(ORI) Old Republic International - Ratings and Ratios
Insurance, Title, Specialty, Liability, Warranty
ORI EPS (Earnings per Share)
ORI Revenue
Description: ORI Old Republic International
Old Republic International Corporation is a leading insurance provider in the United States and Canada, operating through two main segments: Specialty Insurance and Title Insurance. The Specialty Insurance segment offers a diverse range of insurance products, including accident and health, aviation, and workers compensation, to various industries such as transportation, healthcare, and financial services. The Title Insurance segment provides title insurance, escrow, and other related services to real estate transactions.
From a business perspective, Old Republics revenue streams are diversified across its two segments, with Specialty Insurance generating a significant portion of the companys revenue. The companys ability to maintain a strong market presence in the insurance industry is reflected in its market capitalization of approximately $9.1 billion. With a return on equity (ROE) of 13.01%, the company demonstrates a reasonable level of profitability. Key performance indicators (KPIs) to monitor include the companys combined ratio, which indicates the efficiency of its underwriting operations, and its investment income, which can impact its overall profitability.
To further evaluate Old Republics performance, other relevant KPIs include its loss ratio, expense ratio, and premium growth rate. The companys ability to manage its risk exposure and maintain a stable capital structure is also crucial. Additionally, the competitive landscape of the property and casualty insurance industry, where Old Republic operates, is characterized by intense competition and regulatory scrutiny, making it essential for the company to stay competitive and compliant.
From a valuation perspective, Old Republics price-to-earnings (P/E) ratio of 11.98 suggests that the stock may be relatively undervalued compared to its peers. However, a more detailed analysis of the companys financials and industry trends is necessary to determine its intrinsic value. Overall, Old Republics diversified insurance offerings, stable market presence, and reasonable profitability make it a notable player in the insurance industry.
ORI Stock Overview
| Market Cap in USD | 10,731m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1990-03-26 |
ORI Stock Ratings
| Growth Rating | 92.4% |
| Fundamental | 66.2% |
| Dividend Rating | 75.8% |
| Return 12m vs S&P 500 | 9.21% |
| Analyst Rating | 3.67 of 5 |
ORI Dividends
| Dividend Yield 12m | 7.56% |
| Yield on Cost 5y | 30.00% |
| Annual Growth 5y | 5.99% |
| Payout Consistency | 90.5% |
| Payout Ratio | 88.3% |
ORI Growth Ratios
| Growth Correlation 3m | 93.8% |
| Growth Correlation 12m | 85.6% |
| Growth Correlation 5y | 96.6% |
| CAGR 5y | 28.83% |
| CAGR/Max DD 3y (Calmar Ratio) | 2.52 |
| CAGR/Mean DD 3y (Pain Ratio) | 9.79 |
| Sharpe Ratio 12m | 2.05 |
| Alpha | 12.19 |
| Beta | 0.813 |
| Volatility | 41.79% |
| Current Volume | 1605.8k |
| Average Volume 20d | 1437.1k |
| Stop Loss | 40.2 (-3.1%) |
| Signal | 0.90 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (893.4m TTM) > 0 and > 6% of Revenue (6% = 520.0m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 0.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 36.32% (prev -44.79%; Δ 81.11pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 1.20b > Net Income 893.4m (YES >=105%, WARN >=100%) |
| Net Debt (-178.1m) to EBITDA (614.1m) ratio: -0.29 <= 3.0 (WARN <= 3.5) |
| Current Ratio 733.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (249.6m) change vs 12m ago -4.82% (target <= -2.0% for YES) |
| Gross Margin 63.11% (prev 80.61%; Δ -17.50pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 30.53% (prev 27.57%; Δ 2.96pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.48 (EBITDA TTM 614.1m / Interest Expense TTM 74.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.74
| (A) 0.11 = (Total Current Assets 3.15b - Total Current Liabilities 4.30m) / Total Assets 29.26b |
| (B) 0.20 = Retained Earnings (Balance) 5.85b / Total Assets 29.26b |
| (C) 0.01 = EBIT TTM 405.6m / Avg Total Assets 28.39b |
| (D) 0.27 = Book Value of Equity 6.19b / Total Liabilities 23.05b |
| Total Rating: 1.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.15
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 9.90% = 4.95 |
| 3. FCF Margin 13.87% = 3.47 |
| 4. Debt/Equity 0.26 = 2.47 |
| 5. Debt/Ebitda -0.29 = 2.50 |
| 6. ROIC - WACC (= -3.76)% = -4.70 |
| 7. RoE 14.79% = 1.23 |
| 8. Rev. Trend 48.68% = 3.65 |
| 9. EPS Trend 61.69% = 3.08 |
What is the price of ORI shares?
