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ITIC logoInvestors Title Company(ITIC)Earnings, Financials & Key Ratios

ITIC•NASDAQ•Insurance & Managed Care
$237.40
$448M mkt cap·12.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustrySpecialty InsuranceSub-IndustryMortgage and Title Insurance
AboutInvestors Title Company, through its subsidiaries, engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. The company underwrites land title insurance for owners and mortgagees as a primary insurer; and assumes the reinsurance of title insurance risks from other title insurance companies. It also provides services in connection with tax-deferred exchanges of like-kind property; acts as a qualified intermediary in tax-deferred exchanges of property; coordinates the exchange aspects of the real estate transaction, such as drafting standard exchange documents, holding the exchange funds between the sale of the old property and the purchase of the new property, and accepting the formal identification of the replacement property. In addition, it serves as an exchange accommodation titleholder for accomplishing reverse exchanges when the taxpayers decide to acquire replacement property before selling the relinquished property. Further, the company offers investment management and trust services to individuals, companies, banks, and trusts; and consulting and management services to clients to start and operate a title insurance agency. It issues title insurance policies primarily through approved attorneys from underwriting offices, as well as through independent issuing agents in 24 states and the District of Columbia, primarily in the eastern half of the United States. The company was founded in 1972 and is headquartered in Chapel Hill, North Carolina.Show more
  • Revenue$273M+5.6%
  • Combined Ratio83.67%-1.2%
  • Net Income$35M+13.2%
  • Return on Equity13.53%+9.6%
  • Medical Cost Ratio1.69%-96.1%
  • Operating Margin16.33%+6.9%
  • Net Margin12.9%+7.2%
  • ROA10.1%+7.9%
  • Equity / Assets73.88%-2.1%
  • Book Value per Share141.58+6.4%
  • Tangible BV/Share125.63+0.4%
  • Debt/Equity0.06+137.7%
Technical→

ITIC Key Insights

Investors Title Company (ITIC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Profitable underwriting: 83.7% combined ratio
  • ✓Low loss ratio of 1.7%
  • ✓Healthy dividend yield of 4.4%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

ITIC Price & Volume

Investors Title Company (ITIC) stock price & volume — 10-year historical chart

Loading chart...

ITIC Growth Metrics

Investors Title Company (ITIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.93%
5 Years2.9%
3 Years-1.27%
TTM5.6%

Profit CAGR

10 Years10.86%
5 Years-2.25%
3 Years13.75%
TTM13.22%

EPS CAGR

10 Years11.42%
5 Years-2.23%
3 Years13.83%
TTM12.9%

Return on Capital

10 Years14.6%
5 Years13.82%
3 Years10.83%
Last Year12.79%

ITIC Recent Earnings

Investors Title Company (ITIC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q1 2026Latest
Feb 17, 2026
EPS
$3.97
Revenue
$70M
Q4 2025
Nov 5, 2025
EPS
$6.45
Revenue
—
Q3 2025
Aug 6, 2025
EPS
$6.48
Revenue
$74M
Q2 2025
May 8, 2025
EPS
$1.67
Revenue
$57M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 17, 2026
$3.97
$70M
Q4 2025Nov 5, 2025
$6.45
—
Q3 2025Aug 6, 2025
$6.48
$74M
Q2 2025May 8, 2025
$1.67
$57M
Based on last 12 quarters of dataView full earnings history →

ITIC Peer Comparison

Investors Title Company (ITIC) competitors in Mortgage and Title Insurance — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FNF logoFNFFidelity National Financial, Inc.Direct Competitor13.87B51.1811.0115.92%8.52%12.52%48.08%0.55
FAF logoFAFFirst American Financial CorporationDirect Competitor7B68.3811.4021.64%11.19%12.54%10.9%0.35
STC logoSTCStewart Information Services CorporationDirect Competitor2.09B68.6116.9817.32%3.96%7.72%6.32%0.54
WD logoWDWalker & Dunlop, Inc.Product Competitor1.76B51.1631.208.99%4.62%3.24%1.29
ESNT logoESNTEssent Group Ltd.Product Competitor5.87B60.178.7812.03%53.73%12.25%14.57%0.09
MTG logoMTGMGIC Investment CorporationProduct Competitor5.55B26.248.360.49%59.63%14%15.35%0.13
RDN logoRDNRadian Group Inc.Product Competitor4.82B35.589.084.04%45.61%12.38%0.51
NMIH logoNMIHNMI Holdings, Inc.Product Competitor2.87B37.667.658.39%55.07%15.8%14.38%0.16

