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ORIOld Republic International Corporation
$41.85$10.2B
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ORI logoOld Republic International Corporation(ORI)Earnings, Financials & Key Ratios

ORI•NYSE•Insurance & Managed Care
$41.85
11.2× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryHousing and title insurers
AboutOld Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. The company operates through three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers automobile extended warranty, aviation, commercial automobile, commercial multi-peril, commercial property, general liability, home warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, guaranteed asset protection, and surety. This segment provides its insurance products to businesses, government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders' and owners' title insurance policies to real estate purchasers and investors based upon searches of the public records. 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 Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. The company was founded in 1923 and is based in Chicago, Illinois.Show more
  • Revenue$9.09B+10.4%
  • Combined Ratio86.98%
  • Net Income$936M+9.8%
  • Return on Equity16.21%+14.4%
  • Medical Cost Ratio49.65%+35.1%
  • Operating Margin13.02%+0.2%
  • Net Margin10.3%-0.6%
  • ROA3.24%+3.4%
  • Equity / Assets19.85%-1.6%

ORI Price & Volume

Old Republic International Corporation (ORI) stock price & volume — 10-year historical chart

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Specialty Underwriting Resilience Offsets Litigation Reserve Pressures

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Commercial auto litigation exposure

Key Thesis Takeaways

  • Old Republic International demonstrates a resilient underwriting model, evidenced by a 13.5% year-over-year revenue growth in 2026Q1, which successfully mitigates cyclical headwinds in the title insurance market.
  • While the company maintains a fortress balance sheet with $5.9 billion in equity, investors should monitor the potential for reserve inadequacy following the 88.0% loss ratio spike observed in 2025Q4.
  • The firm's ability to sustain a 7.6% dividend yield appears contingent on tactical investment portfolio liquidations, warranting caution regarding long-term cash flow sustainability.

Verdict Logic

while the 0.75 PEG ratio suggests potential value, the 88.0% loss ratio recorded in 2025Q4 indicates significant litigation risks that may threaten future earnings stability.

ORI Growth Metrics

Old Republic International Corporation (ORI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.65%
5 Years4.87%
3 Years3.98%
TTM12.53%

Profit CAGR

10 Years8.29%
5 Years10.88%
3 Years10.9%
TTM30.78%

EPS CAGR

10 Years9.68%
5 Years14.81%
3 Years18.18%
TTM32.57%

Return on Capital

10 Years5.42%
5 Years5.18%
3 Years4.21%
Last Year4.75%

ORI Recent Earnings

Old Republic International Corporation (ORI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.68-14.2%
$0.79
Rev
$2.4B+5.7%
$2.3B
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.74-16.9%
$0.89
Rev
$2.4B+3.3%
$2.3B
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$1.11+45.9%
$0.76
Rev
$2.4B+6.5%
$2.3B
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.83+5.1%
$0.79
Rev
$2.2B-3.5%
$2.3B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.68vs $0.79-14.2%
$2.4Bvs $2.3B+5.7%
Q1 2026Jan 22, 2026
$0.74vs $0.89-16.9%
$2.4Bvs $2.3B+3.3%
Q4 2025Oct 23, 2025
$1.11vs $0.76+45.9%
$2.4Bvs $2.3B+6.5%
Q3 2025Jul 24, 2025
$0.83vs $0.79+5.1%
$2.2Bvs $2.3B-3.5%
Based on last 12 quarters of dataView full earnings history →

Latest ORI News

Recent stock market news and headlines for Old Republic International Corporation (ORI)

PRNewsWire·Jun 30, 2026
OLD REPUBLIC ANNOUNCES RESULTS OF THE SPECIAL MEETING OF MEMBERS OF EVERETT CASH MUTUAL INSURANCE CO.

CHICAGO, June 30, 2026 /PRNewswire/ -- Old Republic International Corporation (NYSE: ORI) – today announced the results of the special meeting of the members of Everett Cash Mutual Insurance Co. ("ECM") held this morning at which members approved, among other matters, the conversion of ECM from a mutual insurance company to a stock insurance company named ECM Insurance Company and the acquisition of ECM Insurance Company and its subsidiaries (the "ECM Group") by Old Republic. In addition, Old Republic completed its offering of shares of its common stock for cash on a subscription basis to certain of the ECM members, employees, and non-employee directors.

Peers Comparison

Key metrics vs top competitors for Old Republic International Corporation (ORI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ORI logoORIOld Republic International CorporationCurrent
$41.85$10.19B11.2210.41%10.3%16.21%7.49%
HIG logoHIGThe Hartford Financial Services Group, Inc.
$139.64$38.4B10.487.1%14.13%22.01%—
CNA logoCNACNA Financial Corporation
$51.80$14.01B11.045.1%8.95%11.94%—
WRB logoWRBW. R. Berkley Corporation
$71.54$26.63B16.087.82%12.64%19.47%—
MKL logoMKLMarkel Corporation
$1969.34$24.64B11.64-0.96%10.7%9.56%—
HCI logoHCIHCI Group, Inc.
$180.41$2.34B7.2520.21%32.64%30.81%—

Compare ORI vs Peers

Old Republic International Corporation (ORI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HIG

Most directly comparable listed peer for ORI.

Scale Benchmark

vs CB

Larger-name benchmark to compare ORI against a more recognizable public peer.

Peer Set

Compare Top 5

vs HIG, CNA, WRB, MKL

ORI SEC Filings & Documents

Old Republic International Corporation (ORI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 27, 2026·SEC

Material company update

May 18, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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ORI Frequently Asked Questions

Old Republic International Corporation (ORI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Old Republic International Corporation growing?

Old Republic International Corporation (ORI) grew revenue by 10.4% over the past year. This is steady growth.

Is ORI profitable?

Yes, Old Republic International Corporation (ORI) is profitable, generating $1.02B in net income for fiscal year 2025 (10.3% net margin).

Dividend & Returns
Does ORI pay dividends?

Yes, Old Republic International Corporation (ORI) pays a dividend with a yield of 7.49%. This makes it attractive for income-focused investors.

What is ORI's return on equity?

Old Republic International Corporation (ORI) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.

Industry Metrics
What is Old Republic International Corporation's combined ratio?

Old Republic International Corporation (ORI) has a combined ratio of 87.0%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ORI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →