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OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis

NYSE:ORI - New York Stock Exchange, Inc. - US6802231042 - Common Stock - Currency: USD

36.32  +0.37 (+1.03%)

After market: 36.32 0 (0%)

Fundamental Rating

5

Taking everything into account, ORI scores 5 out of 10 in our fundamental rating. ORI was compared to 143 industry peers in the Insurance industry. There are concerns on the financial health of ORI while its profitability can be described as average. ORI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

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.
In the past 5 years ORI has always been profitable.
ORI had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

ORI's Return On Assets of 2.79% is fine compared to the rest of the industry. ORI outperforms 65.03% of its industry peers.
ORI has a Return On Equity of 13.19%. This is in the better half of the industry: ORI outperforms 65.03% of its industry peers.
ORI has a Return On Invested Capital of 3.04%. This is in the better half of the industry: ORI outperforms 63.64% 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 4.06%.
Industry RankSector Rank
ROA 2.79%
ROE 13.19%
ROIC 3.04%
ROA(3y)2.68%
ROA(5y)3.33%
ROE(3y)11.88%
ROE(5y)13.39%
ROIC(3y)3.47%
ROIC(5y)3.53%
ORI Yearly ROA, ROE, ROICORI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

With a decent Profit Margin value of 9.39%, ORI is doing good in the industry, outperforming 62.94% of the companies in the same industry.
In the last couple of years the Profit Margin of ORI has declined.
ORI's Operating Margin of 12.60% is fine compared to the rest of the industry. ORI outperforms 61.54% of its industry peers.
In the last couple of years the Operating Margin of ORI has grown nicely.
Industry RankSector Rank
OM 12.6%
PM (TTM) 9.39%
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
ORI Yearly Profit, Operating, Gross MarginsORI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

3

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.
The debt/assets ratio for ORI has been reduced compared to a year ago.
ORI Yearly Shares OutstandingORI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
ORI Yearly Total Debt VS Total AssetsORI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

The Debt to FCF ratio of ORI is 1.22, which is an excellent value as it means it would take ORI, only 1.22 years of fcf income to pay off all of its debts.
ORI has a Debt to FCF ratio (1.22) which is in line with its industry peers.
ORI has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
ORI has a Debt to Equity ratio of 0.27. This is in the better half of the industry: ORI outperforms 61.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.22
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

5

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.
The Earnings Per Share has been growing by 10.68% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 4.15% on average over the next years.
The Revenue is expected to grow by 6.76% on average over the next years.
EPS Next Y7.98%
EPS Next 2Y7.26%
EPS Next 3Y4.15%
EPS Next 5YN/A
Revenue Next Year7.98%
Revenue Next 2Y6.97%
Revenue Next 3Y6.76%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
ORI Yearly Revenue VS EstimatesORI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.18, the valuation of ORI can be described as very reasonable.
ORI's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.91. ORI is valued rather cheaply when compared to this.
ORI is valuated reasonably with a Price/Forward Earnings ratio of 10.39.
ORI's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 37.11. ORI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.18
Fwd PE 10.39
ORI Price Earnings VS Forward Price EarningsORI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ORI is valued a bit cheaper than 62.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.9
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

ORI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of ORI may justify a higher PE ratio.
PEG (NY)1.4
PEG (5Y)1.05
EPS Next 2Y7.26%
EPS Next 3Y4.15%

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.23%, ORI has a reasonable but not impressive dividend return.
ORI's Dividend Yield is a higher than the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.32, ORI pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.23%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

98.40% of the earnings are spent on dividend by ORI. This is not a sustainable payout ratio.
DP98.4%
EPS Next 2Y7.26%
EPS Next 3Y4.15%
ORI Yearly Income VS Free CF VS DividendORI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
ORI Dividend Payout.ORI Dividend Payout, showing the Payout Ratio.ORI Dividend Payout.PayoutRetained Earnings

OLD REPUBLIC INTL CORP

NYSE:ORI (7/29/2025, 8:09:54 PM)

After market: 36.32 0 (0%)

36.32

+0.37 (+1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners72.56%
Inst Owner Change0.29%
Ins Owners0.28%
Ins Owner Change-1.07%
Market Cap8.98B
Analysts75
Price Target42.84 (17.95%)
Short Float %1.26%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 3.23%
Yearly Dividend1.03
Dividend Growth(5Y)-10.29%
DP98.4%
Div Incr Years2
Div Non Decr Years2
Ex-Date06-06 2025-06-06 (0.29)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.11%
Min EPS beat(2)8.23%
Max EPS beat(2)27.98%
EPS beat(4)3
Avg EPS beat(4)12.61%
Min EPS beat(4)-3.34%
Max EPS beat(4)27.98%
EPS beat(8)6
Avg EPS beat(8)8.99%
EPS beat(12)10
Avg EPS beat(12)12.54%
EPS beat(16)13
Avg EPS beat(16)14.52%
Revenue beat(2)2
Avg Revenue beat(2)0.6%
Min Revenue beat(2)0.19%
Max Revenue beat(2)1%
Revenue beat(4)4
Avg Revenue beat(4)1.95%
Min Revenue beat(4)0.19%
Max Revenue beat(4)3.83%
Revenue beat(8)4
Avg Revenue beat(8)-0.57%
Revenue beat(12)6
Avg Revenue beat(12)1.23%
Revenue beat(16)10
Avg Revenue beat(16)3.8%
PT rev (1m)0%
PT rev (3m)1.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.37%
EPS NY rev (1m)0%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 11.18
Fwd PE 10.39
P/S 1.08
P/FCF 6.9
P/OCF 6.9
P/B 1.52
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.25
EY8.95%
EPS(NY)3.5
Fwd EY9.63%
FCF(TTM)5.26
FCFY14.49%
OCF(TTM)5.26
OCFY14.49%
SpS33.65
BVpS23.94
TBVpS23.94
PEG (NY)1.4
PEG (5Y)1.05
Profitability
Industry RankSector Rank
ROA 2.79%
ROE 13.19%
ROCE 3.81%
ROIC 3.04%
ROICexc 3.07%
ROICexgc 4.51%
OM 12.6%
PM (TTM) 9.39%
GM N/A
FCFM 15.64%
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 Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.22
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 13.26
Cash Conversion N/A
Profit Quality 166.64%
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 Y7.98%
EPS Next 2Y7.26%
EPS Next 3Y4.15%
EPS Next 5YN/A
Revenue 1Y (TTM)10.22%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%10.12%
Revenue Next Year7.98%
Revenue Next 2Y6.97%
Revenue Next 3Y6.76%
Revenue Next 5YN/A
EBIT growth 1Y-5.19%
EBIT growth 3Y-1.69%
EBIT growth 5Y8.85%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.06%
FCF growth 3Y-2.12%
FCF growth 5Y5.61%
OCF growth 1Y24.06%
OCF growth 3Y-2.12%
OCF growth 5Y5.61%