Investors Title Company (ITIC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Specialty
EV/EBITDA
↑
9.06
+12% vs avg
5yr avg: 8.05
30Y Low3.9·High10.9
P/FCF
↑
17.66
↑+26% vs avg
5yr avg: 14.01
30Y Low4.8·High108.2
P/B Ratio
↑
1.68
+11% vs avg
5yr avg: 1.51
30Y Low0.7·High2.1
ROE
↓
13.5%
-11% vs avg
5yr avg: 15.2%
30Y Low-1%·High31%
Debt/EBITDA
↑
0.33
↑+73% vs avg
5yr avg: 0.19
30Y Low0.1·High0.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ITIC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Investors Title Company trades at 12.8x earnings, 8% above its 5-year average of 11.9x, sitting at the 62nd percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.3x. On a free-cash-flow basis, the stock trades at 17.7x P/FCF, 26% above the 5-year average of 14.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $448M | $473M | $448M | $307M | $280M | $375M | $290M | $302M | $335M | $376M | $303M |
| Enterprise Value | $443M | $468M | $430M | $289M | $252M | $343M | $280M | $280M | $316M | $356M | $275M |
| P/E Ratio → | 12.78 | 13.44 | 14.42 | 14.15 | 11.72 | 5.59 | 7.36 | 9.60 | 15.34 | 14.63 | 15.52 |
| P/S Ratio | 1.64 | 1.73 | 1.73 | 1.37 | 0.99 | 1.14 | 1.23 | 1.64 | 2.14 | 2.33 | 2.19 |
| P/B Ratio | 1.68 | 1.76 | 1.78 | 1.22 | 1.16 | 1.64 | 1.45 | 1.58 | 1.91 | 2.11 | 1.95 |
| P/FCF | 17.66 | 18.64 | 19.98 | — | 9.18 | 8.25 | 9.39 | 15.53 | 14.88 | 22.11 | 15.09 |
| P/OCF | 14.49 | 15.29 | 15.01 | 41.33 | 7.74 | 7.21 | 8.51 | 14.43 | 13.74 | 18.90 | 13.44 |
P/E links to full P/E history page with 30-year chart
ITIC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Investors Title Company's enterprise value stands at 9.1x EBITDA, 12% above its 5-year average of 8.1x. The Financial Services sector median is 11.4x, placing the stock at a 21% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.72 | 1.66 | 1.29 | 0.89 | 1.04 | 1.18 | 1.53 | 2.03 | 2.20 | 1.99 |
| EV / EBITDA | 9.06 | 9.56 | 9.77 | 9.53 | 7.47 | 3.92 | 5.39 | 6.66 | 10.80 | 10.91 | 9.27 |
| EV / EBIT | 9.95 | 10.51 | 10.89 | 11.03 | 8.36 | 4.04 | 5.64 | 7.04 | 11.69 | 11.76 | 9.78 |
| EV / FCF | — | 18.45 | 19.17 | — | 8.24 | 7.55 | 9.06 | 14.43 | 14.05 | 20.92 | 13.70 |
ITIC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Investors Title Company earns an operating margin of 16.3%, below the Financial Services sector average of 21.4%. Operating margins have expanded from 11.7% to 16.3% over the past 3 years, signaling improving operational efficiency. ROE of 13.5% is modest. ROIC of 13.4% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.3% | 98.3% | 56.7% | 60.8% | 55.6% | 54.9% | 52.6% | 58.4% | 58.1% | 55.5% | 53.9% |
| Operating Margin | 16.3% | 16.3% | 15.3% | 11.7% | 10.6% | 25.8% | 21.0% | 21.7% | 17.3% | 18.7% | 20.3% |
| Net Profit Margin | 12.9% | 12.9% | 12.0% | 9.6% | 8.4% | 20.3% | 16.7% | 17.1% | 14.0% | 15.9% | 14.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.5% | 13.5% | 12.3% | 8.8% | 10.2% | 31.2% | 20.1% | 17.1% | 12.4% | 15.4% | 13.1% |
| ROA | 10.1% | 10.1% | 9.4% | 6.5% | 7.1% | 21.8% | 14.4% | 12.4% | 8.9% | 10.8% | 8.9% |
| ROIC | 13.4% | 13.4% | 12.7% | 8.8% | 11.0% | 32.9% | 20.7% | 18.3% | 12.9% | 15.9% | 17.0% |
| ROCE | 12.8% | 12.8% | 11.9% | 7.8% | 9.0% | 27.6% | 18.2% | 15.7% | 12.4% | 13.7% | — |
ITIC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Investors Title Company carries a Debt/EBITDA ratio of 0.3x, which is very conservative (92% below the sector average of 4.1x). The company holds a net cash position — cash of $21M exceeds total debt of $16M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | — | — | — |
| Debt / EBITDA | 0.33 | 0.33 | 0.14 | 0.21 | 0.20 | 0.06 | 0.07 | 0.11 | — | — | — |
| Net Debt / Equity | — | -0.02 | -0.07 | -0.07 | -0.12 | -0.14 | -0.05 | -0.11 | -0.11 | -0.11 | -0.18 |
