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Investors Title cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$6.3M in Q2 2026 · $26.3M over twelve months

Operating cash flow$8.1M
Capital spending−$1.9M
Free cash flow+$6.3M
Cash / net income0.6×

Analysis

In Q2 2026, Investors Title generated $8.1M of operating cash flow and spent $1.9M on capital projects, leaving free cash flow of $6.3M. That is $1.0M less than in Q2 2025 ($7.3M).

Over the twelve months to Jun 30, 2026, operating cash flow was $31.9M; the largest uses were dividends ($19.9M), other investing ($15.7M), capital spending ($5.6M); besides operations, cash came from asset & business sales ($131K); the cash balance fell by $9.2M.

Operating cash flow was $8.1M against net income of $14.6M — 0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: gains on investments −$4.8M, payables +$2.7M, receivables −$1.9M.

Free cash flow

Investors Title: free cash flow by quarterInvestors Title: free cash flow by quarter$6.1MQ3 2024$10.8MQ4 2024−$1.4MQ1 2025$7.3MQ2 2025$15.8MQ3 2025$3.7MQ4 2025$569KQ1 2026$6.3MQ2 2026
Operating cash flow less capital spending.
Investors Title: operating cash flow against capital spendingInvestors Title: operating cash flow against capital spendingOperating cash flowCapital spending$7.8M$1.7MQ3 2024$12.1M$1.3MQ4 2024−$75K$1.3MQ1 2025$8.9M$1.6MQ2 2025$17.2M$1.3MQ3 2025$5.0M$1.3MQ4 2025$1.6M$1.1MQ1 2026$8.1M$1.9MQ2 2026
Latest (Q2 2026): Operating cash flow $8.1M, Capital spending $1.9M.

Capital allocation, year by year

Investors Title: where the cash came from (up) and went (down), by fiscal yearInvestors Title: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $51.9MFY2021: Asset sales $6.7MFY2021: Capital spending −$6.5MFY2021: Dividends −$37.6M$58.7MFY2021FY2022: Operating cash flow $36.2MFY2022: Asset sales $26KFY2022: Capital spending −$5.7MFY2022: Acquisitions −$4.9MFY2022: Buybacks −$133KFY2022: Dividends −$9.2M$36.2MFY2022FY2023: Operating cash flow $7.4MFY2023: Asset sales $529KFY2023: Capital spending −$9.2MFY2023: Buybacks −$959KFY2023: Dividends −$11.0M$8.0MFY2023FY2024: Operating cash flow $29.8MFY2024: Asset sales $275KFY2024: Capital spending −$7.4MFY2024: Buybacks −$1.1MFY2024: Dividends −$29.9M$30.1MFY2024FY2025: Operating cash flow $30.9MFY2025: Asset sales $515KFY2025: Capital spending −$5.6MFY2025: Acquisitions −$4.5MFY2025: Dividends −$19.9M$31.5MFY2025
Over these 5 years operating cash flow totalled $156M; the largest uses were dividends ($108M) and capital spending ($34.4M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$78.9M
Debtnone
Net cash$78.9M

Investors Title funds itself: free cash flow was $26.3M over the last twelve months, with $78.9M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Investors Title: sources (+) and uses (−) of cash, Q2 2026Investors Title: sources (+) and uses (−) of cash, Q2 2026Other investing−$11.7MOperating cash flow$8.1MCash drawn (+) / kept (−)$6.2MCapital spending−$1.9MDividends−$870KAsset & business sales$69K
Investors Title: sources (+) and uses (−) of cash, TTM to Q2 2026Investors Title: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow$31.9MDividends−$19.9MOther investing−$15.7MCash drawn (+) / kept (−)$9.2MCapital spending−$5.6MAsset & business sales$131K

From profit to cash

Investors Title: net income to operating cash flow, Q2 2026Investors Title: net income to operating cash flow, Q2 2026Net income$14.6MDepreciation & amortization$1.2MStock-based pay$119KDeferred taxes$1.2MGains on investments−$4.8MGains on disposals−$62KReceivables−$1.9MPayables$2.7MPrepaid and other assets−$1.3MIncome taxes payable−$660KOperating cash flow$8.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q2 2026$8.1M−$1.9M—−$870K$6.2M$6.3M
Q1 2026$1.6M−$1.1M—−$867K−$5.9M$569K
Q4 2025$5.0M−$1.3M—−$17.3M$1.9M$3.7M
Q3 2025$17.2M−$1.3M—−$868K$6.9M$15.8M
Q2 2025$8.9M−$1.6M—−$868K−$2.1M$7.3M
Q1 2025−$75K−$1.3M—−$868K−$2.9M−$1.4M
Q4 2024$12.1M−$1.3M−$1K−$27.3M$810K$10.8M
Q3 2024$7.8M−$1.7M—−$867K$1.2M$6.1M

Investors Title: income statement and cash flow

Investors Title, Q3 2026: revenue $81.9M (+12% year over year), operating margin 13.9%. The chart follows the revenue to costs, profit and cash.

Investors Title: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.