Investors Title Company (ITIC) Balance Sheet
ITIC balance sheet, 2025
December 31, 2025 · U.S. dollars$363.1M assets = $94.8M liabilities + $268.3M equity
Both columns are drawn to the same scale: what ITIC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
ITIC financial health
Descriptive bands, not a rating. Fiscal 2025.
ITIC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $228.9M2016 | $363.1M2025 | +5.3%/yr | |
| Total liabilities | $73.8M2016 | $94.8M2025 | +2.8%/yr | |
| Shareholders’ equity | $155.0M2016 | $268.3M2025 | +6.3%/yr | |
| Cash & short-term investments | $136.4M2016 | $117.8M2025 | −1.6%/yr | |
| Total debt | $4.5M2019 | $8.1M2025 | +10.2%/yr | |
| Net cash (debt) | $139.2M2019 | $109.8M2025 | −$29.5M | |
| Working capital | $67.88B2016 | $97.1M2025 | −$67.8B | |
| Book value per share | $80.962016 | $141.582025 | +6.4%/yr | |
| Debt / equity | 0.022019 | 0.032025 | +0.01 | |
| Shares outstanding | 1.9M2016 | 1.9M2025 | −0.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
ITIC assets
ITIC liabilities and equity
ITIC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
ITIC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $117.8M | $196.7M | $198.1M | $192.9M | $162.9M | $146.6M | $143.7M | $140.4M | $147.3M | $136.4M |
| Cash & equivalents | $20.8M | $24.7M | $24.0M | $35.3M | $37.2M | $13.7M | $25.9M | $18.7M | $20.2M | $27.9M |
| Short-term investments | $97.0M | $172.1M | $174.1M | $157.6M | $125.7M | $132.9M | $117.8M | $121.7M | $127.1M | $108.5M |
| Receivables | $20.3M | $17.5M | $15.4M | $21.1M | $23.8M | $20.5M | $13.6M | $13.1M | $385.1M | $9.7M |
| Inventory | $0 | $0 | −$213.5M | −$173.0M | −$124.6M | −$88.2M | −$62.4M | −$77.2M | $67.75B | $68.90B |
| Other current assets | $9.4M | $7.0M | $227.0M | $184.1M | $136.3M | $88.2M | $62.4M | $77.2M | $0 | $61.7M |
| Total current assets | $147.5M | $221.3M | $227.0M | $225.1M | $198.4M | $167.1M | $157.3M | $153.5M | $67.97B | $69.11B |
| Property, plant & equipment (net) | $37.2M | $34.1M | $30.2M | $24.5M | $18.2M | $14.7M | $14.2M | $10.3M | $10.2M | $8.8M |
| Goodwill & intangible assets | $20.9M | $15.1M | $16.2M | $17.6M | $16.0M | $9.8M | $10.3M | $10.8M | $11.4M | $12.3M |
| Long-term investments | $228.4M | $212.0M | $211.3M | $209.3M | $202.6M | $197.8M | $193.9M | $170.2M | $187.6M | $161.9M |
| Other non-current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total assets | $363.1M | $333.6M | $330.6M | $339.8M | $331.5M | $282.9M | $263.9M | $244.3M | $248.9M | $228.9M |
| Liabilities | ||||||||||
| Accounts payable | $41.5M | $34.0M | $31.9M | $47.0M | $43.9M | $36.0M | $28.3M | $27.7M | $27.6M | $26.1M |
| Short-term debt | $1.7M | $2.3M | $2.4M | $1.9M | $1.5M | $1.1M | $1.0M | — | — | — |
| Deferred revenue | — | — | — | $45.1M | $42.3M | $35.0M | $27.3M | — | — | — |
| Total current liabilities | $50.4M | $43.3M | $38.3M | $58.0M | $93.8M | $36.0M | $28.3M | $27.7M | $27.6M | $1.23B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Lease obligations | $8.1M | $6.4M | $6.4M | $6.8M | $5.3M | $3.7M | $4.5M | — | — | — |
| Other long-term liabilities | $44.5M | $38.5M | $40.7M | $40.8M | $8.6M | $12.3M | $11.5M | $4.2M | $8.6M | $72.57B |
| Total liabilities | $94.8M | $81.8M | $79.0M | $98.7M | $102.4M | $82.5M | $72.5M | $68.6M | $71.0M | $73.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | — | — | — | — | — | — | — | — | $1 | $1 |
| Retained earnings (deficit) | $267.2M | $251.4M | $250.9M | $240.8M | $225.9M | $196.1M | $188.3M | $174.7M | $161.9M | $143.3M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | $1.1M | $355,000 | $638,000 | $200,000 | $3.2M | $4.3M | $3.1M | $949,000 | $15.9M | $11.8M |
