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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash-to-Debt No Debt
ITIC's Cash-to-Debt is ranked higher than
99% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.17 vs. ITIC: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
ITIC' s Cash-to-Debt Range Over the Past 10 Years
Min: N/A  Med: No Debt Max: No Debt
Current: No Debt
N/A
No Debt
Equity-to-Asset 0.69
ITIC's Equity-to-Asset is ranked higher than
94% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.34 vs. ITIC: 0.69 )
Ranked among companies with meaningful Equity-to-Asset only.
ITIC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.62  Med: 0.68 Max: 0.89
Current: 0.69
0.62
0.89
Interest Coverage No Debt
ITIC's Interest Coverage is ranked higher than
99% of the 67 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 461.09 vs. ITIC: No Debt )
Ranked among companies with meaningful Interest Coverage only.
ITIC' s Interest Coverage Range Over the Past 10 Years
Min: 1.56  Med: No Debt Max: No Debt
Current: No Debt
WACC vs ROIC
7.38%
18.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 21.13
ITIC's Operating Margin % is ranked higher than
83% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.63 vs. ITIC: 21.13 )
Ranked among companies with meaningful Operating Margin % only.
ITIC' s Operating Margin % Range Over the Past 10 Years
Min: -4.52  Med: 13 Max: 21.13
Current: 21.13
-4.52
21.13
Net Margin % 14.65
ITIC's Net Margin % is ranked higher than
69% of the 70 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.91 vs. ITIC: 14.65 )
Ranked among companies with meaningful Net Margin % only.
ITIC' s Net Margin % Range Over the Past 10 Years
Min: -1.66  Med: 9.3 Max: 14.65
Current: 14.65
-1.66
14.65
ROE % 14.62
ITIC's ROE % is ranked higher than
83% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.40 vs. ITIC: 14.62 )
Ranked among companies with meaningful ROE % only.
ITIC' s ROE % Range Over the Past 10 Years
Min: -1.25  Med: 7.96 Max: 14.62
Current: 14.62
-1.25
14.62
ROA % 10.03
ITIC's ROA % is ranked higher than
93% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.62 vs. ITIC: 10.03 )
Ranked among companies with meaningful ROA % only.
ITIC' s ROA % Range Over the Past 10 Years
Min: -0.82  Med: 5.37 Max: 10.03
Current: 10.03
-0.82
10.03
3-Year Revenue Growth Rate 6.00
ITIC's 3-Year Revenue Growth Rate is ranked higher than
57% of the 56 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.60 vs. ITIC: 6.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ITIC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -35  Med: 11.6 Max: 107.8
Current: 6
-35
107.8
3-Year EBITDA Growth Rate 12.30
ITIC's 3-Year EBITDA Growth Rate is ranked higher than
77% of the 48 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.10 vs. ITIC: 12.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ITIC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.85 Max: 49.5
Current: 12.3
0
49.5
3-Year EPS without NRI Growth Rate 12.90
ITIC's 3-Year EPS without NRI Growth Rate is ranked higher than
79% of the 47 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.70 vs. ITIC: 12.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ITIC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -25.8  Med: 13.3 Max: 57.8
Current: 12.9
-25.8
57.8
GuruFocus has detected 3 Warning Signs with Investors Title Co $ITIC.
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» ITIC's 30-Y Financials

Financials (Next Earnings Date: 2017-08-03 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Insurance - Specialty » Insurance - Specialty    NAICS: 524127    SIC: 6361
Compare:NAS:TRUP, NAS:ICCH, NYSE:FAC, NAS:AMBC, NAS:GLRE, NYSE:EIG, NYSE:OB, OTCPK:LCSHF, OTCPK:GMICF, NYSE:RDN, NYSE:MTG, NYSE:FAF, NYSE:AGO, OTCPK:MPFRY, NYSE:FNF » details
Headquarter Location:USA
Investors Title Co is engaged in the issuance of residential and commercial title insurance through ITIC and NITIC. It also provides tax-deferred real property exchange services, investment management and trust services.

