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ITICInvestors Title Company
$258.38$488M
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ITIC logoInvestors Title Company(ITIC)Earnings, Financials & Key Ratios

ITIC•NASDAQ•Insurance & Managed Care
13.9× P/E·Price updated Jun 19, 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%

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 4.1%

✗Weaknesses

No significant weaknesses identified

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

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ITIC Price & Volume

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

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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%
TTM7.19%

Profit CAGR

10 Years10.86%
5 Years-2.25%
3 Years13.75%
TTM28.12%

EPS CAGR

10 Years11.42%
5 Years-2.23%
3 Years13.83%
TTM27.88%

Return on Capital

10 Years14.82%
5 Years14.26%
3 Years11.55%
Last Year14.95%

ITIC Recent Earnings

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

Full history →
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$3.20
—
Rev
$64M
—
Q1 2026
Feb 17, 2026
Metric
Actual
Est
EPS
$3.97
—
Rev
$70M
—
Q4 2025
Nov 5, 2025
Metric
Actual
Est
EPS
$6.45
—
Rev
—
—
Q3 2025
Aug 6, 2025
Metric
Actual
Est
EPS
$6.48
—
Rev
$74M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$3.20
$64M
Q1 2026Feb 17, 2026
$3.97
$70M
Q4 2025Nov 5, 2025
$6.45
—
Q3 2025Aug 6, 2025
$6.48
$74M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FNF logoFNFFidelity National Financial, Inc.Direct Competitor12.6B46.8221.198.61%5.15%8.5%0.53
FAF logoFAFFirst American Financial CorporationDirect Competitor7.02B68.6311.4421.64%11.19%12.54%0.35
STC logoSTCStewart Information Services CorporationDirect Competitor2.03B66.4616.4517.32%3.96%7.72%0.54
WD logoWDWalker & Dunlop, Inc.Product Competitor1.78B51.9631.688.99%5.58%4.06%1.29
ESNT logoESNTEssent Group Ltd.Product Competitor5.39B58.458.47-0.49%53.34%12.01%0.09
MTG logoMTGMGIC Investment CorporationProduct Competitor5.51B26.068.300.49%59.63%14%0.13
RDN logoRDNRadian Group Inc.Product Competitor4.73B34.708.38-3.36%40.28%12.01%0.24
NMIH logoNMIHNMI Holdings, Inc.Product Competitor2.85B37.487.628.39%55.07%15.8%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
161.63M156.26M183.5M236.41M329.5M283.39M224.75M258.3M272.75M280.2M
Revenue Growth %
16.71%-3.32%17.43%28.83%39.38%-13.99%-20.69%14.93%5.6%7.19%
Medical Costs & Claims
71.95M65.44M76.31M112.01M148.5M125.82M88.14M111.87M4.61M2.68M
Medical Cost Ratio %
44.52%41.88%41.59%47.38%45.07%44.4%39.22%43.31%1.69%0.96%
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%
277.53M▲ 0%
Gross Margin %
55.48%58.12%58.41%52.62%54.93%55.6%60.78%56.69%98.31%99.04%
Gross Profit Growth %
20.2%1.27%18.03%16.05%45.5%-12.94%-13.3%7.18%83.13%-
Operating Expenses
59.4M63.75M67.37M74.74M96.06M127.46M110.38M106.96M223.6M229.32M
OpEx / Revenue %
36.75%40.8%36.71%31.61%29.15%44.98%49.11%41.41%81.98%81.84%
Depreciation & Amortization
2.35M2.23M2.26M2.26M2.44M3.58M4.12M4.5M4.42M3.92M
Combined Ratio %
81.27%82.68%78.3%78.99%74.22%89.38%88.33%84.72%83.67%82.79%
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%
48.21M▲ 0%
Operating Margin %
18.73%17.32%21.7%21.01%25.78%10.62%11.67%15.28%16.33%17.21%
Operating Income Growth %
7.61%-10.58%47.12%24.7%71.02%-64.55%-12.88%50.45%12.89%-
EBITDA
32.62M29.3M42.09M51.92M87.37M33.69M30.35M43.96M48.97M52.13M
EBITDA Margin %
20.18%18.75%22.94%21.96%26.52%11.89%13.5%17.02%17.95%18.61%
Interest Expense
0000000000
Non-Operating Income
0000000000
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%
48.21M▲ 0%
Pretax Margin %
18.73%17.32%21.7%21.01%25.78%10.62%11.67%15.28%16.33%17.21%
Income Tax
4.57M5.21M8.37M10.24M17.91M6.21M4.54M8.39M9.37M10.13M
Effective Tax Rate %
15.1%19.25%21.01%20.62%21.09%20.61%17.32%21.26%21.03%21.02%
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%
38.08M▲ 0%
Net Margin %
15.9%13.99%17.14%16.67%20.34%8.43%9.65%12.03%12.9%13.59%
Net Income Growth %
31.7%-14.95%43.91%25.31%70.02%-64.33%-9.28%43.29%13.22%28.12%
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%
20.10▲ 0%
EPS Growth %
33.07%-15.04%44.01%25.32%69.65%-64.3%-8.98%43.28%13.09%27.88%
EPS (Basic)
13.6311.5816.6620.8435.3912.6011.4616.4818.64-
Diluted Shares Outstanding
1.9M1.9M1.9M1.9M1.9M1.9M1.89M1.89M1.9M1.89M