| Minority interest | — | — | — | — | — | — | — | — | $84,953 | $90,885 |
| Total shareholders' equity | $268.3M | $251.8M | $251.6M | $241.0M | $229.1M | $200.4M | $191.4M | $175.6M | $177.8M | $155.0M |
| Key figures | ||||||||||
| Total debt | $8.1M | $6.4M | $6.4M | $6.8M | $5.3M | $3.7M | $4.5M | — | — | — |
| Net cash (debt) | $109.8M | $190.4M | $191.7M | $186.1M | $157.6M | $142.9M | $139.2M | — | — | — |
| Working capital | $97.1M | $178.0M | $188.8M | $167.2M | $104.6M | $131.1M | $129.0M | $125.8M | $67.94B | $67.88B |
| Tangible book value | $247.4M | $236.7M | $235.3M | $223.4M | $213.1M | $190.7M | $181.1M | $164.9M | $166.5M | $142.8M |
| Book value per share | $141.58 | $133.07 | $132.89 | $126.98 | $120.57 | $105.71 | $100.93 | $92.59 | $93.80 | $80.96 |
| Shares outstanding | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M |
| Current ratio | 2.93 | 5.11 | 5.93 | 3.88 | 2.12 | 4.64 | 5.55 | 5.53 | 2,465.62 | 56.07 |
| Quick ratio | 2.74 | 4.95 | 5.58 | 3.69 | 1.99 | 4.64 | 5.55 | 5.53 | 19.32 | 0.12 |
| Debt / equity | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | — | — | — |
| Equity / assets | 73.9% | 75.5% | 76.1% | 70.9% | 69.1% | 70.8% | 72.5% | 71.9% | 71.4% | 67.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $72.2M | $120.0M | $117.8M | $142.1M | $135.9M | $129.3M | $196.7M | $153.7M | $138.0M | $143.2M | $198.1M | $199.0M |
| Cash & equivalents | $20.5M | $26.7M | $20.8M | $22.8M | $29.7M | $27.6M | $24.7M | $25.5M | $26.7M | $21.6M | $24.0M | $30.4M |
| Short-term investments | $51.7M | $93.3M | $97.0M | $119.3M | $106.2M | $101.7M | $172.1M | $128.2M | $111.3M | $121.6M | $174.1M | $168.6M |
| Receivables | $19.4M | $19.1M | $20.3M | $19.2M | $19.8M | $17.3M | $17.5M | $16.4M | $15.4M | $14.0M | $15.4M | $18.4M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$126.5M | −$149.0M | −$213.5M | −$169.1M |
| Other current assets | $12.2M | $9.4M | $9.4M | $9.6M | $10.1M | $7.8M | $7.0M | $9.6M | $126.5M | $149.0M | $174.1M | $169.1M |
| Total current assets | $103.8M | $148.5M | $147.5M | $170.9M | $165.8M | $154.4M | $221.3M | $179.6M | $153.3M | $157.2M | $174.1M | $217.4M |
| Property, plant & equipment (net) | $30.6M | $38.0M | $37.2M | $36.3M | $36.3M | $36.4M | $34.1M | $33.3M | $32.7M | $32.0M | $30.2M | $28.5M |
| Goodwill & intangible assets | $31.2M | $41.8M | $20.9M | $17.2M | $17.4M | $24.4M | $15.1M | $25.0M | $17.2M | $15.9M | $16.2M | $16.6M |
| Long-term investments | $233.5M | $222.1M | $228.4M | $238.8M | $213.6M | $207.1M | $212.0M | $228.6M | $214.8M | $212.7M | $211.3M | $200.4M |
| Other non-current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total assets | $380.1M | $361.5M | $363.1M | $363.3M | $345.8M | $333.8M | $333.6M | $352.0M | $340.3M | $329.5M | $330.6M | $331.9M |
| Liabilities | ||||||||||||
| Accounts payable | $38.3M | $35.1M | $41.5M | $32.8M | $29.8M | $28.7M | $34.0M | $33.9M | $31.5M | $27.7M | $31.9M | $30.7M |
| Short-term debt | $1.9M | $1.8M | $1.7M | — | — | $3.1M | $2.3M | $2.5M | $2.6M | $1.9M | $2.4M | $522,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | — | $282,000 | — | $30.2M |
| Total current liabilities | $2.8M | $42.1M | $50.4M | $39.5M | $33.6M | $34.0M | $43.3M | $40.3M | $39.8M | $39.5M | $39.5M | $30.7M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Lease obligations | $8.7M | $8.7M | $8.1M | $7.6M | $8.0M | $8.4M | $6.4M | $6.1M | $6.4M | $6.8M | $6.4M | $6.6M |
| Other long-term liabilities | $93.6M | $46.6M | $44.5M | $45.8M | $46.1M | $45.4M | $38.5M | $40.4M | $38.7M | $36.0M | $45.9M | $10.0M |
