(ORI) Old Republic International - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US6802231042
Stock: Insurance, Real Estate, Financial
Total Rating 49
Risk 66
Buy Signal -0.56
| Risk 5d forecast | |
|---|---|
| Volatility | 20.9% |
| Relative Tail Risk | -2.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.73 |
| Alpha | 11.76 |
| Character TTM | |
|---|---|
| Beta | 0.190 |
| Beta Downside | 0.400 |
| Drawdowns 3y | |
|---|---|
| Max DD | 13.90% |
| CAGR/Max DD | 2.05 |
EPS (Earnings per Share)
Revenue
Description: ORI Old Republic International March 03, 2026
Old Republic International Corporation (ORI) is a Chicago-based insurance holding company operating through two primary segments: Specialty Insurance and Title Insurance. The Specialty Insurance division provides a broad range of liability, property, and workers compensation coverage to diverse sectors, including transportation, construction, and healthcare. The Title Insurance segment focuses on real estate transactions, offering title policies and escrow services to lenders and property owners.
The company utilizes a decentralized business model, allowing its subsidiaries to operate with specialized focus in niche markets such as commercial trucking and financial indemnity. In the property and casualty sector, title insurance providers are uniquely sensitive to interest rate fluctuations and housing market cycles, as their revenue is directly tied to mortgage origination and real estate turnover volume.
For a deeper look into the companys valuation metrics and historical performance, consider reviewing the data on ValueRay.
Headlines to watch out for
- Real estate market health impacts title insurance revenue
- Commercial auto insurance claims influence specialty segment profitability
- Interest rate changes affect investment income
- Regulatory changes could increase compliance costs
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 936.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.67 > 1.0 |
| NWC/Revenue: 33.26% < 20% (prev 25.83%; Δ 7.43% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.16b > Net Income 936.1m |
| Net Debt (1.52b) to EBITDA (1.24b): 1.23 < 3 |
| Current Ratio: 134.8 > 1.5 & < 3 |
| Outstanding Shares: last quarter (249.6m) vs 12m ago -0.24% < -2% |
| Gross Margin: 50.35% > 18% (prev 0.63%; Δ 4972 % > 0.5%) |
| Asset Turnover: 31.46% > 50% (prev 29.56%; Δ 1.90% > 0%) |
| Interest Coverage Ratio: 16.88 > 6 (EBITDA TTM 1.24b / Interest Expense TTM 70.1m) |
Altman Z'' 1.92
| A: 0.10 (Total Current Assets 3.05b - Total Current Liabilities 22.6m) / Total Assets 29.92b |
| B: 0.18 (Retained Earnings 5.52b / Total Assets 29.92b) |
| C: 0.04 (EBIT TTM 1.18b / Avg Total Assets 28.88b) |
| D: 0.36 (Book Value of Equity 5.92b / Total Liabilities 16.51b) |
| Altman-Z'' Score: 1.92 = BBB |
Beneish M
| DSRI: 0.30 (Receivables 2.78b/8.48b, Revenue 9.09b/8.23b) |
| GMI: 1.26 (GM 50.35% / 63.26%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.10 (Revenue 9.09b / 8.23b) |
| TATA: -0.01 (NI 936.1m - CFO 1.16b) / TA 29.92b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of ORI shares?
As of March 10, 2026, the stock is trading at USD 40.88 with a total of 2,137,896 shares traded.
Over the past week, the price has changed by -4.39%, over one month by +0.32%, over three months by +0.73% and over the past year by +21.92%.
Over the past week, the price has changed by -4.39%, over one month by +0.32%, over three months by +0.73% and over the past year by +21.92%.
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.
