ITIC
Investors Title Company
Insurance - Specialty
Market Cap$448M
5Y Perf.+88.3%
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Stock Comparison
ITIC vs FNF
Revenue, margins, valuation, and 5-year total return — side by side.
FNF
Fidelity National Financial, Inc.
Insurance - Specialty
Market Cap$13.87B
5Y Perf.+66.9%
ITIC vs FNF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ITIC | FNF |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Specialty |
| Market Cap | $448M | $13.87B |
| Revenue (TTM) | $273M | $13.72B |
| Net Income (TTM) | $35M | $1.17B |
| Gross Margin | 90.0% | 53.3% |
| Operating Margin | 16.3% | 11.6% |
| Forward P/E | 39.0x | 8.9x |
| Total Debt | $16M | $4.71B |
| Cash & Equiv. | $21M | $3.41B |
ITIC vs FNF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ITIC
FNF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Investors Title Com… (ITIC) | 100 | 188.3 | +88.3% |
| Fidelity National F… (FNF) | 100 | 166.9 | +66.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ITIC vs FNF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ITIC leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and dividend income and shareholder returns. Fidelity National Financial, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
ITIC
Investors Title Company
The Insurance Pick
ITIC carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 253.5% 10Y total return vs FNF's 181.8%
- Combined ratio 0.8 vs FNF's 0.9 (lower = better underwriting)
- 4.4% yield, vs FNF's 3.8%
Best for: long-term compounding
FNF
Fidelity National Financial, Inc.
The Insurance Pick
FNF is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 9 yrs, beta 0.58, yield 3.8%
- Rev growth 15.9%, EPS growth 143.5%, 3Y rev CAGR -3.9%
- Lower volatility, beta 0.58, Low D/E 55.2%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FNF | 15.9% revenue growth vs ITIC's 5.6% |
| Value | FNF | Lower P/E (8.9x vs 39.0x) |
| Quality / Margins | ITIC | Combined ratio 0.8 vs FNF's 0.9 (lower = better underwriting) |
| Stability / Safety | FNF | Beta 0.58 vs ITIC's 0.77 |
| Dividends | ITIC | 4.4% yield, vs FNF's 3.8% |
| Momentum (1Y) | ITIC | +4.5% vs FNF's -17.6% |
| Efficiency (ROA) | ITIC | 10.0% ROA vs FNF's 1.1%, ROIC 13.4% vs 13.7% |
ITIC vs FNF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
ITIC vs FNF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLITICLAGGINGFNF
FNFFidelity National Fin…
1leads
ITICInvestors Title Compa…
2leads
6 Total Categories
CATEGORYLEADERvs FNFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
FNF6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ITIC6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ITIC6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
Evenly matched — ITIC and FNF each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FNF is the larger business by revenue, generating $13.7B annually — 50.3x ITIC's $273M. Profitability is closely matched — net margins range from 12.9% (ITIC) to 8.5% (FNF). On growth, FNF holds the edge at +11.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| RevenueTrailing 12 months | $273M | $13.7B |
| EBITDAEarnings before interest/tax | $49M | $2.4B |
| Net IncomeAfter-tax profit | $35M | $1.2B |
| Free Cash FlowCash after capex | $25M | $5.7B |
| Gross MarginGross profit ÷ Revenue | +90.0% | +53.3% |
| Operating MarginEBIT ÷ Revenue | +16.3% | +11.6% |
| Net MarginNet income ÷ Revenue | +12.9% | +8.5% |
| FCF MarginFCF ÷ Revenue | +9.3% | +41.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -1.6% | +11.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -10.2% | +37.1% |
Evenly matched — ITIC and FNF each lead in 3 of 6 comparable metrics.
Valuation Metrics
FNF leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 11.0x trailing earnings, FNF trades at a 14% valuation discount to ITIC's 12.8x P/E. On an enterprise value basis, FNF's 6.1x EV/EBITDA is more attractive than ITIC's 9.1x.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| Market CapShares × price | $448M | $13.9B |
| Enterprise ValueMkt cap + debt − cash | $443M | $15.2B |
| Trailing P/EPrice ÷ TTM EPS | 12.78x | 11.01x |
| Forward P/EPrice ÷ next-FY EPS est. | 39.01x | 8.85x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.78x |
| EV / EBITDAEnterprise value multiple | 9.06x | 6.11x |
| Price / SalesMarket cap ÷ Revenue | 1.64x | 1.04x |
| Price / BookPrice ÷ Book value/share | 1.68x | 1.64x |
| Price / FCFMarket cap ÷ FCF | 17.66x | 2.08x |
FNF leads this category, winning 6 of 6 comparable metrics.
