Profitability
Weight: 25%
B+
78
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 2.2%
- Loss Ratio Trend +0.30 pp/yr
ITIC
Investors Title Company
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
74
- 5yr Avg ROE 14.6%
- 5yr Share-Count CAGR -0.0%
Growth Quality
Weight: 10%
D
36
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 0.7%
- Loss Ratio Trend (growth quality check) +0.30 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
A+
97
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 2.6%
- Loss Ratio Stability (σ) 0.01
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.79x
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
D+
43
- EPS Volatility (σ/μ) 0.49
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood increased