8-K Announcements
6Apr 23, 2026·SEC
Jan 22, 2026·SEC
Dec 12, 2025·SEC
Old Republic International Corporation (ORI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Old Republic International Corporation (ORI) stock price & volume — 10-year historical chart
Old Republic International Corporation (ORI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Old Republic International Corporation (ORI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.68vs $0.79-13.9% | $2.4Bvs $2.3B+5.7% |
| Q1 2026 | Jan 22, 2026 | $0.74vs $0.89-16.9% | $2.4Bvs $2.3B+3.3% |
| Q4 2025 | Oct 23, 2025 | $1.11vs $0.76+45.9% | $2.4Bvs $2.3B+6.5% |
| Q3 2025 | Jul 24, 2025 | $0.83vs $0.79+5.1% | $2.2Bvs $2.3B-3.5% |
Old Republic International Corporation (ORI) competitors in Housing and title insurers — business model, growth, and fundamentals comparison
Old Republic International Corporation (ORI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Old Republic International Corporation (ORI) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | 6.26B | 6.26B | 7.46B | 7.17B | 9.34B | 8.08B | 7.26B | 8.23B | 9.09B |
Revenue Growth % | 6.15% | -0.07% | 19.2% | -3.95% | 30.36% | -13.47% | -10.21% | 13.41% | 10.41% |
Medical Costs & Claims | 5.45B | 5.52B | 5.82B | 2.47B | 2.4B | 2.43B | 2.58B | 3.02B | 4.51B |
Medical Cost Ratio % | 87.1% | 88.22% | 78.06% | 34.51% | 25.67% | 30.03% | 35.55% | 36.74% | 49.65% |
Gross Profit | 808M▲ 0% | 737.1M▼ 8.8% | 1.64B▲ 122.0% | 4.69B▲ 186.8% | 6.94B▲ 47.9% | 5.66B▼ 18.5% | 4.68B▼ 17.3% | 5.21B▲ 11.3% | 4.58B▼ 12.1% |
Gross Margin % | 12.9% | 11.78% | 21.94% | 65.49% | 74.33% | 69.97% | 64.45% | 63.26% | 50.35% |
Gross Profit Growth % | 7.13% | -8.77% | 122.02% | 186.78% | 47.94% | -18.54% | -17.29% | 11.3% | -12.12% |
Operating Expenses | 82.8M | 299.2M | 314.3M | 4B | 5.02B | 4.8B | 3.93B | 4.14B | 3.39B |
OpEx / Revenue % | 1.32% | 4.78% | 4.21% | 55.89% | 53.75% | 59.36% | 54.16% | 50.26% | 37.33% |
Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Combined Ratio % | 88.42% | 93% | 82.28% | 90.4% | 79.43% | 89.4% | 89.7% | 87.01% | 86.98% |
Operating Income | 725.2M▲ 0% | 437.9M▼ 39.6% | 1.32B▲ 201.9% | 688.1M▼ 48.0% | 1.92B▲ 179.3% | 857.1M▼ 55.4% | 747.3M▼ 12.8% | 1.07B▲ 43.1% | 1.18B▲ 10.6% |
Operating Margin % | 11.58% | 7% | 17.72% | 9.6% | 20.57% | 10.6% | 10.3% | 12.99% | 13.02% |
Operating Income Growth % | 5.75% | -39.62% | 201.94% | -47.96% | 179.31% | -55.4% | -12.81% | 43.13% | 10.63% |
EBITDA | 788.4M | 480.3M | 1.36B | 732.1M | 1.98B | 924.1M | 817.9M | 1.15B | 1.24B |
EBITDA Margin % | 12.59% | 7.67% | 18.26% | 10.22% | 21.18% | 11.43% | 11.27% | 13.93% | 13.61% |
Interest Expense | 63M | 42.2M | 40M | 43.7M | 56.2M | 66.7M | 70.5M | 77.3M | 70.1M |
Non-Operating Income | -63.2M | -42.4M | -40.2M | -44M | -56.4M | -67M | -70.6M | -77.4M | -53.2M |
Pretax Income | 725.4M▲ 0% | 438.1M▼ 39.6% | 1.32B▲ 201.8% | 688.4M▼ 47.9% | 1.92B▲ 179.2% | 857.4M▼ 55.4% | 747.4M▼ 12.8% | 1.07B▲ 43.1% | 1.18B▲ 10.7% |
Pretax Margin % | 11.58% | 7% | 17.73% | 9.61% | 20.58% | 10.61% | 10.3% | 13% | 13.03% |
