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Old Republic International Corporation ORI R3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.oldrepublic.com
Company Profile ↓
$40.77
+14.92% 1Y
Mkt Cap$9.84B
P/E8.94
P/B1.58
Div. Yield3.11%
52W High$44.26
52W Low$34.90
Book Value$25.32
EPS (TTM)$4.56

Company Overview

Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada. It operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment provides lines of coverages, such as accident and health, aviation, commercial auto, commercial multi-peril, commercial property, cyber, environmental, excess and surplus, home and auto warranty, automobile extended warranty, general liability, inland marine, travel accident, and workers' compensation, as well as financial indemnity, including directors and officers, errors and omissions, fidelity, and surety coverages. This segment offers its products to transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment insures against losses arising out of defects, liens and encumbrances affecting the insured title to real estate purchasers and investors. This segment also provides escrow closing and construction disbursement services; and real estate information products; national default management services; and various other services pertaining to real estate transfers and loan transactions. The company was founded in 1923 and is based in Chicago, Illinois.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 18.6%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 10.9% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 8.9, below the sector median of 12.9.

Healthy Margins

Operating margin of 17.4% supports profitability.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.38.

Dividend Income

Offers a dividend yield of 3.11%.

Recent Developments

  • Dec 2025 Revenue of $9.14B (+11.0% YoY); net profit $935.40M.
  • Trailing 12 Months Year-on-year growth — revenue +13.4%, earnings +61.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.3%, profit CAGR 10.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.29%
1 Year:13.40%

Compounded Profit Growth

5 Years:10.86%
1 Year:61.70%

Stock Price Performance

1 Year:+14.92%
6 Months:+1.33%
3 Months:+9.38%
1 Month:-4.55%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 63% of range
$34.90 $44.26
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)39.37 · Neutral
Price Performance
1M-4.55%
3M+9.38%
6M+1.33%
1Y+14.92%
Valuation vs Sector

P/E of 8.94 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 10.9% over 5 years.
  • Attractive dividend yield of 3.11%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
8.94
Industry PE
12.89
Forward P/E
12.35
PEG Ratio
1.39
Book Value
$25.32
Price to Book
1.58
P/S
0.99
EV/EBITDA
6.03
Dividend Yield
3.11%

Growth (CAGR)

Revenue 5Y
6.29%
Profit 5Y
10.86%
Revenue (YoY)
13.40%
Earnings (YoY)
61.70%

Profitability & Returns

ROCE
-
ROE
18.57%
ROA
3.12%
Profit Margin
11.71%
Op Margin
17.45%
Gross Margin
63.92%
EPS (Latest Qtr)
$1.31
EPS (TTM)
$4.56

Balance Sheet & Liquidity

Debt/Equity
0.38
Quick Ratio
0.26
Current Ratio
0.29
Debt
$2.28B
Total Assets
$31.59B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
7.73%
Chg in Prom Hold
-0.00%
FII / Inst Holding
78.94%
Chg in FII Hold
-0.05%

Financial Snapshot

Enterprise Value
$9.84B
Total Revenue (TTM)
$9.72B
EBITDA
$1.55B
Free Cash Flow
$1.42B
Operating Cash Flow
$1.28B
Shares Outstanding
241.43M
Gross Margin
63.92%
Payout Ratio
26.54%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ORI Old Republic International Corporation R3KFINANCIAL 40.77 8.94 $9.84B 3.11% - 18.57% 6.29% 10.86%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 1.50B1.55B1.44B1.50B1.59B1.73B1.33B1.63B1.78B1.28B1.91B1.70B1.84B2.00B764.00M2.03B1.95B2.42B2.35B2.25B2.01B2.72B2.21B1.81B1.72B2.35B1.76B1.80B1.76B1.94B2.02B1.87B2.34B2.00B2.11B2.21B2.42B2.39B2.40B2.50B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -----------------------------------277.70M370.20M280.50M431.10M436.70M
EBITDA ----------------------------------------
Interest Expense -----------------------------------17.60M17.30M17.40M17.70M26.50M
Pretax Income -----------------------------------260.10M352.90M263.10M413.40M410.20M
Tax Provision -----------------------------------51.70M72.80M56.00M83.80M85.70M
Net Income 110.90M131.90M113.10M101.60M46.10M299.60M4.00M197.70M275.20M-106.50M412.20M165.50M202.80M275.80M-604.80M397.70M246.00M519.70M502.10M316.40M88.70M627.00M306.30M-40.10M-91.70M512.10M199.80M155.50M52.60M190.60M316.70M91.80M338.90M105.10M245.00M204.40M279.50M206.40M330.00M322.30M
Diluted EPS 0.390.460.390.350.171.010.010.660.92-0.361.370.550.670.91-2.011.340.831.741.681.050.292.061.00-0.13-0.311.730.680.540.190.691.150.351.320.420.980.811.110.821.321.31

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 3.24B3.80B4.10B4.65B4.97B5.44B5.53B5.77B5.90B6.26B6.26B7.46B7.17B9.34B8.08B7.26B8.23B9.14B
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income --------------924.10M817.90M1.15B1.25B
EBITDA ------------------
Interest Expense --------------66.70M70.50M77.30M70.30M
Pretax Income --------------857.40M747.40M1.07B1.18B
Tax Provision --------------170.90M148.70M216.90M242.10M
Net Income -558.30M-99.10M30.10M-140.50M-68.60M447.80M409.70M422.10M466.90M560.50M370.50M1.06B558.60M1.53B686.40M598.60M852.70M935.40M
Diluted EPS -2.41-0.420.13-0.55-0.271.571.441.481.621.921.243.511.875.052.262.103.243.72