ITIC Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
248.91M244.27M263.89M282.93M331.49M339.76M330.56M333.57M363.14M361.54M
Asset Growth %
8.72%-1.87%8.03%7.21%17.16%2.49%-2.71%0.91%8.86%22.02%
Total Investment Assets
301.61M182.67M192.86M213.29M222.87M227.7M228.67M232.54M251.81M4M
Long-Term Investments
174.49M170.23M178.88M197.8M202.57M209.33M211.28M211.97M154.83M672.92M
Short-Term Investments
127.12M121.74M117.77M132.88M125.72M157.64M174.07M172.07M96.98M117.34M
Total Current Assets
67.97B153.51M000000147.48M144.04M
Cash & Equivalents
20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M26.7M
Receivables
385.11M013.56M20.46M23.77M21.09M15.4M17.52M20.28M76.76M
Other Current Assets
00-162.8M-176.49M-198.38M-225.14M-227.02M-221.28M0-17.5M
Goodwill & Intangibles
11.36M10.78M10.28M9.77M15.95M17.61M16.25M15.07M20.94M62.91M
Goodwill
4.35M4.35M4.35M4.35M7.2M9.63M9.63M9.63M9.29M20.88M
Intangible Assets
7.01M6.43M5.93M5.42M8.75M7.99M6.62M5.45M11.65M0
PP&E (Net)
10.17M10.3M14.24M14.69M18.23M24.49M30.19M34.09M37.18M8.39M
Other Assets
11.16B-4.18M-203.4M-222.27M-236.76M-251.43M-257.72M-261.13M2.71M-244.74M
Total Liabilities
70.99M68.63M72.53M82.5M102.4M98.75M79.01M81.8M94.84M88.65M
Total Debt
004.5M3.67M5.33M6.84M6.45M6.36M8.05M8.69M
Net Debt
-20.21M-18.69M-21.45M-10.05M-31.84M-28.47M-17.58M-18.3M-12.79M-18.01M
Long-Term Debt
0000000000
Short-Term Debt
0000000001.81M
Total Current Liabilities
27.57M27.73M00000050.37M660K
Accounts Payable
27.57M27.73M28.32M36.02M43.87M47.05M31.86M34.01M41.52M0
Deferred Revenue
0000000000
Other Current Liabilities
-27.57M-32.72M-29.66M-36.66M-47.2M-47.05M-31.86M-34.29M7.17M-1.15M
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K23.88M
Other Liabilities
62.37M63.65M-11.54M-12.26M-18.45M-14.5M-9.99M-10.45M30.92M75.49M
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%
272.89M▲ 0%
Equity Growth %
14.69%-1.28%8.95%4.73%14.3%5.21%4.37%0.09%6.56%17.96%
Shareholders Equity
177.84M175.64M191.36M200.42M229.09M241.01M251.55M251.77M268.3M272.89M
Minority Interest
84.95K000000000
Retained Earnings
161.89M174.69M188.26M196.1M225.86M240.81M250.91M251.42M267.21M272.53M
Common Stock
0000000000
Accumulated OCI
15.94M949K3.1M4.33M3.23M200K638K355K1.09M363K
Return on Equity (ROE)
15.43%12.37%17.14%20.12%31.21%10.17%8.81%12.35%13.53%14.03%
Return on Assets (ROA)
10.76%8.86%12.38%14.42%21.82%7.12%6.47%9.36%10.1%10.62%
Equity / Assets
71.48%71.9%72.51%70.84%69.11%70.94%76.1%75.48%73.88%75.48%
Debt / Equity
--0.02x0.02x0.02x0.03x0.03x0.03x0.03x0.03x
Book Value per Share
93.8492.59100.93105.71120.57126.98132.89133.07141.58144.08
Tangible BV per Share
87.8586.9195.51100.55112.18117.70124.30125.11130.53133.06

