Symbols / ORI Stock $39.86 +0.71% Old Republic International Corporation

Financial Services • Insurance - Property & Casualty • United States • NYQ
ORI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Craig Richard Smiddy
Exch · Country NYQ · United States
Market Cap 9.71B
Enterprise Value 10.04B
Income 1.02B
Sales 9.42B
FCF (ttm) 2.15B
Book/sh 24.36
Cash/sh 5.13
Employees 9,500
Insider 10d —
IPO Mar 17, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 29.19%
P/E 9.82
Forward P/E 11.96
PEG 1.39
P/S 1.03
P/B 1.64
P/C —
EV/EBITDA 7.20
EV/Sales 1.07
Quick Ratio 0.19
Current Ratio 0.23
Debt/Eq 26.84
LT Debt/Eq —
EPS (ttm) 4.06
EPS next Y 3.33
EPS Growth 34.70%
Revenue Growth 13.50%
EPS Gr Q/Q 34.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 2.95%
ROE 17.28%
ROIC —
Gross Margin 63.49%
Oper. Margin 17.98%
Profit Margin 10.83%
Shs Outstand 243.55M
Shs Float 241.81M
Insider Own 7.65%
Instit Own 79.43%
Short Float 4.60%
Short Ratio 5.81
Short Interest 8.31M
52W High 46.76
vs 52W High -14.76%
52W Low 35.60
vs 52W Low 11.97%
Beta 0.67
Impl. Vol. 37.77%
Rel Volume 0.49
Avg Volume 1.62M
Volume 796.38K
Target (mean) $42.00
Tgt Median $42.00
Tgt Low $40.00
Tgt High $44.00
# Analysts 2
Recom None
Prev Close $39.58
Price $39.86
Change 0.71%
About

Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada. It operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment provides lines of coverages, such as accident and health, aviation, commercial auto, commercial multi-peril, commercial property, cyber, environmental, excess and surplus, home and auto warranty, automobile extended warranty, general liability, inland marine, travel accident, and workers' compensation, as well as financial indemnity, including directors and officers, errors and omissions, fidelity, and surety coverages. This segment offers its products to transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment insures against losses arising out of defects, liens and encumbrances affecting the insured title to real estate purchasers and investors. This segment also provides escrow closing and construction disbursement services; and real estate information products; national default management services; and various other services pertaining to real estate transfers and loan transactions. The company was founded in 1923 and is based in Chicago, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$42.00
Mean price target
2. Current target
$39.86
Latest analyst target
3. DCF / Fair value
$158.60
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$39.86
Low
$40.00
High
$44.00
Mean
$42.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main Piper Sandler Neutral → Neutral $40
2026-01-22 down Piper Sandler Overweight → Neutral $38
2025-12-08 main Piper Sandler Overweight → Overweight $51
2025-10-24 main Piper Sandler Overweight → Overweight $46
2025-10-06 main Piper Sandler Overweight → Overweight $47
2025-09-22 up Raymond James Outperform → Strong Buy $47
2025-09-02 main Piper Sandler Overweight → Overweight $45
2025-07-25 main Piper Sandler Overweight → Overweight $41
2025-04-01 main Piper Sandler Overweight → Overweight $43
2024-10-21 main Piper Sandler Overweight → Overweight $37
2024-10-04 main Piper Sandler Overweight → Overweight $36
2024-04-01 main Piper Sandler Overweight → Overweight $38