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets 14.19B15.88B16.05B16.23B16.53B16.99B17.10B18.59B19.40B19.33B21.08B22.82B-25.16B26.50B27.84B29.86B
Current Assets -----------------
Cash & Equivalents -------------81.00M202.80M201.90M263.20M
Inventory -----------------
Receivables -------------6.75B7.35B8.46B9.39B
Total Liabilities 10.30B11.76B12.28B12.63B12.76B13.06B13.22B14.13B14.67B14.18B15.08B16.63B-18.99B20.09B22.22B23.93B
Current Liabilities -----------------
Long Term Debt -------------1.20B1.19B1.59B1.59B
Total Debt -------------1.60B1.59B1.59B1.59B
Total Equity 3.89B4.12B3.77B3.60B3.77B3.92B3.88B4.46B4.73B5.15B6.00B6.19B-6.17B6.41B5.62B5.91B
Shares Outstanding -------------296.93M278.39M248.82M246.36M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 565.60M532.90M-282.20M-94.90M532.00M686.70M-181.20M688.20M637.30M452.80M760.50M936.20M1.19B-1.17B880.40M1.23B1.16B
Investing Cash Flow -607.30M-464.50M499.80M-187.10M-3.70M-457.60M-43.30M-449.80M-1.04B-293.90M-239.50M-424.60M-845.20M--415.00M25.30M-3.90M-177.20M
Financing Cash Flow 51.50M-55.10M-167.60M247.80M-520.00M-176.90M207.90M-215.20M385.00M-178.50M-546.50M-533.10M-300.00M--832.70M-783.20M-1.23B-925.70M
Capital Expenditure ------------------
Free Cash Flow --------------1.17B880.40M1.23B1.16B
Net Change in Cash ---------------77.10M122.50M2.60M61.40M
Share Buybacks 000---------00281.20M535.30M942.20M123.80M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % --------------11.4%11.3%13.9%13.7%
Net Margin % -17.2%-2.6%0.7%-3.0%-1.4%8.2%7.4%7.3%7.9%8.9%5.9%14.2%7.8%16.4%8.5%8.2%10.4%10.2%
ROE % --2.5%0.7%-3.7%-1.9%11.9%10.4%10.9%10.5%11.8%7.2%17.6%9.0%-11.1%9.3%15.2%15.8%
ROCE % ------------------

Shareholding Pattern

Insiders
7.73%
Institutions
78.94%
Public Float
85.56%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.90% 26.31M $1.05B
2 Bank Of New York Mellon Corporation 4.98% 12.02M $480.00M
3 Vanguard Portfolio Management LLC 4.80% 11.60M $463.35M
4 State Street Corporation 4.17% 10.06M $401.87M
5 Vanguard Capital Management LLC 4.10% 9.91M $395.88M
6 Geode Capital Management, LLC 3.24% 7.82M $312.60M
7 Charles Schwab Investment Management, Inc. 3.10% 7.50M $299.46M
8 Dimensional Fund Advisors LP 2.90% 6.99M $279.43M
9 Victory Capital Management Inc. 2.59% 6.25M $249.67M
10 AQR Capital Management, LLC 2.09% 5.04M $201.23M

Analyst View

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Latest News

Recent headlines for ORI

Google News Fri, 24 Jul 2026

Old Republic International (ORI) Stock Looks Reasonable On Its 153% Run - finance.yahoo.com

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Google News hu, 03 Sep 2026

Old Republic International (NYSE:ORI) SVP Sells 4,386 Shares of Stock - marketbeat.com

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Google News hu, 03 Sep 2026

3 Stocks Under $50 with Open Questions - StockStory

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Google News hu, 03 Sep 2026

Lucid Group, Inc. (LCID) director sells shares under preset trading plan - Stock Titan

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Google News ue, 25 Aug 2026

Old Republic: Thin Margins Leave Shares Fully Valued (Downgrade) - Seeking Alpha

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Google News hu, 03 Sep 2026

Old Republic SVP Carolyn Monroe sells $184k of ORI common stock - Investing.com Canada

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ORI — Frequently Asked Questions

What is the current share price of Old Republic International Corporation (ORI)?

As of 2026-09-19 21:16 PDT, Old Republic International Corporation (ORI) trades at $40.77 on NYSE. Its 52-week range is $34.90 to $44.26.

What is the market capitalisation of ORI?

Old Republic International Corporation (ORI) has a market capitalisation of $9.84B on NYSE.

What is the P/E ratio of ORI?

ORI trades at a trailing price-to-earnings (P/E) ratio of 8.94. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.58.

Does ORI pay a dividend?

Old Republic International Corporation (ORI) currently offers a dividend yield of 3.11%.

What is the return on equity (ROE) of ORI?

ORI has a return on equity (ROE) of 18.57%.

Is ORI a good stock to buy?

This page provides a data-driven analysis of Old Republic International Corporation (ORI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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