Investors Title Co was incorporated in the state of North Carolina in 1973. The Company is a holding company that operates through its subsidiaries. The Company's primary business activity, and its only reportable operating segment, is the issuance of residential and commercial title insurance through ITIC and NITIC. Additionally, the Company provides tax-deferred real property exchange services through its subsidiaries, Investors Title Exchange Corporation and Investors Title Accommodation Corporation; investment management and trust services to individuals, trusts and other entities through its subsidiary Investors Trust Company; and management services to title insurance agencies through its subsidiary, Investors Title Management Services. Through its two wholly-owned title underwriting subsidiaries, ITIC and NITIC, the Company underwrites title insurance for owners and mortgagees as a primary insurer. ITIC and NITIC offer primary title insurance coverage to owners and mortgagees of real estate and assume reinsurance of title insurance risks from other title insurance companies. The commitments and policies are predominantly issued using standard forms approved by the American Land Title Association. The Company markets its title insurance services to customers in the residential and commercial market sectors of the real estate industry. Issuing agents are typically real estate attorneys or subsidiaries of community and regional mortgage lending institutions, depending on local customs and regulations.

Ratios

vs
industry
vs
history
PE Ratio 16.73
ITIC's PE Ratio is ranked lower than
69% of the 65 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.65 vs. ITIC: 16.73 )
Ranked among companies with meaningful PE Ratio only.
ITIC' s PE Ratio Range Over the Past 10 Years
Min: 7.38  Med: 12.92 Max: 125.74
Current: 16.73
7.38
125.74
PE Ratio without NRI 16.73
ITIC's PE Ratio without NRI is ranked lower than
70% of the 66 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.62 vs. ITIC: 16.73 )
Ranked among companies with meaningful PE Ratio without NRI only.
ITIC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.38  Med: 12.92 Max: 125.74
Current: 16.73
7.38
125.74
Price-to-Owner-Earnings 16.50
ITIC's Price-to-Owner-Earnings is ranked lower than
71% of the 34 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.37 vs. ITIC: 16.50 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ITIC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.84  Med: 14.32 Max: 1216
Current: 16.5
6.84
1216
PB Ratio 2.30
ITIC's PB Ratio is ranked lower than
81% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.04 vs. ITIC: 2.30 )
Ranked among companies with meaningful PB Ratio only.
ITIC' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 2.34
Current: 2.3
0.5
2.34
PS Ratio 2.44
ITIC's PS Ratio is ranked lower than
72% of the 68 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.43 vs. ITIC: 2.44 )
Ranked among companies with meaningful PS Ratio only.
ITIC' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.2 Max: 2.49
Current: 2.44
0.68
2.49
Price-to-Free-Cash-Flow 18.02
ITIC's Price-to-Free-Cash-Flow is ranked lower than
61% of the 44 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 15.17 vs. ITIC: 18.02 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ITIC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.95  Med: 12.83 Max: 116.77
Current: 18.02
5.95
116.77
Price-to-Operating-Cash-Flow 15.84
ITIC's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.44 vs. ITIC: 15.84 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ITIC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.23  Med: 11.69 Max: 2356.43
Current: 15.84
5.23
2356.43
EV-to-EBIT 10.27
ITIC's EV-to-EBIT is ranked lower than
59% of the 58 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.91 vs. ITIC: 10.27 )
Ranked among companies with meaningful EV-to-EBIT only.
ITIC' s EV-to-EBIT Range Over the Past 10 Years
Min: -61.2  Med: 7 Max: 14
Current: 10.27
-61.2
14
EV-to-EBITDA 9.73
ITIC's EV-to-EBITDA is ranked lower than
57% of the 58 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.38 vs. ITIC: 9.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
ITIC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -34.5  Med: 6.6 Max: 149.1
Current: 9.73
-34.5
149.1
PEG Ratio 0.89
ITIC's PEG Ratio is ranked lower than
61% of the 28 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.70 vs. ITIC: 0.89 )
Ranked among companies with meaningful PEG Ratio only.
ITIC' s PEG Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.83 Max: 6.8
Current: 0.89
0.12
6.8
Shiller PE Ratio 40.23
ITIC's Shiller PE Ratio is ranked lower than
100% of the 20 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 16.55 vs. ITIC: 40.23 )
Ranked among companies with meaningful Shiller PE Ratio only.
ITIC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.99  Med: 14.23 Max: 40.88
Current: 40.23
5.99
40.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.49
ITIC's Dividend Yield % is ranked lower than
97% of the 111 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.28 vs. ITIC: 0.49 )
Ranked among companies with meaningful Dividend Yield % only.
ITIC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 0.52 Max: 1.4
Current: 0.49
0.37
1.4
Dividend Payout Ratio 0.07
ITIC's Dividend Payout Ratio is ranked higher than
89% of the 54 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.39 vs. ITIC: 0.07 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ITIC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.13
Current: 0.07
0.05
0.13
3-Year Dividend Growth Rate 31.00
ITIC's 3-Year Dividend Growth Rate is ranked higher than
89% of the 36 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.80 vs. ITIC: 31.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ITIC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.1 Max: 31
Current: 31
0
31
Forward Dividend Yield % 0.72
ITIC's Forward Dividend Yield % is ranked lower than
99% of the 100 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.62 vs. ITIC: 0.72 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.10
ITIC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 109 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.40 vs. ITIC: 1.10 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ITIC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.83  Med: 1.17 Max: 3.15
Current: 1.1
0.83
3.15
3-Year Average Share Buyback Ratio 2.70
ITIC's 3-Year Average Share Buyback Ratio is ranked higher than
72% of the 40 Companies
in the Global Insurance - Specialty industry.