2024-02-12 up Piper Sandler Neutral → Overweight $32
2023-10-30 main Raymond James Outperform → Outperform $30
2023-10-27 main Piper Sandler Neutral → Neutral $30
2023-05-17 init Piper Sandler — → Neutral $27
2023-01-30 main Raymond James — → Outperform $29
2022-04-29 down Raymond James Strong Buy → Outperform $28
2021-11-01 main Raymond James — → Strong Buy $30
2021-04-26 main Raymond James — → Strong Buy $28
News
RSS: Latest ORI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-12 MONROE CAROLYN Officer — 49,374 $19.81 $1,074,283
2026-05-12 MONROE CAROLYN Officer — 13,330 $38.76 $516,671
2026-05-01 RISCH THERACE M Director — 300 $39.90 $11,970
2026-03-11 GRAY WILLIAM TODD Officer and Treasurer — 3,250 — —
2026-03-11 SODARO FRANK JOSEPH Chief Financial Officer — 2,752 — —
2026-03-11 SMIDDY CRAIG R Chief Executive Officer — 9,123 — —
2026-03-11 OBERST STEPHEN J Officer — 3,679 — —
2026-03-11 DARE THOMAS General Counsel — 2,752 — —
2026-03-11 MONROE CAROLYN Officer — 2,892 — —
2026-03-11 LANGE JEFFREY Officer — 2,752 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
9,136.00
+10.99%
8,231.60
+13.41%
7,258.10
-10.21%
8,083.40
Operating Revenue
9,136.00
+10.99%
8,231.60
+13.41%
7,258.10
-10.21%
8,083.40
Other Operating Expenses
0.20
+100.00%
0.10
-50.00%
0.20
+0.00%
0.20
Total Expenses
7,952.30
+11.04%
7,161.70
+10.00%
6,510.80
-9.90%
7,226.30
EBIT
1,254.30
+9.35%
1,147.00
+40.24%
817.90
-11.49%
924.10
Net Income
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Pretax Income
1,184.00
+10.69%
1,069.70
+43.12%
747.40
-12.83%
857.40
Net Non Operating Interest Income Expense
-70.30
+9.06%
-77.30
-9.65%
-70.50
-5.70%
-66.70
Interest Expense Non Operating
70.30
-9.06%
77.30
+9.65%
70.50
+5.70%
66.70
Net Interest Income
-70.30
+9.06%
-77.30
-9.65%
-70.50
-5.70%
-66.70
Interest Expense
70.30
-9.06%
77.30
+9.65%
70.50
+5.70%
66.70
Other Income Expense
194.90
+9.74%
177.60
+8.89%
163.10
+8.81%
149.90
Tax Provision
242.10
+11.62%
216.90
+45.86%
148.70
-12.99%
170.90
Tax Rate For Calcs
0.00
+0.49%
0.00
+2.01%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
941.90
+10.45%
852.80
+42.44%
598.70
-12.79%
686.50
Net Income From Continuing Operation Net Minority Interest
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Net Income From Continuing And Discontinued Operation
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Net Income Continuous Operations
941.90
+10.45%
852.80
+42.44%
598.70
-12.79%
686.50
Minority Interests
-6.50
0.00
0.00
—
Normalized Income
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Net Income Common Stockholders
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Diluted EPS
3.72
+14.81%
3.24
+54.29%
2.10
-7.08%
2.26
Basic EPS
3.82
+15.76%
3.30
+55.66%
2.12
-7.02%
2.28
Basic Average Shares
244.87
-5.23%
258.39
-8.49%
282.36
-6.21%
301.05
Diluted Average Shares
251.45
-4.46%
263.18
-7.67%
285.05
-6.15%
303.72
Diluted NI Availto Com Stockholders
935.40
+9.70%
852.70
+42.45%
598.60
-12.79%
686.40
Loss Adjustment Expense
3,361.10
+11.13%
3,024.40
+17.22%
2,580.00
+6.27%
2,427.70
Net Policyholder Benefits And Claims
3,361.10
+11.13%
3,024.40
+17.22%
2,580.00
+6.27%
2,427.70
Policyholder Benefits Gross
3,361.10
+11.13%
3,024.40
+17.22%
2,580.00
+6.27%
2,427.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
29,862.70
