AM Best Affirms Credit Ratings of Investors Title Company and Its Subsidiaries

Key Terms

financial strength rating financial

A financial strength rating is an assessment of an organization's overall financial health, indicating how well it can meet its financial commitments. Think of it as a report card that shows whether a company or institution is financially stable and capable of withstanding economic challenges. This rating helps investors gauge the level of risk involved in engaging with or investing in that organization.

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Long-term issuer credit ratings are assessments of a borrower's ability to repay debt over a period longer than one year. They help investors understand the level of risk involved in lending to that entity, similar to how a credit score indicates trustworthiness. These ratings influence borrowing costs and investment decisions, guiding investors on the safety and stability of their investments.

long-term icr financial

Long-term ICR (interest coverage ratio) measures a company’s ability to pay interest on its long-term debt using its recurring earnings or cash flow over an extended period. It tells investors whether operating income comfortably covers future interest bills — like checking if your steady monthly pay can service a mortgage — and a higher ratio means less risk that debt payments will strain the business.

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Enterprise Risk Management is a process companies use to identify, assess, and prepare for potential problems that could disrupt their success, like financial losses or reputation damage. It’s like a safety plan that helps a business stay strong and adapt quickly when unexpected challenges come up. This helps the company protect its future and keep running smoothly.

OLDWICK, N.J.--(BUSINESS WIRE)-- AM Best has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a” (Excellent) of both subsidiaries of Investors Title Company (ITC) [NASDAQ: ITIC]: Investors Title Insurance Company and National Investors Title Insurance Company (Austin, TX). These subsidiaries collectively are referred to as Investors Title Company Group (ITC Group). Concurrently, AM Best has affirmed the Long-Term ICR of “bbb” (Good) of ITC. All companies are domiciled in Chapel Hill, NC, unless otherwise specified. The outlook of these Credit Ratings (ratings) is stable.

The ratings reflect ITC Group’s balance sheet strength, which AM Best assesses as very strong, as well as its strong operating performance, limited business profile and appropriate enterprise risk management.

The balance sheet strength assessment for ITC Group reflects its strongest risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR), and its surplus growth, which is reflective of the group’s strong operating earnings, investment income and conservative underwriting position. ITC Group’s operating performance compares favorably with the industry, driven by its lower-than-average loss and loss adjustment expense ratios, as well as its ability to outperform industry peers in terms of return on equity and return on revenue. ITC Group’s limited business profile is driven by the group’s single line of business offered in title insurance and its significant geographic concentration in North Carolina and Texas.

ITC’s stable outlook reflects the expectation that the group will continue to maintain its balance sheet strength assessment of very strong and strong operating performance as the title industry is expected to improve with declining interest rates despite a slowdown in the housing sector and the knock-on effects from a slowing economy.

This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best's Credit Ratings. For information on the proper use of Best’s Credit Ratings, Best’s Performance Assessments, Best’s Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best’s Ratings & Assessments.

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com.

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Sebastian Caballero

Financial Analyst

+1 908 882 1680

sebastian.caballero@ambest.com



Kourtnie Beckwith

Senior Financial Analyst

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Christopher Sharkey

Associate Director, Public Relations

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Al Slavin

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Source: AM Best