ITIC · Investors Title Co - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $272.75M | $258.30M | $224.75M | $283.39M | $329.50M | $236.41M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $228.21M | $218.84M | $198.52M | $253.28M | $186.75M | - |
| D&A | $3.62M | $3.32M | $2.76M | $2.30M | $1.89M | $1.76M |
| Operating Income | $44.55M | $39.46M | $26.23M | $30.11M | $84.93M | $49.66M |
| Interest Expense | - | - | - | - | - | - |
| Income Tax | $9.37M | $8.39M | $4.54M | $6.21M | $17.91M | $10.24M |
| Net Income | $35.18M | $31.07M | $21.69M | $23.90M | $67.02M | $39.42M |
| EPS - Basic | $18.64 | $16.48 | $11.45 | $12.60 | $35.38 | $20.84 |
| EPS - Diluted | $18.57 | $16.43 | $11.45 | $12.59 | $35.28 | $20.80 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $20.84M | $24.65M | $24.03M | $35.31M | $37.17M | $13.72M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $363.14M | $333.57M | $330.56M | $339.76M | $331.49M | $282.93M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $94.84M | $81.80M | $79.01M | $98.75M | $102.40M | $82.50M |
| Stockholders' Equity | $268.30M | $251.77M | $251.55M | $241.01M | $229.09M | $175.64M |
| Retained Earnings | $267.21M | $251.42M | $250.91M | $240.81M | $225.86M | $196.10M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $30.94M | $29.84M | $7.43M | $36.20M | $51.93M | $34.09M |
| Investing Cash Flow | ($14.82M) | $1.75M | ($6.70M) | ($28.75M) | $9.07M | ($14.60M) |
| Financing Cash Flow | ($19.93M) | ($30.96M) | ($12.01M) | ($9.31M) | ($37.55M) | ($31.72M) |
| CapEx | $5.56M | $7.42M | $9.19M | $5.68M | $6.53M | $3.20M |
| Free Cash Flow | $25.38M | $22.42M | ($1.76M) | $30.52M | $45.40M | $30.89M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 16.3% | 15.3% | 11.7% | 10.6% | 25.8% | 21.0% |
| EBITDA margin | 17.7% | 16.6% | 12.9% | 11.4% | 26.4% | 21.8% |
| Net margin | 12.9% | 12.0% | 9.6% | 8.4% | 20.3% | 16.7% |
| Free cash flow margin | 9.3% | 8.7% | -0.8% | 10.8% | 13.8% | 13.1% |
| FCF / Net income | 0.72 | 0.72 | -0.08 | 1.28 | 0.68 | 0.78 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.0% | 21.3% | 17.3% | 20.6% | 21.1% | 20.6% |
| Return on assets | 9.7% | 9.3% | 6.6% | 7.0% | 20.2% | 13.9% |
| Return on equity | 13.1% | 12.3% | 8.6% | 9.9% | 29.3% | 22.4% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - |
| Equity multiplier | 1.35 | 1.32 | 1.31 | 1.41 | 1.45 | 1.61 |
| Liabilities / Assets | 0.26 | 0.25 | 0.24 | 0.29 | 0.31 | 0.29 |
| Efficiency | ||||||
| Asset turnover | 0.75 | 0.77 | 0.68 | 0.83 | 0.99 | 0.84 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.4x | 14.4x | 14.2x | 11.7x | 5.6x | 7.4x |
| P / B | 1.8x | 1.8x | 1.2x | 1.2x | 1.6x | 1.7x |
| P / S | 1.7x | 1.7x | 1.4x | 1.0x | 1.1x | 1.2x |
| EV / EBITDA | 9.4x | 9.9x | 9.8x | 7.6x | 3.9x | 5.4x |
| Growth | ||||||
| Revenue growth (YoY) | 5.6% | 14.9% | -20.7% | -14.0% | 39.4% | 28.8% |
| Revenue CAGR (3y) | -1.3% | -7.8% | -1.7% | 15.6% | 28.2% | 13.5% |
| Revenue CAGR (5y) | 2.9% | 7.1% | 7.5% | 11.9% | 18.9% | 13.2% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 12.9% | 50.4% | -12.9% | -64.6% | 71.0% | 24.7% |
| Net income growth (YoY) | 13.2% | 43.3% | -9.3% | -64.3% | 70.0% | 25.3% |
| EPS growth (YoY) | 13.0% | 43.5% | -9.1% | -64.3% | 69.6% | 25.4% |
| EPS CAGR (3y) | 13.8% | -22.5% | -18.0% | -8.8% | 45.1% | 15.3% |
| EPS CAGR (5y) | -2.2% | -0.2% | -0.2% | -1.5% | 28.2% | 27.0% |
| FCF growth (YoY) | 13.2% | - | - | -32.8% | 46.9% | 59.0% |
| FCF CAGR (5y) | -3.9% | 2.9% | - | 12.4% | 17.7% | 16.9% |
| Book value growth (YoY) | 6.6% | 0.1% | 4.4% | 5.2% | 30.4% | -1.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$290.95M totalTitle Insurance$263.03M · 90.4%
Exchange Services$14.01M · 4.8%
All Other Segments$13.92M · 4.8%
Product / service
$40.91M totalNon Title Services$21.60M · 52.8%
Escrow Title Related And Other Fees$19.31M · 47.2%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Title Insurance
Comparing INVESTORS TITLE CO against the 5 most active filers in the same SIC group.
Dividends
$10.56/share trailing 12 months · -33.3% YoY
| Ex-date | Per share |
|---|---|
| Mar 23, 2026 | $0.4600 |
| Dec 1, 2025 | $9.1800 |
| Sep 2, 2025 | $0.4600 |
| Jun 13, 2025 | $0.4600 |
| Mar 24, 2025 | $0.4600 |
| Dec 2, 2024 | $14.4600 |
| Sep 3, 2024 | $0.4600 |
| Jun 14, 2024 | $0.4600 |
| Mar 15, 2024 | $0.4600 |
| Nov 30, 2023 | $4.4600 |
| Aug 31, 2023 | $0.4600 |
| Jun 14, 2023 | $0.4600 |
| Mar 20, 2023 | $0.4600 |
| Nov 30, 2022 | $3.4600 |
| Aug 31, 2022 | $0.4600 |
| Jun 14, 2022 | $0.4600 |
| Mar 18, 2022 | $0.4600 |
| Nov 30, 2021 | $18.4600 |
| Aug 31, 2021 | $0.4600 |
| Jun 14, 2021 | $0.4600 |
| Mar 22, 2021 | $0.4400 |
| Nov 30, 2020 | $15.4400 |
| Aug 31, 2020 | $0.4400 |
| Jun 12, 2020 | $0.4400 |