Income Tax | 164.8M | 67.6M | 265.9M | 129.7M | 387.7M | 170.9M | 148.7M | 216.9M | 241.9M |
Effective Tax Rate % | 22.72% | 15.43% | 20.11% | 18.84% | 20.17% | 19.93% | 19.9% | 20.28% | 20.43% |
Net Income | 560.5M▲ 0% | 370.5M▼ 33.9% | 1.06B▲ 185.1% | 558.6M▼ 47.1% | 1.53B▲ 174.7% | 686.4M▼ 55.3% | 598.6M▼ 12.8% | 852.7M▲ 42.4% | 936.1M▲ 9.8% |
Net Margin % | 8.95% | 5.92% | 14.16% | 7.8% | 16.42% | 8.49% | 8.25% | 10.36% | 10.3% |
Net Income Growth % | 20.05% | -33.9% | 185.13% | -47.12% | 174.67% | -55.26% | -12.79% | 42.45% | 9.78% |
EPS (Diluted) | 1.92▲ 0% | 1.23▼ 35.9% | 3.51▲ 185.4% | 1.87▼ 46.7% | 5.05▲ 170.1% | 2.26▼ 55.2% | 2.10▼ 7.1% | 3.24▲ 54.3% | 3.73▲ 15.1% |
EPS Growth % | 18.52% | -35.94% | 185.37% | -46.72% | 170.05% | -55.25% | -7.08% | 54.29% | 15.12% |
EPS (Basic) | 2.14 | 1.26 | 3.52 | 1.87 | 5.08 | 2.28 | 2.12 | 3.30 | 3.84 |
Diluted Shares Outstanding | 299.39M | 301.02M | 301.23M | 298.9M | 303.67M | 303.3M | 285.47M | 263.18M | 249.64M |
Old Republic International Corporation (ORI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Total Assets | 19.4B | 19.33B | 21.08B | 22.82B | 24.98B | 25.16B | 26.5B | 27.84B | 29.92B |
Asset Growth % | 4.37% | -0.39% | 9.05% | 8.25% | 9.5% | 0.71% | 5.33% | 5.06% | 7.48% |
Total Investment Assets | 3.27B | 3.38B | 14.36B | 15.33B | 16.58B | 15.86B | 15.87B | 16.08B | 16.84B |
Long-Term Investments | 3.27B | 3.38B | 14.33B | 15.3B | 16.54B | 3.22B | 15.83B | 16.04B | 13.87B |
Short-Term Investments | 0 | 0 | 9.28B | 11.25B | 11.24B | 12.61B | 13.17B | 2.84B | 2.97B |
Total Current Assets | 292.9M | 13.64B | 0 | 0 | 18.12B | 20.22B | 0 | 0 | 3.05B |
Cash & Equivalents | 10.15B | 9.68B | 78.8M | 118.7M | 158.1M | 81M | 202.8M | 201.9M | 263.2M |
Receivables | 0 | 0 | 5.3B | 5.96B | 6.72B | 6.76B | 7.38B | 8.48B | 2.78B |
Other Current Assets | 0 | 0 | -14.66B | -17.32B | 3.82B | 5.15B | -21.55B | -12.44B | -2.97B |
Goodwill & Intangibles | 297.8M | 490.3M | 0 | 0 | 0 | 356.2M | 0 | 0 | 173.2M |
Goodwill | 0 | 174M | 0 | 0 | 174.5M | 178.1M | 0 | 0 | 173.2M |
Intangible Assets | 297.8M | 316.3M | 0 | 0 | 174.5M | 178.1M | 0 | 0 | 0 |
PP&E (Net) | 2.71B | -771M | 0 | 0 | 4.62B | -677.8M | 0 | 0 | 0 |
Other Assets | -3.27B | 9.58B | -14.33B | -15.3B | -16.54B | 12.61B | -15.83B | -16.04B | -14.04B |
Total Liabilities | 14.67B | 14.18B | 15.08B | 16.63B | 18.09B | 18.99B | 20.09B | 22.22B | 16.51B |
Total Debt | 1.45B | 981.3M | 973.9M | 966.4M | 1.59B | 1.6B | 1.59B | 1.59B | 1.78B |
Net Debt | -8.7B | -8.7B | 895.1M | 847.7M | -9.81B | 1.52B | 1.39B | 1.39B | 1.52B |
Long-Term Debt | 1.45B | 981.3M | 576.6M | 568.5M | 1.59B | 1.2B | 1.19B | 1.59B | 1.59B |
Short-Term Debt | 0 | 0 | 397.3M | 397.9M | 1.59B | 399M | 399.5M | 0 | 52.3M |
Total Current Liabilities | 10.3B | 10.54B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.04B |
Other Current Liabilities | -554.2M | -525.4M | -948.2M | -1.07B | -2.16B | -913.8M | -932.4M | -547.5M | -4.09B |
Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
