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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
$9.83B
PER (TTM)
10.4
15.7
配当利回り
9.2%
52週高値
$46.76
52週安値
$34.43
52週レンジ
45%
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

$235.00M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

ACGL stock ticker logoACGL
$19.93B
+17.7%
UNM stock ticker logoUNM
$13.02B
+1.8%
AIZ stock ticker logoAIZ
$12.81B
+7.9%

粗利益率 (最新四半期)

AIZ stock ticker logoAIZ
78.6%
+4.2pp
FHN stock ticker logoFHN
70.3%
+9.6pp
CMA stock ticker logoCMA
69.4%
+3.3pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ACGL$34.17B7.919.0%4.1%
UNM$12.16B16.56.6%6.1%
CMA$11.35B16.210.0%6.8%

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
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月22日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし