Old Republic International Corporation
NYSE•ORI
CEO: Mr. Craig Richard Smiddy
Sector: Financial Services
Industry: Insurance - Diversified
Listing Date: 1980-03-17
Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. It operates through three segments: General Insurance, Title Insurance, and Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers aviation, commercial auto, commercial multi-peril, commercial property, general liability, home and auto warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, directors and officers, and surety. This segment provides its insurance products to businesses, state and local government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders' and owners' policies to real estate purchasers and investors based upon searches of the public records. 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 Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. Old Republic International Corporation was founded in 1923 and is based in Chicago, Illinois.
Contact Information
Market Cap
$10.41B
P/E (TTM)
11.0
15.1
Dividend Yield
8.7%
52W High
$46.76
52W Low
$34.43
52W Range
Rank22Top 8.4%
5.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$2.34B+16.94%
4-Quarter Trend
EPS
$0.85+97.67%
4-Quarter Trend
FCF
$595.80M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Premiums and Fees Rise Consolidated net premiums earned reached $8.05B USD, marking a 10.1% increase driven by Specialty and Title segments.
Net Income Shows Growth Net income attributable to shareholders totaled $935.4M USD, reflecting a strong 9.7% increase over last year.
Investment Income Increased Net investment income grew 5.3% to $708.7M USD, supported by higher yields on the invested asset base.
Specialty Premium Growth Strong Specialty Insurance net premiums earned increased 10.9% in 2025, driven by rate increases and new business production.
Risk Factors
Underwriting Profitability Pressure Consolidated combined ratio worsened to 94.7% from 93.9%, indicating reduced underwriting profitability over the cycle.
Specialty Current Year Loss Ratio Specialty Insurance current year loss ratio rose to 66.8% from 66.4%, impacted by liability trends in trucking reserves.
Title Insurance High Expense Ratio Title Insurance expense ratio remains elevated at 95.4%, partially due to litigation settlement expenses recorded in 2025.
Regulatory and Technology Risks Evolving privacy, cybersecurity laws, and AI adoption uncertainty pose risks to operations and compliance costs.
Outlook
Specialty Growth Through Acquisition Specialty segment announced definitive agreement to acquire Everett Cash Mutual Insurance Co., expected to close in 2026.
Focus on Core Systems Modernization Investments continue in modernizing core systems across operating companies, expecting expense decreases as old systems decommission.
Title Commercial Business Expansion Title Insurance commercial premiums represented 26% of net premiums earned, showing strong growth focus for future.
Capital Return Maintained Total capital returned to shareholders reached $1.02B USD in 2025 via dividends and ongoing share repurchases.
Peer Comparison
Revenue (TTM)
$19.93B
$13.02B
$12.81B
Gross Margin (Latest Quarter)
78.6%
70.3%
69.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| ACGL | $35.20B | 8.1 | 19.0% | 4.1% |
| UNM | $12.43B | 16.9 | 6.6% | 6.1% |
| FHN | $11.53B | 11.7 | 11.1% | 5.5% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.5%
Moderate Growth
4Q Net Income CAGR
-5.4%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 22, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data