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Investors Title Company

ITIC Financial Insurance Specialty

Investors Title Company’s revenue for fiscal 2025 (year ended December 2025) was $272.8 million, up 5.60% from fiscal 2024.

Revenue
+17.5%
EPS
+19.1%
Free cash flow
−18.5%

Quarter to June 2026, against a year earlier

262.13 0.83 +0.32%
Market cap
$493.3M
P/E
12.2×
Fwd P/E
5.6×
Dividend yield
0.70%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.23
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — 1 — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 24.79%

Capital & Financial Ratios $m

Size
Market Cap 493.33
Revenue ttm 293.06
Net income ttm 40.43
Free cash flow ttm 26.45
Net debt Q (20.46)
Valuation
P/E 12.22
Forward P/E 5.59
Price / sales 1.69
Forward P/S Powerpack
Price / FCF 18.68
Price / book 1.72
Financial health
Current ratio Q 0.52
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +17.45% (above 0%: growing)
Operating income growth Q +23.09% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +39.17% (at or above 10%: strong)
EPS, past 5 yrs −2.24% (below 0%: weak)
EPS, next 5 yrs A +4.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.71%
10-year low 10-year high
P/S against its own 10 years 57.35%
10-year low 10-year high
P/B against its own 10 years 70.19%
10-year low 10-year high

Dividends

Yield
0.70%
Annual rate
1.84
Payout ratio
8.62%
Growth, 2018–26
−1.83%/yr
  1. 1.60 ’18
  2. 1.20 ’19 −25
  3. 1.32 ’20 +10
  4. 1.82 ’21 +38
  5. 1.84 ’22 +1
  6. 1.38 ’23 −25
  7. 1.38 ’24 +0
  8. 1.84 ’25 +33
  9. 1.38 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 24 25 21 20
Receivables 14 16 19 19
Inventory — — — —
Other — — — —
38 41 40 40
2023 2024 2025 Q'26
Payables 69 71 80 77
ST’ Debt — — — —
Other — — — —
69 71 80 77

Compound Annual Growth %

10y 5y 3y
Sales 7.93% 2.90% (1.27%)
Cash Flow 6.22% (1.92%) (5.10%)
Earnings 10.87% (2.25%) 13.75%
Book Value 6.51% 6.01% 3.64%

