Old Republic International Corporation
ORI · Price history
Price at last available close
$38.10
+$0.08 (+0.21%) 1M
2026-10-27
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Company & revenue
About Old Republic International Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Old Republic International Corporation (ORI), through its various subsidiary entities, specializes in insurance underwriting and related services, primarily conducting business in the United States and Canada. The company organizes its operations into three main divisions: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers an extensive array of insurance products, such as extended auto warranties, aviation coverage, commercial vehicle policies, multi-peril and property insurance for businesses, general liability, home warranties, inland marine, travel accident, and workers' compensation.
How they make money
Old Republic International Corporation operates as a specialty insurer, generating revenue primarily through the collection of insurance premiums and fees for underwriting property and casualty and title insurance policies. The company manages its financial performance by investing these collected premiums in a portfolio of fixed-income securities and equities, aiming to earn investment income while maintaining sufficient reserves to cover future claims and operational costs.
Products & services
The company provides property and casualty insurance, title insurance, and a small life and accident insurance business, offering specialized coverage for businesses, individuals, and public institutions.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Reinsurance providers — Various third-party reinsurers that provide risk-sharing capacity for the company's insurance underwriting operations.Source
Competitors
- Property and Casualty Insurance Industry Participants — Various national and regional insurance companies that compete for market share in specialized commercial and personal lines of insurance.Source
- Title Insurance Industry Participants — Other title insurance underwriters that compete for real estate transaction-related insurance business.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
70
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
75
Strong
Financial Strength
78
Business Quality / Moat
69
Management
94
Growth Quality
43
Risk / Durability
94
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
75
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
71/100
Building Historical Record
Model Score 71/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Strong overall Wall Street Score
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •M&A headline · Oct 24, 2026
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for ORI
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can ORI maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is ORI's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ORI's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is ORI's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
70
Opportunity Score
75
Market Cap
$9.20B
P/E Ratio
8.6
EPS
$4.55
52-Week High
$46.76
52-Week Low
$36.65
Beta
0.59
Intrinsic Value
$74.91
Analyst Target
$42.00
Shares Outstanding
249.6M
Total Revenue
$9.67B
Total Debt
$1.59B
Dividend Yield (TTM)
9.80%
Liquidation Value / Share
$23.60
Dividend / Share (TTM)
$3.74
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ORI
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Oct 24, 2026
18,642 Shares of Old Republic International Corporation $ORI Acquired by Boomfish Wealth Group LLC — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on ORI.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-term stewardship and financial stability.
- +Decentralized management structure emphasizing specialization.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Reliance on estimates and assumptions for premium pricing and loss reserves.
- −Investment portfolio exposure to market volatility and interest rate changes.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
62
Oct 22, 2026
Change
+8.4
points
Current Score
70
Oct 23, 2026
Category Changes
ORI increased 8.4 points because overall fundamentals improved.
Projected Score
Projected Score
74
Projected Change
+3.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$38.10
Model Intrinsic Value
$74.91
Difference
−$36.81
-49.1% vs IV
Margin of Safety
49.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.67B | $9.09B | $8.23B | $7.26B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $4.74B | $4.51B | $3.02B | $2.58B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $4.93B | $4.58B | $5.21B | $4.68B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $2.48B | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $3.64B | $3.39B | $4.14B | $3.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.30B | $1.24B | $1.15B | $850.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.29B | $1.18B | $1.07B | $747.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $87.1M | $70.1M | $77.3M | $70.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $1.36B | $1.18B | $1.07B | $747.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $253.1M | $241.9M | $216.9M | $148.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $1.10B | $936.1M | $852.7M | $598.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.55 | $3.84 | $3.30 | $2.12 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 241M | 244M | 258M | 282M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 246M | 250M | 263M | 285M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$2.43B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.99
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-100.0%
Cash Change
+38.6%
Margin Change
-1.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
- Debt reduced
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included revenue growth, cash levels, debt levels. Pressure indicators included EPS growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 0.1%. EPS declined 10.8%. Cash increased 38.6%. Total debt declined 100.0%. Net income margin declined by 1.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
41
Smart Money
41
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
18,642 Shares of Old Republic International Corporation $ORI Acquired by Boomfish Wealth Group LLC
Old Republic International Corporation (ORI) Q3 2026 Earnings Call Transcript
Old Republic International Q3 Earnings Call Highlights
Old Republic (ORI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Rumor Mill · ORI
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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