Insurance - Specialty
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ITIC vs ICE vs CME vs FNF
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Data & Stock Exchanges
Financial - Data & Stock Exchanges
Insurance - Specialty
ITIC vs ICE vs CME vs FNF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||
|---|---|---|---|---|
| Industry | Insurance - Specialty | Financial - Data & Stock Exchanges | Financial - Data & Stock Exchanges | Insurance - Specialty |
| Market Cap | $456M | $88.45B | $104.07B | $13.53B |
| Revenue (TTM) | $273M | $12.64B | $6.52B | $14.26B |
| Net Income (TTM) | $35M | $3.30B | $4.24B | $602M |
| Gross Margin | 90.0% | 61.9% | 86.1% | 65.1% |
| Operating Margin | 16.3% | 38.7% | 64.9% | 9.8% |
| Forward P/E | 39.7x | 19.5x | 23.5x | 8.7x |
| Total Debt | $8M | $20.28B | $3.76B | $4.77B |
| Cash & Equiv. | $21M | $837M | $4.42B | $2.38B |
ITIC vs ICE vs CME vs FNF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Investors Title Com… (ITIC) | 100 | 191.5 | +91.5% |
| Intercontinental Ex… (ICE) | 100 | 160.6 | +60.6% |
| CME Group Inc. (CME) | 100 | 157.1 | +57.1% |
| Fidelity National F… (FNF) | 100 | 164.0 | +64.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ITIC vs ICE vs CME vs FNF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
ITIC carries the broadest edge in this set and is the clearest fit for defensive.
- Beta 0.77, yield 4.4%, current ratio 2.93x
- 4.4% yield, vs ICE's 1.2%
- +5.5% vs FNF's -18.7%
- 10.0% ROA vs FNF's 0.6%, ROIC 13.7% vs 10.1%
ICE is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.33, Low D/E 69.9%, current ratio 1.02x
- Beta 0.33 vs ITIC's 0.77
CME is the clearest fit if your priority is long-term compounding and valuation efficiency.
- 284.9% 10Y total return vs ITIC's 257.8%
- PEG 1.71 vs ICE's 2.19
- 62.0% margin vs FNF's 4.2%
FNF is the #2 pick in this set and the best alternative if income & stability and growth exposure is your priority.
- Dividend streak 10 yrs, beta 0.58, yield 4.0%
- Rev growth 8.6%, EPS growth -52.5%, 3Y rev CAGR 8.2%
- 8.6% revenue growth vs ITIC's 5.6%
- Lower P/E (8.7x vs 19.5x)
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 8.6% revenue growth vs ITIC's 5.6% | |
| Value | Lower P/E (8.7x vs 19.5x) | |
| Quality / Margins | 62.0% margin vs FNF's 4.2% | |
| Stability / Safety | Beta 0.33 vs ITIC's 0.77 | |
| Dividends | 4.4% yield, vs ICE's 1.2% | |
| Momentum (1Y) | +5.5% vs FNF's -18.7% | |
| Efficiency (ROA) | 10.0% ROA vs FNF's 0.6%, ROIC 13.7% vs 10.1% |
ITIC vs ICE vs CME vs FNF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
ITIC vs ICE vs CME vs FNF — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
CME leads in 2 of 6 categories
FNF leads 1 • ITIC leads 1 • ICE leads 0 • 2 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
CME leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FNF is the larger business by revenue, generating $14.3B annually — 52.3x ITIC's $273M. CME is the more profitable business, keeping 62.0% of every revenue dollar as net income compared to FNF's 4.2%. On growth, FNF holds the edge at +15.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||||
|---|---|---|---|---|
| RevenueTrailing 12 months | $273M | $12.6B | $6.5B | $14.3B |
| EBITDAEarnings before interest/tax | $49M | $6.5B | $4.7B | $2.2B |
| Net IncomeAfter-tax profit | $35M | $3.3B | $4.2B | $602M |
| Free Cash FlowCash after capex | $25M | $4.3B | $4.4B | $6.0B |
| Gross MarginGross profit ÷ Revenue | +90.0% | +61.9% | +86.1% | +65.1% |
| Operating MarginEBIT ÷ Revenue | +16.3% | +38.7% | +64.9% | +9.8% |
| Net MarginNet income ÷ Revenue | +12.9% | +26.1% | +62.0% | +4.2% |
| FCF MarginFCF ÷ Revenue | +9.3% | +33.9% | +64.3% | +42.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -1.6% | — | — | +15.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -10.2% | +23.1% | +21.4% | -126.1% |
Valuation Metrics
