ORI
Old Republic International Corp
$41.79
▼ 1.0%Updated Today 3:42 PM ET
ORI at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 68/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 9.0% over the last 12 months
Market Cap
$10.20B
P/E
10.12x
Forward P/E (est.)
7.62x
ROE
16.7%
Revenue Growth
12.3%
EPS Growth
32.8%
Profit Margin
10.9%
FCF Yield
—
Debt / Equity
0.27x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.0%
Implied Growth (rev. DCF)
—
Rating Score
68/100
Old Republic International Corp (ORI) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $10.20B.
In its latest reported year it generated about $9.14B in revenue and $935.40M in net profit.
Our model rates ORI Favorable (68/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what ORI's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. ORI trades near $41.79, above its 50-day average ($39.22) and 200-day average ($41.39). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 72 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. ORI's is $0.80 (~1.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month ORI found buyers near $37.18 (support) and sellers near $41.91 (resistance); its 52-week range is $35.60–$46.76. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.1× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
-0.6%
Revenue moved from $5.90B in 2016 to $9.14B in 2025, a 5.0% compound annual growth rate. The most recent year grew a steady 12.3% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
13.7%
Net Margin
10.2%
ROE
16.7%
Old Republic International Corp keeps about 10.9% of each sales dollar as net profit. Return on equity is 16.7%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
0.27x
Leverage: debt-to-equity is 0.3x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$1.16B
Free Cash Flow
$1.16B
FCF Margin
12.7%
In the latest year Old Republic International Corp produced about $1.16B of operating cash flow and $1.16B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
3.0%
Per share (latest FY)
$3.66
Total paid (latest FY)
$782.60M
History on record
10 years
dividend uses 67% of free cash flow
84% of net income paid out
total dividends increased 1 year in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
10.12x
P/S
1.11x
P/B
1.93x
EV / EBITDA
—
ORI trades at 10.1x trailing earnings (about 7.6x on estimated forward earnings), 1.1x sales, and 1.9x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where ORI sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How ORI stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), ORI ranks #53 of 289 by our overall rating. It trades at a discount versus the sector on earnings (10.1x P/E vs. 15.3x median) with a higher return on equity (16.7% vs. 13.6%) and slower revenue growth (12.3% vs. 15.9%).
P/E vs sector
10.1x
median 15.3x
ROE vs sector
16.7%
median 13.6%
Growth vs sector
12.3%
median 15.9%
Sector rank
#53
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $41.79 today · expected CAGR -1% – 10%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $10.23B | $11.46B | $12.84B | $14.38B | $16.10B |
| Net income | $1.02B | $1.15B | $1.28B | $1.44B | $1.61B |
| EPS | $4.19 | $4.70 | $5.26 | $5.89 | $6.60 |
| Share price (low) | $25.16 | $28.18 | $31.56 | $35.35 | $39.59 |
| Share price (high) | $41.93 | $46.97 | $52.60 | $58.91 | $65.98 |
| CAGR (low–high) | -40% / 0% | -18% / 6% | -9% / 8% | -4% / 9% | -1% / 10% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for ORI:
- Revenue is growing 12.3% a year, a sign of real demand.
- Strong return on equity (16.7%) shows capital is put to work well.
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
- Pays a 3.0% dividend on top of any price gains.
- Our model's overall read is Favorable (68/100).
The case against ORI:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Old Republic International Corp is a large-cap financials business still growing nicely, with modest profitability, and a sound balance sheet. It trades at 10.1x earnings, which our model scores Favorable (68/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 8 Wall Street analysts covering ORI recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-7 pts of buy ratings).
Latest SEC Filings
ORI's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
ORI — frequently asked questions
Is ORI a good stock to buy?
We don't give buy or sell advice. Our model rates Old Republic International Corp Favorable (68/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is ORI's rating on The Stocks School?
Old Republic International Corp currently scores 68/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does ORI's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Old Republic International Corp's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for ORI calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this ORI analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell ORI. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.