Overview Dividends

(ORI) Old Republic International - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US6802231042

Insurance, Title, Surety, Warranty, Escrow

ORI EPS (Earnings per Share)

EPS Growth (3Y CAGR): -0.92%
EPS Trend (3Y Correlation): 60.5%

ORI Revenue

Revenue Growth (3Y CAGR): 1.21%
Revenue Trend (3Y Correlation): 51.2%

Risk via 10d forecast
Volatility	18.5%
Value at Risk 5%th	30.3%

Reward
Sharpe Ratio	1.00
Alpha Jensen	15.64

Character
Hurst Exponent	0.749
Beta	0.842

Drawdowns 3y
Max DD	11.72%
Mean DD	3.08%

Description: ORI Old Republic International November 04, 2025

Old Republic International Corp (NYSE:ORI) operates two primary segments: Specialty Insurance, which underwrites a broad suite of commercial and personal lines-including accident & health, aviation, commercial property, and financial indemnity products-for businesses and government entities across diverse industries; and Title Insurance, which provides lender and owner policies, escrow services, and real-estate data solutions for property transactions in the U.S. and Canada.

Key performance metrics from the most recent fiscal year show a combined ratio of 92.5% in the Specialty Insurance segment, indicating underwriting profitability, and a net written premium growth of 5.8% year-over-year, driven largely by strong demand in commercial construction and transportation insurance lines.

The companys results are sensitive to macro-economic factors such as U.S. construction activity, which fuels both commercial property and title insurance volumes, and interest-rate trends that affect mortgage origination and, consequently, title policy demand. Additionally, the broader Property & Casualty sector is experiencing pricing pressure from elevated loss frequencies in natural-catastrophe exposures, making loss-control initiatives a critical competitive lever.

For a deeper, data-driven look at ORI’s valuation dynamics and scenario analysis, you may find ValueRay’s analytical tools useful as a next step in your research.

ORI Stock Overview

Market Cap in USD	9,915m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1990-03-26
Return 12m vs S&P 500	11.0%
Analyst Rating	3.67 of 5

ORI Dividends

Dividend Yield	7.22%
Yield on Cost 5y	24.90%
Yield CAGR 5y	5.99%
Payout Consistency	90.5%
Payout Ratio	86.5%

ORI Growth Ratios

CAGR	28.96%
CAGR/Max DD Calmar Ratio	2.47
CAGR/Mean DD Pain Ratio	9.40
Current Volume	3582.7k
Average Volume	1579.8k

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (834.0m TTM) > 0 and > 6% of Revenue (6% = 525.0m TTM)

FCFTA 0.04 (>2.0%) and ΔFCFTA 0.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 36.37% (prev 24.29%; Δ 12.08pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 1.29b > Net Income 834.0m (YES >=105%, WARN >=100%)

Net Debt (-242.5m) to EBITDA (1.12b) ratio: -0.22 <= 3.0 (WARN <= 3.5)

Current Ratio 141.8 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (249.6m) change vs 12m ago -2.77% (target <= -2.0% for YES)

Gross Margin 54.44% (prev 72.08%; Δ -17.64pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 29.61% (prev 28.32%; Δ 1.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.12 (EBITDA TTM 1.12b / Interest Expense TTM 70.0m) >= 6 (WARN >= 3)

Altman Z'' 1.66

(A) 0.11 = (Total Current Assets 3.21b - Total Current Liabilities 22.6m) / Total Assets 30.25b

(B) 0.20 = Retained Earnings (Balance) 6.04b / Total Assets 30.25b

(D) 0.27 = Book Value of Equity 6.44b / Total Liabilities 23.81b

Total Rating: 1.66 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 62.67

1. Piotroski 4.0pt = -1.0

2. FCF Yield 11.46% = 5.0

3. FCF Margin 14.76% = 3.69

4. Debt/Equity 0.25 = 2.47

5. Debt/Ebitda -0.22 = 2.50

6. ROIC - WACC (= -6.41)% = -8.01

7. RoE 13.82% = 1.15

8. Rev. Trend 51.24% = 3.84

9. EPS Trend 60.47% = 3.02

What is the price of ORI shares?

