OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis

NYSE:ORI • US6802231042

41.52 USD
-0.18 (-0.43%)
At close: Feb 19, 2026
41.52 USD
0 (0%)
After Hours: 2/19/2026, 8:24:21 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

ORI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. ORI has an average financial health and profitability rating. ORI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • ORI had positive earnings in the past year.
  • In the past year ORI had a positive cash flow from operations.
  • In the past 5 years ORI has always been profitable.
  • ORI had a positive operating cash flow in 4 of the past 5 years.
ORI Yearly Net Income VS EBIT VS OCF VS FCFORI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.76%, ORI is in the better half of the industry, outperforming 63.76% of the companies in the same industry.
  • ORI has a Return On Equity (12.98%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of ORI (3.04%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ORI is significantly below the industry average of 15.11%.
Industry RankSector Rank
ROA 2.76%
ROE 12.98%
ROIC 3.04%
ROA(3y)2.82%
ROA(5y)3.46%
ROE(3y)13.44%
ROE(5y)14.74%
ROIC(3y)3.3%
ROIC(5y)3.57%
ORI Yearly ROA, ROE, ROICORI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • ORI has a Profit Margin of 9.53%. This is comparable to the rest of the industry: ORI outperforms 56.38% of its industry peers.
  • In the last couple of years the Profit Margin of ORI has grown nicely.
  • The Operating Margin of ORI (12.93%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of ORI has grown nicely.
Industry RankSector Rank
OM 12.93%
PM (TTM) 9.53%
GM N/A
OM growth 3Y-0.68%
OM growth 5Y2.81%
PM growth 3Y7.49%
PM growth 5Y6%
GM growth 3YN/A
GM growth 5YN/A
ORI Yearly Profit, Operating, Gross MarginsORI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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4

2. Health

2.1 Basic Checks

  • The number of shares outstanding for ORI has been reduced compared to 1 year ago.
  • ORI has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ORI has been reduced compared to a year ago.
ORI Yearly Shares OutstandingORI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
ORI Yearly Total Debt VS Total AssetsORI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

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.
  • With a decent Debt to FCF ratio value of 1.23, ORI is doing good in the industry, outperforming 66.44% of the companies in the same industry.
  • A Debt/Equity ratio of 0.25 indicates that ORI is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.25, ORI is doing good in the industry, outperforming 63.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ORI Yearly LT Debt VS Equity VS FCFORI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ORI Yearly Current Assets VS Current LiabilitesORI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.95% over the past year.
  • The Earnings Per Share has been growing slightly by 6.93% on average over the past years.
  • ORI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.01%.
  • ORI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.58% yearly.
EPS 1Y (TTM)3.95%
EPS 3Y4.11%
EPS 5Y6.93%
EPS Q2Q%-17.78%
Revenue 1Y (TTM)11.01%
Revenue growth 3Y3.14%
Revenue growth 5Y4.58%
Sales Q2Q%9.54%

3.2 Future

  • ORI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.50% yearly.
  • ORI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.88% yearly.
EPS Next Y5.53%
EPS Next 2Y5.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.91%
Revenue Next 2Y6.88%
Revenue Next 3YN/A
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.
ORI Yearly Revenue VS EstimatesORI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
ORI Yearly EPS VS EstimatesORI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.14, the valuation of ORI can be described as correct.
  • ORI's Price/Earnings ratio is in line with the industry average.
  • ORI is valuated cheaply when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 12.45, which indicates a correct valuation of ORI.
  • 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 27.98, ORI is valued rather cheaply.
Industry RankSector Rank
PE 13.14
Fwd PE 12.45
ORI Price Earnings VS Forward Price EarningsORI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ORI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7.96
EV/EBITDA N/A
ORI Per share dataORI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ORI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.38
PEG (5Y)1.89
EPS Next 2Y5.5%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • ORI has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.67, ORI pays a bit more dividend than its industry peers.
  • ORI's Dividend Yield is a higher than the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.72%

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
ORI Yearly Dividends per shareORI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • ORI pays out 93.13% of its income as dividend. This is not a sustainable payout ratio.
DP93.13%
EPS Next 2Y5.5%
EPS Next 3YN/A
ORI Yearly Income VS Free CF VS DividendORI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
ORI Dividend Payout.ORI Dividend Payout, showing the Payout Ratio.ORI Dividend Payout.PayoutRetained Earnings

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OLD REPUBLIC INTL CORP

NYSE:ORI (2/19/2026, 8:24:21 PM)

After market: 41.52 0 (0%)

41.52

-0.18 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners76.86%
Inst Owner Change0.37%
Ins Owners0.27%
Ins Owner Change-0.35%
Market Cap10.27B
Revenue(TTM)9.16B
Net Income(TTM)834.00M
Analysts77.14
Price Target43.35 (4.41%)
Short Float %2.25%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend1.03
Dividend Growth(5Y)-10.29%
DP93.13%
Div Incr Years2
Div Non Decr Years2
Ex-Date01-02
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)-13.27%
PT rev (3m)-8.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-6.58%
EPS NY rev (3m)-6.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.62%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 13.14
Fwd PE 12.45
P/S 1.17
P/FCF 7.96
P/OCF 7.96
P/B 1.6
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.16
EY7.61%
EPS(NY)3.33
Fwd EY8.03%
FCF(TTM)5.22
FCFY12.57%
OCF(TTM)5.22
OCFY12.57%
SpS35.38
BVpS25.96
TBVpS25.96
PEG (NY)2.38
PEG (5Y)1.89
Graham Number42.96
Profitability
Industry RankSector Rank
ROA 2.76%
ROE 12.98%
ROCE 3.81%
ROIC 3.04%
ROICexc 3.06%
ROICexgc 4.56%
OM 12.93%
PM (TTM) 9.53%
GM N/A
FCFM 14.75%
ROA(3y)2.82%
ROA(5y)3.46%
ROE(3y)13.44%
ROE(5y)14.74%
ROIC(3y)3.3%
ROIC(5y)3.57%
ROICexc(3y)3.32%
ROICexc(5y)3.59%
ROICexgc(3y)4.85%
ROICexgc(5y)5.09%
ROCE(3y)4.15%
ROCE(5y)4.48%
ROICexgc growth 3Y-2.13%
ROICexgc growth 5Y3.92%
ROICexc growth 3Y-3.82%
ROICexc growth 5Y1.72%
OM growth 3Y-0.68%
OM growth 5Y2.81%
PM growth 3Y7.49%
PM growth 5Y6%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.29
Health
Industry RankSector 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-Score7
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.95%
EPS 3Y4.11%
EPS 5Y6.93%
EPS Q2Q%-17.78%
EPS Next Y5.53%
EPS Next 2Y5.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.01%
Revenue growth 3Y3.14%
Revenue growth 5Y4.58%
Sales Q2Q%9.54%
Revenue Next Year6.91%
Revenue Next 2Y6.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y3.58%
EBIT growth 3Y2.44%
EBIT growth 5Y7.52%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.16%
OCF growth 3YN/A
OCF growth 5YN/A

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 of OLD REPUBLIC INTL CORP (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.


Can you provide the PE and PB ratios for ORI stock?

The Price/Earnings (PE) ratio for OLD REPUBLIC INTL CORP (ORI) is 13.14 and the Price/Book (PB) ratio is 1.6.


Is the dividend of OLD REPUBLIC INTL CORP sustainable?

The dividend rating of OLD REPUBLIC INTL CORP (ORI) is 3 / 10 and the dividend payout ratio is 93.13%.