Investors Title Financials

ITIC Stock  USD 243.24  1.24  0.51%   
Based on the measurements of operating efficiency obtained from Investors Title's historical financial statements, Investors Title is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in January. At present, Investors Title's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 263.5 M, whereas Short and Long Term Debt Total is forecasted to decline to about 3.8 M. Key indicators impacting Investors Title's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.0965
Way Up
Pretty Stable
Return On Assets0.10.0656
Way Up
Pretty Stable
Return On Equity0.140.0862
Way Up
Pretty Stable
Debt Equity Ratio0.02940.0309
Notably Down
Slightly volatile
Operating Income15.3 M26.2 M
Way Down
Slightly volatile
Current Ratio6.316.6416
Notably Down
Very volatile
The financial analysis of Investors Title is a critical element in measuring its lifeblood. Investors should not minimize Investors Title's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

12.02 Million

  
Understanding current and past Investors Title Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Investors Title's financial statements are interrelated, with each one affecting the others. For example, an increase in Investors Title's assets may result in an increase in income on the income statement.
Please note, the presentation of Investors Title's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Investors Title's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Investors Title's management manipulating its earnings.

Investors Title Stock Summary

Investors Title competes with James River, Employers Holdings, AMERISAFE, Essent, and ICC Holdings. Investors Title Company, through its subsidiaries, engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. The company was founded in 1972 and is headquartered in Chapel Hill, North Carolina. Investors Title operates under InsuranceSpecialty classification in the United States and is traded on NASDAQ Exchange. It employs 5 people.
Specialization
Financial Services, Insurance - Specialty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4618041069
CUSIP461804106
LocationNorth Carolina; U.S.A
Business Address121 North Columbia
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.invtitle.com
Phone919 968 2200
CurrencyUSD - US Dollar

Investors Title Key Financial Ratios

Investors Title Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets263.9M282.9M331.5M339.8M330.6M347.1M
Net Debt(21.4M)(10.1M)(31.8M)(28.5M)(17.6M)(18.5M)
Retained Earnings188.3M196.1M225.9M240.8M250.9M263.5M
Other Assets(96.8M)(106.4M)(91.9M)(125.7M)(36.0M)(37.8M)
Total Liab72.5M82.5M102.4M98.7M79.0M41.8M
Net Receivables13.6M20.5M23.8M21.1M15.4M9.5M
Total Current Assets157.3M167.1M186.7M214.0M211.6M201.0M
Other Current Liab(28.3M)(36.7M)(47.2M)(92.2M)(1.1M)(1.0M)
Accounts Payable28.3M36.0M43.9M47.1M31.9M16.6M
Cash25.9M13.7M37.2M35.3M24.0M15.0M
Other Liab32.3M8.6M13.1M7.7M6.9M6.6M
Other Current Assets62.4M9.4M11.7M173.0M13.5M14.2M
Intangible Assets5.9M5.4M8.7M8.0M6.6M3.6M
Net Tangible Assets181.1M190.0M213.1M223.4M256.9M175.3M
Inventory(62.4M)(88.2M)(124.6M)(173.0M)(213.5M)(202.8M)
Net Invested Capital191.4M200.4M229.1M241.0M251.6M230.5M

Investors Title Key Income Statement Accounts

201920202021202220232024 (projected)
Total Revenue183.5M236.4M329.5M283.4M224.8M236.0M
Gross Profit183.5M236.4M329.5M283.4M224.8M236.0M
Operating Income39.1M49.0M80.2M30.1M26.2M15.3M
Ebit39.1M49.7M84.9M30.1M26.2M16.0M
Ebitda41.4M51.9M87.4M33.7M30.4M17.2M
Net Income31.5M39.4M67.0M23.9M21.7M12.0M
Income Tax Expense8.4M10.2M17.9M6.2M4.5M3.8M
Income Before Tax39.8M49.7M84.9M30.1M26.2M17.9M
Cost Of Revenue72.0M65.4M76.3M85.3M98.1M76.0M
Tax Provision8.4M10.2M17.9M6.2M4.5M8.7M
Interest Income4.8M4.4M3.8M4.7M9.1M5.6M

Investors Title Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash7.3M(12.2M)23.4M(1.9M)(11.3M)(10.7M)
Free Cash Flow19.4M30.9M45.4M30.5M(1.8M)(1.7M)
Depreciation2.3M2.3M2.4M3.6M4.1M4.3M
Other Non Cash Items(13.6M)(5.0M)(20.6M)9.7M(5.8M)(5.5M)
Dividends Paid18.1M31.7M37.6M9.2M11.0M11.6M
Capital Expenditures1.5M3.2M6.5M5.7M9.2M9.6M
Net Income31.5M39.4M67.0M23.9M21.7M13.3M
End Period Cash Flow25.9M13.7M37.2M35.3M24.0M12.8M
Change To Netincome(7.8M)(620K)(14.0M)8.9M8.0M8.4M
Investments5.7M28.3M7.9M(18.2M)(6.7M)(6.4M)
Change Receivables(4.9M)(6.1M)(5.2M)2.4M2.2M2.3M

Investors Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Investors Title's current stock value. Our valuation model uses many indicators to compare Investors Title value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Investors Title competition to find correlations between indicators driving Investors Title's intrinsic value. More Info.
Investors Title is rated below average in return on equity category among its peers. It is rated third overall in return on asset category among its peers reporting about  0.58  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Investors Title is roughly  1.73 . At present, Investors Title's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Investors Title's earnings, one of the primary drivers of an investment's value.

Investors Title Systematic Risk

Investors Title's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Investors Title volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Investors Title correlated with the market. If Beta is less than 0 Investors Title generally moves in the opposite direction as compared to the market. If Investors Title Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Investors Title is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Investors Title is generally in the same direction as the market. If Beta > 1 Investors Title moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Investors Title Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Investors Title's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Investors Title growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.49)

At present, Investors Title's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Investors Title December 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Investors Title help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Investors Title. We use our internally-developed statistical techniques to arrive at the intrinsic value of Investors Title based on widely used predictive technical indicators. In general, we focus on analyzing Investors Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Investors Title's daily price indicators and compare them against related drivers.

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When running Investors Title's price analysis, check to measure Investors Title's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Investors Title is operating at the current time. Most of Investors Title's value examination focuses on studying past and present price action to predict the probability of Investors Title's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Investors Title's price. Additionally, you may evaluate how the addition of Investors Title to your portfolios can decrease your overall portfolio volatility.
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