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Investors Title (ITIC) Financials

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$232.79 +0.77 (+0.33%)
Closing price 04:00 PM Eastern
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$234.02 +1.24 (+0.53%)
As of 04:53 PM Eastern
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Annual Income Statements for Investors Title

Annual Income Statements for Investors Title

This table shows Investors Title's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 31 22 24
Consolidated Net Income / (Loss)		 31 22 24
Net Income / (Loss) Continuing Operations		 31 22 24
Total Pre-Tax Income 		39 26 30
Total Revenue		 258 225 283
Net Interest Income / (Expense)		 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00
Total Non-Interest Income		 258 225 283
Service Charges on Deposit Accounts		 17 19 14
Other Service Charges		 22 22 27
Net Realized & Unrealized Capital Gains on Investments		 4.68 3.45 -11
Premiums Earned		 204 171 249
Investment Banking Income		 11 9.06 4.70
Total Non-Interest Expense		 219 199 253
Salaries and Employee Benefits		 180 160 207
Net Occupancy & Equipment Expense		 18 17 17
Property & Liability Insurance Claims		 4.53 4.76 4.26
Other Operating Expenses		 17 16 25
Income Tax Expense		 8.39 4.54 6.21
Basic Earnings per Share		 $16.48 $11.45 $12.60
Weighted Average Basic Shares Outstanding		 1.89M 1.89M 1.90M
Diluted Earnings per Share		 $16.43 $11.45 $12.59
Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.90M
Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.89M 1.90M
Cash Dividends to Common per Share		 $15.84 $5.84 $4.84

Quarterly Income Statements for Investors Title

This table shows Investors Title's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Consolidated Net Income / (Loss)		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Net Income / (Loss) Continuing Operations		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Total Pre-Tax Income 		11 12 11 5.80 6.21 8.61 9.85 1.56 9.27 10
Total Revenue		 71 69 65 53 54 61 58 51 65 78
Total Non-Interest Income		 71 69 65 53 54 61 58 51 67 78
Service Charges on Deposit Accounts		 4.28 4.31 4.30 4.30 4.72 4.64 4.57 5.31 5.03 3.68
Other Service Charges		 5.66 5.96 5.85 4.03 5.35 5.45 6.50 4.55 4.36 8.59
Net Realized & Unrealized Capital Gains on Investments		 0.04 0.98 1.24 2.42 2.73 -0.82 1.09 0.44 5.23 -2.15
Premiums Earned		 58 55 51 40 38 50 44 39 49 67
Investment Banking Income		 2.83 2.74 2.57 2.52 2.52 2.31 2.15 2.07 - 1.23
Total Non-Interest Expense		 60 57 54 48 47 53 48 50 56 68
Salaries and Employee Benefits		 50 47 45 38 38 43 39 40 46 55
Net Occupancy & Equipment Expense		 4.34 4.39 4.31 4.47 4.24 4.21 4.51 4.40 4.39 4.27
Property & Liability Insurance Claims		 1.05 1.67 0.91 0.91 0.87 1.84 0.99 1.07 0.80 1.97
Other Operating Expenses		 4.87 4.04 4.20 3.84 4.47 3.86 3.81 4.17 5.03 6.61
Income Tax Expense		 2.45 2.27 2.40 1.27 0.38 1.53 2.26 0.38 1.75 2.18
Basic Earnings per Share		 $4.43 $4.94 $4.71 $2.40 $3.08 $3.75 $4.00 $0.62 $3.97 $4.17
Weighted Average Basic Shares Outstanding		 1.89M 1.88M 1.88M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M 1.90M
Diluted Earnings per Share		 $4.41 $4.92 $4.70 $2.40 $3.08 $3.75 $4.00 $0.62 $3.97 $4.17
Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M 1.90M
Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.88M 1.88M 1.88M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M