| Total liabilities | $93.6M | $88.7M | $94.8M | $85.3M | $79.6M | $79.4M | $81.8M | $80.7M | $78.5M | $75.5M | $79.0M | $79.2M |
| Shareholders' equity | ||||||||||||
| Retained earnings (deficit) | $286.4M | $272.5M | $267.2M | $276.9M | $265.4M | $253.8M | $251.4M | $270.2M | $261.6M | $253.6M | $250.9M | $253.4M |
| Accumulated other comprehensive income | $162,000 | $363,000 | $1.1M | $1.1M | $822,000 | $585,000 | $355,000 | $1.1M | $168,000 | $346,000 | $638,000 | −$755,000 |
| Total shareholders' equity | $286.6M | $272.9M | $268.3M | $278.0M | $266.2M | $254.4M | $251.8M | $271.3M | $261.8M | $254.0M | $251.6M | $252.7M |
| Key figures | ||||||||||||
| Total debt | $8.7M | $8.7M | $8.1M | $7.6M | $8.0M | $8.4M | $6.4M | $6.1M | $6.4M | $6.8M | $6.4M | $6.6M |
| Net cash (debt) | $63.5M | $111.3M | $109.8M | $134.4M | $127.9M | $120.9M | $190.4M | $147.6M | $131.6M | $136.4M | $191.7M | $192.4M |
| Working capital | $101.1M | $106.4M | $97.1M | $131.4M | $132.2M | $120.4M | $178.0M | $139.4M | $113.6M | $117.7M | $134.6M | $186.7M |
| Tangible book value | $255.4M | $231.1M | $247.4M | $260.8M | $248.8M | $230.0M | $236.7M | $246.3M | $244.6M | $238.1M | $235.3M | $236.1M |
| Book value per share | $151.30 | $144.08 | $141.58 | $146.63 | $140.54 | $134.25 | $132.79 | $143.32 | $138.82 | $134.44 | $133.03 | $133.62 |
| Shares outstanding | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M |
| Current ratio | 37.61 | 3.53 | 2.93 | 4.33 | 4.94 | 4.54 | 5.11 | 4.46 | 3.85 | 3.98 | 4.41 | 7.08 |
| Quick ratio | 33.17 | 3.31 | 2.74 | 4.08 | 4.64 | 4.31 | 4.95 | 4.22 | 3.85 | 3.98 | 5.40 | 7.08 |
| Debt / equity | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 |
| Equity / assets | 75.4% | 75.5% | 73.9% | 76.5% | 77.0% | 76.2% | 75.5% | 77.1% | 76.9% | 77.1% | 76.1% | 76.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
ITIC financial position
At the end of fiscal 2025 (December 31, 2025), Investors Title had total assets of $363.1 million (up 8.9% from a year earlier), total liabilities of $94.8 million and shareholders' equity of $268.3 million. It held $117.8 million in cash and short-term investments against $8.1 million of debt, a net cash position of $109.8 million. Its current ratio was 2.93. In the latest quarter (ended June 30, 2026) total assets were $380.1 million and equity $286.6 million.
Related: ITIC income statement, ITIC cash flow statement, ITIC key metrics. See the ITIC stock overview for the latest quote and news.
ITIC balance sheet FAQ
What are Investors Title's total assets?
Investors Title reported total assets of $363.1 million at the end of fiscal 2025 (December 31, 2025), compared with $333.6 million a year earlier.
How much debt does Investors Title have?
Investors Title had $8.1 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.03.
How much cash does Investors Title have?
Investors Title held $117.8 million in cash and short-term investments at the end of fiscal 2025; with $8.1 million of debt that is net cash of $109.8 million.
What is Investors Title's book value?
Investors Title's shareholders' equity (book value) was $268.3 million at the end of fiscal 2025, or $141.58 per share.
What is Investors Title's current ratio?
Investors Title had current assets of $147.5 million and current liabilities of $50.4 million, a current ratio of 2.93 (it can cover its short-term obligations).
How much goodwill does Investors Title have?
Investors Title carried $20.9 million of goodwill and intangible assets, 5.8% of total assets, at the end of fiscal 2025.