Insurance - Specialty
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2 / 10Stock Comparison
ITIC vs WD
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Mortgages
ITIC vs WD — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Specialty | Financial - Mortgages |
| Market Cap | $448M | $1.76B |
| Revenue (TTM) | $273M | $1.23B |
| Net Income (TTM) | $35M | $57M |
| Gross Margin | 90.0% | 61.3% |
| Operating Margin | 16.3% | 17.3% |
| Forward P/E | 39.0x | 14.3x |
| Total Debt | $16M | $2.25B |
| Cash & Equiv. | $21M | $299M |
ITIC vs WD — 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 | 188.3 | +88.3% |
| Walker & Dunlop, In… (WD) | 100 | 126.3 | +26.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ITIC vs WD
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 long-term compounding and sleep-well-at-night.
- 253.5% 10Y total return vs WD's 186.5%
- Lower volatility, beta 0.77, Low D/E 6.0%
- Beta 0.77, yield 4.4%
WD is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 8 yrs, beta 1.32, yield 5.4%
- Rev growth 9.0%, EPS growth -48.6%
- 9.0% NII/revenue growth vs ITIC's 5.6%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 9.0% NII/revenue growth vs ITIC's 5.6% | |
| Value | Lower P/E (14.3x vs 39.0x) | |
| Quality / Margins | 12.9% margin vs WD's 4.6% | |
| Stability / Safety | Beta 0.77 vs WD's 1.32, lower leverage | |
| Dividends | 5.4% yield, 8-year raise streak, vs ITIC's 4.4% | |
| Momentum (1Y) | +4.5% vs WD's -25.8% | |
| Efficiency (ROA) | 10.0% ROA vs WD's 1.1%, ROIC 13.4% vs 4.3% |
ITIC vs WD — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
ITIC vs WD — 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 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
WD is the larger business by revenue, generating $1.2B annually — 4.5x ITIC's $273M. ITIC is the more profitable business, keeping 12.9% of every revenue dollar as net income compared to WD's 4.6%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $273M | $1.2B |
| EBITDAEarnings before interest/tax | $49M | $376M |
| Net IncomeAfter-tax profit | $35M | $57M |
| Free Cash FlowCash after capex | $25M | -$680M |
| Gross MarginGross profit ÷ Revenue | +90.0% | +61.3% |
| Operating MarginEBIT ÷ Revenue | +16.3% | +17.3% |
| Net MarginNet income ÷ Revenue | +12.9% | +4.6% |
| FCF MarginFCF ÷ Revenue | +9.3% | -55.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | -1.6% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -10.2% | -132.0% |
Valuation Metrics
WD leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 12.8x trailing earnings, ITIC trades at a 59% valuation discount to WD's 31.2x P/E. On an enterprise value basis, WD's 8.2x EV/EBITDA is more attractive than ITIC's 9.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $448M | $1.8B |
| Enterprise ValueMkt cap + debt − cash | $443M | $3.7B |
| Trailing P/EPrice ÷ TTM EPS | 12.78x | 31.20x |
| Forward P/EPrice ÷ next-FY EPS est. | 39.01x | 14.29x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 9.06x | 8.20x |
| Price / SalesMarket cap ÷ Revenue | 1.64x | 1.42x |
| Price / BookPrice ÷ Book value/share | 1.68x | 0.98x |
| Price / FCFMarket cap ÷ FCF | 17.66x | — |
Profitability & Efficiency
ITIC leads this category, winning 8 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 $3 for WD. ITIC carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to WD's 1.29x. On the Piotroski fundamental quality scale (0–9), ITIC scores 4/9 vs WD's 2/9, reflecting mixed financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +13.2% | +3.2% |
| ROA (TTM)Return on assets | +10.0% | +1.1% |
| ROICReturn on invested capital | +13.4% | +4.3% |
| ROCEReturn on capital employed | +12.8% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 2 |
| Debt / EquityFinancial leverage | 0.06x | 1.29x |
| Net DebtTotal debt minus cash | -$5M | $2.0B |
| Cash & Equiv.Liquid assets | $21M | $299M |
| Total DebtShort + long-term debt | $16M | $2.2B |
| Interest CoverageEBIT ÷ Interest expense | — | 2.92x |
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 $5,612 for WD. Over the past 12 months, ITIC leads with a +4.5% total return vs WD's -25.8%. The 3-year compound annual growth rate (CAGR) favors ITIC at 22.7% vs WD's -3.9% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -3.5% | -11.7% |
