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Old Republic International Corporation

Old Republic International Corporation

NYSE•ORI
CEO: Mr. Craig Richard Smiddy
セクター: Financial Services
業種: Insurance - Diversified
上場日: 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.
連絡先情報
307 North Michigan Avenue, Chicago, IL, 60601, United States
312-346-8100
www.oldrepublic.com
時価総額
$10.53B
PER (TTM)
11.1
15.6
配当利回り
8.6%
52週高値
$46.76
52週安値
$34.43
52週レンジ
66%
順位22Top 8.4%
5.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$2.34B+16.94%
直近4四半期の推移

EPS

$0.85+97.67%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Operating Income Rises 6.6% Net income excluding investment gains reached $607.7M for nine months, marking 6.6% growth over prior year results.
Premiums Earned Increased 10.3% Total net premiums and fees earned grew to $5.92B for nine months, driven by strong Specialty and Title growth.
Equity Position Strengthened 14.3% Shareholders' equity increased 14.3% to $6.42B as of September 30, 2025, supporting debt to equity ratio of 24.7%.
Investment Income Yields Higher Net investment income rose 4.4% to $524.9M for nine months, primarily driven by higher investment yields earned.

リスク要因

Title Segment Combined Ratio Title Insurance combined ratio elevated to 98.9% NME 2025, reflecting higher agent commissions and litigation expenses.
Specialty Expense Ratio Elevated Specialty Insurance expense ratio elevated due to start-up costs for new operating companies and IT modernization projects.
Interest Rate Sensitivity Exposure Fixed income portfolio fair value sensitive to interest rate fluctuations, impacting common shareholders' equity directly.
Quarterly Underwriting Deviation Quarterly combined ratio slightly worsened to 95.3% Q3 2025, deviating from long-term underwriting cycle targets.

見通し

Capital Return Remains Priority Total capital returned to shareholders was $281M NME, comprising dividends and share repurchases through Q3 2025.
Strategic Acquisition Integration Planned Definitive agreement signed to acquire Everett Cash Mutual Insurance Co., expected to close during 2026 upon approvals.
Ongoing Core System Modernization Investing in modernizing core systems like policy administration and claims, expecting redundant costs for several years.
Long-Term Performance Focus Management evaluates results over 10-year intervals, emphasizing underwriting profitability over short-term quarterly fluctuations.

同業比較

売上高 (TTM)

Arch Capital Group Ltd.ACGL
$14.54B
-14.1%
Unum GroupUNM
$12.94B
+1.2%
Assurant, Inc.AIZ
$12.57B
+6.9%

粗利益率 (最新四半期)

First Horizon CorporationFHN
70.3%
+9.6pp
Comerica IncorporatedCMA
69.4%
+3.3pp
XP Inc.XP
68.2%
+4.3pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ACGL$35.68B8.419.7%0.0%
FHN$12.09B12.311.1%5.5%
UNM$11.99B16.36.7%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.5%
緩やかな成長
4四半期純利益CAGR
-5.4%
収益性の低下
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月31日|
    売上高: $2.42B+3.5%
    |
    EPS: $1.14-15.6%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月1日|
    売上高: $2.21B+18.0%
    |
    EPS: $0.84+140.0%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $2.11B+4.9%
    |
    EPS: $1.01-13.7%
    予想を上回る

  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月27日|
    売上高: $8.23B+13.4%
    |
    EPS: $3.30+55.7%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|修正版データを参照

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月1日|
    売上高: $2.34B+33.0%
    |
    EPS: $1.35+610.5%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $1.87B+4.1%
    |
    EPS: $0.35-35.2%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $2.02B+14.6%
    |
    EPS: $1.17+72.1%
    予想を上回る