Annual Cash Flow Statements for Investors Title

This table details how cash moves in and out of Investors Title's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 0.62 -11 -1.86
Net Cash From Operating Activities		 30 7.43 36
Net Cash From Continuing Operating Activities		 30 7.43 36
Net Income / (Loss) Continuing Operations		 31 22 24
Consolidated Net Income / (Loss)		 31 22 24
Depreciation Expense		 3.32 2.76 2.30
Amortization Expense		 -2.25 -2.34 1.55
Non-Cash Adjustments to Reconcile Net Income		 -5.78 -11 5.10
Changes in Operating Assets and Liabilities, net		 3.48 -3.97 3.35
Net Cash From Investing Activities		 1.75 -6.70 -29
Net Cash From Continuing Investing Activities		 1.75 -6.70 -29
Purchase of Property, Leasehold Improvements and Equipment		 -7.42 -9.19 -5.68
Purchase of Investment Securities		 -199 -210 -125
Sale of Property, Leasehold Improvements and Equipment		 0.28 0.53 0.03
Sale and/or Maturity of Investments		 208 212 102
Net Cash From Financing Activities		 -31 -12 -9.32
Net Cash From Continuing Financing Activities		 -31 -12 -9.32
Repurchase of Common Equity		 -1.10 -0.96 -0.13
Payment of Dividends		 -30 -11 -9.18
Other Financing Activities, Net		 0.00 0.00 -0.00
Cash Income Taxes Paid		 6.62 8.69 15

Quarterly Cash Flow Statements for Investors Title

This table details how cash moves in and out of Investors Title's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -0.81 -1.22 5.07 -2.42 -6.38 4.23 -3.37 -5.76 -6.07 5.89
Net Cash From Operating Activities		 12 7.82 8.43 1.44 14 0.70 5.67 -13 16 12
Net Cash From Continuing Operating Activities		 12 7.82 8.43 1.44 14 0.70 5.64 -13 16 12
Net Income / (Loss) Continuing Operations		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Consolidated Net Income / (Loss)		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Depreciation Expense		 0.83 0.79 0.91 0.79 0.76 0.70 0.67 0.64 0.62 0.57
Amortization Expense		 -0.08 -0.62 -0.66 -0.89 -0.66 -0.63 -0.51 -0.53 0.32 0.27
Non-Cash Adjustments to Reconcile Net Income		 0.26 -1.95 -1.85 -2.25 -4.07 -0.02 -3.68 -2.95 -5.22 1.65
Changes in Operating Assets and Liabilities, net		 2.78 0.28 1.16 -0.73 12 -6.43 1.57 -11 13 1.61
Net Cash From Investing Activities		 14 -8.18 -2.45 -1.94 -12 4.40 -7.21 8.21 -15 -5.16
Net Cash From Continuing Investing Activities		 14 -8.18 -2.45 -1.94 -12 4.40 -7.21 8.21 -15 -5.16
Purchase of Property, Leasehold Improvements and Equipment		 -1.35 -1.73 -2.11 -2.23 -2.57 -1.60 -2.72 -2.30 -1.70 -1.53
Purchase of Investment Securities		 -41 -42 -74 -41 -67 -43 -73 -26 -54 -16
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.22 0.01 0.02 0.12 0.06 0.11 0.24 -0.07 0.06
Sale and/or Maturity of Investments		 57 36 74 41 58 49 69 36 40 12
Net Cash From Financing Activities		 -27 -0.87 -0.91 -1.92 -8.43 -0.87 -1.83 -0.87 -6.61 -0.96
Net Cash From Continuing Financing Activities		 -27 -0.87 -0.91 -1.92 -8.43 -0.87 -1.83 -0.87 -6.61 -0.96
Repurchase of Common Equity		 -0.00 - -0.05 -1.05 - - -0.96 0.00 -0.05 -0.09
Payment of Dividends		 -27 -0.87 -0.87 -0.87 -8.43 -0.87 -0.87 -0.87 -6.56 -0.87
Other Financing Activities, Net		 -0.00 - - - - - - - - -
Cash Income Taxes Paid		 0.98 2.50 3.15 0.00 1.72 3.24 3.73 0.00 0.16 5.49

Annual Balance Sheets for Investors Title

This table presents Investors Title's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 334 331 340
Cash and Due from Banks		 25 24 35
Trading Account Securities		 153 101 106
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Accrued Investment Income		 1.47 0.98 0.87
Premises and Equipment, Net		 28 24 18
Unearned Premiums Asset		 16 13 19
Intangible Assets		 15 16 18
Other Assets		 96 151 143
Total Liabilities & Shareholders' Equity		 334 331 340
Total Liabilities		 82 79 99
Other Short-Term Payables		 34 32 47
Claims and Claim Expense		 37 37 37
Other Long-Term Liabilities		 11 10.00 15
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 252 252 241
Total Preferred & Common Equity		 252 252 241
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 252 252 241
Common Stock		 0.00 0.00 0.00
Retained Earnings		 251 251 241
Accumulated Other Comprehensive Income / (Loss)		 0.36 0.64 0.20

