IBTN (InsCorp) Margin of Safety % (DCF Earnings Based): -9.98% (As of Jun. 24, 2026)


IBTN InsCorp Inc IBTN
66 GF Score
Price $27.78
GF Value $27.90
Valuation Fairly Valued
! 5 Warning Signs
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What is InsCorp Margin of Safety % (DCF Earnings Based)?

InsCorp IBTN 66 Margin of Safety % (DCF Earnings Based) is -9.98% as of Jun. 24, 2026. GuruFocus rates IBTN with a GF Score™ of 66/100 and a GF Value™ of $27.90 (Fairly Valued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), InsCorp's Predictability Rank is 3-Stars. InsCorp's intrinsic value calculated from the Discounted Earnings model is $25.26 and current share price is $27.78. Consequently,

InsCorp's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -9.98%.

IBTN vs CZBT, ORPB, FSMK: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, InsCorp's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

InsCorp Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, InsCorp's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where InsCorp's Margin of Safety % (DCF Earnings Based) falls into.


IBTN
66GF Score
InsCorp Inc IBTN
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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InsCorp Margin of Safety % (DCF Earnings Based) Calculation

InsCorp's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(25.26-27.78)/25.26
=-9.98 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -9.98% mean?
InsCorp (IBTN) has a Margin of Safety % (DCF Earnings Based) of -9.98% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on InsCorp.
Is InsCorp's Margin of Safety % (DCF Earnings Based) too high?
InsCorp's current Margin of Safety % (DCF Earnings Based) is -9.98%. Overall, InsCorp has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does InsCorp's Margin of Safety % (DCF Earnings Based) compare to CZBT and ORPB?
InsCorp's Margin of Safety % (DCF Earnings Based) of -9.98% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on InsCorp. InsCorp's current Margin of Safety % (DCF Earnings Based) is -9.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InsCorp stock overvalued right now?
Based on GuruFocus' analysis, InsCorp (IBTN) is currently considered Fairly Valued. The stock's GF Value™ is $27.90, compared to a current price of $27.78 — trading 0.4% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -9.98%. InsCorp's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For InsCorp (IBTN), the current Margin of Safety % (DCF Earnings Based) is -9.98% as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is InsCorp (IBTN) Overvalued in 2026?

Based on GuruFocus' analysis, InsCorp stock appears to be undervalued. The current stock price of $27.78 is trading 0.4% below its estimated GF Value™ of $27.90. GuruFocus considers InsCorp to be Fairly Valued.

Key valuation signals for IBTN:

  • Margin of Safety % (DCF Earnings Based): -9.98%
  • GF Value™: $27.90 vs. price of $27.78 (0.4% below fair value)
  • GF Score™: 66/100 with 5 warning signs

No single metric tells the full story. See the IBTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

InsCorp Business Description

Address 2106 Crestmoor Road, Nashville, TN, USA, 37215
InsCorp Inc along with its subsidiary, is engaged in the origination and sale of mortgage loans on the secondary market. The company is a full-service financial institution that provides business and personal banking as well as mortgage lending. Its primary deposit products are demand and money market deposits and certificates of deposit, and its primary lending products are commercial loans, real estate loans, and lines of credit.
66GF Score

Get the complete analysis for IBTN

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.78
Price
$27.90
GF Value