+7.25%
27,843.10
+5.06%
26,501.40
+5.33%
25,159.40
Cash Cash Equivalents And Short Term Investments
3,234.30
-76.39%
13,697.10
+2.41%
13,375.30
+5.41%
12,688.50
Cash And Cash Equivalents
263.20
+30.36%
201.90
-0.44%
202.80
+150.37%
81.00
Other Short Term Investments
2,971.10
-77.98%
13,495.20
+2.45%
13,172.50
+4.48%
12,607.50
Receivables
9,391.20
+10.95%
8,464.00
+14.75%
7,376.30
+9.08%
6,762.10
Accounts Receivable
9,391.20
+10.95%
8,464.00
+15.09%
7,354.50
+9.01%
6,746.40
Taxes Receivable
—
13.80
-36.70%
21.80
+38.85%
15.70
Prepaid Assets
1,131.10
+22.73%
921.60
+15.46%
798.20
+3.81%
768.90
Investments And Advances
16,810.90
+4.83%
16,035.90
+1.28%
15,833.30
+0.03%
15,828.40
Total Liabilities Net Minority Interest
23,934.50
+7.70%
22,224.10
+10.62%
20,090.70
+5.82%
18,986.20
Payables And Accrued Expenses
601.80
+9.92%
547.50
+2.74%
532.90
+3.52%
514.80
Payables
601.80
+9.92%
547.50
+2.74%
532.90
+3.52%
514.80
Total Tax Payable
601.80
+9.92%
547.50
+2.74%
532.90
+3.52%
514.80
Income Tax Payable
601.80
+9.92%
547.50
+2.74%
532.90
+3.52%
514.80
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
399.50
+0.13%
399.00
Current Debt
—
0.00
-100.00%
399.50
+0.13%
399.00
Long Term Debt And Capital Lease Obligation
1,589.80
+0.08%
1,588.60
+33.32%
1,191.60
-0.53%
1,197.90
Long Term Debt
1,589.80
+0.08%
1,588.60
+33.32%
1,191.60
-0.53%
1,197.90
Non Current Deferred Liabilities
219.30
+69.87%
129.10
+22.25%
105.60
+147.31%
42.70
Non Current Deferred Taxes Liabilities
219.30
+69.87%
129.10
+22.25%
105.60
+147.31%
42.70
Stockholders Equity
5,913.80
+5.25%
5,619.00
-12.35%
6,410.70
+3.85%
6,173.20
Common Stock Equity
5,913.80
+5.25%
5,619.00
-12.35%
6,410.70
+3.85%
6,173.20
Capital Stock
246.30
-1.00%
248.80
-10.60%
278.30
-6.26%
296.90
Common Stock
246.30
-1.00%
248.80
-10.60%
278.30
-6.26%
296.90
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
246.36
-0.99%
248.82
-10.62%
278.39
-6.24%
296.93
Ordinary Shares Number
246.36
-0.99%
248.82
-10.62%
278.39
-6.24%
296.93
Additional Paid In Capital
23.30
0.00
-100.00%
678.70
-40.56%
1,141.80
Retained Earnings
5,515.20
-0.08%
5,519.70
-2.21%
5,644.30
+6.06%
5,321.80
Gains Losses Not Affecting Retained Earnings
163.10
+259.28%
-102.40
+22.66%
-132.40
+74.43%
-517.80
Treasury Stock
0.00
0.00
0.00
—
Minority Interest
14.40
0.00
—
—
Other Equity Adjustments
163.10
+259.28%
-102.40
+22.66%
-132.40
+74.43%
-517.80
Total Equity Gross Minority Interest
5,928.20
+5.50%
5,619.00
-12.35%
6,410.70
+3.85%
6,173.20
Total Capitalization
7,503.60
+4.11%
7,207.60
-5.19%
7,602.30
+3.14%
7,371.10
Invested Capital
7,503.60
+4.11%
7,207.60
-9.93%
8,001.80
+2.98%
7,770.10
Total Debt
1,589.80
+0.08%
1,588.60
-0.16%
1,591.10
-0.36%
1,596.90
Net Debt
1,326.60
-4.33%
1,386.70
-0.12%
1,388.30
-8.42%
1,515.90
Net Tangible Assets
5,913.80
+5.25%
5,619.00
-12.35%
6,410.70
+3.85%
6,173.20
Tangible Book Value
5,913.80
+5.25%
5,619.00
-12.35%
6,410.70
+3.85%
6,173.20
Current Notes Payable
—
0.00
-100.00%
399.50
+0.13%
399.00
Other Equity Interest
-34.10
+27.60%
-47.10
+19.07%
-58.20
+16.26%
-69.50
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,164.30
-5.60%
1,233.40
+40.10%
880.40
-24.79%
1,170.60
Cash Flow From Continuing Operating Activities
1,164.20
-5.63%
1,233.60
+40.13%
880.30
-24.79%
1,170.50
Net Income From Continuing Operations
941.90