Other Liabilities | 13.22B | 13.2B | -688.8M | -705.8M | -1.84B | -1.24B | -1.3B | -1.72B | 14.24B |
Total Equity | 4.73B▲ 0% | 5.15B▲ 8.7% | 6B▲ 16.6% | 6.19B▲ 3.1% | 6.89B▲ 11.4% | 6.17B▼ 10.5% | 6.41B▲ 4.0% | 5.62B▼ 12.3% | 5.93B▲ 5.5% |
Equity Growth % | 5.85% | 8.72% | 16.59% | 3.11% | 11.42% | -10.55% | 3.97% | -12.35% | 5.51% |
Shareholders Equity | 4.73B | 5.15B | 6B | 6.19B | 6.89B | 6.17B | 6.41B | 5.62B | 5.91B |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14.4M |
Retained Earnings | 3.21B | 3.85B | 4.39B | 4.39B | 5.21B | 5.32B | 5.64B | 5.52B | 5.52B |
Common Stock | 269.2M | 302.7M | 303.6M | 304.1M | 307.5M | 296.9M | 278.3M | 248.8M | 246.3M |
Accumulated OCI | 474.2M | -210M | 77.7M | 284M | 78M | -522.7M | -132.4M | -102.4M | 163.1M |
Return on Equity (ROE) | 12.18% | 7.5% | 18.96% | 9.17% | 23.46% | 10.51% | 9.52% | 14.18% | 16.21% |
Return on Assets (ROA) | 2.95% | 1.91% | 5.23% | 2.55% | 6.42% | 2.74% | 2.32% | 3.14% | 3.24% |
Equity / Assets | 24.39% | 26.63% | 28.47% | 27.12% | 27.59% | 24.51% | 24.19% | 20.18% | 19.81% |
Debt / Equity | 0.31x | 0.19x | 0.16x | 0.16x | 0.23x | 0.26x | 0.25x | 0.28x | 0.30x |
Book Value per Share | 15.81 | 17.10 | 19.92 | 20.70 | 22.70 | 20.33 | 22.46 | 21.35 | 23.75 |
Tangible BV per Share | 14.82 | 15.47 | 19.92 | 20.70 | 21.55 | 19.16 | 22.46 | 21.35 | 23.05 |
Old Republic International Corporation (ORI) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 452.8M | 760.5M | 936.2M | 1.19B | 1.31B | 1.17B | 880.4M | 1.23B | 1.16B |
Operating CF Growth % | -28.95% | 67.95% | 23.1% | 26.58% | 10.69% | -10.76% | -24.79% | 40.1% | -5.6% |
Operating CF / Revenue % | 7.23% | 12.15% | 12.55% | 16.54% | 14.04% | 14.48% | 12.13% | 14.98% | 12.81% |
Net Income | 560.5M | 370.5M | 1.06B | 558.6M | 1.53B | 686.4M | 598.6M | 852.7M | 937M |
Depreciation & Amortization | 27.2M | 27.6M | 26.8M | 26.9M | 27.2M | 28.3M | 33M | 0 | 0 |
Stock-Based Compensation | 3.5M | 3.8M | 3.7M | 2.1M | 3.2M | 9M | 19.5M | 0 | 0 |
Deferred Taxes | 49.5M | -69.5M | 37.2M | -18.3M | 151.4M | -37.3M | 0 | 0 | 0 |
Other Non-Cash Items | -315.1M | 185.9M | -712.5M | 128.9M | -962M | 169.3M | 421.7M | -228.9M | -174.8M |
Working Capital Changes | 127.2M | 172.7M | 524.6M | 486.8M | 557.6M | 314.9M | -192.4M | 609.6M | 402.1M |
Cash from Investing | -293.9M | -239.5M | -424.6M | -845.2M | -936.5M | -415M | 25.3M | -7.2M | -177.2M |
Capital Expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Acquisitions | 0 | -13.1M | -1.2M | 0 | 0 | 0 | 0 | 136.6M | 0 |
Purchase of Investments | -2.45B | -2.17B | -2.65B | -2.65B | -3.36B | -5.42B | -3.48B | -4.53B | -3.12B |
Sale/Maturity of Investments | 2.18B | 1.98B | 2.25B | 1.84B | 2.47B | 5.02B | 3.51B | 4.39B | 2.94B |
Other Investing | -24.3M | -31.9M | -28M | -41.8M | -47.1M | -12.3M | 200K | -4.5M | 2.3M |
Cash from Financing | -178.5M | -546.5M | -533.1M | -300M | -335.7M | -832.7M | -783.2M | -1.23B | -925.7M |
