OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ORI - US6802231042 - Common Stock
43.26 USD
-0.03 (-0.07%)
43.26 USD
0 (0%)
ORI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. ORI has only an average score on both its financial health and profitability. While showing a medium growth rate, ORI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year ORI was profitable.
In the past year ORI had a positive cash flow from operations.
Each year in the past 5 years ORI has been profitable.
Each year in the past 5 years ORI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ORI (2.76%) is better than 60.54% of its industry peers.
ORI has a Return On Equity (12.98%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 3.05%, ORI is in line with its industry, outperforming 57.82% of the companies in the same industry.
ORI had an Average Return On Invested Capital over the past 3 years of 3.47%. This is significantly below the industry average of 14.90%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.76% | ||
| ROE | 12.98% | ||
| ROIC | 3.05% |
ROA(3y)2.68%
ROA(5y)3.33%
ROE(3y)11.88%
ROE(5y)13.39%
ROIC(3y)3.47%
ROIC(5y)3.53%
1.3 Margins
ORI's Profit Margin of 9.53% is in line compared to the rest of the industry. ORI outperforms 55.78% of its industry peers.
ORI's Profit Margin has declined in the last couple of years.
ORI has a Operating Margin of 12.93%. This is comparable to the rest of the industry: ORI outperforms 53.06% of its industry peers.
ORI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.93% | ||
| PM (TTM) | 9.53% | ||
| GM | N/A |
OM growth 3Y-0.36%
OM growth 5Y4.91%
PM growth 3Y-16.67%
PM growth 5Y-7.66%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ORI has less shares outstanding than it did 1 year ago.
ORI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ORI has an improved debt to assets ratio.
2.2 Solvency
ORI has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
The Debt to FCF ratio of ORI (1.23) is better than 65.31% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that ORI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.25, ORI is in the better half of the industry, outperforming 63.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ORI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.31%, which is quite good.
Measured over the past years, ORI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.68% on average per year.
Looking at the last year, ORI shows a quite strong growth in Revenue. The Revenue has grown by 9.37% in the last year.
Measured over the past years, ORI shows a small growth in Revenue. The Revenue has been growing by 3.76% on average per year.
EPS 1Y (TTM)17.31%
EPS 3Y-0.54%
EPS 5Y10.68%
EPS Q2Q%9.86%
Revenue 1Y (TTM)9.37%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%8.19%
3.2 Future
Based on estimates for the next years, ORI will show a small growth in Earnings Per Share. The EPS will grow by 6.15% on average per year.
The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y8.75%
EPS Next 2Y8.36%
EPS Next 3Y6.15%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y7.61%
Revenue Next 3Y7.22%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.03, the valuation of ORI can be described as correct.
ORI's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.28, ORI is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.12, ORI is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ORI is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, ORI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 12.12 |
4.2 Price Multiples
ORI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.49
PEG (5Y)1.22
EPS Next 2Y8.36%
EPS Next 3Y6.15%
5. Dividend
5.1 Amount
ORI has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
ORI's Dividend Yield is a higher than the industry average which is at 3.48.
ORI's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
The dividend of ORI decreases each year by -10.29%.
ORI has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of ORI decreased in the last 3 years.
Dividend Growth(5Y)-10.29%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
93.13% of the earnings are spent on dividend by ORI. This is not a sustainable payout ratio.
