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    Investors Title (ITIC)

    Market Price (10/28/2026): $273.15 | Market Cap: $515.7 MilSector: Financials | Industry: Life & Health Insurance

    Investors Title (ITIC)

    Market Price (10/28/2026): $273.15
    Market Cap: $515.7 Mil
    Sector: Financials
    Industry: Life & Health Insurance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 5.1%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -18%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%

    Low stock price volatility
    Vol 12M is 29%

    Megatrend and thematic drivers
    Megatrends include Smart Buildings & Proptech. Themes include Digital Real Estate Transaction Platforms.

    Weak multi-year price returns
    2Y Excs Rtn is -2.7%

    Key risks
    ITIC key risks include [1] increased claims and reduced profitability from the cyclical real estate market, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 5.1%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -18%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%
    3 Low stock price volatility
    Vol 12M is 29%
    4 Megatrend and thematic drivers
    Megatrends include Smart Buildings & Proptech. Themes include Digital Real Estate Transaction Platforms.
    5 Weak multi-year price returns
    2Y Excs Rtn is -2.7%
    6 Key risks
    ITIC key risks include [1] increased claims and reduced profitability from the cyclical real estate market, Show more.

    ITIC in ETFs

    Weight = ITIC's share of each fund

    VTI0.00%
    IWM0.02%
    IWN0.03%
    AVUV0.02%
    VTWO0.01%
    DFAS0.01%
    DFAC0.00%
    IWV0.00%

    Valuation & Metrics

    null
    ITICS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)0.3
    Rev Chg Q17.7%9.1%
    Rev Chg LTM8.7%8.5%
    Rev Chg 3Y Avg5.6%6.1%
    PROFITABILITYFAIR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM10.9%21.9%
    Net Inc Mgn13.8%13.3%
    VALUATIONLOW
    P/S1.83.2
    P/CFO16.215.2
    P/FCF19.619.9
    P/E12.822.6

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employees5507222025Link
    U.S. Market Share1%12312021Link
    North Carolina Market Share23%12312021Link

    Price Chart

    Upcoming
    11/05/2026Earnings ReleaseRev: -
    EPS: -

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 10/1/2026

    Investors Title (ITIC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Strong Second Quarter Fiscal 2026 Financial Results. Investors Title reported robust earnings for its fiscal Q2 2026, which ended June 30, 2026. The company announced basic earnings per share (EPS) of US$7.75 on revenue of US$86.5 million, marking a substantial increase compared to fiscal Q2 2025's EPS of US$6.51 and revenue of US$73.6 million. This performance was highlighted as the company's strongest quarterly financial results in several years, also showing a widened net profit margin of 13.8% year-over-year.

    2. Positive Momentum in Key Real Estate Market Segments. Despite a generally fluctuating real estate market, specific trends within the sector provided favorable conditions for the title insurance industry. Notably, there was a rise in default and foreclosure activity, which typically generates increased demand for related title services, with active foreclosures rising over 20% year-over-year in fiscal Q1 2026. Additionally, homeowners increasingly utilized second liens for equity extraction, with withdrawals reaching multi-year highs of approximately $33 billion in fiscal Q3 2025.

    Show more
    Updated on 10/1/2026

    Investors Title (ITIC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Strong Second Quarter Fiscal 2026 Financial Results. Investors Title reported robust earnings for its fiscal Q2 2026, which ended June 30, 2026. The company announced basic earnings per share (EPS) of US$7.75 on revenue of US$86.5 million, marking a substantial increase compared to fiscal Q2 2025's EPS of US$6.51 and revenue of US$73.6 million. This performance was highlighted as the company's strongest quarterly financial results in several years, also showing a widened net profit margin of 13.8% year-over-year.

    2. Positive Momentum in Key Real Estate Market Segments. Despite a generally fluctuating real estate market, specific trends within the sector provided favorable conditions for the title insurance industry. Notably, there was a rise in default and foreclosure activity, which typically generates increased demand for related title services, with active foreclosures rising over 20% year-over-year in fiscal Q1 2026. Additionally, homeowners increasingly utilized second liens for equity extraction, with withdrawals reaching multi-year highs of approximately $33 billion in fiscal Q3 2025.

    3. Positive Technical Stock Indicators and Analyst Sentiment. The company's stock demonstrated positive technical movement by breaking above its 200-day moving average, reaching as high as $291.31 by early October 2026, which is often seen as a bullish signal for upward momentum. This was further bolstered by broadly positive analyst sentiment, maintaining a consensus "Buy" rating for Investors Title during this period.

