Stock fact sheet · data as of
Investors Title Company (ITIC): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Specialty · United States · Defensive
Is ITIC undervalued?
At 288.15 (close of 16 Oct 2026), ITIC trades within a few percent of the GLS average fair value of 318.19 (9.4% below fair value). 9 models produced a value and they split 5 above the price to 4 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between GLS Growth (59.51) and Graham Growth (762.16). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files ITIC under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for ITIC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 345.52 | +20% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 270.43 | -6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 762.16 | +165% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 298.73 | +4% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 59.51 | -79% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 439.24 | +52% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 294.79 | +2% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 155.38 | -46% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 237.94 | -17% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 27.88 | -90% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Investors Title Company scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability ITIC scores 5.8/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are high - ROIC 12.7%, ROE 13.1%, ROA 9.7% - with debt at 0.03 times equity and a free-cash-flow yield of 5.4%.
The dividend yield is 3.66% at a payout ratio of 49%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Net Premiums Written 78%, Investment Related Revenue 9%, Escrow, Title Related And Other Fees 7% (quarter Q2 FY2026).
Institutional ownership scores 6/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 12.7% |
|---|---|---|---|
| GLS Moat | 5.8 / 10 | ROE | 13.1% |
| Debt / equity | 0.03 | ROA | 9.7% |
| Free-cash-flow yield | 5.4% | Payout ratio | 49% |
| Institutions | 6 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Investors Title Company in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 43k shares a day on a market cap of $544M, with a beta of 0.61 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 16 / 25 | 9% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 9 / 15 | moat 5.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 43k shares/day, $544M cap, beta 0.61 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 5 Nov 2026 (before the open), 20 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Specialty
The 12 companies below are the closest to Investors Title Company by market cap within the Insurance - Specialty industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TIPT Tiptree Inc. | 16.90 | 265.66 | +94% | 72Good | $629M |
| AMSF AMERISAFE, Inc. | 25.04 | 28.94 | +13% | 66Good | $464M |
| EIG Employers Holdings, Inc. | 50.45 | 21.00 | -140% | 46Weak | $906M |
| MBI MBIA Inc. | 4.39 | 15.52 | +72% | 45Weak | $224M |
| OSG Octave Specialty Group, Inc. | 4.60 | 9.52 | +52% | 45Weak | $207M |
| JRVR James River Group Holdings, Ltd. | 3.71 | 15.89 | +77% | 60Fair | $172M |
| NMIH NMI Holdings, Inc. | 40.10 | 97.71 | +59% | 88Prime | $3.0B |
| AGO Assured Guaranty Ltd. | 69.86 | 187.20 | +63% | 77Good | $3.1B |
| RDN Radian Group Inc. | 33.41 | 81.50 | +59% | 85Prime | $4.4B |
| MTG MGIC Investment Corporation | 27.61 | 49.38 | +44% | 89Prime | $5.7B |
| ESNT Essent Group Ltd. | 63.76 | 105.84 | +40% | 83Prime | $5.7B |
| ACT Enact Holdings Inc. | 45.67 | 66.03 | +31% | 87Prime | $6.3B |
⚖ Compare ITIC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ITIC
Is ITIC undervalued right now?
Not meaningfully: at 288.15 the stock trades within a few percent of the GLS average fair value of 318.19 (9.4% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of ITIC and what does it mean?
ITIC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for ITIC?
318.19 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Investors Title Company report earnings next?
The next earnings report is due on 5 Nov 2026 (before the open), 20 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does ITIC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ITIC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.