| Net Debt / EBITDA | -0.10 | -0.10 | -0.42 | -0.58 | -0.85 | -0.36 | -0.19 | -0.51 | -0.64 | -0.62 | -0.94 |
| Debt / FCF | — | -0.19 | -0.82 | — | -0.93 | -0.70 | -0.33 | -1.10 | -0.83 | -1.19 | -1.39 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — |
Net cash position: cash ($21M) exceeds total debt ($16M)
ITIC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | — | — | 5.53 | 2465.62 | 56.07 |
| Quick Ratio | — | — | — | — | — | — | — | — | 8.32 | 7.78 | 0.17 |
| Cash Ratio | — | — | — | — | — | — | — | — | 5.06 | 5.34 | 0.11 |
| Asset Turnover | — | 0.75 | 0.77 | 0.68 | 0.83 | 0.99 | 0.84 | 0.70 | 0.64 | 0.65 | 0.60 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ITIC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Investors Title Company returns 4.4% to shareholders annually primarily through dividends. A payout ratio of 56.7% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.4% | 4.2% | 6.7% | 3.6% | 3.3% | 10.0% | 10.9% | 6.0% | 6.9% | 1.9% | 0.5% |
| Payout Ratio | 56.7% | 56.7% | 96.1% | 50.9% | 38.4% | 56.0% | 80.5% | 57.6% | 105.3% | 27.5% | 7.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 7.4% | 6.9% | 7.1% | 8.5% | 17.9% | 13.6% | 10.4% | 6.5% | 6.8% | 6.4% |
| FCF Yield | 5.7% | 5.4% | 5.0% | — | 10.9% | 12.1% | 10.6% | 6.4% | 6.7% | 4.5% | 6.6% |
| Buyback Yield | 0.0% | 0.0% | 0.2% | 0.3% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 2.1% |
| Total Shareholder Yield | 4.4% | 4.2% | 6.9% | 3.9% | 3.3% | 10.0% | 10.9% | 6.0% | 6.9% | 1.9% | 2.5% |
| Shares Outstanding | — | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M |
Peer Comparison
Compare ITIC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ITICYou | $448M | 12.8 | 9.1 | 17.7 | 98.3% | 16.3% | 13.5% | 13.4% | 0.3 |
 FNF | $14B | 11.0 | 6.1 | 2.1 | 52.9% | 13.0% | 15.9% | 13.7% | 1.9 |
 FAF | $7B | 11.4 | 7.2 | 9.2 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 STC | $2B | 17.0 | 11.7 | 15.8 | 87.7% | 5.7% | 7.5% | 6.2% | 3.9 |
 WD | $2B | 31.2 | 8.2 | — | 61.3% | 17.3% | 3.3% | 4.3% | 5.0 |
 ESNT | $6B | 8.8 | 7.2 | 6.9 | 93.6% | 67.5% | 13.6% | 11.3% | 0.6 |
 MTG | $6B | 8.4 | 6.2 | 6.5 | 94.9% | 76.5% | 14.3% | 12.7% | 0.7 |
 RDN | $5B | 9.1 | 8.4 | — | 95.1% | 59.8% | 13.4% | 9.0% | 2.8 |
 NMIH | $3B | 7.7 | 6.1 | 7.0 | 91.8% | 70.8% | 16.2% | 13.5% | 0.8 |
 OPEN | $5B | -3.1 | — | 4.8 | 8.0% | -6.6% | -151.3% | -16.6% | — |
 EXPI | $1B | -44.9 | — | 9.3 | 7.0% | -0.4% | -10.1% | -15.3% | — |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
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Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonITIC — Frequently Asked Questions
Quick answers to the most common questions about buying ITIC stock.
What is Investors Title Company's P/E ratio?
Investors Title Company's current P/E ratio is 12.8x. The historical average is 11.5x. This places it at the 62th percentile of its historical range.
What is Investors Title Company's EV/EBITDA?
Investors Title Company's current EV/EBITDA is 9.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.2x.
What is Investors Title Company's ROE?
Investors Title Company's return on equity (ROE) is 13.5%. The historical average is 13.0%.
Is ITIC stock overvalued?
Based on historical data, Investors Title Company is trading at a P/E of 12.8x. This is at the 62th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Investors Title Company's dividend yield?
Investors Title Company's current dividend yield is 4.43% with a payout ratio of 56.7%.
What are Investors Title Company's profit margins?
Investors Title Company has 98.3% gross margin and 16.3% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Investors Title Company have?
Investors Title Company's Debt/EBITDA ratio is 0.3x, indicating low leverage. A ratio below 2x is generally considered financially healthy.