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    Stock Movement Drivers

    Fundamental Drivers

    The -0.2% change in ITIC stock from 6/30/2026 to 10/27/2026 was primarily driven by a -6.0% change in the company's P/E Multiple.
    (LTM values as of)630202610272026Change
    Stock Price ($)273.25272.81-0.2%
    Change Contribution By: 
    Total Revenues ($ Mil)2812944.7%
    Net Income Margin (%)13.6%13.8%1.5%
    P/E Multiple13.512.7-6.0%
    Shares Outstanding (Mil)220.0%
    Cumulative Contribution-0.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2026 to 10/27/2026
    ReturnCorrelation
    ITIC-0.2% 
    Market (SPY)3.1%-5.8%
    Sector (XLF)4.2%27.2%

    Fundamental Drivers

    The 25.9% change in ITIC stock from 3/31/2026 to 10/27/2026 was primarily driven by a 9.6% change in the company's P/E Multiple.
    (LTM values as of)331202610272026Change
    Stock Price ($)216.61272.8125.9%
    Change Contribution By: 
    Total Revenues ($ Mil)2742947.4%
    Net Income Margin (%)12.9%13.8%7.0%
    P/E Multiple11.612.79.6%
    Shares Outstanding (Mil)22-0.1%
    Cumulative Contribution25.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 10/27/2026
    ReturnCorrelation
    ITIC25.9% 
    Market (SPY)18.7%-8.0%
    Sector (XLF)13.6%31.0%

    Fundamental Drivers

    The 5.9% change in ITIC stock from 9/30/2025 to 10/27/2026 was primarily driven by a 12.3% change in the company's Net Income Margin (%).
    (LTM values as of)930202510272026Change
    Stock Price ($)257.59272.815.9%
    Change Contribution By: 
    Total Revenues ($ Mil)2702948.7%
    Net Income Margin (%)12.3%13.8%12.3%
    P/E Multiple14.712.7-13.2%
    Shares Outstanding (Mil)22-0.1%
    Cumulative Contribution5.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2025 to 10/27/2026
    ReturnCorrelation
    ITIC5.9% 
    Market (SPY)16.5%7.9%
    Sector (XLF)5.0%34.3%

    Fundamental Drivers

    The 110.6% change in ITIC stock from 9/30/2023 to 10/27/2026 was primarily driven by a 43.9% change in the company's Net Income Margin (%).
    (LTM values as of)930202310272026Change
    Stock Price ($)129.55272.81110.6%
    Change Contribution By: 
    Total Revenues ($ Mil)25329416.1%
    Net Income Margin (%)9.6%13.8%43.9%
    P/E Multiple10.112.725.6%
    Shares Outstanding (Mil)220.4%
    Cumulative Contribution110.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2023 to 10/27/2026
    ReturnCorrelation
    ITIC110.6% 
    Market (SPY)86.2%34.6%
    Sector (XLF)75.9%47.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    ITIC Return41%-23%14%55%10%11%136%
    Peers Return36%27%7%29%7%19%202%
    S&P 500 Return27%-19%24%23%16%11%103%

    Monthly Win Rates [3]
    ITIC Win Rate58%33%58%67%50%50% 
    Peers Win Rate68%60%62%62%60%58% 
    S&P 500 Win Rate75%42%67%75%67%40% 

    Max Drawdowns [4]
    ITIC Max Drawdown-17%-40%-20%-13%-23%-25% 
    Peers Max Drawdown-15%-21%-24%-14%-18%-15% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: MET, AFL, PRU, PFG, UNM.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 10/27/2026 (YTD)

    How Low Can It Go

    EventITICS&P 500
    2025 US Tariff Shock
      % Loss-16.9%-18.8%
      % Gain to Breakeven20.4%23.1%
      Time to Breakeven69 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-13.4%-9.5%
      % Gain to Breakeven15.5%10.5%
      Time to Breakeven19 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-17.2%-6.7%
      % Gain to Breakeven20.7%7.1%
      Time to Breakeven40 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-37.3%-24.5%
      % Gain to Breakeven59.5%32.4%
      Time to Breakeven631 days427 days
    2020 COVID-19 Crash
      % Loss-41.6%-33.7%
      % Gain to Breakeven71.3%50.9%
      Time to Breakeven241 days140 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-14.2%-17.9%
      % Gain to Breakeven16.6%21.8%
      Time to Breakeven124 days123 days