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 $13 for FNF. ITIC carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to FNF's 0.55x. On the Piotroski fundamental quality scale (0–9), FNF scores 6/9 vs ITIC's 4/9, reflecting solid financial health.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| ROE (TTM)Return on equity | +13.2% | +12.5% |
| ROA (TTM)Return on assets | +10.0% | +1.1% |
| ROICReturn on invested capital | +13.4% | +13.7% |
| ROCEReturn on capital employed | +12.8% | +2.0% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.06x | 0.55x |
| Net DebtTotal debt minus cash | -$5M | $1.3B |
| Cash & Equiv.Liquid assets | $21M | $3.4B |
| Total DebtShort + long-term debt | $16M | $4.7B |
| Interest CoverageEBIT ÷ Interest expense | — | 7.66x |
ITIC leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
ITIC leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITIC five years ago would be worth $16,109 today (with dividends reinvested), compared to $13,701 for FNF. Over the past 12 months, ITIC leads with a +4.5% total return vs FNF's -17.6%. The 3-year compound annual growth rate (CAGR) favors ITIC at 22.7% vs FNF's 18.6% — a key indicator of consistent wealth creation.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| YTD ReturnYear-to-date | -3.5% | -4.8% |
| 1-Year ReturnPast 12 months | +4.5% | -17.6% |
| 3-Year ReturnCumulative with dividends | +84.7% | +67.0% |
| 5-Year ReturnCumulative with dividends | +61.1% | +37.0% |
| 10-Year ReturnCumulative with dividends | +253.5% | +181.8% |
| CAGR (3Y)Annualised 3-year return | +22.7% | +18.6% |
ITIC leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ITIC and FNF each lead in 1 of 2 comparable metrics.
Risk & Volatility
FNF is the less volatile stock with a 0.58 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. ITIC currently trades 82.2% from its 52-week high vs FNF's 78.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 0.58x |
| 52-Week HighHighest price in past year | $288.98 | $65.21 |
| 52-Week LowLowest price in past year | $190.20 | $42.78 |
| % of 52W HighCurrent price vs 52-week peak | +82.2% | +78.5% |
| RSI (14)Momentum oscillator 0–100 | 48.6 | 57.5 |
| Avg Volume (50D)Average daily shares traded | 18K | 1.9M |
Evenly matched — ITIC and FNF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ITIC and FNF each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, ITIC offers the higher dividend yield at 4.43% vs FNF's 3.81%.
| Metric | ITICInvestors Title C… | FNFFidelity National… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $67.00 |
| # AnalystsCovering analysts | — | 17 |
| Dividend YieldAnnual dividend ÷ price | +4.4% | +3.8% |
| Dividend StreakConsecutive years of raises | 0 | 9 |
| Dividend / ShareAnnual DPS | $10.52 | $1.95 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.2% |
Evenly matched — ITIC and FNF each lead in 1 of 2 comparable metrics.
Key Takeaway
ITIC leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). FNF leads in 1 (Valuation Metrics). 3 tied.
Best OverallInvestors Title Company (ITIC)Leads 2 of 6 categories
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ITIC vs FNF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ITIC or FNF a better buy right now?
For growth investors, Fidelity National Financial, Inc.
(FNF) is the stronger pick with 15. 9% revenue growth year-over-year, versus 5. 6% for Investors Title Company (ITIC). Fidelity National Financial, Inc. (FNF) offers the better valuation at 11. 0x trailing P/E (8. 9x forward), making it the more compelling value choice. Analysts rate Fidelity National Financial, Inc. (FNF) a "Buy" — based on 17 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 — ITIC or FNF?
On trailing P/E, Fidelity National Financial, Inc.
(FNF) is the cheapest at 11. 0x versus Investors Title Company at 12. 8x. On forward P/E, Fidelity National Financial, Inc. is actually cheaper at 8. 9x.
03Which is the better long-term investment — ITIC or FNF?
Over the past 5 years, Investors Title Company (ITIC) delivered a total return of +61.
1%, compared to +37. 0% for Fidelity National Financial, Inc. (FNF). Over 10 years, the gap is even starker: ITIC returned +253. 5% versus FNF's +181. 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 — ITIC or FNF?
By beta (market sensitivity over 5 years), Fidelity National Financial, Inc.
(FNF) is the lower-risk stock at 0. 58β versus Investors Title Company's 0. 77β — meaning ITIC is approximately 33% more volatile than FNF relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 6% versus 55% for Fidelity National Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — ITIC or FNF?
By revenue growth (latest reported year), Fidelity National Financial, Inc.
(FNF) is pulling ahead at 15. 9% versus 5. 6% for Investors Title Company (ITIC). On earnings-per-share growth, the picture is similar: Fidelity National Financial, Inc. grew EPS 143. 5% 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 — ITIC or FNF?
Investors Title Company (ITIC) is the more profitable company, earning 12.
9% net margin versus 9. 5% for Fidelity National Financial, 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 13. 0% for FNF. 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 ITIC or FNF more undervalued right now?
On forward earnings alone, Fidelity National Financial, Inc.
(FNF) trades at 8. 9x forward P/E versus 39. 0x for Investors Title Company — 30. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — ITIC or FNF?
All stocks in this comparison pay dividends.
Investors Title Company (ITIC) offers the highest yield at 4. 4%, versus 3. 8% for Fidelity National Financial, Inc. (FNF).
09Is ITIC or FNF better for a retirement portfolio?
For long-horizon retirement investors, Fidelity National Financial, Inc.
(FNF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 58), 3. 8% yield, +181. 8% 10Y return). Both have compounded well over 10 years (FNF: +181. 8%, ITIC: +253. 5%), 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 ITIC and FNF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: ITIC is a small-cap deep-value stock; FNF is a mid-cap high-growth stock. 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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Revenue Growth>
%
(ITIC: -1.6% · FNF: 11.9%)Net Margin>
%
(ITIC: 12.9% · FNF: 8.5%)P/E Ratio<
x
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