Compare ITIC vs Peers

Investors Title Company (ITIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FNF

Most directly comparable listed peer for ITIC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare ITIC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FNF, FAF, STC, WD

ITIC Income Statement

Investors Title Company (ITIC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue161.63M156.26M183.5M236.41M329.5M283.39M224.75M258.3M272.75M
Revenue Growth %16.71%-3.32%17.43%28.83%39.38%-13.99%-20.69%14.93%5.6%
Medical Costs & Claims71.95M65.44M76.31M112.01M148.5M125.82M88.14M111.87M4.61M
Medical Cost Ratio %44.52%41.88%41.59%47.38%45.07%44.4%39.22%43.31%1.69%
Gross Profit
89.67M▲ 0%
90.82M▲ 1.3%
107.19M▲ 18.0%
124.4M▲ 16.1%
181M▲ 45.5%
157.57M▼ 12.9%
136.61M▼ 13.3%
146.43M▲ 7.2%
268.15M▲ 83.1%
Gross Margin %55.48%58.12%58.41%52.62%54.93%55.6%60.78%56.69%98.31%
Gross Profit Growth %20.2%1.27%18.03%16.05%45.5%-12.94%-13.3%7.18%83.13%
Operating Expenses59.4M63.75M67.37M74.74M96.06M127.46M110.38M106.96M223.6M
OpEx / Revenue %36.75%40.8%36.71%31.61%29.15%44.98%49.11%41.41%81.98%
Depreciation & Amortization2.35M2.23M2.26M2.26M2.44M3.58M4.12M4.5M4.42M
Combined Ratio %81.27%82.68%78.3%78.99%74.22%89.38%88.33%84.72%83.67%
Operating Income
30.27M▲ 0%
27.07M▼ 10.6%
39.82M▲ 47.1%
49.66M▲ 24.7%
84.93M▲ 71.0%
30.11M▼ 64.6%
26.23M▼ 12.9%
39.46M▲ 50.4%
44.55M▲ 12.9%
Operating Margin %18.73%17.32%21.7%21.01%25.78%10.62%11.67%15.28%16.33%
Operating Income Growth %7.61%-10.58%47.12%24.7%71.02%-64.55%-12.88%50.45%12.89%
EBITDA32.62M29.3M42.09M51.92M87.37M33.69M30.35M43.96M48.97M
EBITDA Margin %20.18%18.75%22.94%21.96%26.52%11.89%13.5%17.02%17.95%
Interest Expense000000000
Non-Operating Income000000000
Pretax Income
30.27M▲ 0%
27.07M▼ 10.6%
39.82M▲ 47.1%
49.66M▲ 24.7%
84.93M▲ 71.0%
30.11M▼ 64.6%
26.23M▼ 12.9%
39.46M▲ 50.4%
44.55M▲ 12.9%
Pretax Margin %18.73%17.32%21.7%21.01%25.78%10.62%11.67%15.28%16.33%
Income Tax4.57M5.21M8.37M10.24M17.91M6.21M4.54M8.39M9.37M
Effective Tax Rate %15.1%19.25%21.01%20.62%21.09%20.61%17.32%21.26%21.03%
Net Income
25.7M▲ 0%
21.86M▼ 14.9%
31.46M▲ 43.9%
39.42M▲ 25.3%
67.02M▲ 70.0%
23.9M▼ 64.3%
21.69M▼ 9.3%
31.07M▲ 43.3%
35.18M▲ 13.2%
Net Margin %15.9%13.99%17.14%16.67%20.34%8.43%9.65%12.03%12.9%
Net Income Growth %31.7%-14.95%43.91%25.31%70.02%-64.33%-9.28%43.29%13.22%
EPS (Diluted)
13.56▲ 0%
11.52▼ 15.0%
16.59▲ 44.0%
20.79▲ 25.3%
35.27▲ 69.6%
12.59▼ 64.3%
11.46▼ 9.0%
16.42▲ 43.3%
18.57▲ 13.1%
EPS Growth %33.07%-15.04%44.01%25.32%69.65%-64.3%-8.98%43.28%13.09%
EPS (Basic)13.6311.5816.6620.8435.3912.6011.4616.4818.64
Diluted Shares Outstanding1.9M1.9M1.9M1.9M1.9M1.9M1.89M1.89M1.9M