    Compare to MET, AFL, PRU, PFG, UNM

    In The Past

    Investors Title's stock fell -16.9% during the 2025 US Tariff Shock. Such a loss loss requires a 20.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventITICS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-37.3%-24.5%
      % Gain to Breakeven59.5%32.4%
      Time to Breakeven631 days427 days
    2020 COVID-19 Crash
      % Loss-41.6%-33.7%
      % Gain to Breakeven71.3%50.9%
      Time to Breakeven241 days140 days
    2008-2009 Global Financial Crisis
      % Loss-49.0%-53.4%
      % Gain to Breakeven96.0%114.4%
      Time to Breakeven375 days1085 days
    Summer 2007 Credit Crunch
      % Loss-20.4%-8.6%
      % Gain to Breakeven25.7%9.5%
      Time to Breakeven168 days47 days

    Compare to MET, AFL, PRU, PFG, UNM

    In The Past

    Investors Title's stock fell -16.9% during the 2025 US Tariff Shock. Such a loss loss requires a 20.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Investors Title (ITIC)

    Investors Title Company (ITIC) is a financial services firm primarily focused on the real estate sector, specializing in title insurance. The company underwrites and issues both residential and commercial title insurance policies, providing essential protection to property owners and mortgage lenders against potential defects in property titles. In addition to direct insurance, ITIC also participates in the reinsurance market by assuming title insurance risks from other title insurance companies.

    Beyond its core title insurance offerings, ITIC provides specialized services related to tax-deferred exchanges of like-kind property, often referred to as 1031 exchanges. In this role, the company acts as a qualified intermediary, coordinating various exchange aspects, handling exchange funds, and drafting necessary documents for clients seeking to defer capital gains. It also serves as an exchange accommodation titleholder for more complex reverse exchanges, where a replacement property is acquired before the relinquished property is sold.

    Further diversifying its business, Investors Title offers investment management and trust services to individuals, companies, banks, and trusts. The company also provides consulting and management services to assist clients in starting and operating their own title insurance agencies. ITIC distributes its title insurance policies primarily through approved attorneys and independent agents across 24 states and the District of Columbia, with its main market concentration in the eastern half of the United States.

    AI Analysis | Feedback

    They're like Geico or Progressive for real estate titles, insuring the legal ownership history of properties during a sale.

    Alternatively, think of them as the ADP of real estate back-office services, handling essential title insurance and facilitating complex tax-deferred property exchanges for investors.

    AI Analysis | Feedback

    ```html
    • Title Insurance Underwriting: Issues residential and commercial title insurance policies to protect property owners and mortgagees against defects in title.
    • Title Insurance Reinsurance: Assumes reinsurance of title insurance risks from other title insurance companies.
    • Tax-Deferred Exchange Services (1031 Exchange): Acts as a qualified intermediary and exchange accommodation titleholder for tax-deferred exchanges of like-kind property.
    • Investment Management and Trust Services: Provides investment management and trust services to individuals, companies, banks, and trusts.
    • Title Insurance Agency Consulting: Offers consulting and management services to clients for starting and operating title insurance agencies.
    ```

    AI Analysis | Feedback

    Investors Title Company (ITIC) serves a diverse range of customers across its various business segments. Given its mix of services, it serves both individuals and other companies, making it more appropriate to describe customer categories rather than listing specific company names.

    The major customer categories for Investors Title are:

    1. Property Owners and Mortgagees/Lenders: These are the ultimate insured parties for the company's core title insurance business. This category includes individuals owning residential properties, as well as institutional, commercial, and industrial entities owning properties, and banks or other financial institutions that hold mortgages.
    2. Other Title Insurance Companies: Investors Title assumes the reinsurance of title insurance risks from other title insurance companies and also provides consulting and management services to clients looking to start or operate a title insurance agency.
    3. Individuals, Companies, Banks, and Trusts: For its specialized financial services, including tax-deferred exchange services (as a qualified intermediary or exchange accommodation titleholder), investment management, and trust services.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    J. Allen Fine, Chairman and Chief Executive Officer

    J. Allen Fine is the founder of Investors Title Company, establishing the company in 1972. He has served as the Chief Executive Officer since May 1973. Mr. Fine anticipated a significant shift in real estate finance when lenders began selling mortgages on the secondary market, which led to the formation of Investors Title. He successfully raised the necessary funds to capitalize the company and take it public.