As of November 14, 2025, the stock is trading at USD 43.45 with a total of 3,582,682 shares traded.
Over the past week, the price has changed by +6.89%, over one month by +1.23%, over three months by +13.16% and over the past year by +26.43%.

Is Old Republic International a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Old Republic International is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.67 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ORI is around 52.63 USD . This means that ORI is currently undervalued and has a potential upside of +21.13% (Margin of Safety).

Is ORI a buy, sell or hold?

Old Republic International has received a consensus analysts rating of 3.67. Therefor, it is recommend to hold ORI.

Strong Buy: 0
Buy: 2
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ORI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	46.5	7%
Analysts Target Price	46.5	7%
ValueRay Target Price	58.4	34.4%

ORI Fundamental Data Overview November 06, 2025

Market Cap USD = 9.92b (9.92b USD * 1.0 USD.USD)
P/E Trailing = 11.997
P/S = 1.1333
P/B = 1.7221
P/EG = -0.85
Beta = 0.842
Revenue TTM = 8.75b USD
EBIT TTM = 148.4m USD
EBITDA TTM = 1.12b USD
Long Term Debt = 1.59b USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 1.59b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -242.5m USD (from netDebt column, last quarter)
Enterprise Value = 11.26b USD (9.92b + Debt 1.59b - CCE 242.5m)
Interest Coverage Ratio = 2.12 (Ebit TTM 148.4m / Interest Expense TTM 70.0m)
FCF Yield = 11.46% (FCF TTM 1.29b / Enterprise Value 11.26b)
FCF Margin = 14.76% (FCF TTM 1.29b / Revenue TTM 8.75b)
Net Margin = 9.53% (Net Income TTM 834.0m / Revenue TTM 8.75b)
Gross Margin = 54.44% ((Revenue TTM 8.75b - Cost of Revenue TTM 3.99b) / Revenue TTM)
Gross Margin QoQ = 34.06% (prev 62.58%)
Tobins Q-Ratio = 0.37 (Enterprise Value 11.26b / Total Assets 30.25b)
Interest Expense / Debt = 1.09% (Interest Expense 17.3m / Debt 1.59b)
Taxrate = 20.63% (72.8m / 352.9m)
NOPAT = 117.8m (EBIT 148.4m * (1 - 20.63%))
Current Ratio = 141.8 (out of range, set to none) (Total Current Assets 3.21b / Total Current Liabilities 22.6m)
Debt / Equity = 0.25 (Debt 1.59b / totalStockholderEquity, last quarter 6.42b)
Debt / EBITDA = -0.22 (Net Debt -242.5m / EBITDA 1.12b)
Debt / FCF = -0.19 (Net Debt -242.5m / FCF TTM 1.29b)
Total Stockholder Equity = 6.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.76% (Net Income 834.0m / Total Assets 30.25b)
RoE = 13.82% (Net Income TTM 834.0m / Total Stockholder Equity 6.04b)
RoCE = 1.95% (EBIT 148.4m / Capital Employed (Equity 6.04b + L.T.Debt 1.59b))
RoIC = 1.57% (NOPAT 117.8m / Invested Capital 7.50b)
WACC = 7.98% (E(9.92b)/V(11.50b) * Re(9.12%) + D(1.59b)/V(11.50b) * Rd(1.09%) * (1-Tc(0.21)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.11%
[DCF Debug] Terminal Value 73.86% ; FCFE base≈1.24b ; Y1≈1.19b ; Y5≈1.18b
Fair Price DCF = 70.42 (DCF Value 17.42b / Shares Outstanding 247.4m; 5y FCF grow -4.61% → 3.0% )
EPS Correlation: 60.47 | EPS CAGR: -0.92% | SUE: 0.26 | # QB: 0
Revenue Correlation: 51.24 | Revenue CAGR: 1.21% | SUE: 0.99 | # QB: 1

Additional Sources for ORI Stock

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