Over the past week, the price has changed by -3.33%, over one month by +4.17%, over three months by +14.60% and over the past year by +25.83%.
Is Old Republic International a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ORI is around 50.34 USD . This means that ORI is currently undervalued and has a potential upside of +21.33% (Margin of Safety).
Is ORI a buy, sell or hold?
- Strong Buy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ORI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 47 | 13.3% |
| Analysts Target Price | 47 | 13.3% |
| ValueRay Target Price | 55.9 | 34.6% |
Last update: 2025-10-11 05:03
ORI Fundamental Data Overview
P/E Trailing = 12.2699
P/S = 1.2383
P/B = 1.7221
P/EG = -0.85
Beta = 0.813
Revenue TTM = 8.67b USD
EBIT TTM = 405.6m USD
EBITDA TTM = 614.1m USD
Long Term Debt = 1.59b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 1.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -178.1m USD (from netDebt column, last quarter)
Enterprise Value = 12.14b USD (10.73b + Debt 1.59b - CCE 178.1m)
Interest Coverage Ratio = 5.48 (Ebit TTM 405.6m / Interest Expense TTM 74.0m)
FCF Yield = 9.90% (FCF TTM 1.20b / Enterprise Value 12.14b)
FCF Margin = 13.87% (FCF TTM 1.20b / Revenue TTM 8.67b)
Net Margin = 10.31% (Net Income TTM 893.4m / Revenue TTM 8.67b)
Gross Margin = 63.11% ((Revenue TTM 8.67b - Cost of Revenue TTM 3.20b) / Revenue TTM)
Gross Margin QoQ = 62.58% (prev 63.48%)
Tobins Q-Ratio = 0.42 (Enterprise Value 12.14b / Total Assets 29.26b)
Interest Expense / Debt = 1.11% (Interest Expense 17.6m / Debt 1.59b)
Taxrate = 19.88% (51.7m / 260.1m)
NOPAT = 325.0m (EBIT 405.6m * (1 - 19.88%))
Current Ratio = 733.0 (out of range, set to none) (Total Current Assets 3.15b / Total Current Liabilities 4.30m)
Debt / Equity = 0.26 (Debt 1.59b / totalStockholderEquity, last quarter 6.19b)
Debt / EBITDA = -0.29 (Net Debt -178.1m / EBITDA 614.1m)
Debt / FCF = -0.15 (Net Debt -178.1m / FCF TTM 1.20b)
Total Stockholder Equity = 6.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.05% (Net Income 893.4m / Total Assets 29.26b)
RoE = 14.79% (Net Income TTM 893.4m / Total Stockholder Equity 6.04b)
RoCE = 5.32% (EBIT 405.6m / Capital Employed (Equity 6.04b + L.T.Debt 1.59b))
RoIC = 4.20% (NOPAT 325.0m / Invested Capital 7.73b)
WACC = 7.96% (E(10.73b)/V(12.32b) * Re(9.01%) + D(1.59b)/V(12.32b) * Rd(1.11%) * (1-Tc(0.20)))
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.11%
[DCF Debug] Terminal Value 73.54% ; FCFE base≈1.13b ; Y1≈1.05b ; Y5≈959.3m
Fair Price DCF = 58.45 (DCF Value 14.52b / Shares Outstanding 248.5m; 5y FCF grow -9.17% → 3.0% )
EPS Correlation: 61.69 | EPS CAGR: 7.52% | SUE: 0.26 | # QB: 0
Revenue Correlation: 48.68 | Revenue CAGR: 9.49% | SUE: 0.19 | # QB: 0
Additional Sources for ORI Stock
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Fund Manager Positions: Dataroma | Stockcircle