ORI Stock Analysis: Old Republic International | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 10.389m USD | 12M Return: 23.4% | US6802231042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 52.7M
EPS Trend: 95.8%
Qual. Beats: 0
Rev. Trend: 97.0%
Qual. Beats: 4
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 1.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.83 > 1.0 |
| NWC/Revenue: -177.5% < 20% (prev 112.9%; Δ -290.5% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.56b > Net Income 1.14b |
| Net Debt (-366.8m) to EBITDA (1.47b): -0.25 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (246.0m) vs 12m ago -1.45% < -2% |
| Gross Margin: 51.90% > 18% (prev 63.11%; Δ -11.21% > 0.5%) |
| Asset Turnover: 31.78% > 50% (prev 29.62%; Δ 2.16% > 0%) |
| Interest Coverage Ratio: 18.58 > 6 (EBIT TTM 1.47b / Interest Expense TTM 78.9m) |
| A: -0.54 (Total Current Assets 5.79b - Total Current Liabilities 23.0b) / Total Assets 31.6b |
| B: 0.19 (Retained Earnings 5.85b / Total Assets 31.6b) |
| C: 0.05 (EBIT TTM 1.47b / Avg Total Assets 30.4b) |
| D: 0.24 (Book Value of Equity 6.07b / Total Liabilities 25.5b) |
| Altman-Z'' = -2.39 = D |
| DSRI: 0.28 (Receivables 3.14b/9.93b, Revenue 9.67b/8.67b) |
| GMI: 1.22 (GM 63.11% / 51.90%) |
| AQI: 1.57 (AQ_t 0.81 / AQ_t-1 0.52) |
| SGI: 1.12 (Revenue 9.67b / 8.67b) |
| TATA: -0.01 (NI 1.14b - CFO 1.56b) / TA 31.6b) |
| Beneish M = -3.00 (Cap -4..+1) = A |
As of August 12, 2026, the stock is trading at USD 42.43 with a total of 752,886 shares traded. Over the past week, the price has changed by -2.28%, over one month by +0.93%, over three months by +9.11% and over the past year by +23.36%.
Current recommended Stop Loss: 41.10 (which is 3.1% 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 | 43.5 | 2.5% |
P/E Trailing = 9.4364
P/E Forward = 11.4286
P/S = 1.0692
P/B = 1.7107
P/EG = 1.39
Revenue TTM = 9.67b USD
EBIT TTM = 1.47b USD
EBITDA TTM = 1.47b USD
Long Term Debt = 1.59b USD (from longTermDebt, last quarter)
Short Term Debt = 693.5m USD (from shortLongTermDebt, last quarter)
Debt = 2.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -366.8m USD (calculated: Debt 2.28b - CCE 2.65b)
Enterprise Value = 10.0b USD (10.4b + Debt 2.28b - CCE 2.65b)
Interest Coverage Ratio = 18.58 (Ebit TTM 1.47b / Interest Expense TTM 78.9m)
EV/FCF = 6.42x (Enterprise Value 10.0b / FCF TTM 1.56b)
FCF Yield = 15.58% (FCF TTM 1.56b / Enterprise Value 10.0b)
FCF Margin = 16.15% (FCF TTM 1.56b / Revenue TTM 9.67b)
Net Margin = 11.78% (Net Income TTM 1.14b / Revenue TTM 9.67b)
Gross Margin = 51.90% ((Revenue TTM 9.67b - Cost of Revenue TTM 4.65b) / Revenue TTM)
Gross Margin QoQ = 64.19% (prev 64.98%)
Tobins Q-Ratio = 0.32 (Enterprise Value 10.0b / Total Assets 31.6b)
Interest Expense / Debt = 3.45% (Interest Expense 78.9m / Debt 2.28b)
Taxrate = 20.71% (298.1m / 1.44b)
NOPAT = 1.16b (EBIT 1.47b * (1 - 20.71%))
Current Ratio = 0.25 (Total Current Assets 5.79b / Total Current Liabilities 23.0b)
Debt / Equity = 0.38 (Debt 2.28b / totalStockholderEquity, last quarter 6.07b)
Debt / EBITDA = -0.25 (Net Debt -366.8m / EBITDA 1.47b)
Debt / FCF = -0.23 (Net Debt -366.8m / FCF TTM 1.56b)
Total Stockholder Equity = 6.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.74% (Net Income 1.14b / Total Assets 31.6b)
RoE = 18.74% (Net Income TTM 1.14b / Total Stockholder Equity 6.08b)
RoCE = 19.11% (EBIT 1.47b / Capital Employed (Equity 6.08b + L.T.Debt 1.59b))
RoIC = 14.17% (NOPAT 1.16b / Invested Capital 8.20b)
WACC = 4.96% (E(10.4b)/V(12.7b) * Re(5.45%) + D(2.28b)/V(12.7b) * Rd(3.45%) * (1-Tc(0.21)))
Discount Rate = 5.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -80.79 | Cagr: -4.89%
[DCF] Terminal Value 77.97% ; FCFF base≈1.42b ; Y1≈1.63b ; Y5≈2.39b
[DCF] Fair Price = 150.6 (EV 36.0b - Net Debt -366.8m = Equity 36.4b / Shares 241.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 95.75 | EPS CAGR: 13.22% | SUE: -0.05 | # QB: 0
Revenue Correlation: 96.98 | Revenue CAGR: 10.43% | SUE: 1.32 | # QB: 4
EPS current Quarter (2026-09-30): EPS=0.80 | Chg30d=-0.41% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=2.94 | Chg30d=-4.02% | Revisions=-25% | GrowthEPS=-6.6% | GrowthRev=+10.9%
EPS next Year (2027-12-31): EPS=3.30 | Chg30d=-1.00% | Revisions=-40% | GrowthEPS=+12.1% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: -22% (up=2, down=4)