OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis
NYSE:ORI - New York Stock Exchange, Inc. - US6802231042 - Common Stock - Currency: USD
Taking everything into account, ORI scores 5 out of 10 in our fundamental rating. ORI was compared to 141 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 correct valuation and a medium growth rate.
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.
Each year in the past 5 years ORI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ORI (3.05%) is better than 66.67% 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 70.92% of the companies in the same industry.
The Return On Invested Capital of ORI (3.07%) is better than 66.67% of its industry peers.
ORI had an Average Return On Invested Capital over the past 3 years of 3.47%. This is in line with the industry average of 4.08%.
| 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
Looking at the Profit Margin, with a value of 10.42%, ORI is in the better half of the industry, outperforming 69.50% of the companies in the same industry.
In the last couple of years the Profit Margin of ORI has declined.
Looking at the Operating Margin, with a value of 12.90%, ORI is in the better half of the industry, outperforming 61.70% 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
Compared to 1 year ago, ORI has less shares outstanding
ORI has less shares outstanding than it did 5 years ago.
ORI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ORI is 1.32, which is an excellent value as it means it would take ORI, only 1.32 years of fcf income to pay off all of its debts.
ORI has a Debt to FCF ratio (1.32) which is in line with its industry peers.
A Debt/Equity ratio of 0.26 indicates that ORI is not too dependend on debt financing.
ORI has a better Debt to Equity ratio (0.26) than 63.83% 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.
The Earnings Per Share has been growing by 10.68% on average over the past years. This is quite good.
ORI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.22%.
ORI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.76% yearly.
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.
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
ORI is valuated reasonably with a Price/Earnings ratio of 11.93.
The rest of the industry has a similar Price/Earnings ratio as ORI.
The average S&P500 Price/Earnings ratio is at 26.82. ORI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.09, the valuation of ORI can be described as reasonable.
ORI's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.24. ORI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 11.09 |
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 | 7.97 | ||
| 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.
ORI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.5
PEG (5Y)1.12
EPS Next 2Y7.26%
EPS Next 3Y4.15%
5. Dividend
5.1 Amount
ORI has a Yearly Dividend Yield of 3.00%.
ORI's Dividend Yield is a higher than the industry average which is at 3.59.
ORI's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
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.
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 3Y4.15%
NYSE:ORI (8/19/2025, 1:39:42 PM)
38.775
+0.73 (+1.93%)
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-1.5%
Market Cap9.58B
Analysts75
Price Target42.84 (10.48%)
Short Float %1.54%
Short Ratio2.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0.37%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 11.09 | ||
| P/S | 1.12 | ||
| P/FCF | 7.97 | ||
| P/OCF | 7.97 | ||
| P/B | 1.55 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.25
EY8.38%
EPS(NY)3.5
Fwd EY9.02%
FCF(TTM)4.86
FCFY12.54%
OCF(TTM)4.86
OCFY12.54%
SpS34.68
BVpS25.03
TBVpS25.03
PEG (NY)1.5
PEG (5Y)1.12
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 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 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%