    James A. Fine, Jr., President, Treasurer, Chief Financial Officer and Chief Accounting Officer

    James A. Fine, Jr. holds multiple critical leadership positions, serving as President, Treasurer, Chief Financial Officer, and Chief Accounting Officer for Investors Title Company. He is the son of J. Allen Fine, the company's founder and CEO. Mr. Fine, Jr. joined Investors Title's parent company in 1987. He brings extensive experience in the title insurance industry, operations, and marketing, coupled with a strong background in investment strategy, executive-level management, and strategic planning. Prior to joining Investors Title in 1987, he worked at a private family office. He also serves as Chief Executive Officer of Investors Trust Company and Investors Capital Management Company, and President of Investors Title Exchange Corporation and Investors Title Accommodation Corporation, all wholly owned subsidiaries of Investors Title Company. Mr. Fine, Jr. graduated from the University of North Carolina at Chapel Hill with a B.S. in business administration and holds the Chartered Financial Analyst® (CFA) designation.

    W. Morris Fine, Executive Vice President, Secretary and Director

    W. Morris Fine serves as Executive Vice President, Secretary, and a Director of Investors Title Company. He also holds the title of President & Chief Operating Officer. Mr. Fine is the brother of James A. Fine, Jr. and the son of the founder, J. Allen Fine. He plays a vital role in the strategic direction and governance of the company, with responsibilities encompassing legal oversight, shareholder relations, and the execution of key strategic initiatives.

    C. Todd Murphy, Senior Vice President of Finance

    C. Todd Murphy is the Senior Vice President of Finance at Investors Title Company. In this capacity, he is responsible for overseeing the company's financial operations, which include financial planning, analysis, reporting, and budgeting. Mr. Murphy plays a key role in managing the company's financial strategies, ensuring fiscal health, and supporting investment decisions.

    L. Dawn Martin, Vice President of Corporate Administration and Investor Relations Officer

    L. Dawn Martin holds the positions of Vice President of Corporate Administration and Investor Relations Officer at Investors Title Company. She also serves as Assistant Secretary.

    AI Analysis | Feedback

    Here are the key risks to Investors Title (ITIC):

    • Sensitivity to Real Estate Market and Interest Rate Environment: Investors Title's core business of issuing title insurance is highly dependent on the volume and value of real estate transactions, both residential and commercial. A downturn in the broader real estate market, whether due to economic pressures, inflation, or fluctuating stock markets, directly reduces the demand for title insurance policies and related services. Additionally, rising interest rates significantly impact the real estate market by making mortgages and other financing more expensive, leading to a decrease in property sales, new construction, and refinancing activity, which consequently lowers demand for the company's services.
    • Geographic Concentration Risk: A substantial portion of Investors Title's title insurance premium revenue is concentrated in a limited number of states, with North Carolina being a particularly dominant contributor. This geographic focus exposes the company to heightened vulnerability from localized economic downturns, adverse regulatory changes, or catastrophic weather events specifically affecting these key regions.
    • Intense Competition from Larger National Underwriters: Investors Title operates in a highly competitive title insurance industry, where a few large national underwriters command a significant majority of the market share. As a regional player, Investors Title faces competitive pressure from these larger entities, which possess greater resources to invest in technology, marketing, and agent incentives. This competitive landscape can limit Investors Title's ability to grow market share and exert pricing power.

    AI Analysis | Feedback

    The emergence and increasing adoption of blockchain and distributed ledger technologies for land registries and property title management poses a clear emerging threat. If property ownership and transfer could be immutably recorded and verified on a secure, distributed network, the need for traditional title searches, underwriting, and insurance (which guarantees against defects in title) could be significantly reduced or even eliminated over time. This technology fundamentally challenges the core value proposition of title insurance companies.

    AI Analysis | Feedback

    Addressable Markets for Investors Title (ITIC)

    • Title Insurance (Residential and Commercial): The global title insurance market is anticipated to be worth approximately USD 78.55 billion in 2026. North America leads this market with a 45% share. Therefore, the addressable market for title insurance in North America (predominantly the U.S.) is estimated to be approximately USD 35.35 billion in 2026.
    • Investment Management and Trust Services: The global trust and corporate service market, which includes trust administration, is expected to reach approximately USD 150 billion by 2026. The market analysis includes the U.S. within its geographical segmentation.
    • Services in connection with tax-deferred exchanges of like-kind property (1031 Exchange services): null
    • Consulting and management services to clients to start and operate a title insurance agency: null

    AI Analysis | Feedback

    Here are 3-5 expected drivers of future revenue growth for Investors Title (ITIC) over the next 2-3 years:

    1. Improvement in Real Estate Market Conditions: Investors Title's revenue is closely tied to transaction volumes in the real estate market. Any stabilization or decrease in mortgage interest rates, coupled with an improvement in the supply of homes available for sale, is expected to support increased real estate activity, thereby driving higher title insurance volumes.

