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Old Republic International Corporation logo

Old Republic International Corporation

ORI

NYSEFinancial ServicesInsurance - Property & Casualty

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Previous close

$41.58

−$0.22 · -0.53%

Aug 21, 4:00 PM ET

ORI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

96

Deep Value

Momentum

42

Neutral

Sentiment

69

Bullish

Risk resilience

80

Low Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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. It also provides financial indemnity solutions, including specialty coverages like errors and omissions, fidelity bonds, guaranteed asset protection, and surety bonds. This segment serves a wide range of clients, encompassing businesses, government agencies, and other institutions across industries like transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services. The Title Insurance segment issues both lenders' and owners' title insurance policies, protecting real estate purchasers and investors. These policies are based on meticulous searches of public records. Additionally, this segment offers escrow closing and construction disbursement services, provides real estate information products, national default management services, and various other essential services related to real estate transfers and loan transactions. Lastly, the Republic Financial Indemnity Group Run-off Business segment focuses on private mortgage insurance coverage. This product protects mortgage lenders and investors from losses arising from defaults on residential mortgage loans, primarily those granted to homebuyers. Founded in 1923, the corporation is headquartered in Chicago, Illinois.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Craig Richard Smiddy
Listed since
Mar 17, 1980
Employees
9,500

Market position

Day range

Current $41.58

52-week range

Current $41.58

Open
$41.99
Previous close
$41.80
Volume
722.09K
0.51× average
Average volume
1.43M
Average daily volume
Market cap
10.13B USD
Beta
0.62
Market reference 1
50-day average
$41.6132
-0.08% below average
200-day average
$41.5429
+0.09% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
12.45B USD
P/E (TTM)
8.88×
P/B (TTM)
1.65×
P/S (TTM)
1.05×
EV / EBITDA
10.07×
Earnings yield
8.41%
Free cash flow yield
10.46%
Dividend yield
8.92%

Profitability & efficiency

Gross margin
51.90%
Operating margin
15.16%
Net margin
11.78%
Return on equity
15.83%
Return on assets
3.13%
Return on invested capital
3.67%

Financial health

Debt / equity
0.38×
Current ratio
3.4×
Altman Z-score
1.18
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends81%55%28%2%Gross margin, FY2021: 74.33%Gross margin, FY2022: 69.97%Gross margin, FY2023: 64.45%Gross margin, FY2024: 63.26%Gross margin, FY2025: 50.35%Operating margin, FY2021: 20.57%Operating margin, FY2022: 10.60%Operating margin, FY2023: 10.30%Operating margin, FY2024: 12.99%Operating margin, FY2025: 13.02%Net margin, FY2021: 16.42%Net margin, FY2022: 8.49%Net margin, FY2023: 8.25%Net margin, FY2024: 10.36%Net margin, FY2025: 10.30%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 74.33%. Gross margin FY2022 69.97%. Gross margin FY2023 64.45%. Gross margin FY2024 63.26%. Gross margin FY2025 50.35%. Operating margin FY2021 20.57%. Operating margin FY2022 10.60%. Operating margin FY2023 10.30%. Operating margin FY2024 12.99%. Operating margin FY2025 13.02%. Net margin FY2021 16.42%. Net margin FY2022 8.49%. Net margin FY2023 8.25%. Net margin FY2024 10.36%. Net margin FY2025 10.30%.

