Investors Title Company

ITIC

Insurance - Specialty · Financial Services

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Strong

Cash Flow

Good

Stability

Good

Valuation

Good

Dividends

Mixed

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Winston Score History

The full picture

Investors Title Company is a small insurance company based in Chapel Hill, North Carolina. It sells title insurance, which protects homebuyers and lenders if a problem with a property's ownership history shows up after a sale. Its main customers are people buying homes, mortgage lenders, and real estate attorneys, mostly in the southeastern United States.

The company earns money by collecting premiums on title insurance policies and fees for related services like title searches and closing support. It operates primarily through a network of independent agents across roughly 20 states, keeping its footprint regional rather than national. Investors Title is much smaller than giants like Fidelity National Financial or First American, which means it competes on local relationships rather than scale. Its biggest risk is tied directly to the housing market — when interest rates are high and home sales slow down, fewer policies are written and revenue falls.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+17.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+19.0% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

18.9%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$151M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Investors Title Company is a rare growth stock that's already generating positive cash flow while growing at 17%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

-73.5%

Thin — -73.5% gross margin

Profit after running costs

Operating Margin

-8.9%

Losing money on operations — -8.9%

Return on the money invested

ROCE

8.6%

Below par — 8.6% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+8.7%

Steady sales growth (+8.7% YoY)

Profit growth

EPS YoY

+21.9%

Earnings growing fast (+21.9% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

81%

Modest — 81% of profit becomes cash

Spare cash per sale

FCF Margin

9.3%

Modest free cash flow (9.3%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.5x

no trend

Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

3.64%

no trend

Moderate income — 3.64% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

-33.3%

no trend

Dividend cut (-33.3% YoY) — warning sign

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