+10.46%
852.70
+42.45%
598.60
-12.79%
686.40
Other Non Cash Items
29.20
+164.04%
-45.60
-133.43%
136.40
+6720.00%
2.00
Deferred Tax
—
—
—
—
Deferred Income Tax
—
—
—
—
Operating Gains Losses
-202.00
-127.48%
-88.80
-232.54%
67.00
+207.72%
-62.20
Gain Loss On Investment Securities
-202.00
-127.48%
-88.80
-232.54%
67.00
+207.72%
-62.20
Unrealized Gain Loss On Investment Securities
22.30
+17.99%
18.90
-84.75%
123.90
-52.96%
263.40
Change In Working Capital
477.80
-21.62%
609.60
+6018.45%
-10.30
-103.29%
313.00
Change In Receivables
-278.60
-3.15%
-270.10
+1.57%
-274.40
-73.01%
-158.60
Change In Prepaid Assets
—
—
—
—
Change In Payables And Accrued Expense
—
—
—
1.90
Change In Payable
—
—
—
1.90
Change In Account Payable
—
—
—
1.90
Change In Other Working Capital
45.10
+116.83%
20.80
+144.16%
-47.10
+13.89%
-54.70
Investing Cash Flow
-177.20
-4443.59%
-3.90
-115.42%
25.30
+106.10%
-415.00
Cash Flow From Continuing Investing Activities
-177.20
-4443.59%
-3.90
-115.35%
25.40
+106.12%
-415.00
Net Investment Purchase And Sale
-179.50
-28.86%
-139.30
-654.98%
25.10
+106.23%
-402.70
Purchase Of Investment
-3,118.40
+31.20%
-4,532.60
-30.22%
-3,480.60
+35.82%
-5,422.90
Sale Of Investment
2,938.90
-33.10%
4,393.30
+25.32%
3,505.70
-30.17%
5,020.20
Net Business Purchase And Sale
0.00
-100.00%
136.60
0.00
0.00
Purchase Of Business
—
—
—
—
Net Other Investing Changes
2.30
+291.67%
-1.20
-700.00%
0.20
+101.63%
-12.30
Financing Cash Flow
-925.70
+24.55%
-1,226.90
-56.65%
-783.20
+5.94%
-832.70
Cash Flow From Continuing Financing Activities
-925.70
+24.55%
-1,226.90
-56.65%
-783.20
+5.96%
-832.80
Net Issuance Payments Of Debt
0.00
+100.00%
-4.10
+22.64%
-5.30
0.00
Issuance Of Debt
0.00
-100.00%
395.90
0.00
0.00
Repayment Of Debt
0.00
+100.00%
-400.00
-7447.17%
-5.30
0.00
Long Term Debt Issuance
0.00
-100.00%
395.90
0.00
0.00
Long Term Debt Payments
0.00
+100.00%
-400.00
-7447.17%
-5.30
0.00
Net Long Term Debt Issuance
—
-4.10
+22.64%
-5.30
—
Net Common Stock Issuance
-120.00
+87.24%
-940.20
-86.47%
-504.20
-98.04%
-254.60
Common Stock Payments
-123.80
+86.86%
-942.20
-76.01%
-535.30
-90.36%
-281.20
Common Stock Dividend Paid
-782.60
-187.83%
-271.90
+1.31%
-275.50
+52.48%
-579.70
Cash Dividends Paid
-782.60
-187.83%
-271.90
+1.31%
-275.50
+52.48%
-579.70
Repurchase Of Capital Stock
-123.80
+86.86%
-942.20
-76.01%
-535.30
-90.36%
-281.20
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
-23.10
-115.89%
-10.70
-694.44%
1.80
+12.50%
1.60
Changes In Cash
61.40
+2261.54%
2.60
-97.88%
122.50
+258.88%
-77.10
Beginning Cash Position
201.90
-0.44%
202.80
+150.37%
81.00
-48.77%
158.10
End Cash Position
263.20
+30.36%
201.90
-0.44%
202.80
+150.37%
81.00
Free Cash Flow
1,164.30
-5.60%
1,233.40
+40.10%
880.40
-24.79%
1,170.60
Interest Paid Supplemental Data
69.30
-10.35%
77.30
+17.12%
66.00
+0.30%
65.80
Income Tax Paid Supplemental Data
198.70
+1.22%
196.30
-1.01%
198.30
-12.45%
226.50
Amortization Of Securities
-104.90
+7.50%
-113.40
-222.16%
-35.20
-10.00%
-32.00
Common Stock Issuance
3.80
+90.00%
2.00
-93.57%
31.10
+16.92%
26.60
Issuance Of Capital Stock
3.80
+90.00%
2.00
-93.57%
31.10
+16.92%
26.60
Other Cash Adjustment Outside Changein Cash
0.00
+100.00%
-3.30
-312.50%
-0.80
0.00
Sale Of Business
0.00
-100.00%
136.60
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category