FNF leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 13.0x trailing earnings, ITIC trades at a 52% valuation discount to ICE's 27.1x P/E. Adjusting for growth (PEG ratio), CME offers better value at 1.87x vs ICE's 3.05x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||||
|---|---|---|---|---|
| Market CapShares × price | $456M | $88.4B | $104.1B | $13.5B |
| Enterprise ValueMkt cap + debt − cash | $443M | $107.9B | $103.4B | $15.9B |
| Trailing P/EPrice ÷ TTM EPS | 13.00x | 27.06x | 25.70x | 22.75x |
| Forward P/EPrice ÷ next-FY EPS est. | 39.69x | 19.48x | 23.49x | 8.69x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.05x | 1.87x | — |
| EV / EBITDAEnterprise value multiple | 9.05x | 16.71x | 22.96x | 7.00x |
| Price / SalesMarket cap ÷ Revenue | 1.67x | 7.00x | 15.96x | 0.93x |
| Price / BookPrice ÷ Book value/share | 1.71x | 3.08x | 3.60x | 1.52x |
| Price / FCFMarket cap ÷ FCF | 17.96x | 20.62x | 24.82x | 2.12x |
Profitability & Efficiency
ITIC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CME delivers a 15.3% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $7 for FNF. ITIC carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to ICE's 0.70x. On the Piotroski fundamental quality scale (0–9), ICE scores 9/9 vs CME's 5/9, reflecting strong financial health.
| Metric | ||||
|---|---|---|---|---|
| ROE (TTM)Return on equity | +13.2% | +11.6% | +15.3% | +6.7% |
| ROA (TTM)Return on assets | +10.0% | +2.3% | +2.2% | +0.6% |
| ROICReturn on invested capital | +13.7% | +7.5% | +10.2% | +10.1% |
| ROCEReturn on capital employed | +15.0% | +9.5% | +3.6% | +1.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.03x | 0.70x | 0.13x | 0.53x |
| Net DebtTotal debt minus cash | -$13M | $19.4B | -$666M | $2.4B |
| Cash & Equiv.Liquid assets | $21M | $837M | $4.4B | $2.4B |
| Total DebtShort + long-term debt | $8M | $20.3B | $3.8B | $4.8B |
| Interest CoverageEBIT ÷ Interest expense | — | 6.53x | 41.55x | 6.77x |
Total Returns (Dividends Reinvested)
Evenly matched — ITIC and CME each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CME five years ago would be worth $16,450 today (with dividends reinvested), compared to $13,382 for FNF. Over the past 12 months, ITIC leads with a +5.5% total return vs FNF's -18.7%. The 3-year compound annual growth rate (CAGR) favors ITIC at 23.9% vs ICE's 14.7% — a key indicator of consistent wealth creation.
| Metric | ||||
|---|---|---|---|---|
| YTD ReturnYear-to-date | -1.9% | -2.1% | +9.1% | -6.4% |
| 1-Year ReturnPast 12 months | +5.5% | -10.4% | +4.6% | -18.7% |
| 3-Year ReturnCumulative with dividends | +90.4% | +50.8% | +71.4% | +63.6% |
| 5-Year ReturnCumulative with dividends | +58.7% | +43.4% | +64.5% | +33.8% |
| 10-Year ReturnCumulative with dividends | +257.8% | +225.3% | +284.9% | +170.1% |
| CAGR (3Y)Annualised 3-year return | +23.9% | +14.7% | +19.7% | +17.8% |
Risk & Volatility
CME leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CME is the less volatile stock with a -0.30 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. CME currently trades 87.1% from its 52-week high vs FNF's 77.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 0.33x | -0.30x | 0.58x |
| 52-Week HighHighest price in past year | $288.98 | $189.35 | $329.16 | $64.98 |
| 52-Week LowLowest price in past year | $190.20 | $143.17 | $257.17 | $42.78 |
| % of 52W HighCurrent price vs 52-week peak | +83.6% | +82.5% | +87.1% | +77.4% |
| RSI (14)Momentum oscillator 0–100 | 50.7 | 38.8 | 44.1 | 58.5 |
| Avg Volume (50D)Average daily shares traded | 18K | 3.0M | 2.2M | 1.9M |
Analyst Outlook
Evenly matched — ITIC and ICE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ICE as "Buy", CME as "Hold", FNF as "Buy". Consensus price targets imply 33.3% upside for FNF (target: $67) vs 11.6% for CME (target: $320). For income investors, ITIC offers the higher dividend yield at 4.36% vs ICE's 1.24%.