    2. Growth in Non-Title Services, especially Like-Kind Exchanges: The company has seen consistent growth in its non-title services, with a notable increase in like-kind exchange activity and the successful addition of recurring management services revenue streams. This segment is anticipated to continue contributing to overall revenue growth and help diversify revenue sources.

    3. Expansion of Market Presence and Market Share: Management has emphasized ongoing strategic efforts to expand the company's market presence and increase its market share. These initiatives are expected to lead to higher revenue generation in existing and potentially new geographic areas.

    4. Increased Escrow and Other Title-Related Fees: Beyond net premiums written, the company anticipates growth from increased escrow and other title-related fees. These fees are a significant component of total revenue and are expected to contribute to future revenue expansion.

    AI Analysis | Feedback

    Capital Allocation Decisions (Last 3-5 Years)

    Share Repurchases

    • Information regarding specific dollar amounts of share repurchases made or authorized by Investors Title (ITIC) over the last 3-5 years is not explicitly available in the provided search results.

    Share Issuance

    • No explicit information is available regarding the dollar amount of shares issued by Investors Title (ITIC) over the last 3-5 years.

    Inbound Investments

    • No information is available regarding large investments made in Investors Title (ITIC) by third-parties over the last 3-5 years.

    Outbound Investments

    • Investors Title reported that agency acquisitions were a driver of results in the fourth quarter of 2025.

    Capital Expenditures

    • Investors Title generated $15.8 million in free cash flow in the third quarter of 2025, which represents cash available after capital expenditures.
    • Investments in efficiency were cited as a driver of results in the fourth quarter of 2025.

    Peer Outperformance in Life & Health Insurance

    ITIC has outperformed 58% of its 19 Life & Health Insurance peers over 5Y. Among the peers that beat it are UNM, CNO and AXS. Life & Health Insurance ranks 4th of 18 industries in Financials by median 5Y return.
    Share of Life & Health Insurance constituents that ITIC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    37%
    of 19 industry peers · 7.0% return
    3Y
    84%
    of 19 industry peers · 137.1% return
    5Y
    58%
    of 19 industry peers · 84.6% return
    Life & Health Insurance peers with revenue growth within 4pp of ITIC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    ITIC Investors Title 5.6% 12.7x 7.0%137.1%84.6% —
    UNM Unum 3.2% 20.3x 19.7%98.8%284.0% +199pp
    CNO CNO Financial 6.0% 18.1x 37.6%155.5%134.7% +50pp
    AXS Axis Capital 8.1% 6.8x 14.0%97.7%124.7% +40pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Life & Health Insurance is ITIC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 26.7%75.8%120.5% SPNT 172% · RGA 147% · RNR 140%
    Diversified Banks 12 28.5%160.0%89.2% CM 142% · RY 127% · JPM 127%
    Investment Banking & Brokerage 13 -14.1%103.8%88.8% IBKR 371% · SNEX 178% · HOOD 167%
    Life & Health Insurance ← 20 14.8%56.1%80.9% JXN 509% · UNM 284% · MFC 186%
    Property & Casualty Insurance 42 14.5%73.9%67.9% TRV 173% · PGR 167% · ACGL 149%
    Multi-line Insurance 9 7.5%68.5%63.6% GNW 108% · L 103% · AIZ 93%
    Multi-Sector Holdings 3 3.4%58.5%56.6% BRK-B 89% · VOYA 57% · JEF 34%
    Regional Banks 265 30.7%101.3%54.2% CBC 242% · FCNCA 192% · NIC 157%
    Financial Exchanges & Data 15 8.5%41.3%24.9% CBOE 166% · VIRT 154% · CME 67%
    Insurance Brokers 15 -6.1%8.6%18.3% LIFE 392% · ARX 89% · AJG 68%
    Consumer Finance 30 1.7%80.2%13.6% ENVA 452% · FCFS 111% · AGM 97%
    Diversified Financial Services 4 -8.6%21.5%5.9% FRHC 169% · EQH 85%
    Asset Management & Custody Banks 86 -13.6%20.5%4.2% WT 282% · AAMI 255% · VCTR 250%
    Commercial & Residential Mortgage Finance 14 -54.1%25.2%-3.3% FNMA 388% · FMCC 342% · ACT 162%
    Specialized Finance 3 7.8%41.8%-7.9% CACC -8% · HASI -22%
    Mortgage REITs 34 -19.9%0.6%-30.9% RITM 38% · DX 20% · AGNC 9%
    Transaction & Payment Processing Services 17 1.3%14.1%-39.8% V 93% · MA 87% · CPAY 51%
    Diversified Capital Markets 20 -57.6%15.6%-62.4% LPLA 89% · TW 40% · RIOT -49%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can Investors Title Stock Really Go?10/17/2025
    Title
    0ARTICLES

