What is Investors Title Co worth?
With the base-case assumptions below, a discounted cash flow model on Investors Title Co's reported free cash flow gives $230.12 per share. The share price was $286.06 on September 25, 2026, 24% above that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -2.0% | 10.0% | $146.81 | -49% |
| Base | 3.0% | 9.0% | $230.12 | -20% |
| Bull | 8.0% | 8.0% | $385.68 | +35% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $288.95 | $306.76 | $328.51 | $355.71 | $390.68 |
| 8.0% | $245.17 | $256.71 | $270.36 | $286.73 | $306.74 |
| 9.0% | $213.11 | $221.01 | $230.12 | $240.74 | $253.30 |
| 10.0% | $188.65 | $194.26 | $200.62 | $207.89 | $216.28 |
| 11.0% | $169.37 | $173.48 | $178.08 | $183.26 | $189.12 |
Where the presets come from
Base: years 1 to 5 grow at Investors Title Co's revenue growth rate over the last 5 fiscal years (2.9% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions