ORI Stock Analysis: Old Republic International | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 10.220m USD | 12M Return: 34.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 57.8M
EPS Trend: 95.8%
Qual. Beats: 0
Rev. Trend: 93.9%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 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 29, 2026, the stock is trading at USD 44.41 with a total of 1,051,397 shares traded. Over the past week, the price has changed by +5.84%, over one month by +7.04%, over three months by +11.47% and over the past year by +34.65%.
Current recommended Stop Loss: 43.10 (which is 2.9% or 1.4 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 | -5.4% |
P/E Trailing = 10.2531
P/E Forward = 11.4286
P/S = 1.0682
P/B = 1.7138
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 = 9.27b USD (10.2b + Debt 1.59b - CCE 2.54b)
Interest Coverage Ratio = 18.42 (Ebit TTM 1.29b / Interest Expense TTM 70.0m)
EV/FCF = 7.64x (Enterprise Value 9.27b / FCF TTM 1.21b)
FCF Yield = 13.09% (FCF TTM 1.21b / Enterprise Value 9.27b)
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 = 0.43 (Enterprise Value 9.27b / 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 = 5.68% (E(10.2b)/V(11.8b) * Re(6.02%) + D(1.59b)/V(11.8b) * Rd(4.40%) * (1-Tc(0.20)))
Discount Rate = 6.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.57 | 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: 95.75 | EPS CAGR: 13.22% | SUE: -0.05 | # QB: 0
Revenue Correlation: 93.91 | Revenue CAGR: 8.93% | SUE: 1.30 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.80 | Chg30d=+0.00% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=3.07 | Chg30d=+0.00% | Revisions=-50% | GrowthEPS=-2.6% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=3.32 | Chg30d=-0.50% | Revisions=-40% | GrowthEPS=+8.2% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: -36% (up=2, down=6)