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Investors Title Company ITIC R2K

Financial Services · Insurance - Specialty · United States
https://www.invtitle.com

Investors Title Company, through its subsidiaries, engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. The company operates through Title Insurance and Exchange Services segments. It 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. The company also provides services in connection with tax-deferred exchanges of like-kind property; acts as a qualified intermediary in tax-deferred exchanges of real 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 acts 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 directly and through a network of agents. Investors Title Company was founded in 1972 and is headquartered in Chapel Hill, North Carolina.

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$234.75
+4.38% 1Y

Market & Price

Market Cap
$443.21M
Current Price
$234.75
High / Low (52W)
$278.66 / $185.56
Beta
0.67

Valuation

Stock P/E
11.68
Industry PE
12.01
Forward P/E
-
PEG Ratio
1.98
Book Value
$144.54
Price to Book
1.62
P/S
1.58
EV/EBITDA
6.98
Dividend Yield
0.78%

Profitability & Returns

ROCE
-
ROE
14.44%
ROA
8.66%
Profit Margin
13.59%
Op Margin
12.05%
EPS (Latest Qtr)
$3.20
EPS (TTM)
$20.09

Balance Sheet & Liquidity

Debt/Equity
3.19
Quick Ratio
1.36
Current Ratio
1.51
Debt
$8.69M
Total Assets
$363.14M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
25.02%
Chg in Prom Hold
-
FII / Inst Holding
53.06%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$366.76M
Total Revenue (TTM)
$280.16M
EBITDA
$52.51M
Free Cash Flow
$27.61M
Operating Cash Flow
$32.64M
Shares Outstanding
1.89M
Gross Margin
56.80%
Payout Ratio
9.15%

Growth (CAGR)

Revenue 5Y
-1.21%
Profit 5Y
13.75%
Revenue (YoY)
13.20%
Earnings (YoY)
91.60%

PROS

  • Profit CAGR of 13.7% over 5 years.
  • Generates positive free cash flow.

CONS

  • Revenue declined at -1.2% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ITIC Investors Title Company R2K 234.75 11.68 $443.21M 0.78% - 14.44% -1.21% 13.75%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --------------3.10M3.85M3.61M3.71M4.42M4.93M4.39M3.99M4.11M4.88M5.89M6.31M7.49M9.04M9.81M8.97M9.17M9.32M8.03M9.11M8.88M56.84M73.79M73.02M69.99M64.01M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------------
Pretax Income -----------------------------------4.05M15.80M15.09M9.61M7.71M
Tax Provision -----------------------------------882.00K3.52M2.88M2.09M1.65M
Net Income 4.01M5.52M986.44K3.37M2.59M1.73M4.12M4.49M1.81M4.53M8.13M4.48M5.67M5.93M4.18M6.95M10.63M6.63M5.50M7.95M-7.01M14.49M15.30M13.82M19.78M14.50M6.18M2.28M7.91M1.18M7.58M7.08M4.53M8.87M9.31M3.17M12.28M12.21M7.52M6.07M
Diluted EPS 1.922.660.481.651.280.862.052.280.932.354.292.362.993.132.203.665.613.492.904.20-3.717.658.077.2910.427.633.251.204.170.624.003.752.404.704.921.676.486.453.973.20

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------8.18M13.02M14.18M17.40M17.01M-283.39M224.75M258.61M273.22M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ----------------
Pretax Income ------------30.11M26.23M39.46M44.55M
Tax Provision ------------6.21M4.54M8.39M9.37M
Net Income 6.37M6.93M11.10M14.71M9.65M12.53M19.52M25.71M21.89M31.46M39.42M-23.90M21.69M31.07M35.18M
Diluted EPS 2.783.205.247.084.746.3010.1913.5611.5416.5920.80-12.5911.4516.4318.57

Compounded Sales Growth

5 Years:-1.21%
1 Year:13.20%

Compounded Profit Growth

5 Years:13.75%
1 Year:91.60%

Stock Price Performance

1 Year:+4.38%
6 Months:-11.45%
3 Months:+1.89%
1 Month:-1.48%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -153.49M157.96M171.92M188.31M198.04M211.52M228.94M248.91M244.27M263.89M282.93M331.49M339.76M330.56M333.57M363.14M
Current Assets -----------------
Cash & Equivalents 8.73M8.12M18.04M20.81M23.63M15.83M21.79M27.93M20.21M18.69M25.95M13.72M37.17M35.31M24.03M24.65M20.84M
Inventory -----------------
Receivables -------------19.05M13.34M16.05M17.13M
Total Liabilities -49.56M51.45M56.79M59.70M60.48M68.74M73.80M70.99M68.63M72.53M82.50M102.40M98.75M79.01M81.80M94.84M
Current Liabilities -----------------
Long Term Debt -----------------
Total Debt -------------6.84M6.45M6.36M8.05M
Total Equity 97.26M103.93M106.51M114.64M128.06M137.56M142.67M155.05M177.84M175.64M191.36M200.42M229.09M241.01M251.55M251.77M268.30M
Shares Outstanding -------------2.19M2.18M2.18M2.18M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.23M9.01M8.69M15.30M9.68M16.92M22.57M19.89M24.39M20.92M34.09M-36.20M7.43M29.84M30.94M
Investing Cash Flow -3.96M7.30M-1.48M-8.55M-15.65M-4.70M-8.84M-20.29M-2.81M4.49M-14.60M--28.75M-6.70M1.75M-14.82M
Financing Cash Flow -878.00K-6.38M-4.44M-3.93M-1.83M-6.25M-7.59M-7.32M-23.10M-18.15M-31.72M--9.31M-12.01M-30.96M-19.93M
Capital Expenditure -317.53K-361.21K-568.73K-1.42M-2.02M-2.74M-2.46M-2.88M-1.86M-1.49M-3.20M--5.68M-9.19M-7.42M-5.56M
Free Cash Flow 3.91M8.65M8.12M13.88M7.67M14.17M20.11M17.01M22.53M19.43M30.89M-30.52M-1.76M22.42M25.38M
Net Change in Cash -------------1.86M-11.28M623.00K-3.82M
Share Buybacks 378.77K5.94M3.98M4.26M1.06M5.48M6.22M246.00K29.00K19.00K6.00K0133.00K959.00K1.10M0
Dividends Paid 639.73K599.24K603.33K657.91K650.43K789.91K1.37M7.07M23.02M18.13M31.72M37.55M9.18M11.05M29.86M19.93M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------238.6%197.4%154.4%180.8%231.7%-8.4%9.6%12.0%12.9%
ROE % 6.1%6.5%9.7%11.5%7.0%8.8%12.6%14.5%12.5%16.4%19.7%-9.9%8.6%12.3%13.1%
ROCE % ----------------

Shareholding Pattern

Insiders
25.02%
Institutions
53.06%
Public Float
70.76%

Top Institutional Holders

#Holder% HeldSharesValue
1 Markel Group Inc 11.30% 213.30K $50.07M
2 Blackrock Inc. 5.82% 109.83K $25.78M
3 Dimensional Fund Advisors LP 3.87% 73.06K $17.15M
4 Vanguard Capital Management LLC 3.21% 60.62K $14.23M
5 Two Sigma Investments, LP 2.68% 50.65K $11.89M
6 Geode Capital Management, LLC 1.97% 37.27K $8.75M
7 Goldman Sachs Group Inc 1.65% 31.10K $7.30M
8 State Street Corporation 1.57% 29.62K $6.95M
9 Third Avenue Management, LLC 1.16% 21.89K $5.14M
10 Morgan Stanley 1.01% 19.07K $4.48M

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