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ITIC vs OXLCO

ITIC
Investors Title Company
NEUTRAL
Price
$230.55
Market Cap
$435.2M
Sector
Financial Services
AI Confidence
85%
OXLCO
Oxford Lane Capital Corp.
BEARISH
Price
$23.80
Market Cap
$440.3M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ITIC
12.42
OXLCO
27.32
Forward P/E
ITIC
--
OXLCO
--
P/B Ratio
ITIC
1.62
OXLCO
1.24
P/S Ratio
ITIC
1.6
OXLCO
0.9
EV/EBITDA
ITIC
7.23
OXLCO
--

Profitability

Gross Margin
ITIC
56.63%
OXLCO
100.0%
Operating Margin
ITIC
13.78%
OXLCO
72.75%
Profit Margin
ITIC
12.9%
OXLCO
0.77%
ROE
ITIC
13.53%
OXLCO
0.22%
ROA
ITIC
7.99%
OXLCO
9.09%

Growth

Revenue Growth
ITIC
-1.6%
OXLCO
29.5%
Earnings Growth
ITIC
-10.1%
OXLCO
-77.9%

Financial Health

Debt/Equity
ITIC
0.03
OXLCO
0.38
Current Ratio
ITIC
1.47
OXLCO
0.61
Quick Ratio
ITIC
1.33
OXLCO
0.61

Dividends

Dividend Yield
ITIC
0.8%
OXLCO
6.3%
Payout Ratio
ITIC
9.91%
OXLCO
--

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)
OXLCO BEARISH

OXLCO presents a concerning profile characterized by a Piotroski F-Score of 4/9, indicating only marginal stability. While revenue growth remains strong at 29.5%, it is completely offset by a catastrophic collapse in earnings (-77.9% YoY), suggesting severe margin compression or rising costs of capital. The stock is trading at a significant premium to both its Graham Number ($19.39) and its growth-based Intrinsic Value ($6.10), while technical trends are heavily bearish (10/100).

Strengths
Strong year-over-year revenue growth of 29.50%
Low Debt/Equity ratio of 0.38 compared to sector average
Positive long-term price performance (5Y Change +30.4%)
Risks
Severe earnings collapse (-77.9% YoY and -68.2% Q/Q)
Significant overvaluation relative to intrinsic value ($23.80 vs $6.10)
Poor liquidity indicated by a Current Ratio of 0.61

Compare Another Pair

ITIC vs OXLCO: Head-to-Head Comparison

This page compares Investors Title Company (ITIC) and Oxford Lane Capital Corp. (OXLCO) 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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