Old Republic International Corporation (ORI) AI Stock Analysis

Established in 1923, Old Republic International Corporation operates primarily in the United States and Canada across three key segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. General Insurance provides automobile extended warranty, commercial property, workers' compensation, home warranty insurance, and financial indemnity products such as surety bonds and errors and omissions to institutions in transportation, healthcare, energy, and financial services. Title Insurance provides lender and owner title policies, escrow closing, construction disbursements, and default management services. The Republic Financial Indemnity Group Run-off Business manages private mortgage insurance coverage protecting lenders against defaults on residential loans.

Old Republic's revenue experienced a 5-year compound annual growth rate of 4.9% from FY2020 to FY2025. Annual revenue expanded from $7.26B in FY2023 to $8.23B in FY2024 and reached $9.09B in FY2025, which saw net income of $936.1M and diluted EPS of $3.24. Operating margins held at 13.0% in both FY2024 and FY2025, while gross margin stood at 50.3% in FY2025. In the trailing twelve months ended June 30, 2026, revenue totaled $9.72B with an operating margin of 17.4% and net profit margin of 11.7%. For the quarter ended June 30, 2026, revenue increased 13.4% year-over-year while quarterly earnings grew 61.7%.

As of June 30, 2026, Old Republic reported $2.65B in cash and short-term investments against total debt of $2.28B, resulting in a net cash position of $366.8M. Total assets stood at $31.59B alongside shareholders' equity of $6.07B, yielding a debt-to-equity ratio of 0.38 and a current ratio of 0.25. In FY2025, operating cash flow and free cash flow both reached $1.16B. During that year, the company allocated $1.4M to capital expenditures, returned $782.6M via dividends paid, and deployed $123.8M for share buybacks, contributing to a 19.2% share count decline over 5 years.

At $39.66 on October 16, 2026, Old Republic trades at a trailing P/E of 8.8x, compared to 12.1x for the median of its US-listed Financial Services peers. Its forward P/E of 11.4x is slightly above the peer median of 10.8x, while its price-to-sales multiple of 1.0x compares to the peer median of 3.2x. The company's price-to-book ratio is 1.5x and enterprise value to revenue is 1.2x. Over the past 1 year, the stock gained 5.7% compared to a 16.8% return for the S&P 500, though its 5-year gain of 123.1% outpaced the benchmark's 83.0%.

Old Republic offers an annualized forward dividend of $1.26 per share, representing a 3.18% dividend yield as of October 16, 2026. The company pays dividends quarterly and has paid dividends for 42 consecutive years. Its 5-year annualized dividend growth rate stands at 30.3%, supported by a payout ratio of 93.6%. The last ex-dividend date was September 4, 2026.

Wall Street analyst coverage consists of 1 Strong Buy, 2 Holds, and 0 Sell ratings. The mean price target is $43.50, implying a 9.7% upside from the October 16, 2026 close of $39.66. For FY2026, consensus estimates project revenue of $9.93B and an EPS decline of 7.6% to $2.91. For FY2027, 3 analysts anticipate revenue of $10.37B and EPS of $3.28, reflecting 12.8% earnings growth. Old Republic beat EPS estimates in 2 of the past 4 quarters, with next earnings scheduled for October 22, 2026.

This page is an AI-written research summary of Old Republic International Corporation (ORI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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