ORI Stock Analysis: Old Republic International | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 9.300m USD | 12M Return: 7.5% | US6802231042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 70.0M
EPS Trend: 96.8%
Qual. Beats: 0
Rev. Trend: 99.1%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Old Republic International Corporation (NYSE: ORI) is a Chicago-based insurance holding company founded in 1923 that operates in two main segments: Specialty Insurance and Title Insurance. Its Specialty Insurance segment offers a broad portfolio of commercial and consumer coverage lines-including commercial auto, commercial property, workers compensation, cyber, environmental, surety, and various financial indemnity products-serving industries such as transportation, construction, healthcare, manufacturing, and financial services. The Title Insurance segment provides title insurance, escrow closing, construction disbursement, and real estate information services, protecting buyers and investors against defects, liens, and encumbrances affecting real estate titles.
Title insurance, a specialized line within the broader Property & Casualty Insurance sector, is distinctive in that it primarily insures against past title defects rather than uncertain future events, and it is typically issued as a one-time premium product tied to real estate transactions. ORIs dual-segment structure gives it exposure to both ongoing commercial insurance underwriting and the cyclical real estate and mortgage markets.
- Title insurance premiums track US home sales and mortgage origination volumes
- Specialty insurance combined ratio improves on disciplined commercial pricing
- Investment portfolio income rises with higher interest rates
| Net Income: 1.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -3.52 > 1.0 |
| NWC/Revenue: -197.1% < 20% (prev 118.2%; Δ -315.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 235.0m > Net Income 1.10b |
| Net Debt (1.41b) to EBITDA (1.29b): 1.10 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (245.7m) vs 12m ago -1.60% < -2% |
| Gross Margin: 50.96% > 18% (prev 62.97%; Δ -12.01% > 0.5%) |
| Asset Turnover: 31.33% > 50% (prev 28.92%; Δ 2.42% > 0%) |
| Interest Coverage Ratio: 14.77 > 6 (EBIT TTM 1.29b / Interest Expense TTM 87.1m) |
| A: -0.61 (Total Current Assets 3.90b - Total Current Liabilities 23.0b) / Total Assets 31.5b |
| B: 0.18 (Retained Earnings 5.52b / Total Assets 31.5b) |
| C: 0.04 (EBIT TTM 1.29b / Avg Total Assets 30.9b) |
| D: 0.35 (Book Value of Equity 5.88b / Total Liabilities 16.9b) |
| Altman-Z'' = -2.76 = D |
| DSRI: 0.31 (Receivables 3.56b/10.3b, Revenue 9.67b/8.75b) |
| GMI: 1.24 (GM 62.97% / 50.96%) |
| AQI: 1.72 (AQ_t 0.87 / AQ_t-1 0.51) |
| SGI: 1.11 (Revenue 9.67b / 8.75b) |
| TATA: 0.03 (NI 1.10b - CFO 235.0m) / TA 31.5b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of November 04, 2026, the stock is trading at USD 38.78 with a total of 1,842,050 shares traded. Over the past week, the price has changed by +1.78%, over one month by +2.62%, over three months by -9.83% and over the past year by +7.45%.
Current recommended Stop Loss: 36.50 (which is 5.9% or 2.8 ATR below the current price).
Old Republic International has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold ORI.
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 43.5 | 12.2% |
P/E Trailing = 8.6953
P/E Forward = 11.4286
P/S = 0.957
P/B = 1.5796
P/EG = 1.39
Revenue TTM = 9.67b USD
EBIT TTM = 1.29b USD
EBITDA TTM = 1.29b USD
Long Term Debt = 1.59b USD (from longTermDebt, last fiscal year)
Short Term Debt = 52.3m USD (from shortTermDebt, last fiscal year)
Debt = 1.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.41b USD (calculated: Debt 1.75b - CCE 336.0m)
Enterprise Value = 10.7b USD (9.30b + Debt 1.75b - CCE 336.0m)
Interest Coverage Ratio = 14.77 (Ebit TTM 1.29b / Interest Expense TTM 87.1m)
EV/FCF = 45.59x (Enterprise Value 10.7b / FCF TTM 235.0m)
FCF Yield = 2.19% (FCF TTM 235.0m / Enterprise Value 10.7b)
FCF Margin = 2.43% (FCF TTM 235.0m / Revenue TTM 9.67b)
Net Margin = 11.40% (Net Income TTM 1.10b / Revenue TTM 9.67b)
Gross Margin = 50.96% ((Revenue TTM 9.67b - Cost of Revenue TTM 4.74b) / Revenue TTM)
Gross Margin QoQ = 61.08% (prev 64.19%)
Tobins Q-Ratio = 0.34 (Enterprise Value 10.7b / Total Assets 31.5b)
Interest Expense / Debt = 4.98% (Interest Expense 87.1m / Debt 1.75b)
Taxrate = 18.63% (253.1m / 1.36b)
NOPAT = 1.05b (EBIT 1.29b * (1 - 18.63%))
Current Ratio = 0.17 (Total Current Assets 3.90b / Total Current Liabilities 23.0b)
Debt / Equity = 0.30 (Debt 1.75b / totalStockholderEquity, last quarter 5.88b)
Debt / EBITDA = 1.10 (Net Debt 1.41b / EBITDA 1.29b)
Debt / FCF = 6.02 (Net Debt 1.41b / FCF TTM 235.0m)
Total Stockholder Equity = 5.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.57% (Net Income 1.10b / Total Assets 31.5b)
RoE = 18.56% (Net Income TTM 1.10b / Total Stockholder Equity 5.94b)
RoCE = 17.07% (EBIT 1.29b / Capital Employed (Equity 5.94b + L.T.Debt 1.59b))
RoIC = 3.88% (NOPAT 1.05b / Invested Capital 27.0b)
WACC = 4.81% (E(9.30b)/V(11.0b) * Re(4.95%) + D(1.75b)/V(11.0b) * Rd(4.98%) * (1-Tc(0.19)))
Discount Rate = 4.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.85 | Cagr: -2.87%
[DCF] Terminal Value 73.10% ; FCFF base≈657.4m ; Y1≈576.5m ; Y5≈465.8m
[DCF] Fair Price = 25.11 (EV 7.48b - Net Debt 1.41b = Equity 6.06b / Shares 241.4m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.84 | EPS CAGR: 13.73% | SUE: -0.21 | # QB: 0
Revenue Correlation: 99.07 | Revenue CAGR: 11.31% | SUE: -0.92 | # QB: -1
EPS current Quarter (2027-03-31): EPS=0.73 | Chg30d=-3.51% | Revisions=-25% | Analysts=3
EPS current Year (2026-12-31): EPS=2.85 | Chg30d=-3.06% | Revisions=-25% | GrowthEPS=-9.4% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=3.17 | Chg30d=-4.04% | Revisions=-17% | GrowthEPS=+11.0% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -38% (up=1, down=4)