8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
Feb 17, 2026·SEC
Material company update
Nov 5, 2025·SEC
Investors Title Company(ITIC)Earnings, Financials & Key Ratios
ITIC•NASDAQ•Insurance & Managed Care
$276.75
14.9× P/E·Price updated Jul 7, 2026
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 Price & Volume
Investors Title Company (ITIC) stock price & volume — 10-year historical chart
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Cyclical Revenue Volatility Masks Fortress Balance Sheet
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the company maintains a strong balance sheet with a debt-to-equity ratio of 0.03
Growth:Mixed
Profitability:Moderate
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Regional geographic concentration risk
Key Thesis Takeaways
- Investors Title Company maintains a fortress-like balance sheet with a near-total absence of long-term debt, providing significant resilience against the inherent volatility of its regional real estate market.
- However, the company's heavy geographic concentration in North Carolina and inconsistent underwriting performance, evidenced by combined ratios fluctuating from 79.3% to 92.8%, suggest that earnings durability remains highly sensitive to local transaction volumes.
- Investors should monitor whether the company can sustain its dividend yield of 3.8% through future cycles without relying on portfolio liquidations, as recent cash flow generation has shown significant quarterly variance.
Verdict Logic
the forward P/E of 45.07 suggests that current market pricing may be overestimating future earnings stability given the historical volatility in underwriting margins.
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
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$3.20
—
Rev
$64M
—
Q1 2026
Feb 17, 2026Metric
Actual
Est
EPS
$3.97
—
Rev
$70M
—
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$6.45
—
Rev
—
—
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$6.48
—
Rev
$74M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $3.20 | $64M |
| Q1 2026 | Feb 17, 2026 | $3.97 | $70M |
| Q4 2025 | Nov 5, 2025 | $6.45 | — |
| Q3 2025 | Aug 6, 2025 | $6.48 | $74M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Investors Title Company (ITIC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $276.75 | $522.5M | 14.90 | 5.6% | 12.9% | 13.53% | 3.8% | |
| $49.32 | $13.27B | 22.32 | 8.61% | 5.15% | 8.5% | — | |
| $71.05 | $7.27B | 11.84 | 21.64% | 11.19% | 12.54% | — | |
| $67.58 | $2.06B | 16.73 | 17.32% | 4.19% | 8.32% | — | |
| $51.22 | $1.76B | 31.23 | 8.99% | 5.58% | 4.06% | — | |
| $64.60 | $5.95B | 9.36 | -0.49% | 53.34% | 12.01% | — |
Compare ITIC vs Peers
Investors Title Company (ITIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ITIC SEC Filings & Documents
Investors Title Company (ITIC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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ITIC Frequently Asked Questions
Investors Title Company (ITIC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Investors Title Company growing?
Investors Title Company (ITIC) grew revenue by 5.6% over the past year. This is steady growth.
Is ITIC profitable?
Yes, Investors Title Company (ITIC) is profitable, generating $38.1M in net income for fiscal year 2025 (12.9% net margin).
Dividend & Returns
Does ITIC pay dividends?
Yes, Investors Title Company (ITIC) pays a dividend with a yield of 3.80%. This makes it attractive for income-focused investors.
What is ITIC's return on equity?
Investors Title Company (ITIC) has a return on equity (ROE) of 13.5%. This is reasonable for most industries.
Industry Metrics
What is Investors Title Company's combined ratio?
Investors Title Company (ITIC) has a combined ratio of 83.7%. A ratio below 100% indicates underwriting profitability.