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    RCUSArcus Biosciences2.3-23.6%-23.9%
    KALUKaiser Aluminum1.9-23.3%3.4%
    CRSCarpenter Technology14.3-22.6%-8.2%
    AMCXAMC Global Media0.3-22.0%-17.6%
    LKQLKQ4.4-20.6%-41.5%
    NVECNVE0.4-20.4%41.8%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    BRZEBraze5.197.6%33.5%
    SGRYSurgery Partners3.059.0%51.2%
    DGICBDonegal-54.1%48.4%
    DXCDXC Technology2.653.0%8.1%
    PRMEPrime Medicine0.851.3%25.4%
    FIGSFIGS3.450.4%80.3%
    RPDRapid71.249.2%15.8%
    RRCRange Resources13.248.9%61.1%
    NTSKNetskope10.546.5%49.1%
    RXORXO4.944.4%130.2%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    GLASGlass House Brands0.2-65.8%-73.6%
    EMATEvolution Metals & Technologies0.9-55.3%-93.3%
    AVTXAvalo Therapeutics0.3-55.2%-62.8%
    NUAINew Era Energy & Digital0.3-53.3%10.9%
    SHAZSharonAI0.5-51.3%-72.2%
    BRUNBoost Run0.5-50.1%-61.3%
    CIFRCipher Digital3.5-49.3%-42.5%
    FMCFMC0.6-48.4%-65.3%
    AVBPArriVent BioPharma0.7-47.4%-23.5%
    MARAMARA2.7-41.5%-21.0%

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    Research & Analysis

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    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    ITICMETAFLPRUPFGUNMMedian
    NameInvestor.MetLife Aflac Prudenti.Principa.Unum  
    Mkt Price273.15100.01122.01115.18112.1489.30113.66
    Mkt Cap0.564.361.539.924.214.332.1
    Rev LTM29477,66518,28664,86415,69313,24516,990
    Op Inc LTM-------
    FCF LTM2615,5582,64710,9694,8526933,750
    FCF 3Y Avg2215,0872,7337,3574,3601,1263,547
    CFO LTM3215,5582,64710,9695,0128303,830
    CFO 3Y Avg2815,0872,7337,3574,4661,2613,600

    Growth & Margins

    ITICMETAFLPRUPFGUNMMedian
    NameInvestor.MetLife Aflac Prudenti.Principa.Unum  
    Rev Chg LTM8.7%7.3%12.8%9.0%3.7%3.3%8.0%
    Rev Chg 3Y Avg5.6%3.3%0.1%0.5%3.7%3.2%3.3%
    Rev Chg Q17.7%9.9%-0.6%13.7%6.4%0.1%8.1%
    QoQ Delta Rev Chg LTM4.7%2.2%-0.1%3.0%1.5%0.0%1.9%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM10.9%20.0%14.5%16.9%31.9%6.3%15.7%
    CFO/Rev 3Y Avg10.7%20.7%15.2%11.6%28.8%9.8%13.4%
    FCF/Rev LTM9.0%20.0%14.5%16.9%30.9%5.2%15.7%
    FCF/Rev 3Y Avg8.1%20.7%15.2%11.6%28.1%8.8%13.4%

    Valuation

    ITICMETAFLPRUPFGUNMMedian
    NameInvestor.MetLife Aflac Prudenti.Principa.Unum  
    Mkt Cap0.564.361.539.924.214.332.1
    P/S1.80.83.40.61.51.11.3
    P/Op Inc-------
    P/EBIT-10.810.2--12.810.8
    P/E12.817.712.710.215.520.314.1
    P/CFO16.24.123.23.64.817.210.5
    Total Yield11.7%8.0%9.8%14.7%9.3%7.1%9.6%
    Dividend Yield3.9%2.3%1.9%4.9%2.9%2.2%2.6%
    FCF Yield 3Y Avg5.2%28.6%4.6%18.8%22.1%9.3%14.0%
    D/E0.00.30.10.60.20.30.2
    Net D/E-0.2-1.6-1.0-1.5-1.2-2.3-1.4