Quarterly Balance Sheets for Investors Title

This table presents Investors Title's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 352 340 329 332 330 324 333
Cash and Due from Banks		 25 27 22 30 26 30 41
Trading Account Securities		 141 130 99 96 93 95 108
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.47 1.32 1.09 1.11 0.95 0.92 0.97
Premises and Equipment, Net		 27 27 25 22 21 19 17
Unearned Premiums Asset		 14 13 13 17 17 17 23
Intangible Assets		 15 16 16 17 17 17 18
Other Assets		 127 126 153 148 155 145 125
Total Liabilities & Shareholders' Equity		 352 340 329 332 330 324 333
Total Liabilities		 81 79 76 79 83 82 94
Other Short-Term Payables		 34 31 28 31 34 31 42
Claims and Claim Expense		 37 37 37 37 37 37 38
Other Long-Term Liabilities		 9.71 9.84 10 11 12 14 14
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 271 262 254 253 247 242 239
Total Preferred & Common Equity		 271 262 254 253 247 242 239
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 271 262 254 253 247 242 239
Common Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Retained Earnings		 270 262 254 253 247 241 240
Accumulated Other Comprehensive Income / (Loss)		 1.09 0.17 0.35 -0.76 0.16 0.56 -0.75

Annual Metrics And Ratios for Investors Title

This table displays calculated financial ratios and metrics derived from Investors Title's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 14.93% -20.69% -13.99%
EBITDA Growth		 52.09% -21.51% -61.57%
EBIT Growth		 50.45% -12.88% -64.55%
NOPAT Growth		 43.29% -9.28% -64.33%
Net Income Growth		 43.29% -9.28% -64.33%
EPS Growth		 43.49% -9.05% -64.31%
Operating Cash Flow Growth		 301.83% -79.49% -30.28%
Free Cash Flow Firm Growth		 176.86% -6.97% -68.77%
Invested Capital Growth		 0.09% 4.37% 5.21%
Revenue Q/Q Growth		 7.02% -4.99% -8.27%
EBITDA Q/Q Growth		 14.88% -12.76% -30.11%
EBIT Q/Q Growth		 13.19% -10.45% -32.68%
NOPAT Q/Q Growth		 8.85% -7.23% -32.27%
Net Income Q/Q Growth		 8.85% -7.23% -32.27%
EPS Q/Q Growth		 8.81% -7.21% -32.17%
Operating Cash Flow Q/Q Growth		 -6.28% -19.09% -0.93%
Free Cash Flow Firm Q/Q Growth		 211.58% 14.31% -71.17%
Invested Capital Q/Q Growth		 -7.20% -0.44% 0.82%
Profitability Metrics		 - - -
EBITDA Margin		 15.69% 11.86% 11.98%
EBIT Margin		 15.28% 11.67% 10.62%
Profit (Net Income) Margin		 12.03% 9.65% 8.43%
Tax Burden Percent		 78.74% 82.68% 79.39%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 21.26% 17.32% 20.61%
Return on Invested Capital (ROIC)		 12.35% 8.81% 10.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 12.26% 4.52% 5.10%
Operating Return on Assets (OROA)		 11.88% 7.83% 8.97%
Return on Assets (ROA)		 9.36% 6.47% 7.12%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 12.34% 8.62% 9.92%
Net Operating Profit after Tax (NOPAT)		 31 22 24
NOPAT Margin		 12.03% 9.65% 8.43%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 76.41% 78.95% 79.12%
Operating Expenses to Revenue		 84.72% 88.33% 89.38%
Earnings before Interest and Taxes (EBIT)		 39 26 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 41 27 34
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.77 1.15 1.11
Price to Tangible Book Value (P/TBV)		 1.88 1.23 1.20
Price to Revenue (P/Rev)		 1.73 1.29 0.94
Price to Earnings (P/E)		 14.36 13.32 11.20
Dividend Yield		 6.69% 1.20% 1.30%
Earnings Yield		 6.97% 7.51% 8.93%
Enterprise Value to Invested Capital (EV/IC)		 1.67 1.05 0.96
Enterprise Value to Revenue (EV/Rev)		 1.63 1.18 0.82
Enterprise Value to EBITDA (EV/EBITDA)		 10.40 9.94 6.84
Enterprise Value to EBIT (EV/EBIT)		 10.68 10.10 7.72
Enterprise Value to NOPAT (EV/NOPAT)		 13.56 12.21 9.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.12 35.66 6.42
Enterprise Value to Free Cash Flow (EV/FCFF)		 13.66 23.77 19.40
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00
Leverage Ratio		 1.32 1.36 1.43
Compound Leverage Factor		 1.32 1.36 1.43
Debt to Total Capital		 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 31 11 12
Operating Cash Flow to CapEx		 417.46% 85.78% 640.21%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00
Efficiency Ratios		 - - -
Asset Turnover		 0.78 0.67 0.84
Fixed Asset Turnover		 9.97 10.79 18.39
Capital & Investment Metrics		 - - -
Invested Capital		 252 252 241
Invested Capital Turnover		 1.03 0.91 1.21
Increase / (Decrease) in Invested Capital		 0.22 11 12
Enterprise Value (EV)		 421 265 232
Market Capitalization		 446 289 268
Book Value per Share		 $133.63 $133.05 $127.05
Tangible Book Value per Share		 $125.63 $124.46 $117.77
Total Capital		 252 252 241
Total Debt		 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -25 -24 -35
Capital Expenditures (CapEx)		 7.15 8.66 5.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.07 0.42 3.85
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $16.48 $11.45 $12.60
Adjusted Weighted Average Basic Shares Outstanding		 1.89M 1.89M 1.90M
Adjusted Diluted Earnings per Share		 $16.43 $11.45 $12.59
Adjusted Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.90M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.89M 1.90M
Normalized Net Operating Profit after Tax (NOPAT)		 31 22 24
Normalized NOPAT Margin		 12.03% 9.65% 8.43%
Pre Tax Income Margin		 15.28% 11.67% 10.62%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00
Payout Ratios		 - - -
Dividend Payout Ratio		 96.11% 50.95% 38.41%
Augmented Payout Ratio		 99.65% 55.37% 38.97%