- StrongBuy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ORI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42.5 | 4% |
| Analysts Target Price | 42.5 | 4% |
ORI Fundamental Data Overview March 06, 2026
P/E Trailing = 11.414
P/E Forward = 11.4286
P/S = 1.15
P/B = 1.7676
P/EG = 1.39
Revenue TTM = 9.09b USD
EBIT TTM = 1.18b USD
EBITDA TTM = 1.24b USD
Long Term Debt = 1.59b USD (from longTermDebt, last quarter)
Short Term Debt = 52.3m USD (from shortTermDebt, last quarter)
Debt = 1.78b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.52b USD (from netDebt column, last quarter)
Enterprise Value = 12.03b USD (10.51b + Debt 1.78b - CCE 263.2m)
Interest Coverage Ratio = 16.88 (Ebit TTM 1.18b / Interest Expense TTM 70.1m)
EV/FCF = 7.89x (Enterprise Value 12.03b / FCF TTM 1.53b)
FCF Yield = 12.68% (FCF TTM 1.53b / Enterprise Value 12.03b)
FCF Margin = 16.78% (FCF TTM 1.53b / Revenue TTM 9.09b)
Net Margin = 10.30% (Net Income TTM 936.1m / Revenue TTM 9.09b)
Gross Margin = 50.35% ((Revenue TTM 9.09b - Cost of Revenue TTM 4.51b) / Revenue TTM)
Gross Margin QoQ = 11.98% (prev 64.84%)
Tobins Q-Ratio = 0.40 (Enterprise Value 12.03b / Total Assets 29.92b)
Interest Expense / Debt = 0.98% (Interest Expense 17.4m / Debt 1.78b)
Taxrate = 21.21% (55.8m / 263.1m)
NOPAT = 932.3m (EBIT 1.18b * (1 - 21.21%))
Current Ratio = 134.8 (out of range, set to none) (Total Current Assets 3.05b / Total Current Liabilities 22.6m)
Debt / Equity = 0.30 (Debt 1.78b / totalStockholderEquity, last quarter 5.91b)
Debt / EBITDA = 1.23 (Net Debt 1.52b / EBITDA 1.24b)
Debt / FCF = 1.00 (Net Debt 1.52b / FCF TTM 1.53b)
Total Stockholder Equity = 6.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.24% (Net Income 936.1m / Total Assets 29.92b)
RoE = 15.32% (Net Income TTM 936.1m / Total Stockholder Equity 6.11b)
RoCE = 15.37% (EBIT 1.18b / Capital Employed (Equity 6.11b + L.T.Debt 1.59b))
RoIC = 12.01% (NOPAT 932.3m / Invested Capital 7.76b)
WACC = 5.76% (E(10.51b)/V(12.29b) * Re(6.61%) + D(1.78b)/V(12.29b) * Rd(0.98%) * (1-Tc(0.21)))
Discount Rate = 6.61% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -5.11%
[DCF] Terminal Value 86.90% ; FCFF base≈1.41b ; Y1≈1.49b ; Y5≈1.78b
[DCF] Fair Price = 207.3 (EV 52.66b - Net Debt 1.52b = Equity 51.14b / Shares 246.7m; r=5.90% [WACC]; 5y FCF grow 6.65% → 2.90% )
EPS Correlation: 69.16 | EPS CAGR: 7.28% | SUE: -0.90 | # QB: 0
Revenue Correlation: 52.57 | Revenue CAGR: 1.60% | SUE: 1.78 | # QB: 2
EPS next Quarter (2026-06-30): EPS=0.83 | Chg7d=-0.025 | Chg30d=-0.025 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=3.30 | Chg7d=-0.233 | Chg30d=-0.233 | Revisions Net=-2 | Growth EPS=+4.8% | Growth Revenue=+8.5%
EPS next Year (2027-12-31): EPS=3.48 | Chg7d=-0.117 | Chg30d=-0.117 | Revisions Net=-1 | Growth EPS=+5.6% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 7.9% - Earnings Yield 8.8%)