    Returns

    ITICMETAFLPRUPFGUNMMedian
    NameInvestor.MetLife Aflac Prudenti.Principa.Unum  
    1M Rtn-4.5%2.4%7.3%-3.6%-2.3%-3.0%-2.7%
    3M Rtn-5.9%3.2%-5.3%-6.0%-1.0%1.6%-3.2%
    6M Rtn11.0%29.5%6.0%21.9%13.8%15.4%14.6%
    12M Rtn7.1%30.4%15.8%18.7%45.8%19.9%19.3%
    3Y Rtn137.4%87.5%70.0%50.5%84.3%99.1%85.9%
    1M Excs Rtn-4.9%5.2%8.2%-0.0%-1.4%-1.2%-0.6%
    3M Excs Rtn-12.0%-0.5%-8.9%-9.2%-4.4%2.6%-6.6%
    6M Excs Rtn4.2%22.7%-0.8%15.1%7.0%8.6%7.8%
    12M Excs Rtn-5.8%18.5%4.0%6.4%33.4%7.2%6.8%
    3Y Excs Rtn41.3%1.3%-12.9%-33.1%2.6%16.6%2.0%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/10/20265/11/20263/16/202611/7/20258/8/20255/12/20253/17/202511/7/20248/9/20245/8/20243/15/202411/8/2023
    Key Financials Quarterly            
    Total Revenue876470737457716965535461
    Net Income156812123899567
    EPS7.753.213.986.476.511.684.444.944.712.403.093.75
    Key Financials TTM            
    Total Revenue TTM294281274275270262259241234227225237
    Net Income TTM403835363330312926252223
    Growth Rates Quarterly            
    Total Revenue Growth17.7%12.6%-1.3%6.1%12.9%6.3%32.1%12.1%12.1%4.1%-18.0%-21.3%
    Net Income Growth19.2%91.3%-10.1%31.1%38.4%-29.9%43.3%31.5%17.0%283.1%-22.5%-10.5%
    Margins Quarterly            
    Net Income Margin16.8%9.5%10.7%16.7%16.6%5.6%11.8%13.5%13.6%8.5%10.9%11.5%
    Cash & Debt            
    Total Cash101120118142136129197154138143198199
    Total Debt998888666767
    Net Debt / (Cash)-93-111-110-134-128-121-190-148-132-136-192-192
    Cash Flows Quarterly            
    FCF from Operations825179-012881141
    Cash Flows TTM            
    FCF from Operations TTM3233313829283032252279
    Returns to Shareholders Quarterly            
    Dividends11171112711181
    Share Repurchases-0-0-0-0-0-00-001-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Title Insurance263255219292328
    Exchange Services1411138 
    All Other141312820
    Intersegment Eliminations-18-21-20-24-18
    Total273258225283329


    Operating Income by Segment
    $ Mil20152014201320122008
    Title Insurance18132216-3
    All Other01-010
    Intersegment Eliminations-0-0-0-0-0
    Exchange Services    -0
    Total18132216-3


    Assets by Segment
    $ Mil20252024202320222021
    Title Insurance260233217244280
    All Other100941089252
    Exchange Services3663 
    Intersegment Eliminations0000 
    Total363334331340331


    Price Behavior

    Price Behavior
    Market Price$272.81 
    Market Cap ($ Bil)0.5 
    First Trading Date03/27/1990 
    Distance from 52W High-10.7% 
       50 Days200 Days
    DMA Price$292.20$260.34
    DMA Trendindeterminateup
    Distance from DMA-6.6%4.8%
     3M1YR
    Volatility22.6%29.0%
    Downside Capture24.9421.95
    Upside Capture-7.0130.05
    Correlation (S&P 500)1.9%7.0%
    ITIC Betas & Captures as of 9/30/2026

     1M2M3M6M1Y3Y
    Beta-0.02-0.05-0.29-0.230.170.75
    Up Beta0.60-0.25-0.910.010.220.90
    Down Beta-1.63-0.44-0.62-1.02-0.140.56
    Up Capture-18%-1%6%19%22%56%
    Bmk +ve Days6162766132424
    Stock +ve Days7182966132404
    Down Capture71%21%-15%-67%27%87%
    Bmk -ve Days16263760120328
    Stock -ve Days15243560120346