Quarterly Metrics And Ratios for Investors Title

This table displays calculated financial ratios and metrics derived from Investors Title's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 31.56% 12.08% 12.12% 4.12% -18.03% -21.27% -17.75% -25.59% -28.06% -4.20%
EBITDA Growth		 83.21% 35.61% 15.19% 241.39% -38.17% -20.66% 149.44% -81.08% -58.89% -43.17%
EBIT Growth		 74.01% 34.59% 14.43% 271.36% -33.01% -14.65% 233.42% -79.97% -61.18% -45.28%
NOPAT Growth		 43.28% 31.49% 16.95% 283.15% -22.46% -10.48% 232.82% -80.91% -60.21% -45.44%
Net Income Growth		 43.28% 31.49% 16.95% 283.15% -22.46% -10.48% 232.82% -80.91% -60.21% -45.44%
EPS Growth		 43.18% 31.20% 17.50% 287.10% -22.42% -10.07% 233.33% -80.92% -60.06% -45.35%
Operating Cash Flow Growth		 -14.14% 1,014.10% 48.81% 110.98% -11.02% -94.15% -18.40% -1,070.50% -2.09% -37.46%
Free Cash Flow Firm Growth		 273.01% -42.60% 12.28% 6.93% -7.00% -146.15% -725.14% 39.22% 54.91% 179.31%
Invested Capital Growth		 0.09% 7.38% 5.89% 5.01% 4.37% 5.70% 6.04% 4.02% 5.21% -2.55%
Revenue Q/Q Growth		 2.61% 5.27% 22.30% -0.42% -12.58% 5.31% 13.58% -21.61% -16.03% 10.01%
EBITDA Q/Q Growth		 -1.69% 2.12% 102.41% -9.84% -27.23% -13.26% 499.88% -83.67% -6.61% 172.69%
EBIT Q/Q Growth		 -6.71% 2.85% 94.36% -6.70% -27.84% -12.55% 530.75% -83.17% -8.07% 241.62%
NOPAT Q/Q Growth		 -10.23% 5.01% 96.04% -22.46% -17.62% -6.61% 542.25% -84.31% -4.89% 247.21%
Net Income Q/Q Growth		 -10.23% 5.01% 96.04% -22.46% -17.62% -6.61% 542.25% -84.31% -4.89% 247.21%
EPS Q/Q Growth		 -10.37% 4.68% 95.83% -22.08% -17.87% -6.25% 545.16% -84.38% -4.80% 247.50%
Operating Cash Flow Q/Q Growth		 55.34% -7.26% 486.85% -89.84% 1,915.53% -87.61% 143.29% -182.33% 32.41% 72.92%
Free Cash Flow Firm Q/Q Growth		 187.27% -63.91% 25.10% -61.47% 28.08% -0.83% 20.53% -85.65% -131.02% 1,265.80%
Invested Capital Q/Q Growth		 -7.20% 3.63% 3.09% 0.96% -0.44% 2.19% 2.24% 0.34% 0.82% 2.51%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 16.37% 17.09% 17.62% 10.65% 11.76% 14.12% 17.15% 3.25% 15.59% 14.02%
EBIT Margin		 15.31% 16.84% 17.23% 10.84% 11.57% 14.02% 16.88% 3.04% 14.16% 12.93%
Profit (Net Income) Margin		 11.84% 13.53% 13.57% 8.46% 10.87% 11.54% 13.01% 2.30% 11.49% 10.15%
Tax Burden Percent		 77.35% 80.38% 78.73% 78.06% 93.93% 82.28% 77.04% 75.66% 81.15% 78.44%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.65% 19.62% 21.27% 21.94% 6.07% 17.72% 22.96% 24.34% 18.85% 21.56%
Return on Invested Capital (ROIC)		 12.15% 12.47% 12.47% 7.75% 9.92% 11.10% 13.71% 2.58% 13.85% 12.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 12.26% 3.78% 4.62% 5.21% 4.52% 3.97% 4.22% 4.03% 5.10% 17.16%
Operating Return on Assets (OROA)		 11.91% 11.88% 12.02% 7.53% 7.76% 9.98% 13.04% 2.48% 11.96% 11.96%
Return on Assets (ROA)		 9.21% 9.55% 9.46% 5.88% 7.29% 8.21% 10.04% 1.87% 9.70% 9.38%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.52% 10.05% 9.86% 0.00% 9.25% 9.79% 7.81% 0.00% 14.76%