( Industry Median: -0.10 vs. ITIC: 2.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ITIC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.5  Med: 1.4 Max: 9.2
Current: 2.7
-8.5
9.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.49
ITIC's Price-to-Tangible-Book is ranked lower than
83% of the 66 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.16 vs. ITIC: 2.49 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ITIC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.66  Med: 1.23 Max: 3.04
Current: 2.49
0.66
3.04
Price-to-Intrinsic-Value-Projected-FCF 1.22
ITIC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
67% of the 33 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.84 vs. ITIC: 1.22 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ITIC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.59 Max: 2.15
Current: 1.22
0.25
2.15
Price-to-Median-PS-Value 2.04
ITIC's Price-to-Median-PS-Value is ranked lower than
90% of the 63 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.01 vs. ITIC: 2.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ITIC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.52  Med: 1.05 Max: 10
Current: 2.04
0.52
10
Price-to-Peter-Lynch-Fair-Value 1.22
ITIC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
53% of the 17 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.21 vs. ITIC: 1.22 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ITIC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.24  Med: 0.46 Max: 2.02
Current: 1.22
0.24
2.02
Price-to-Graham-Number 1.36
ITIC's Price-to-Graham-Number is ranked lower than
81% of the 58 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.87 vs. ITIC: 1.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ITIC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.77 Max: 1.93
Current: 1.36
0.49
1.93
Earnings Yield (Greenblatt) % 9.73
ITIC's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 70 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.23 vs. ITIC: 9.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ITIC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -16.8  Med: 13.5 Max: 30.1
Current: 9.73
-16.8
30.1
Forward Rate of Return (Yacktman) % 16.97
ITIC's Forward Rate of Return (Yacktman) % is ranked higher than
59% of the 34 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 15.63 vs. ITIC: 16.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ITIC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 3.7  Med: 12.8 Max: 99
Current: 16.97
3.7
99

More Statistics

Revenue (TTM) (Mil) $151.43
EPS (TTM) $ 11.66
Beta0.87
Short Percentage of Float1.34%
52-Week Range $86.18 - 199.75
Shares Outstanding (Mil)1.89
» More Articles for ITIC

Headlines

Articles On GuruFocus.com
Tom Gayner's Holdings Trading Below the Peter Lynch Value Oct 29 2015 
Investor Title Co: Sound and Stable Jul 14 2014 
Investor Title Company: Worth $115 Per Share May 20 2014 
Investors Title Company – Owner-Operated Net-Net Nov 23 2011 
An Undervalued, Profitable Insurance Company -- Investors Title (ITIC) Apr 04 2011 
Investors Title Company Represents Value in Midst of Housing Turmoil Nov 30 2010 
Investors Title Company Reports Operating Results (10-Q) Oct 29 2010 
Investors Title Company Reports Operating Results (10-Q) Aug 02 2010 
Investors Title Company Reports Operating Results (10-Q) Apr 30 2010 
Investors Title Company Reports Operating Results (10-Q) Oct 30 2009 

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