DP93.13%
EPS Next 2Y8.36%
EPS Next 3Y6.15%
43.26
-0.03 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners76.59%
Inst Owner Change1.21%
Ins Owners0.26%
Ins Owner Change-1.06%
Market Cap10.70B
Revenue(TTM)8.76B
Net Income(TTM)834.00M
Analysts80
Price Target47.43 (9.64%)
Short Float %2.51%
Short Ratio3.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend1.03
Dividend Growth(5Y)-10.29%
DP93.13%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.45%
Min EPS beat(2)0.82%
Max EPS beat(2)2.08%
EPS beat(4)4
Avg EPS beat(4)9.78%
Min EPS beat(4)0.82%
Max EPS beat(4)27.98%
EPS beat(8)6
Avg EPS beat(8)6.41%
EPS beat(12)10
Avg EPS beat(12)11.06%
EPS beat(16)13
Avg EPS beat(16)10.52%
Revenue beat(2)2
Avg Revenue beat(2)0.81%
Min Revenue beat(2)0.72%
Max Revenue beat(2)0.9%
Revenue beat(4)4
Avg Revenue beat(4)0.7%
Min Revenue beat(4)0.19%
Max Revenue beat(4)1%
Revenue beat(8)6
Avg Revenue beat(8)0.77%
Revenue beat(12)6
Avg Revenue beat(12)-0.46%
Revenue beat(16)10
Avg Revenue beat(16)1.3%
PT rev (1m)0%
PT rev (3m)10.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2%
EPS NY rev (1m)0%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 12.12 | ||
| P/S | 1.22 | ||
| P/FCF | 8.29 | ||
| P/OCF | 8.29 | ||
| P/B | 1.67 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.32
EY7.67%
EPS(NY)3.57
Fwd EY8.25%
FCF(TTM)5.22
FCFY12.06%
OCF(TTM)5.22
OCFY12.06%
SpS35.38
BVpS25.96
TBVpS25.96
PEG (NY)1.49
PEG (5Y)1.22
Graham Number44.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.76% | ||
| ROE | 12.98% | ||
| ROCE | 3.81% | ||
| ROIC | 3.05% | ||
| ROICexc | 3.07% | ||
| ROICexgc | 4.58% | ||
| OM | 12.93% | ||
| PM (TTM) | 9.53% | ||
| GM | N/A | ||
| FCFM | 14.75% |
ROA(3y)2.68%
ROA(5y)3.33%
ROE(3y)11.88%
ROE(5y)13.39%
ROIC(3y)3.47%
ROIC(5y)3.53%
ROICexc(3y)3.48%
ROICexc(5y)3.54%
ROICexgc(3y)4.98%
ROICexgc(5y)4.93%
ROCE(3y)4.34%
ROCE(5y)4.41%
ROICexgc growth 3Y-1.39%
ROICexgc growth 5Y5.68%
ROICexc growth 3Y-4.36%
ROICexc growth 5Y3.37%
OM growth 3Y-0.36%
OM growth 5Y4.91%
PM growth 3Y-16.67%
PM growth 5Y-7.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 16.34 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 154.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)153.91%
Profit Quality(5y)151.85%
High Growth Momentum
Growth
EPS 1Y (TTM)17.31%
EPS 3Y-0.54%
EPS 5Y10.68%
EPS Q2Q%9.86%
EPS Next Y8.75%
EPS Next 2Y8.36%
EPS Next 3Y6.15%
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%8.19%
Revenue Next Year9.14%
Revenue Next 2Y7.61%
Revenue Next 3Y7.22%
Revenue Next 5YN/A
EBIT growth 1Y3.58%
EBIT growth 3Y-1.69%
EBIT growth 5Y8.85%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y49.37%
FCF growth 3Y-2.12%
FCF growth 5Y5.61%
OCF growth 1Y49.37%
OCF growth 3Y-2.12%
OCF growth 5Y5.61%
OLD REPUBLIC INTL CORP / ORI FAQ
What is the fundamental rating for ORI stock?
ChartMill assigns a fundamental rating of 4 / 10 to ORI.
What is the valuation status for ORI stock?
ChartMill assigns a valuation rating of 3 / 10 to OLD REPUBLIC INTL CORP (ORI). This can be considered as Overvalued.
Can you provide the profitability details for OLD REPUBLIC INTL CORP?
OLD REPUBLIC INTL CORP (ORI) has a profitability rating of 4 / 10.
What are the PE and PB ratios of OLD REPUBLIC INTL CORP (ORI) stock?
The Price/Earnings (PE) ratio for OLD REPUBLIC INTL CORP (ORI) is 13.03 and the Price/Book (PB) ratio is 1.67.
How sustainable is the dividend of OLD REPUBLIC INTL CORP (ORI) stock?
The dividend rating of OLD REPUBLIC INTL CORP (ORI) is 3 / 10 and the dividend payout ratio is 93.13%.