| Metric | ||||
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | — | $195.71 | $320.25 | $67.00 |
| # AnalystsCovering analysts | — | 36 | 35 | 17 |
| Dividend YieldAnnual dividend ÷ price | +4.4% | +1.2% | +3.8% | +4.0% |
| Dividend StreakConsecutive years of raises | 0 | 14 | 6 | 10 |
| Dividend / ShareAnnual DPS | $10.52 | $1.93 | $10.92 | $2.01 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.6% | +0.3% | +2.1% |
CME leads in 2 of 6 categories (Income & Cash Flow, Risk & Volatility). FNF leads in 1 (Valuation Metrics). 2 tied.
ITIC vs ICE vs CME vs FNF: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is ITIC or ICE or CME or FNF a better buy right now?
For growth investors, Fidelity National Financial, Inc.
(FNF) is the stronger pick with 8. 6% revenue growth year-over-year, versus 5. 6% for Investors Title Company (ITIC). Investors Title Company (ITIC) offers the better valuation at 13. 0x trailing P/E (39. 7x forward), making it the more compelling value choice. Analysts rate Intercontinental Exchange, Inc. (ICE) a "Buy" — based on 36 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 ICE or CME or FNF?
On trailing P/E, Investors Title Company (ITIC) is the cheapest at 13.
0x versus Intercontinental Exchange, Inc. at 27. 1x. On forward P/E, Fidelity National Financial, Inc. is actually cheaper at 8. 7x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: CME Group Inc. wins at 1. 71x versus Intercontinental Exchange, Inc. 's 2. 19x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — ITIC or ICE or CME or FNF?
Over the past 5 years, CME Group Inc.
(CME) delivered a total return of +64. 5%, compared to +33. 8% for Fidelity National Financial, Inc. (FNF). Over 10 years, the gap is even starker: CME returned +284. 9% versus FNF's +170. 1%. 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 ICE or CME or FNF?
By beta (market sensitivity over 5 years), CME Group Inc.
(CME) is the lower-risk stock at -0. 30β versus Investors Title Company's 0. 77β — meaning ITIC is approximately -352% more volatile than CME relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 3% versus 70% for Intercontinental Exchange, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — ITIC or ICE or CME or FNF?
By revenue growth (latest reported year), Fidelity National Financial, Inc.
(FNF) is pulling ahead at 8. 6% versus 5. 6% for Investors Title Company (ITIC). On earnings-per-share growth, the picture is similar: Intercontinental Exchange, Inc. grew EPS 20. 7% year-over-year, compared to -52. 5% for Fidelity National Financial, Inc.. Over a 3-year CAGR, FNF leads at 8. 2% 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 ICE or CME or FNF?
CME Group Inc.
(CME) is the more profitable company, earning 62. 0% net margin versus 4. 2% for Fidelity National Financial, Inc. — meaning it keeps 62. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CME leads at 64. 9% versus 9. 9% 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 ICE or CME or FNF more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, CME Group Inc. (CME) is the more undervalued stock at a PEG of 1. 71x versus Intercontinental Exchange, Inc. 's 2. 19x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Fidelity National Financial, Inc. (FNF) trades at 8. 7x forward P/E versus 39. 7x for Investors Title Company — 31. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FNF: 33. 3% to $67. 00.
08Which pays a better dividend — ITIC or ICE or CME or FNF?
All stocks in this comparison pay dividends.
Investors Title Company (ITIC) offers the highest yield at 4. 4%, versus 1. 2% for Intercontinental Exchange, Inc. (ICE).
09Is ITIC or ICE or CME or FNF better for a retirement portfolio?
For long-horizon retirement investors, CME Group Inc.
(CME) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 30), 3. 8% yield, +284. 9% 10Y return). Both have compounded well over 10 years (CME: +284. 9%, ITIC: +257. 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 ITIC and ICE and CME 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; ICE is a mid-cap quality compounder stock; CME is a mid-cap income-oriented stock; FNF is a mid-cap income-oriented 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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