OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis
USA - NYSE:ORI - US6802231042 - Common Stock
40.64 USD
+0.81 (+2.03%)
ORI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. ORI has a medium profitability rating, but doesn't score so well on its financial health evaluation. ORI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
ORI had positive earnings in the past year.
ORI had a positive operating cash flow in the past year.
Each year in the past 5 years ORI has been profitable.
ORI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of ORI (3.05%) is better than 67.12% of its industry peers.
Looking at the Return On Equity, with a value of 14.44%, ORI is in the better half of the industry, outperforming 70.55% of the companies in the same industry.
The Return On Invested Capital of ORI (3.07%) is better than 64.38% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ORI is in line with the industry average of 4.47%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 14.44% | ||
| ROIC | 3.07% |
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 10.42% is fine compared to the rest of the industry. ORI outperforms 67.12% of its industry peers.
In the last couple of years the Profit Margin of ORI has declined.
With a Operating Margin value of 12.90%, ORI perfoms like the industry average, outperforming 58.22% of the companies in the same industry.
ORI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.9% | ||
| PM (TTM) | 10.42% | ||
| 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.
The number of shares outstanding for ORI has been reduced compared to 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 1.32. This is a very positive value and a sign of high solvency as it would only need 1.32 years to pay back of all of its debts.
ORI has a Debt to FCF ratio of 1.32. This is comparable to the rest of the industry: ORI outperforms 58.22% of its industry peers.
ORI has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ORI (0.26) is better than 61.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.32 | ||
| 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 14.44%, which is quite good.
ORI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.68% yearly.
Looking at the last year, ORI shows a quite strong growth in Revenue. The Revenue has grown by 10.22% 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)14.44%
EPS 3Y-0.54%
EPS 5Y10.68%
EPS Q2Q%9.21%
Revenue 1Y (TTM)10.22%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%10.12%
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 4.91% on average per year.
Based on estimates for the next years, ORI will show a small growth in Revenue. The Revenue will grow by 6.66% on average per year.
EPS Next Y8.39%
EPS Next 2Y7.26%
EPS Next 3Y4.91%
EPS Next 5YN/A
Revenue Next Year7.59%
Revenue Next 2Y6.87%
Revenue Next 3Y6.66%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.50 indicates a correct valuation of ORI.
ORI's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.38. ORI is valued rather cheaply when compared to this.
ORI is valuated reasonably with a Price/Forward Earnings ratio of 11.62.
The rest of the industry has a similar Price/Forward Earnings ratio as ORI.
The average S&P500 Price/Forward Earnings ratio is at 22.86. ORI is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 11.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ORI is valued a bit cheaper than 61.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ORI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.49
PEG (5Y)1.17
EPS Next 2Y7.26%
EPS Next 3Y4.91%
5. Dividend
5.1 Amount
ORI has a Yearly Dividend Yield of 2.92%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.44, ORI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, ORI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
5.2 History
The dividend of ORI decreases each year by -10.29%.
ORI has been paying a dividend for at least 10 years, so it has a reliable track record.
ORI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-10.29%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
86.43% of the earnings are spent on dividend by ORI. This is not a sustainable payout ratio.
DP86.43%
EPS Next 2Y7.26%
EPS Next 3Y4.91%
NYSE:ORI (9/22/2025, 11:11:58 AM)
40.64
+0.81 (+2.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners72.94%
Inst Owner Change2.45%
Ins Owners0.27%
Ins Owner Change-2.03%
Market Cap10.10B
Analysts75
Price Target44.88 (10.43%)
Short Float %1.6%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
Yearly Dividend1.03
Dividend Growth(5Y)-10.29%
DP86.43%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.16%
Min EPS beat(2)2.08%
Max EPS beat(2)8.23%
EPS beat(4)3
Avg EPS beat(4)8.74%
Min EPS beat(4)-3.34%
Max EPS beat(4)27.98%
EPS beat(8)6
Avg EPS beat(8)8.18%
EPS beat(12)10
Avg EPS beat(12)12.11%
EPS beat(16)13
Avg EPS beat(16)12.32%
Revenue beat(2)2
Avg Revenue beat(2)0.46%
Min Revenue beat(2)0.19%
Max Revenue beat(2)0.72%
Revenue beat(4)4
Avg Revenue beat(4)1.17%
Min Revenue beat(4)0.19%
Max Revenue beat(4)2.78%
Revenue beat(8)5
Avg Revenue beat(8)0.31%
Revenue beat(12)6
Avg Revenue beat(12)0.68%
Revenue beat(16)10
Avg Revenue beat(16)2.36%
PT rev (1m)4.76%
PT rev (3m)4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.37%
EPS NY rev (1m)0%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 11.62 | ||
| P/S | 1.18 | ||
| P/FCF | 8.4 | ||
| P/OCF | 8.4 | ||
| P/B | 1.63 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.25
EY8%
EPS(NY)3.5
Fwd EY8.61%
FCF(TTM)4.84
FCFY11.9%
OCF(TTM)4.84
OCFY11.9%
SpS34.5
BVpS24.89
TBVpS24.89
PEG (NY)1.49
PEG (5Y)1.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 14.44% | ||
| ROCE | 3.85% | ||
| ROIC | 3.07% | ||
| ROICexc | 3.09% | ||
| ROICexgc | 4.6% | ||
| OM | 12.9% | ||
| PM (TTM) | 10.42% | ||
| GM | N/A | ||
| FCFM | 14.02% |
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%
ROICexcg growth 3Y-1.39%
ROICexcg 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-Score8
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 134.54% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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)14.44%
EPS 3Y-0.54%
EPS 5Y10.68%
EPS Q2Q%9.21%
EPS Next Y8.39%
EPS Next 2Y7.26%
EPS Next 3Y4.91%
EPS Next 5YN/A
Revenue 1Y (TTM)10.22%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%10.12%
Revenue Next Year7.59%
Revenue Next 2Y6.87%
Revenue Next 3Y6.66%
Revenue Next 5YN/A
EBIT growth 1Y2.49%
EBIT growth 3Y-1.69%
EBIT growth 5Y8.85%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.47%
FCF growth 3Y-2.12%
FCF growth 5Y5.61%
OCF growth 1Y18.47%
OCF growth 3Y-2.12%
OCF growth 5Y5.61%