OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis
USA - NYSE:ORI - US6802231042 - Common Stock
39.46 USD
+0.14 (+0.36%)
39.46 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ORI. ORI was compared to 147 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
With a decent Return On Assets value of 3.05%, ORI is doing good in the industry, outperforming 65.99% of the companies in the same industry.
ORI has a better Return On Equity (14.44%) than 70.07% of its industry peers.
ORI has a Return On Invested Capital of 3.07%. This is in the better half of the industry: ORI outperforms 62.59% 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 4.49%.
| 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
The Profit Margin of ORI (10.42%) is better than 67.35% of its industry peers.
ORI's Profit Margin has declined in the last couple of years.
ORI has a Operating Margin (12.90%) which is in line with its industry peers.
In the last couple of years the Operating Margin of ORI has grown nicely.
| 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.
ORI has a better debt/assets ratio than last year.
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 (1.32) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.26 indicates that ORI is not too dependend on debt financing.
ORI has a Debt to Equity ratio of 0.26. This is in the better half of the industry: ORI outperforms 61.90% 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 17.31%, 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 9.37% in the last year.
ORI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.76% yearly.
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
The Earnings Per Share is expected to grow by 5.16% on average over the next years.
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 Y9.64%
EPS Next 2Y7.81%
EPS Next 3Y5.16%
EPS Next 5YN/A
Revenue Next Year7.88%
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.
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
With a Price/Earnings ratio of 11.89, the valuation of ORI can be described as very reasonable.
ORI's Price/Earnings is on the same level as the industry average.
ORI is valuated cheaply when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.17, the valuation of ORI can be described as very reasonable.
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 22.52, ORI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as ORI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.16 | ||
| 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)1.23
PEG (5Y)1.11
EPS Next 2Y7.81%
EPS Next 3Y5.16%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.95%, 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 2.35, ORI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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.
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
86.43% of the earnings are spent on dividend by ORI. This is not a sustainable payout ratio.
DP86.43%
EPS Next 2Y7.81%
EPS Next 3Y5.16%
39.46
+0.14 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners74.99%
Inst Owner Change0.15%
Ins Owners0.27%
Ins Owner Change-2.03%
Market Cap9.80B
Revenue(TTM)8.76B
Net Income(TTM)893.40M
Analysts80
Price Target47.43 (20.2%)
Short Float %1.81%
Short Ratio3.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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)4.55%
PT rev (3m)9.52%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)1.23%
EPS NY rev (1m)1.02%
EPS NY rev (3m)1.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.17 | ||
| P/S | 1.14 | ||
| P/FCF | 8.16 | ||
| P/OCF | 8.16 | ||
| P/B | 1.59 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.32
EY8.41%
EPS(NY)3.53
Fwd EY8.96%
FCF(TTM)4.84
FCFY12.26%
OCF(TTM)4.84
OCFY12.26%
SpS34.5
BVpS24.89
TBVpS24.89
PEG (NY)1.23
PEG (5Y)1.11
Graham Number43.12
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%
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-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)17.31%
EPS 3Y-0.54%
EPS 5Y10.68%
EPS Q2Q%9.86%
EPS Next Y9.64%
EPS Next 2Y7.81%
EPS Next 3Y5.16%
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y-1.34%
Revenue growth 5Y3.76%
Sales Q2Q%8.19%
Revenue Next Year7.88%
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%
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 4 / 10 to OLD REPUBLIC INTL CORP (ORI). This can be considered as Fairly Valued.
Can you provide the profitability details for OLD REPUBLIC INTL CORP?
OLD REPUBLIC INTL CORP (ORI) has a profitability rating of 5 / 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 11.89 and the Price/Book (PB) ratio is 1.59.
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 86.43%.