Net Operating Profit after Tax (NOPAT)		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
NOPAT Margin		 11.84% 13.53% 13.57% 8.46% 10.87% 11.54% 13.01% 2.30% 11.49% 10.15%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 76.31% 74.87% 74.96% 80.28% 78.48% 76.69% 74.88% 86.76% 76.94% 76.08%
Operating Expenses to Revenue		 84.69% 83.16% 82.77% 89.16% 88.43% 85.98% 83.12% 96.96% 85.84% 87.07%
Earnings before Interest and Taxes (EBIT)		 11 12 11 5.80 6.21 8.61 9.85 1.56 9.27 10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12 12 12 5.69 6.31 8.67 10 1.67 10 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.77 1.60 1.30 1.21 1.15 1.07 1.08 1.14 1.11 1.05
Price to Tangible Book Value (P/TBV)		 1.88 1.69 1.38 1.29 1.23 1.14 1.16 1.22 1.20 1.13
Price to Revenue (P/Rev)		 1.73 1.79 1.45 1.36 1.29 1.14 1.05 1.03 0.94 0.81
Price to Earnings (P/E)		 14.36 15.17 12.89 12.29 13.32 11.54 11.02 14.54 11.20 7.09
Dividend Yield		 6.69% 0.80% 1.02% 1.13% 1.20% 1.29% 1.31% 1.27% 1.30% 1.40%
Earnings Yield		 6.97% 6.59% 7.76% 8.13% 7.51% 8.66% 9.07% 6.88% 8.93% 14.11%
Enterprise Value to Invested Capital (EV/IC)		 1.67 1.50 1.19 1.13 1.05 0.95 0.97 1.01 0.96 0.87
Enterprise Value to Revenue (EV/Rev)		 1.63 1.69 1.34 1.26 1.18 1.01 0.95 0.92 0.82 0.68
Enterprise Value to EBITDA (EV/EBITDA)		 10.40 11.55 9.71 9.33 9.94 7.84 7.33 9.14 6.84 4.30
Enterprise Value to EBIT (EV/EBIT)		 10.68 11.69 9.81 9.39 10.10 8.17 7.82 10.27 7.72 4.67
Enterprise Value to NOPAT (EV/NOPAT)		 13.56 14.27 11.88 11.43 12.21 10.24 9.94 12.98 9.72 5.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.12 12.80 12.65 13.03 35.66 26.08 11.74 11.27 6.42 5.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 13.66 41.15 26.60 22.17 23.77 24.56 23.74 25.67 19.40 5.02
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 1.32 1.31 1.32 1.32 1.36 1.35 1.36 1.38 1.43 1.38
Compound Leverage Factor		 1.32 1.31 1.32 1.32 1.36 1.35 1.36 1.38 1.43 1.38
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 8.14 -9.33 -5.69 -7.60 -4.71 -6.54 -6.49 -8.17 -4.40 14
Operating Cash Flow to CapEx		 920.38% 516.58% 401.38% 64.93% 579.17% 45.35% 217.29% -636.15% 899.38% 815.83%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.78 0.71 0.70 0.69 0.67 0.71 0.77 0.81 0.84 0.92
Fixed Asset Turnover		 9.97 9.74 9.81 10.20 10.79 12.22 13.72 16.32 18.39 19.36
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 252 271 262 254 252 253 247 242 241 239
Invested Capital Turnover		 1.03 0.92 0.92 0.92 0.91 0.96 1.05 1.12 1.21 1.28
Increase / (Decrease) in Invested Capital		 0.22 19 15 12 11 14 14 9.35 12 -6.26
Enterprise Value (EV)		 421 407 313 286 265 239 241 245 232 209
Market Capitalization		 446 433 339 308 289 270 267 275 268 250
Book Value per Share		 $133.63 $144.02 $138.98 $134.33 $133.05 $133.64 $130.30 $127.51 $127.05 $125.99
Tangible Book Value per Share		 $125.63 $135.87 $130.68 $125.91 $124.46 $124.87 $121.38 $118.40 $117.77 $116.53
