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ITIC

Investors Title Company

ITIC

Investors Title Company • NASDAQ
$278.91 ▼ -1.10% (-3.11)
Market Cap $526.46 M
52w High $288.98
52w Low $190.20
Dividend Yield 15.84%
P/E 14.69
Volume 8.94K
Outstanding Shares 1.89M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $6.47 ▼ $0 ▼
Q2-2025 $73.649M ▲ $57.851M ▲ $12.278M ▲ 16.671% ▲ $6.51 ▲ $14.144M ▲
Q1-2025 $56.565M ▼ $27.332M ▼ $3.171M ▼ 5.606% ▼ $1.68 ▼ $5.707M ▼
Q4-2024 $70.628M ▲ $58.77M ▲ $8.362M ▼ 11.839% ▼ $4.44 ▼ $11.918M ▼
Q3-2024 $68.829M $57.241M $9.315M 13.534% $4.94 $12.659M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $142.072M ▲ $363.322M ▲ $85.31M ▲ $278.012M ▲
Q2-2025 $135.928M ▲ $345.824M ▲ $79.647M ▲ $266.177M ▲
Q1-2025 $129.319M ▼ $333.781M ▲ $79.369M ▼ $254.412M ▲
Q4-2024 $196.727M ▲ $333.571M ▼ $81.798M ▲ $251.773M ▼
Q3-2024 $153.667M $351.986M $80.673M $271.313M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $12.214M ▼ $17.158M ▲ $-23.214M ▼ $-868K $-6.924M ▼ $15.812M ▲
Q2-2025 $12.278M ▲ $8.86M ▲ $-5.912M ▼ $-868K $2.08M ▼ $7.305M ▲
Q1-2025 $3.171M ▼ $-75K ▼ $3.892M ▼ $-868K ▲ $2.949M ▲ $-1.406M ▼
Q4-2024 $8.362M ▼ $12.149M ▲ $14.308M ▲ $-27.267M ▼ $-810K ▲ $10.801M ▲
Q3-2024 $9.315M $7.821M $-8.177M $-866K $-1.222M $6.088M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Escrow TitleRelated And Other Fees
Escrow TitleRelated And Other Fees
 $10.00M ▲$0 ▼$10.00M ▲$0 ▼
Investment Related Revenue
Investment Related Revenue
 $10.00M ▲$0 ▼$10.00M ▲$10.00M ▲
Net Premiums Written
Net Premiums Written
 $110.00M ▲$50.00M ▼$50.00M ▲$60.00M ▲
NonTitle Services
NonTitle Services
 $10.00M ▲$0 ▼$10.00M ▲$10.00M ▲
Other Resources Miscellaneous
Other Resources Miscellaneous
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has moved with the real estate cycle: it climbed strongly into 2021, then pulled back, with a modest rebound more recently but still below the prior peak. The company has remained profitable throughout, but earnings have been quite volatile, which is typical for a title insurer exposed to swings in housing and refinancing activity. Margins tightened after the boom period as transaction volumes cooled, yet operating profit has stayed in positive territory, showing decent cost control. Overall, this is a business that makes money consistently but with earnings that can rise or fall quickly as real estate conditions change.

Balance Sheet

Balance Sheet The balance sheet looks conservative and steady. Total assets have been stable over the past few years, while shareholders’ equity has gradually grown, signaling retained profits and a solid capital base. Debt is very low relative to the size of the business, which reduces financial risk and gives the company flexibility during slower markets. Cash balances are modest but appear adequate for ongoing operations, especially given the recurring cash generation and low leverage. For an insurer, this profile points to financial strength and a cautious, safety-first posture.

Cash Flow

Cash Flow Cash flow from operations has been positive each year, though it fluctuates with profitability and market cycles. Free cash flow has generally been positive as well, dipping in one year but recovering afterwards, which suggests the business usually produces more cash than it needs to maintain itself. Capital spending has been relatively small and predictable, indicating that the company does not require heavy investment to keep running or to support its key initiatives. Overall, the cash flow picture is that of a mature, cash-generative business with manageable investment needs.

Competitive Edge

Competitive Edge In a commoditized title insurance market, ITIC leans on expertise, relationships, and service rather than sheer scale. Its strong ties to independent agents, emphasis on underwriting support, and concentration of legal and technical know‑how create a relationship-driven moat that is not easy for large, process-heavy competitors to copy. Financial strength and claims-paying ability further support its reputation with lenders, attorneys, and real estate professionals. The main competitive challenge is that business volumes are heavily tied to interest rates and property activity, so even a strong niche position cannot fully offset industry cycles.

Innovation and R&D

Innovation and R&D Innovation here is practical rather than flashy. The company has rolled out tools for validating closing documents, strengthened wire-fraud and cybersecurity protections, and embraced digital and electronic closing processes. It augments its own capabilities with partnerships for secure fund transfers and fraud prevention, allowing it to access advanced technology without overspending on in‑house development. These efforts aim to make life easier and safer for agents and clients, not to reinvent the industry, reflecting a culture of steady, incremental improvement rather than big, risky R&D bets.

Summary

Investors Title comes across as a disciplined, niche financial services company anchored by a conservative balance sheet, consistent (if cyclical) profitability, and dependable cash generation. Its strength lies in specialized expertise, strong agent relationships, and targeted technology that streamlines closings and enhances security. At the same time, results remain sensitive to housing and refinancing cycles, which can drive sharp swings in revenue and earnings from year to year. Long term, the combination of financial prudence, incremental innovation, and a relationship-first business model positions the company to benefit when real estate activity is healthy, while its low leverage and solid capital base help it weather weaker periods.

NEWS

November 10, 2025 · 4:15 PM UTC

Investors Title Company Board Declares Special Cash Dividend and Regular Quarterly Cash Dividend

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November 5, 2025 · 8:29 AM UTC

Investors Title Company Announces Third Quarter 2025 Results

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