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ITIC
    ITIC6.4%29.0%0.21-
    Sector ETF (XLF)6.5%14.5%0.2032.2%
    Equity (SPY)14.6%12.7%0.795.8%
    Gold (GLD)-1.4%28.5%-0.06-3.0%
    Commodities (DBC)47.3%20.6%1.76-19.2%
    Real Estate (VNQ)3.8%13.9%0.0239.6%
    Bitcoin (BTCUSD)-27.9%43.4%-0.635.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ITIC
    ITIC12.1%33.1%0.39-
    Sector ETF (XLF)8.7%18.3%0.3447.2%
    Equity (SPY)12.8%17.1%0.5641.1%
    Gold (GLD)17.6%18.9%0.753.3%
    Commodities (DBC)9.2%19.5%0.354.4%
    Real Estate (VNQ)1.0%18.9%-0.0643.5%
    Bitcoin (BTCUSD)4.5%51.6%0.2718.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ITIC
    ITIC15.9%35.3%0.51-
    Sector ETF (XLF)13.2%22.1%0.5451.2%
    Equity (SPY)15.5%17.9%0.7346.1%
    Gold (GLD)12.0%16.4%0.601.8%
    Commodities (DBC)8.2%18.1%0.3712.8%
    Real Estate (VNQ)5.2%20.7%0.2145.2%
    Bitcoin (BTCUSD)62.2%66.2%1.0211.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.1 Mil
    Short Interest: % Change Since 9302026-0.9%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest2.3 days
    Basic Shares Quantity1.9 Mil
    Short % of Basic Shares4.4%

    Returns Analyses

    Earnings Returns History

    Updated 9/9/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/6/20262.2%-2.9%3.8%
    5/7/20262.6%-1.4%3.2%
    2/17/20260.4%-18.0%-14.3%
    11/5/20256.7%8.4%-2.3%
    8/6/20252.7%9.5%17.0%
    5/8/20250.2%-0.0%-18.0%
    2/13/20254.2%4.2%8.5%
    11/5/20243.9%13.4%24.5%
    ...
    SUMMARY STATS   
    # Positive181314
    # Negative61110
    Median Positive2.7%8.4%6.6%
    Median Negative-1.4%-1.7%-6.9%
    Max Positive8.3%14.6%25.8%
    Max Negative-8.6%-18.0%-18.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/6/20262.2%-2.9%3.8%
    5/7/20262.6%-1.4%3.2%
    2/17/20260.4%-18.0%-14.3%
    11/5/20256.7%8.4%-2.3%
    8/6/20252.7%9.5%17.0%
    5/8/20250.2%-0.0%-18.0%
    2/13/20254.2%4.2%8.5%
    11/5/20243.9%13.4%24.5%
    8/6/20244.3%4.0%15.4%
    5/3/2024-1.8%-0.5%3.1%
    2/13/2024-8.6%-5.5%-4.7%
    11/2/20230.9%3.0%9.0%
    8/7/20231.5%-0.5%-4.0%
    5/5/20230.9%-1.7%-6.2%
    2/14/2023-1.0%-2.4%-7.6%
    11/4/20222.7%11.9%2.7%
    8/5/2022-7.0%3.8%-11.6%
    5/6/2022-1.1%-13.3%-10.8%
    2/14/20222.5%1.2%2.3%
    11/4/20215.0%12.7%3.9%
    8/4/20218.3%10.8%14.5%
    5/5/20213.8%1.2%-0.3%
    2/16/2021-0.2%-1.0%4.7%
    11/4/20205.1%14.6%25.8%
    SUMMARY STATS   
    # Positive181314
    # Negative61110
    Median Positive2.7%8.4%6.6%
    Median Negative-1.4%-1.7%-6.9%
    Max Positive8.3%14.6%25.8%
    Max Negative-8.6%-18.0%-18.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/14/202310-K
    09/30/202211/08/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/14/202310-K
    09/30/202211/08/202210-Q
    06/30/202208/09/202210-Q
    03/31/202205/10/202210-Q
    12/31/202103/14/202210-K
    09/30/202111/09/202110-Q
    06/30/202108/09/202110-Q
    03/31/202105/10/202110-Q
    12/31/202003/15/202110-K
    09/30/202011/09/202010-Q
    06/30/202008/07/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/11/202010-K
    09/30/201911/07/201910-Q

    Insider Activity

    Updated 8/13/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Parker,, Jr. Elton C DirectBuy5132026231.00538124,278866,250Form
    2Scott, James E DirectBuy2242026220.71500110,355132,426Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Parker,, Jr. Elton C DirectBuy5132026231.00538124,278866,250Form
    2Scott, James E DirectBuy2242026220.71500110,355132,426Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 10/27/2026