[Growth] Growth Spread = +9.2% (Analyst 8.4% - Implied -0.8%)
P/E Forward = 11.4286
P/S = 1.15
P/B = 1.7676
P/EG = 1.39
Revenue TTM = 9.09b USD
EBIT TTM = 1.18b USD
EBITDA TTM = 1.24b USD
Long Term Debt = 1.59b USD (from longTermDebt, last quarter)
Short Term Debt = 52.3m USD (from shortTermDebt, last quarter)
Debt = 1.78b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.52b USD (from netDebt column, last quarter)
Enterprise Value = 12.03b USD (10.51b + Debt 1.78b - CCE 263.2m)
Interest Coverage Ratio = 16.88 (Ebit TTM 1.18b / Interest Expense TTM 70.1m)
EV/FCF = 7.89x (Enterprise Value 12.03b / FCF TTM 1.53b)
FCF Yield = 12.68% (FCF TTM 1.53b / Enterprise Value 12.03b)
FCF Margin = 16.78% (FCF TTM 1.53b / Revenue TTM 9.09b)
Net Margin = 10.30% (Net Income TTM 936.1m / Revenue TTM 9.09b)
Gross Margin = 50.35% ((Revenue TTM 9.09b - Cost of Revenue TTM 4.51b) / Revenue TTM)
Gross Margin QoQ = 11.98% (prev 64.84%)
Tobins Q-Ratio = 0.40 (Enterprise Value 12.03b / Total Assets 29.92b)
Interest Expense / Debt = 0.98% (Interest Expense 17.4m / Debt 1.78b)
Taxrate = 21.21% (55.8m / 263.1m)
NOPAT = 932.3m (EBIT 1.18b * (1 - 21.21%))
Current Ratio = 134.8 (out of range, set to none) (Total Current Assets 3.05b / Total Current Liabilities 22.6m)
Debt / Equity = 0.30 (Debt 1.78b / totalStockholderEquity, last quarter 5.91b)
Debt / EBITDA = 1.23 (Net Debt 1.52b / EBITDA 1.24b)
Debt / FCF = 1.00 (Net Debt 1.52b / FCF TTM 1.53b)
Total Stockholder Equity = 6.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.24% (Net Income 936.1m / Total Assets 29.92b)
RoE = 15.32% (Net Income TTM 936.1m / Total Stockholder Equity 6.11b)
RoCE = 15.37% (EBIT 1.18b / Capital Employed (Equity 6.11b + L.T.Debt 1.59b))
RoIC = 12.01% (NOPAT 932.3m / Invested Capital 7.76b)
WACC = 5.76% (E(10.51b)/V(12.29b) * Re(6.61%) + D(1.78b)/V(12.29b) * Rd(0.98%) * (1-Tc(0.21)))
Discount Rate = 6.61% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -5.11%
[DCF] Terminal Value 86.90% ; FCFF base≈1.41b ; Y1≈1.49b ; Y5≈1.78b
[DCF] Fair Price = 207.3 (EV 52.66b - Net Debt 1.52b = Equity 51.14b / Shares 246.7m; r=5.90% [WACC]; 5y FCF grow 6.65% → 2.90% )
EPS Correlation: 69.16 | EPS CAGR: 7.28% | SUE: -0.90 | # QB: 0
Revenue Correlation: 52.57 | Revenue CAGR: 1.60% | SUE: 1.78 | # QB: 2
EPS next Quarter (2026-06-30): EPS=0.83 | Chg7d=-0.025 | Chg30d=-0.025 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=3.30 | Chg7d=-0.233 | Chg30d=-0.233 | Revisions Net=-2 | Growth EPS=+4.8% | Growth Revenue=+8.5%
EPS next Year (2027-12-31): EPS=3.48 | Chg7d=-0.117 | Chg30d=-0.117 | Revisions Net=-1 | Growth EPS=+5.6% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 7.9% - Earnings Yield 8.8%)
[Growth] Growth Spread = +9.2% (Analyst 8.4% - Implied -0.8%)