EPS $

Mar Jun Sep Dec Year
’26 3.20 7.73 — — —
’25 1.67 6.48 6.45 3.97 18.57
’24 2.40 4.70 4.92 4.41 16.43
’23 0.62 4.00 3.75 3.09 11.45
’22 3.25 1.20 4.17 3.97 12.59
’21 7.29 10.42 7.63 9.94 35.28
’20 (3.71) 7.65 8.07 8.77 20.80
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 64 87 — — —
’25 57 74 73 70 273
’24 53 65 69 71 258
’23 51 58 61 54 225
’22 69 71 78 65 283
’21 72 85 81 91 329
’20 30 62 68 77 236
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 2 8 — — —
’25 0 9 17 5 31
’24 1 8 8 12 30
’23 (13) 6 1 14 7
’22 1 7 12 16 36
’21 8 8 19 16 52
’20 2 14 6 12 34
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1 6 — — —
’25 (1) 8 16 4 26
’24 (1) 6 6 11 23
’23 (15) 3 (1) 12 (1)
’22 0 5 11 14 31
’21 7 9 18 18 52
’20 1 13 5 11 31
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 138 162 156 184 236 329 283 225 258 273 293 +7.8% — — — —
Gross margin, % 53.87 55.48 58.12 58.41 52.62 54.93 55.60 60.78 56.69 56.64 56.22 +2.8 pt
EBT 28 30 27 40 50 85 30 26 39 45 52 +5.2%
EBT margin, % 20.31 18.73 17.32 21.70 21.01 25.78 10.62 11.67 15.28 16.33 17.70 (4.0) pt
Net income 20 26 22 31 39 67 24 22 31 35 40 +6.8%
Per share, $
Per share, $ Revenue 72.58 85.70 82.81 97.19 124.95 173.97 149.39 118.73 137.03 144.54 155.22 +8.0%
Earnings 10.23 13.63 11.60 16.66 20.84 35.38 12.60 11.45 16.48 18.64 21.41 +6.9%
Cash flow 11.83 10.55 12.92 11.08 18.02 27.42 19.08 3.92 15.83 16.40 16.90 +3.7%
Capex (1.24) (1.50) (0.95) (0.63) (1.65) 0.11 (2.98) (4.57) (3.79) (2.67) (2.89) +8.9%
Free cash flow 10.59 9.05 11.97 10.45 16.37 27.53 16.10 (0.65) 12.04 13.72 14.01 +2.9%
Book value 81.31 94.34 93.08 101.36 105.93 120.95 127.05 132.89 133.57 142.18 151.79 +6.4%
Shares, m 2 2 2 2 2 2 2 2 2 2 2 (0.1%)
Valuation, ×
Valuation, × P/E 15.46 14.56 15.23 9.56 7.35 5.57 11.67 14.28 14.36 13.39 12.22 12.1
P/S 2.19 2.32 2.13 1.64 1.22 1.13 0.98 1.38 1.73 1.73 1.69 1.6
P/B 1.96 2.10 1.90 1.57 1.44 1.63 1.16 1.23 1.77 1.76 1.72 1.7
EV/Sales 1.99 2.19 2.01 1.50 1.17 1.02 0.86 1.27 1.63 1.65 — 1.5
EV/FCF 13.63 20.76 13.93 13.92 8.90 6.45 7.97 (232.20) 18.58 17.38 — (11.1)
Cash, $m
Cash, $m Operating cash flow 23 20 24 21 34 52 36 7 30 31 32 +3.6%
Capex (2) (3) (2) (1) (3) 0 (6) (9) (7) (5) (5) +8.8%
Free cash flow 20 17 23 20 31 52 31 (1) 23 26 26 +2.8%
Balance, $m
Balance, $m Working capital (25) (32) (29) (21) (36) (21) (29) (31) (30) (40) (38) +5.4%
Net debt (28) (20) (19) (26) (14) (37) (35) (24) (25) (21) (20) (3.2%)
Shareholders’ equity 155 178 176 191 200 229 241 252 252 268 287 +6.3%
Returns, %
Returns, % ROA 8.86 10.76 8.88 12.38 14.42 21.82 7.12 6.47 9.36 10.10 11.14 +1.2 pt
ROIC 13.82 12.00 10.78 15.05 16.62 27.66 9.15 7.21 10.86 11.25 12.18 (2.6) pt
ROE 13.11 15.44 12.38 17.14 20.12 31.21 10.17 8.81 12.35 13.53 14.63 +0.4 pt
People
People Employees 320 383 385 402 456 562 655 571 550 574 — +6.7%
Revenue/emp, $m 0.43 0.42 0.41 0.46 0.52 0.59 0.43 0.39 0.47 0.48 — +1.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Investors Title Company vs peers in Insurance Specialty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RDN Radian Group Inc. $4.9B 9.5× 8.8× +92.58% (above 0%: growing) −17.48% (below 0%: shrinking) +147.96% (above 0%: growing) 50.35% 30.09% Compare
NMIH NMI Holdings Inc $3.3B 8.5× 8.0× +8.12% (above 0%: growing) +13.82% (above 0%: growing) +10.69% (above 0%: growing) 93.00% 76.67% Compare
AGO Assured Guaranty Ltd. $3.2B 9.6× 11.1× −30.60% (below 0%: shrinking) −57.89% (below 0%: shrinking) −48.72% (below 0%: shrinking) 97.95% 42.05% Compare
EIG Employers Holdings Inc $826.5M 27.7× 13.0× −20.89% (below 0%: shrinking) n/m −142.36% (below 0%: shrinking) 8.35% 8.35% Compare
ITIC Investors Title Company $493.3M 12.2× 5.6× +17.45% (above 0%: growing) +19.05% (above 0%: growing) −18.47% (below 0%: shrinking) 55.58% 22.48%
AMSF AMERISAFE, Inc. $376.8M 9.4× 9.6× −2.64% (below 0%: shrinking) −46.58% (below 0%: shrinking) −71.31% (below 0%: shrinking) 23.88% 11.27% Compare
OSG Octave Specialty Group, Inc. $231.6M — (loss-making) — (loss-making) +51.02% (above 0%: growing) n/m −576.08% (below 0%: shrinking) 76.26% (0.47%) Compare
MBI MBIA, Inc. $227.5M — (loss-making) — (loss-making) +73.33% (above 0%: growing) n/m −181.11% (below 0%: shrinking) 0.00% 0.00% Compare
JRVR James River Group Holdings, Ltd. $185.0M 7.8× 5.5× −7.72% (below 0%: shrinking) +66.67% (above 0%: growing) −124.07% (below 0%: shrinking) 38.58% 9.26% Compare
Median of peers $601.7M 9.4× 9.2× +2.74% −17.48% −97.69% 44.47% 10.26%

All 15 Insurance Specialty stocks →

Pay and ownership Proxy statement filed 13 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 952.84k 952.84k 211.45
2024 928.70k 928.70k 192.64
2023 731.23k 731.23k 124.27
2022 1.62m 1.62m 108.78
2021 1.56m 1.56m 140.95

Ownership

Directors and executive officers, together 25.96%
Markel Corporation 11.30%
J. Allen Fine 10.41%
W. Morris Fine 9.47%
James A. Fine, Jr. 9.45%
BlackRock, Inc 6.42%
Groveland Capital LLC 5.91%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Investors Title Company (ITIC) Latest News

5 Nov

Impact 4 · · Business Wire
Impact 3 · · Business Wire
Impact 3 · · Simply Wall St.
Impact 3 · · Associated Press Finance

28 Oct

Impact 3 · · Zacks

6 Aug

Impact 4 ·
Impact 4 · · Business Wire
Impact 3 ·

13 May

Impact 4 · · Zacks

7 May

Impact 3 · · Business Wire

24 Mar

Impact 3 · · Zacks

23 Feb

Impact 3 · · Zacks

17 Feb

Impact 4 · · Business Wire
Impact 3 · · Associated Press Finance

4 Feb

Impact 4 ·

9 Jan

Impact 3 · · Simply Wall St.

19 Dec

Impact 4 · · Simply Wall St.

10 Dec

Impact 3 · · Business Wire

9 Dec

Impact 3 · · ZacksZacksZacksZacksZacksStockStoryBarchartZacks

26 Nov

Impact 4 ·

11 Nov

Impact 4 · · Zacks

10 Nov

Impact 3 · · Business Wire

23 Oct

Impact 3 · · Simply Wall St.

26 Sep

Impact 4 · · Simply Wall St.

24 Sep

Impact 4 ·

28 Aug

Impact 3 · · Simply Wall St.

12 Aug

Impact 4 · · Zacks

7 Aug

Impact 4 · · Simply Wall St.

18 Jul

Impact 3 · · Simply Wall St.

14 Jul

Impact 3 · · Simply Wall St.
stockrow.com/ITIC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com