Income trends

Revenue

9.09B USD+10.41%

Operating income

1.18B USD+10.63%

Net income

936.1M USD+9.78%
Income trends across reported periods10.22B USD6.72B USD3.22B USD−275.68M USDRevenue, FY2021: 9.34B USDRevenue, FY2022: 8.08B USDRevenue, FY2023: 7.26B USDRevenue, FY2024: 8.23B USDRevenue, FY2025: 9.09B USDOperating income, FY2021: 1.92B USDOperating income, FY2022: 857.1M USDOperating income, FY2023: 747.3M USDOperating income, FY2024: 1.07B USDOperating income, FY2025: 1.18B USDNet income, FY2021: 1.53B USDNet income, FY2022: 686.4M USDNet income, FY2023: 598.6M USDNet income, FY2024: 852.7M USDNet income, FY2025: 936.1M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 9.34B USD. Revenue FY2022 8.08B USD. Revenue FY2023 7.26B USD. Revenue FY2024 8.23B USD. Revenue FY2025 9.09B USD. Operating income FY2021 1.92B USD. Operating income FY2022 857.1M USD. Operating income FY2023 747.3M USD. Operating income FY2024 1.07B USD. Operating income FY2025 1.18B USD. Net income FY2021 1.53B USD. Net income FY2022 686.4M USD. Net income FY2023 598.6M USD. Net income FY2024 852.7M USD. Net income FY2025 936.1M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue9.09B USD8.23B USD7.26B USD8.08B USD9.34B USD
Cost of goods sold4.51B USD3.02B USD2.58B USD2.43B USD2.4B USD
Gross profit4.58B USD5.21B USD4.68B USD5.66B USD6.94B USD
Operating expenses3.39B USD4.14B USD3.93B USD4.8B USD5.02B USD
Interest income183.8M USD————
Interest expense70.1M USD77.3M USD70.5M USD66.7M USD56.2M USD
Depreciation and amortization——33M USD28.3M USD27.2M USD
Operating income1.18B USD1.07B USD747.3M USD857.1M USD1.92B USD
Net income936.1M USD852.7M USD598.6M USD686.4M USD1.53B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+6.62%
11 comparable reports
Latest EPS result
0.76
Estimate 0.79 · Miss by 4.16%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.150.980.810.64Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.9, estimate 0.71, surprise +26.76%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.81, estimate 0.74, surprise +9.46%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.83, estimate 0.79, surprise +5.06%, Beat. Q4 2025, reported Oct 23, 2025: actual 1.11, estimate 0.761, surprise +45.86%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.74, estimate 0.89, surprise -16.85%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.68, estimate 0.793, surprise -14.25%, Miss. Q3 2026, reported Jul 23, 2026: actual 0.76, estimate 0.793, surprise -4.16%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.77, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.6B2.37B2.14B1.9BQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 2B USD, estimate 2.01B USD, surprise -0.27%, Miss. Q2 2025, reported Apr 24, 2025: actual 2.11B USD, estimate 2.03B USD, surprise +3.90%, Beat. Q3 2025, reported Jul 24, 2025: actual 2.21B USD, estimate 2.29B USD, surprise -3.46%, Miss. Q4 2025, reported Oct 23, 2025: actual 2.42B USD, estimate 2.28B USD, surprise +6.49%, Beat. Q1 2026, reported Jan 22, 2026: actual 2.39B USD, estimate 2.31B USD, surprise +3.28%, Beat. Q2 2026, reported Apr 23, 2026: actual 2.4B USD, estimate 2.27B USD, surprise +5.71%, Beat. Q3 2026, reported Jul 23, 2026: actual 2.5B USD, estimate 2.38B USD, surprise +5.42%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 2.49B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

5 ratings
Strong buy120%
Buy00%
Hold480%
Sell00%
Strong sell00%

ORI news

prnewswire.com

OLD REPUBLIC DECLARES THIRD QUARTER REGULAR DIVIDEND OF 31.5 CENTS PER SHARE

CHICAGO, Aug. 14, 2026 /PRNewswire/ -- Old Republic International Corporation (NYSE: ORI) today announced its Board of Directors has declared a regular quarterly dividend of 31.5 cents per share. This dividend is payable…

Read source
prnewswire.com

OLD REPUBLIC ANNOUNCES STRATEGIC HIRE AT OLD REPUBLIC EXCESS & SURPLUS

CHICAGO, Aug. 6, 2026 /PRNewswire/ -- Old Republic International Corporation (NYSE: ORI) – today announced that John Paulk has been appointed Chief Operating Officer of Old Republic Excess & Surplus, reporting to Ralph…

Read source
defenseworld.net

Assetmark Inc. Lowers Position in Old Republic International Corporation $ORI

Assetmark Inc. lessened its stake in Old Republic International Corporation (NYSE: ORI) by 80.1% in the undefined quarter, according to its most recent filing with the SEC. The fund owned 31,459 shares of the insurance…

Read source
marketbeat.com

Old Republic International Q2 Earnings Call Highlights

Old Republic International NYSE: ORI reported lower second-quarter operating earnings as weaker specialty insurance underwriting results offset a stronger performance in its title insurance segment, management said on…

Read source
seekingalpha.com

Old Republic International Corporation (ORI) Q2 2026 Earnings Call Transcript

Old Republic International Corporation (ORI) Q2 2026 Earnings Call Transcript

Read source
zacks.com

Old Republic (ORI) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Old Republic (ORI) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the…

Read source

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ETFs holding ORI

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
329.48M
Weight
0.26%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.77+0.52%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
300.7M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Schwab U.S. Dividend Equity ETF logoSchwab U.S. Dividend Equity ETFSCHD
Market value
255.95M
Weight
0.23%
AUM
112B USD
Expense ratio
0.06%
Price / 1D
$35.11+0.80%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
217.01M
Weight
0.12%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
iShares Select Dividend ETF logoiShares Select Dividend ETFDVY
Market value
183.12M
Weight
0.77%
AUM
23.86B USD
Expense ratio
0.38%
Price / 1D
$164.09-0.16%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
137.88M
Weight
0.20%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Fidelity High Dividend ETF logoFidelity High Dividend ETFFDVV
Market value
128.85M
Weight
1.24%
AUM
10.16B USD
Expense ratio
0.15%
Price / 1D
$63.13+0.13%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
111.47M
Weight
0.12%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%

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