| 1-Year ReturnPast 12 months | +4.5% | -25.8% |
| 3-Year ReturnCumulative with dividends | +84.7% | -11.2% |
| 5-Year ReturnCumulative with dividends | +61.1% | -43.9% |
| 10-Year ReturnCumulative with dividends | +253.5% | +186.5% |
| CAGR (3Y)Annualised 3-year return | +22.7% | -3.9% |
Risk & Volatility
ITIC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ITIC is the less volatile stock with a 0.77 beta — it tends to amplify market swings less than WD's 1.32 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 WD's 56.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 1.32x |
| 52-Week HighHighest price in past year | $288.98 | $90.00 |
| 52-Week LowLowest price in past year | $190.20 | $42.12 |
| % of 52W HighCurrent price vs 52-week peak | +82.2% | +56.8% |
| RSI (14)Momentum oscillator 0–100 | 48.6 | 57.6 |
| Avg Volume (50D)Average daily shares traded | 18K | 365K |
Analyst Outlook
WD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, WD offers the higher dividend yield at 5.38% vs ITIC's 4.43%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $72.00 |
| # AnalystsCovering analysts | — | 15 |
| Dividend YieldAnnual dividend ÷ price | +4.4% | +5.4% |
| Dividend StreakConsecutive years of raises | 0 | 8 |
| Dividend / ShareAnnual DPS | $10.52 | $2.75 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.6% |
ITIC leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). WD leads in 2 (Valuation Metrics, Analyst Outlook).
ITIC vs WD: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ITIC or WD a better buy right now?
For growth investors, Walker & Dunlop, Inc.
(WD) is the stronger pick with 9. 0% revenue growth year-over-year, versus 5. 6% for Investors Title Company (ITIC). Investors Title Company (ITIC) offers the better valuation at 12. 8x trailing P/E (39. 0x forward), making it the more compelling value choice. Analysts rate Walker & Dunlop, Inc. (WD) a "Buy" — based on 15 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 WD?
On trailing P/E, Investors Title Company (ITIC) is the cheapest at 12.
8x versus Walker & Dunlop, Inc. at 31. 2x. On forward P/E, Walker & Dunlop, Inc. is actually cheaper at 14. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — ITIC or WD?
Over the past 5 years, Investors Title Company (ITIC) delivered a total return of +61.
1%, compared to -43. 9% for Walker & Dunlop, Inc. (WD). Over 10 years, the gap is even starker: ITIC returned +253. 5% versus WD's +186. 5%. 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 WD?
By beta (market sensitivity over 5 years), Investors Title Company (ITIC) is the lower-risk stock at 0.
77β versus Walker & Dunlop, Inc. 's 1. 32β — meaning WD is approximately 73% more volatile than ITIC relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 6% versus 129% for Walker & Dunlop, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — ITIC or WD?
By revenue growth (latest reported year), Walker & Dunlop, Inc.
(WD) is pulling ahead at 9. 0% versus 5. 6% for Investors Title Company (ITIC). On earnings-per-share growth, the picture is similar: Investors Title Company grew EPS 13. 1% year-over-year, compared to -48. 6% for Walker & Dunlop, Inc.. 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 WD?
Investors Title Company (ITIC) is the more profitable company, earning 12.
9% net margin versus 4. 6% for Walker & Dunlop, Inc. — meaning it keeps 12. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WD leads at 17. 3% versus 16. 3% for ITIC. 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 WD more undervalued right now?
On forward earnings alone, Walker & Dunlop, Inc.
(WD) trades at 14. 3x forward P/E versus 39. 0x for Investors Title Company — 24. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — ITIC or WD?
All stocks in this comparison pay dividends.
Walker & Dunlop, Inc. (WD) offers the highest yield at 5. 4%, versus 4. 4% for Investors Title Company (ITIC).
09Is ITIC or WD 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. 4% yield, +253. 5% 10Y return). Both have compounded well over 10 years (ITIC: +253. 5%, WD: +186. 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 WD?
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; WD is a small-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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