ORI Stock Analysis: Old Republic International | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 9.815m USD | 12M Return: 16% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 54.0M
EPS Trend: 93.5%
Qual. Beats: 1
Rev. Trend: 93.9%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Old Republic International Corporation (NYSE: ORI) is a Chicago-based insurance holding company founded in 1923 that provides underwriting and related services across the United States and Canada. The company operates through two main segments: Specialty Insurance, which offers a broad range of commercial and consumer lines including workers compensation, commercial auto, cyber, environmental, surety, and financial indemnity coverages, serving industries such as transportation, construction, healthcare, manufacturing, and financial services; and Title Insurance, which insures against defects, liens, and encumbrances on real estate titles while also providing escrow closing, construction disbursement, default management, and other real estate transaction services. As a mid-cap stock classified within the Property & Casualty Insurance sub-industry, ORI combines recurring-premium specialty insurance operations with title insurance, a niche business model that generates revenue from one-time premiums tied to real estate transfers and mortgage loan transactions rather than ongoing policy renewals.
- Mortgage origination volume drives Title Insurance segment revenue
- Specialty Insurance combined ratio trends impact underwriting profitability
- Interest rate environment shapes investment income on insurance float
| Net Income: 1.02b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.95 > 1.0 |
| NWC/Revenue: -14.13% < 20% (prev 110.4%; Δ -124.5% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.21b > Net Income 1.02b |
| Net Debt (-945.2m) to EBITDA (1.29b): -0.73 < 3 |
| Current Ratio: 0.69 > 1.5 & < 3 |
| Outstanding Shares: last quarter (249.6m) vs 12m ago 0.0% < -2% |
| Gross Margin: 51.14% > 18% (prev 62.76%; Δ -11.63% > 0.5%) |
| Asset Turnover: 37.73% > 50% (prev 29.72%; Δ 8.02% > 0%) |
| Interest Coverage Ratio: 18.42 > 6 (EBIT TTM 1.29b / Interest Expense TTM 70.0m) |
| A: -0.06 (Total Current Assets 2.99b - Total Current Liabilities 4.31b) / Total Assets 21.7b |
| B: 0.26 (Retained Earnings 5.65b / Total Assets 21.7b) |
| C: 0.05 (EBIT TTM 1.29b / Avg Total Assets 24.8b) |
| D: 0.38 (Book Value of Equity 5.91b / Total Liabilities 15.7b) |
| Altman-Z'' = 1.19 = BB |
| DSRI: 0.27 (Receivables 2.78b/9.27b, Revenue 9.37b/8.33b) |
| GMI: 1.23 (GM 62.76% / 51.14%) |
| AQI: 1.62 (AQ_t 0.85 / AQ_t-1 0.53) |
| SGI: 1.13 (Revenue 9.37b / 8.33b) |
| TATA: -0.01 (NI 1.02b - CFO 1.21b) / TA 21.7b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of July 01, 2026, the stock is trading at USD 40.92 with a total of 1,626,869 shares traded. Over the past week, the price has changed by +2.69%, over one month by +12.57%, over three months by +3.43% and over the past year by +16.03%.
Current recommended Stop Loss: 38.90 (which is 4.9% or 2.5 ATR below the current price).
Old Republic International has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold ORI.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 42 | 2.6% |
P/E Trailing = 9.9261
P/E Forward = 11.4286
P/S = 1.0418
P/B = 1.6602
P/EG = 1.39
Revenue TTM = 9.37b USD
EBIT TTM = 1.29b USD
EBITDA TTM = 1.29b USD
Long Term Debt = 1.59b USD (from longTermDebt, last quarter)
Short Term Debt = 52.3m USD (from shortTermDebt, last fiscal year)
Debt = 1.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -945.2m USD (calculated: Debt 1.59b - CCE 2.54b)
Enterprise Value = 8.87b USD (9.82b + Debt 1.59b - CCE 2.54b)
Interest Coverage Ratio = 18.42 (Ebit TTM 1.29b / Interest Expense TTM 70.0m)
EV/FCF = 7.31x (Enterprise Value 8.87b / FCF TTM 1.21b)
FCF Yield = 13.69% (FCF TTM 1.21b / Enterprise Value 8.87b)
FCF Margin = 12.95% (FCF TTM 1.21b / Revenue TTM 9.37b)
Net Margin = 10.89% (Net Income TTM 1.02b / Revenue TTM 9.37b)
Gross Margin = 51.14% ((Revenue TTM 9.37b - Cost of Revenue TTM 4.58b) / Revenue TTM)
Gross Margin QoQ = 64.98% (prev 11.98%)
Tobins Q-Ratio = 0.41 (Enterprise Value 8.87b / Total Assets 21.7b)
Interest Expense / Debt = 4.40% (Interest Expense 70.0m / Debt 1.59b)
Taxrate = 20.48% (264.1m / 1.29b)
NOPAT = 1.03b (EBIT 1.29b * (1 - 20.48%))
Current Ratio = 0.69 (Total Current Assets 2.99b / Total Current Liabilities 4.31b)
Debt / Equity = 0.27 (Debt 1.59b / totalStockholderEquity, last quarter 5.91b)
Debt / EBITDA = -0.73 (Net Debt -945.2m / EBITDA 1.29b)
Debt / FCF = -0.78 (Net Debt -945.2m / FCF TTM 1.21b)
Total Stockholder Equity = 6.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.11% (Net Income 1.02b / Total Assets 21.7b)
RoE = 16.72% (Net Income TTM 1.02b / Total Stockholder Equity 6.11b)
RoCE = 16.74% (EBIT 1.29b / Capital Employed (Equity 6.11b + L.T.Debt 1.59b))
RoIC = 6.06% (NOPAT 1.03b / Invested Capital 16.9b)
WACC = 5.87% (E(9.82b)/V(11.4b) * Re(6.25%) + D(1.59b)/V(11.4b) * Rd(4.40%) * (1-Tc(0.20)))
Discount Rate = 6.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.19 | Cagr: -4.55%
[DCF] Terminal Value 74.44% ; FCFF base≈1.25b ; Y1≈1.18b ; Y5≈1.11b
[DCF] Fair Price = 75.76 (EV 17.5b - Net Debt -945.2m = Equity 18.5b / Shares 243.6m; r=8.35% [WACC [floored]]; 5y FCF grow -6.95% → 2.50% )
EPS Correlation: 93.50 | EPS CAGR: 11.82% | SUE: 4.0 | # QB: 1
Revenue Correlation: 93.91 | Revenue CAGR: 8.93% | SUE: 1.30 | # QB: 3
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=+1.27% | Revisions=+14% | Analysts=3
EPS current Year (2026-12-31): EPS=3.07 | Chg30d=-7.07% | Revisions=-43% | GrowthEPS=-2.6% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=3.33 | Chg30d=-4.31% | Revisions=-33% | GrowthEPS=+8.7% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: -43%