Dividends Paid | -198.8M | -498.8M | -538.7M | -250.1M | -1.02B | -579.7M | -275.5M | -271.9M | -782.6M |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | -281.2M | -535.3M | -942.2M | -123.8M |
Stock Issued | 17.8M | 13.1M | 13.8M | 6.7M | 60M | 26.6M | 31.1M | 2M | 3.8M |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | 0 | -1000K | -1000K | 0 |
Other Financing | 6.4M | -6.1M | 200K | 2M | 2.7M | 1.6M | 1.8M | -10.7M | -23.1M |
Net Change in Cash | -19.8M▲ 0% | -25.6M▼ 29.3% | -21.5M▲ 16.0% | 39.9M▲ 285.6% | 39.4M▼ 1.3% | -77.1M▼ 295.7% | 121.8M▲ 258.0% | -900K▼ 100.7% | 61.3M▲ 6911.1% |
Exchange Rate Effect | -200K | -100K | 0 | 100K | -100K | 0 | -700K | -200K | -100K |
Cash at Beginning | 145.7M | 125.9M | 100.3M | 78.8M | 118.7M | 158.1M | 81M | 202.8M | 201.9M |
Cash at End | 125.9M | 100.3M | 78.8M | 118.7M | 158.1M | 81M | 202.8M | 201.9M | 263.2M |
Free Cash Flow | 452.8M▲ 0% | 760.5M▲ 68.0% | 936.2M▲ 23.1% | 1.19B▲ 26.6% | 1.31B▲ 10.7% | 1.17B▼ 10.8% | 880.4M▼ 24.8% | 1.23B▲ 40.1% | 1.16B▼ 5.6% |
FCF Growth % | -28.95% | 67.95% | 23.1% | 26.58% | 10.69% | -10.76% | -24.79% | 40.1% | -5.6% |
FCF Margin % | 7.23% | 12.15% | 12.55% | 16.54% | 14.04% | 14.48% | 12.13% | 14.98% | 12.81% |
FCF per Share | 1.51 | 2.53 | 3.11 | 3.96 | 4.32 | 3.86 | 3.08 | 4.69 | 4.66 |
Old Republic International Corporation (ORI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Combined Ratio | 88.38% | 88.42% | 93% | 82.28% | 90.4% | 79.43% | 89.4% | 89.7% | 87.01% | 86.98% |
Medical Cost Ratio | 87.22% | 87.1% | 88.22% | 78.06% | 34.51% | 25.67% | 30.03% | 35.55% | 36.74% | 49.65% |
Return on Equity (ROE) | 11.18% | 12.18% | 7.5% | 18.96% | 9.17% | 23.46% | 10.51% | 9.52% | 14.18% | 16.21% |
Return on Assets (ROA) | 2.62% | 2.95% | 1.91% | 5.23% | 2.55% | 6.42% | 2.74% | 2.32% | 3.14% | 3.24% |
Equity / Assets | 24.05% | 24.39% | 26.63% | 28.47% | 27.12% | 27.59% | 24.51% | 24.19% | 20.18% | 19.81% |
Book Value / Share | 15.09 | 15.81 | 17.1 | 19.92 | 20.7 | 22.7 | 20.33 | 22.46 | 21.35 | 23.75 |
Debt / Equity | 0.34x | 0.31x | 0.19x | 0.16x | 0.16x | 0.23x | 0.26x | 0.25x | 0.28x | 0.30x |
Revenue Growth | 2.33% | 6.15% | -0.07% | 19.2% | -3.95% | 30.36% | -13.47% | -10.21% | 13.41% | 10.41% |
Old Republic International Corporation (ORI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Jan 22, 2026·SEC
Dec 12, 2025·SEC
Old Republic International Corporation (ORI) stock FAQ — growth, dividends, profitability & financials explained
Old Republic International Corporation (ORI) grew revenue by 10.4% over the past year. This is steady growth.
Yes, Old Republic International Corporation (ORI) is profitable, generating $936.1M in net income for fiscal year 2025 (10.3% net margin).
Yes, Old Republic International Corporation (ORI) pays a dividend with a yield of 8.10%. This makes it attractive for income-focused investors.
Old Republic International Corporation (ORI) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.
Old Republic International Corporation (ORI) has a combined ratio of 87.0%. A ratio below 100% indicates underwriting profitability.