ITIC Balance Sheet

Investors Title Company (ITIC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets248.91M244.27M263.89M282.93M331.49M339.76M330.56M333.57M363.14M
Asset Growth %8.72%-1.87%8.03%7.21%17.16%2.49%-2.71%0.91%8.86%
Total Investment Assets301.61M182.67M192.86M213.29M222.87M227.7M228.67M232.54M251.81M
Long-Term Investments174.49M170.23M178.88M197.8M202.57M209.33M211.28M211.97M154.83M
Short-Term Investments127.12M121.74M117.77M132.88M125.72M157.64M174.07M172.07M118.12M
Total Current Assets67.97B153.51M000000138.95M
Cash & Equivalents20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M
Receivables385.11M013.56M20.46M23.77M21.09M15.4M17.52M17.13M
Other Current Assets00-162.8M-176.49M-198.38M-225.14M-227.02M-221.28M-17.13M
Goodwill & Intangibles11.36M10.78M10.28M9.77M15.95M17.61M16.25M15.07M30.24M
Goodwill4.35M4.35M4.35M4.35M7.2M9.63M9.63M9.63M9.29M
Intangible Assets7.01M6.43M5.93M5.42M8.75M7.99M6.62M5.45M20.94M
PP&E (Net)10.17M10.3M14.24M14.69M18.23M24.49M30.19M34.09M7.78M
Other Assets11.16B-4.18M-203.4M-222.27M-236.76M-251.43M-257.72M-261.13M-164.13M
Total Liabilities70.99M68.63M72.53M82.5M102.4M98.75M79.01M81.8M94.84M
Total Debt004.5M3.67M5.33M6.84M6.45M6.36M16.1M
Net Debt-20.21M-18.69M-21.45M-10.05M-31.84M-28.47M-17.58M-18.3M-4.74M
Long-Term Debt000000008.05M
Short-Term Debt000000000
Total Current Liabilities27.57M27.73M0000000
Accounts Payable27.57M27.73M28.32M36.02M43.87M47.05M31.86M34.01M41.52M
Deferred Revenue000000000
Other Current Liabilities-27.57M-32.72M-29.66M-36.66M-47.2M-47.05M-31.86M-34.29M-41.52M
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Liabilities62.37M63.65M-11.54M-12.26M-18.45M-14.5M-9.99M-10.45M71.57M
Total Equity
177.92M▲ 0%
175.64M▼ 1.3%
191.36M▲ 9.0%
200.42M▲ 4.7%
229.09M▲ 14.3%
241.01M▲ 5.2%
251.55M▲ 4.4%
251.77M▲ 0.1%
268.3M▲ 6.6%
Equity Growth %14.69%-1.28%8.95%4.73%14.3%5.21%4.37%0.09%6.56%
Shareholders Equity177.84M175.64M191.36M200.42M229.09M241.01M251.55M251.77M268.3M
Minority Interest84.95K00000000
Retained Earnings161.89M174.69M188.26M196.1M225.86M240.81M250.91M251.42M267.21M
Common Stock000000000
Accumulated OCI15.94M949K3.1M4.33M3.23M200K638K355K1.09M
Return on Equity (ROE)15.43%12.37%17.14%20.12%31.21%10.17%8.81%12.35%13.53%
Return on Assets (ROA)10.76%8.86%12.38%14.42%21.82%7.12%6.47%9.36%10.1%
Equity / Assets71.48%71.9%72.51%70.84%69.11%70.94%76.1%75.48%73.88%
Debt / Equity--0.02x0.02x0.02x0.03x0.03x0.03x0.06x
Book Value per Share93.8492.59100.93105.71120.57126.98132.89133.07141.58
Tangible BV per Share87.8586.9195.51100.55112.18117.70124.30125.11125.63