Total Capital		 252 271 262 254 252 253 247 242 241 239
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -25 -25 -27 -22 -24 -30 -26 -30 -35 -41
Capital Expenditures (CapEx)		 1.32 1.51 2.10 2.21 2.44 1.55 2.61 2.06 1.77 1.47
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.75 0.18 0.25 -0.11 0.10 0.06 0.15 0.11 0.94 0.84
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.43 $4.94 $4.71 $2.40 $3.08 $3.75 $4.00 $0.62 $3.97 $4.17
Adjusted Weighted Average Basic Shares Outstanding		 1.89M 1.88M 1.88M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M 1.90M
Adjusted Diluted Earnings per Share		 $4.41 $4.92 $4.70 $2.40 $3.08 $3.75 $4.00 $0.62 $3.97 $4.17
Adjusted Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M 1.90M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.88M 1.88M 1.88M 1.89M 1.89M 1.89M 1.90M 1.90M 1.90M
Normalized Net Operating Profit after Tax (NOPAT)		 8.36 9.32 8.87 4.53 5.84 7.08 7.59 1.18 7.53 7.91
Normalized NOPAT Margin		 11.84% 13.53% 13.57% 8.46% 10.87% 11.54% 13.01% 2.30% 11.49% 10.15%
Pre Tax Income Margin		 15.31% 16.84% 17.23% 10.84% 11.57% 14.02% 16.88% 3.04% 14.16% 12.93%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 96.11% 38.65% 41.93% 44.12% 50.95% 39.27% 37.93% 48.58% 38.41% 106.53%
Augmented Payout Ratio		 99.65% 42.49% 46.11% 52.15% 55.37% 43.57% 42.45% 48.58% 38.97% 106.78%

Frequently Asked Questions About Investors Title's Financials

When does Investors Title's fiscal year end?

According to the most recent income statement we have on file, Investors Title's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Investors Title's net income changed over the last 2 years?

Investors Title's net income appears to be on an upward trend, with a most recent value of $31.07 million in 2024, rising from $23.90 million in 2022. The previous period was $21.69 million in 2023.

How has Investors Title revenue changed over the last 2 years?

Over the last 2 years, Investors Title's total revenue changed from $283.39 million in 2022 to $258.30 million in 2024, a change of -8.9%.

How much debt does Investors Title have?

Investors Title's total liabilities were at $81.80 million at the end of 2024, a 3.5% increase from 2023, and a 17.2% decrease since 2022.

How much cash does Investors Title have?

In the past 2 years, Investors Title's cash and equivalents has ranged from $24.03 million in 2023 to $35.31 million in 2022, and is currently $24.65 million as of their latest financial filing in 2024.

How has Investors Title's book value per share changed over the last 2 years?

Over the last 2 years, Investors Title's book value per share changed from 127.05 in 2022 to 133.63 in 2024, a change of 5.2%.


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This page (NASDAQ:ITIC) was last updated on 5/30/2025 by MarketBeat.com Staff
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