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Old Republic International Corporation
ORI: NYSELowest reading is at 56 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Craig Richard Smiddy
Market Cap
9.58 Billion USD
Sector
Financial Services
Website
https://www.oldrepublic.comLast Update
15/10/2026, 01:09:54
Description
Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada.
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Strongest readings
- ✔Financial health is strong (health score 85 out of 100)
- ✔Share count has been falling at 3.86% per year
- ✔Debt is low at 0.27 times equity
- ✔Price-to-earnings of 8.2 is below the market average of 19.6
Weakest readings
- ✘A high share of income is paid out as dividend (80.14%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 8.21x | 19.60x | |
Margin of safety (DCF) | N/A | 17.95% | ||
| ✔ | Revenue growth (5y average) | 10.99% | 10.97% | |
| ✔ | Dividend yield (TTM) | 9.84% | 1.85% | |
| ✔ | Share count, per year | -3.86% | 0.00% | |
| ✘ | Return on capital employed | 4.20% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
88 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 8.21x | 19.60x | |
| Free cashflow yield | N/A | 4.70% | ||
| ✔ | Price / earnings growth | 0.52x | 1.50x | |
| Price / book | 1.52x | — | ||
Margin of safety | N/A | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of N/A is below the current price of 39.66 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 39.8 USD ✔
Current Price: 38.4 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
56 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 10.99% | 10.97% | |
| ✔ | Earnings growth | 15.76% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (12.12% against a five year average of 10.99%)
- ✔Earnings growth has improved this year (29.28% against a five year average of 15.76%)
Health
85 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.27x | 0.80x | |
| ✔ | Debt / total capital | 0.21x | 1.00x | |
| Equity / assets | 19.80% | — | ||
| ✔ | Interest coverage | 17.84x | 2.50x | |
| Underwriting loss ratio | 43.15% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
34 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 9.84% | 1.85% | |
| ✔ | Dividend growth | 187.83% | 0.00% | |
| ✘ | Payout ratio (earnings) | 80.14% | 40.00% | |
| Payout ratio (cashflow) | N/A | 65.00% | ||
| ✘ | Worst year, last 5 years | -49.29% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
- ✘The dividend was cut within the last five years (worst year -49.29% per share)
Management
72 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 15.82% | 15.00% | |
| ✘ | Return on capital employed | 4.20% | 10.00% | |
| Return on assets | 3.13% | — | ||
| Free cashflow return on capital | N/A | — | ||
| ✔ | Return on capital, 5y change | 0.78% | 0.00% | |
| ✔ | Share count, per year | -3.86% | 0.00% | |
| ✔ | Share count, recent | -1.50% | 0.00% | |
| ✔ | Realized buyback return | 15.93% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.12% | 2.00% | |
| Price volatility, 5 year | 22.68% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 88 out of 100
- ✘Return on equity of 15.82% is driven by debt rather than operations, because return on capital employed is only 4.20%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
ORI
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Old Republic International Corporation
Currency
USD
Beta
0.615
Vol Avg
1335892
Ceo
Mr. Craig Richard Smiddy
Cik
0000074260
Cusip
Exchange
NYSE
Full Time Employees
9500
Industry
Insurance - Property & Casualty
Sector
Financial Services
Ipo Date
Address
307 North Michigan Avenue
City
Chicago
State
IL
Country
United States
Zip
60601
Phone
312 346 8100
Analysis Last Updated
15/10/2026, 01:09:54
Financial data compiled from SEC EDGAR filings and Yahoo Finance.