ITIC Cash Flow Statement

Investors Title Company (ITIC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations19.89M24.39M20.92M34.09M51.93M36.2M7.43M29.84M30.94M
Operating CF Growth %-11.72%22.58%-14.23%63.01%52.31%-30.28%-79.49%301.83%3.68%
Operating CF / Revenue %12.31%15.61%11.4%14.42%15.76%12.78%3.3%11.55%11.34%
Net Income25.7M21.86M31.46M39.42M67.02M23.9M21.69M31.07M35.18M
Depreciation & Amortization2.35M2.23M2.26M2.26M2.44M3.58M4.12M131K0
Stock-Based Compensation219.31K327K264K229K299K362K425K393K0
Deferred Taxes-4.66M-4.07M2.28M1.22M4.83M-4.64M-4.23M515K0
Other Non-Cash Items-2.44M15K-13.58M-5.02M-20.64M9.65M-5.79M-5.75M-858K
Working Capital Changes-1.27M4.03M-1.77M-4.01M-2.01M3.35M-8.78M3.48M-3.38M
Cash from Investing-20.29M-2.81M4.49M-14.6M9.07M-28.75M-6.7M1.75M-14.82M
Capital Expenditures-2.88M-1.86M-1.49M-3.2M-6.53M-5.68M-9.19M-7.42M0
Acquisitions-175K59K301K85K0-4.93M000
Purchase of Investments-51.35M-110.28M-133.82M-51.73M-45.32M-119.85M-210.06M-199.36M0
Sale/Maturity of Investments34.05M109.27M139.49M40.22M53.22M101.66M212.01M208.25M0
Other Investing72.74K7K3K22K7.7M55K529K275K-14.82M
Cash from Financing-7.32M-23.1M-18.15M-31.72M-37.55M-9.31M-12.01M-30.96M-19.93M
Dividends Paid-7.07M-23.02M-18.13M-31.72M-37.55M-9.18M-11.05M-29.86M-19.93M
Share Repurchases-246K-29K-19K-6K0-133K-959K-1.1M0
Stock Issued000000000
Debt Issuance (Net)000000000
Other Financing0-53K01K-1K-1K000
Net Change in Cash
-7.71M▲ 0%
-1.52M▲ 80.3%
7.25M▲ 577.3%
-12.23M▼ 268.5%
23.45M▲ 291.8%
-1.86M▼ 107.9%
-11.28M▼ 507.4%
623K▲ 105.5%
-3.82M▼ 712.5%
Exchange Rate Effect000000000
Cash at Beginning27.93M20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M
Cash at End20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M
Free Cash Flow
17.01M▲ 0%
22.53M▲ 32.4%
19.43M▼ 13.7%
30.89M▲ 59.0%
45.4M▲ 46.9%
30.52M▼ 32.8%
-1.76M▼ 105.8%
22.42M▲ 1373.7%
25.38M▲ 13.2%
FCF Growth %-15.28%32.43%-13.75%59%46.95%-32.76%-105.77%1373.69%13.23%
FCF Margin %10.52%14.42%10.59%13.07%13.78%10.77%-0.78%8.68%9.31%
FCF per Share8.9711.8810.2516.2923.8916.08-0.9311.8513.39

ITIC Key Ratios

Investors Title Company (ITIC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio79.69%81.27%82.68%78.3%78.99%74.22%89.38%88.33%84.72%83.67%
Medical Cost Ratio46.13%44.52%41.88%41.59%47.38%45.07%44.4%39.22%43.31%1.69%
Return on Equity (ROE)13.1%15.43%12.37%17.14%20.12%31.21%10.17%8.81%12.35%13.53%
Return on Assets (ROA)8.86%10.76%8.86%12.38%14.42%21.82%7.12%6.47%9.36%10.1%
Equity / Assets67.76%71.48%71.9%72.51%70.84%69.11%70.94%76.1%75.48%73.88%
Book Value / Share81.0193.8492.59100.93105.71120.57126.98132.89133.07141.58
Debt / Equity---0.02x0.02x0.02x0.03x0.03x0.03x0.06x
Revenue Growth8.87%16.71%-3.32%17.43%28.83%39.38%-13.99%-20.69%14.93%5.6%

ITIC SEC Filings & Documents

Investors Title Company (ITIC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Feb 17, 2026·SEC

Material company update

Nov 5, 2025·SEC

Material company update

Aug 6, 2025·SEC

10-K Annual Reports

5
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

ITIC Frequently Asked Questions

Investors Title Company (ITIC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Investors Title Company (ITIC) grew revenue by 5.6% over the past year. This is steady growth.

Yes, Investors Title Company (ITIC) is profitable, generating $35.2M in net income for fiscal year 2025 (12.9% net margin).

Dividend & Returns

Yes, Investors Title Company (ITIC) pays a dividend with a yield of 4.43%. This makes it attractive for income-focused investors.

Investors Title Company (ITIC) has a return on equity (ROE) of 13.5%. This is reasonable for most industries.

Industry Metrics

Investors Title Company (ITIC) has a combined ratio of 83.7%. A ratio below 100% indicates underwriting profitability.

Explore More ITIC

Investors Title Company (ITIC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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