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ITIC vs MA

ITIC
Investors Title Company
NEUTRAL
Price
$230.55
Market Cap
$435.2M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ITIC
12.42
MA
30.28
Forward P/E
ITIC
--
MA
22.05
P/B Ratio
ITIC
1.62
MA
57.74
P/S Ratio
ITIC
1.6
MA
13.6
EV/EBITDA
ITIC
7.23
MA
22.13

Profitability

Gross Margin
ITIC
56.63%
MA
100.0%
Operating Margin
ITIC
13.78%
MA
57.73%
Profit Margin
ITIC
12.9%
MA
45.65%
ROE
ITIC
13.53%
MA
209.91%
ROA
ITIC
7.99%
MA
23.72%

Growth

Revenue Growth
ITIC
-1.6%
MA
17.6%
Earnings Growth
ITIC
-10.1%
MA
24.2%

Financial Health

Debt/Equity
ITIC
0.03
MA
2.56
Current Ratio
ITIC
1.47
MA
1.03
Quick Ratio
ITIC
1.33
MA
0.68

Dividends

Dividend Yield
ITIC
0.8%
MA
0.7%
Payout Ratio
ITIC
9.91%
MA
18.4%

AI Verdict

ITIC NEUTRAL

ITIC presents a contradictory profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating fundamental health, despite an exceptionally clean balance sheet with a Debt/Equity ratio of 0.03. While the stock trades below its Graham Number ($243.61), suggesting defensive value, it sits significantly above its growth-based intrinsic value ($129.92) amid negative YoY revenue (-1.60%) and earnings growth (-10.10%). The technical trend is purely bearish (0/100), and the lack of analyst coverage suggests a neglected small-cap position. Overall, the company is financially stable but operationally stagnant.

Strengths
Extremely low leverage (Debt/Equity 0.03)
Trades below the Graham Number defensive fair value
Strong gross margins (56.63%)
Risks
Weak Piotroski F-Score (3/9) signaling fundamental decline
Negative YoY revenue and earnings growth
Bearish technical trend (0/100)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

ITIC vs MA: Head-to-Head Comparison

This page compares Investors Title Company (ITIC) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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