10.52 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
ITIC leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). IOSP leads in 1 (Valuation Metrics). 2 tied.
IOSP vs ITIC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IOSP or ITIC a better buy right now?
For growth investors, Investors Title Company (ITIC) is the stronger pick with 5.
6% revenue growth year-over-year, versus -3. 7% for Innospec Inc. (IOSP). Investors Title Company (ITIC) offers the better valuation at 12. 7x trailing P/E (38. 7x forward), making it the more compelling value choice. Analysts rate Innospec Inc. (IOSP) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — IOSP or ITIC?
On trailing P/E, Investors Title Company (ITIC) is the cheapest at 12.
7x versus Innospec Inc. at 16. 6x. On forward P/E, Innospec Inc. is actually cheaper at 15. 7x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — IOSP or ITIC?
Over the past 5 years, Investors Title Company (ITIC) delivered a total return of +58.
6%, compared to -17. 5% for Innospec Inc. (IOSP). Over 10 years, the gap is even starker: ITIC returned +251. 4% versus IOSP's +83. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — IOSP or ITIC?
By beta (market sensitivity over 5 years), Innospec Inc.
(IOSP) is the lower-risk stock at 0. 70β versus Investors Title Company's 0. 77β — meaning ITIC is approximately 10% more volatile than IOSP relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 6% versus 6% for Innospec Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — IOSP or ITIC?
By revenue growth (latest reported year), Investors Title Company (ITIC) is pulling ahead at 5.
6% versus -3. 7% for Innospec Inc. (IOSP). On earnings-per-share growth, the picture is similar: Innospec Inc. grew EPS 228. 9% year-over-year, compared to 13. 1% for Investors Title Company. Over a 3-year CAGR, ITIC leads at -1. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — IOSP or ITIC?
Investors Title Company (ITIC) is the more profitable company, earning 12.
9% net margin versus 6. 6% for Innospec Inc. — meaning it keeps 12. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ITIC leads at 16. 3% versus 8. 8% for IOSP. At the gross margin level — before operating expenses — ITIC leads at 98. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is IOSP or ITIC more undervalued right now?
On forward earnings alone, Innospec Inc.
(IOSP) trades at 15. 7x forward P/E versus 38. 7x for Investors Title Company — 23. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — IOSP or ITIC?
All stocks in this comparison pay dividends.
Investors Title Company (ITIC) offers the highest yield at 4. 5%, versus 2. 2% for Innospec Inc. (IOSP).
09Is IOSP or ITIC better for a retirement portfolio?
For long-horizon retirement investors, Investors Title Company (ITIC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
77), 4. 5% yield, +251. 4% 10Y return). Both have compounded well over 10 years (ITIC: +251. 4%, IOSP: +83. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between IOSP and ITIC?
These companies operate in different sectors (IOSP (Basic Materials) and ITIC (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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