ITIC Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
19.89M24.39M20.92M34.09M51.93M36.2M7.43M29.84M30.94M32.64M
Operating CF Growth %
-11.72%22.58%-14.23%63.01%52.31%-30.28%-79.49%301.83%3.68%2330.9%
Operating CF / Revenue %
12.31%15.61%11.4%14.42%15.76%12.78%3.3%11.55%11.34%11.65%
Net Income
25.7M21.86M31.46M39.42M67.02M23.9M21.69M31.07M35.18M38.08M
Depreciation & Amortization
2.35M2.23M2.26M2.26M2.44M3.58M4.12M131K03.24M
Stock-Based Compensation
219.31K327K264K229K299K362K425K393K0411K
Deferred Taxes
-4.66M-4.07M2.28M1.22M4.83M-4.64M-4.23M515K02.85M
Other Non-Cash Items
-2.44M15K-13.58M-5.02M-20.64M9.65M-5.79M-5.75M-858K-7.32M
Working Capital Changes
-1.27M4.03M-1.77M-4.01M-2.01M3.35M-8.78M3.48M-3.38M-4.63M
Cash from Investing
-20.29M-2.81M4.49M-14.6M9.07M-28.75M-6.7M1.75M-14.82M-13.61M
Capital Expenditures
-2.88M-1.86M-1.49M-3.2M-6.53M-5.68M-9.19M-7.42M0-2.9M
Acquisitions
-175K59K301K85K0-4.93M0000
Purchase of Investments
-51.35M-110.28M-133.82M-51.73M-45.32M-119.85M-210.06M-199.36M0-132.72M
Sale/Maturity of Investments
34.05M109.27M139.49M40.22M53.22M101.66M212.01M208.25M0123.02M
Other Investing
72.74K7K3K22K7.7M55K529K275K-14.82M-1.01M
Cash from Financing
-7.32M-23.1M-18.15M-31.72M-37.55M-9.31M-12.01M-30.96M-19.93M-19.93M
Dividends Paid
-7.07M-23.02M-18.13M-31.72M-37.55M-9.18M-11.05M-29.86M-19.93M-19.93M
Share Repurchases
-246K-29K-19K-6K0-133K-959K-1.1M00
Stock Issued
0000000000
Debt Issuance (Net)
0000000000
Other Financing
0-53K01K-1K-1K0000
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%
-21.11M▲ 0%
Exchange Rate Effect
000000000-20.21M
Cash at Beginning
27.93M20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M
Cash at End
20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M26.7M
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%
27.36M▲ 0%
FCF Growth %
-15.28%32.43%-13.75%59%46.95%-32.76%-105.77%1373.69%13.23%25.47%
FCF Margin %
10.52%14.42%10.59%13.07%13.78%10.77%-0.78%8.68%9.31%9.76%
FCF per Share
8.9711.8810.2516.2923.8916.08-0.9311.8513.3914.44

ITIC Key Ratios

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

Metric201720182019202020212022202320242025TTM
Combined Ratio
81.27%82.68%78.3%78.99%74.22%89.38%88.33%84.72%83.67%82.79%
Medical Cost Ratio
44.52%41.88%41.59%47.38%45.07%44.4%39.22%43.31%1.69%0.96%
Return on Equity (ROE)
15.43%12.37%17.14%20.12%31.21%10.17%8.81%12.35%13.53%14.03%
Return on Assets (ROA)
10.76%8.86%12.38%14.42%21.82%7.12%6.47%9.36%10.1%10.62%
Equity / Assets
71.48%71.9%72.51%70.84%69.11%70.94%76.1%75.48%73.88%75.48%
Book Value / Share
93.8492.59100.93105.71120.57126.98132.89133.07141.58144.08
Debt / Equity
--0.02x0.02x0.02x0.03x0.03x0.03x0.03x0.03x
Revenue Growth
16.71%-3.32%17.43%28.83%39.38%-13.99%-20.69%14.93%5.6%7.19%
Related:ITIC Dividend History·ITIC Revenue History·ITIC Price History·ITIC P/E History·ITIC Financial Ratios·ITIC Institutional Holders

ITIC SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

Feb 17, 2026·SEC

Material company update

Nov 5, 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 2026

May 11, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 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 $38.1M 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 4.07%. 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.

What if you invested $1,000 in ITIC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in ITIC be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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