ORI Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Conservative Leverage & Strong Capital PositionA low debt-to-equity ratio (~0.27) and healthy ROE (~16.7%) provide durable balance-sheet resilience. This conservatism supports the firm's ability to absorb underwriting volatility, finance bolt-on deals or buybacks, and maintain ratings and access to capital over multi-quarter cycles.
Strong Operating Cash GenerationConsistent operating cash flow (~$1.21B TTM) and free cash flow roughly equal to net income indicate high earnings-to-cash conversion. That durable cash generation funds dividends, repurchases, modernization spend, and acquisitions without heavy reliance on external financing.
Title Segment Revenue And Efficiency GainsTitle's double-digit revenue growth, improved combined ratio and higher pretax income reflect structural strength: scale in transaction services, operational efficiency gains (including Qualia partnership), and sensitivity to housing activity that supports steady earnings through cycles.
Bears Say
Specialty Underwriting Profitability WeaknessWorsening specialty combined ratio (95.5% from 90.7%) and a sharp drop in pretax income signal durable pressure in key commercial lines. Persistent underwriting deterioration reduces underwriting margins, making earnings more dependent on investment income or structural rate actions over several quarters.
Margin Compression And Choppy Free Cash FlowMaterial margin decline from 2021 peak indicates sustained pressure on underwriting profitability or higher operating costs. Combined with episodic free-cash-flow swings, this constrains the company's ability to steadily compound equity and sustain elevated shareholder returns without underwriting improvement.
Reserve Strengthening And Higher Expense Run-rateReserve strengthening (including a $40M adjustment) and a higher expense ratio from ongoing IT/data/AI investments raise structural earnings volatility and lift the base expense footprint. These items can depress near-term underwriting returns and make multi-quarter recovery reliant on realized productivity gains.
Old Republic International News
ORI FAQ
What was Old Republic International’s price range in the past 12 months?
Currently, no data Available
What is Old Republic International’s market cap?
Old Republic International’s market cap is $179.57B.
When is Old Republic International’s upcoming earnings report date?
Old Republic International’s upcoming earnings report date is Oct 22, 2026 which is in 87 days.
How were Old Republic International’s earnings last quarter?
Old Republic International released its earnings results on Jul 23, 2026. The company reported $13.25 earnings per share for the quarter, missing the consensus estimate of $13.825 by -$0.575.
Is Old Republic International overvalued?
According to Wall Street analysts Old Republic International’s price is currently Undervalued.
Does Old Republic International pay dividends?
Old Republic International does not currently pay dividends.
What is Old Republic International’s EPS estimate?
Old Republic International’s EPS estimate is 13.88.
How many shares outstanding does Old Republic International have?
Old Republic International has 243,554,050 shares outstanding.
What happened to Old Republic International’s price movement after its last earnings report?
Old Republic International reported an EPS of $13.25 in its last earnings report, missing expectations of $13.825. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Old Republic International?
Currently, no hedge funds are holding shares in MX:ORI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Old Republic International Stock Smart Score
Neutral
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Analyst Consensus
Hold
Average Price Target:
$682.84 (― Downside)
$682.84 (― Downside)
Insider Transactions
Sold Shares
Worth $8.8M over
the Last 3 Months
the Last 3 Months
News Sentiment
Bullish
Bullish news 60%
Bearish news 40%
Bearish news 40%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.97%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
7.64%
Trailing 12-Months
Company Description
Old Republic International
Old Republic International Corporation (ORI), through its various subsidiary entities, specializes in insurance underwriting and related services, primarily conducting business in the United States and Canada. The company organizes its operations into three main divisions: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers an extensive array of insurance products, such as extended auto warranties, aviation coverage, commercial vehicle policies, multi-peril and property insurance for businesses, general liability, home warranties, inland marine, travel accident, and workers' compensation. It also provides financial indemnity solutions, including specialty coverages like errors and omissions, fidelity bonds, guaranteed asset protection, and surety bonds. This segment serves a wide range of clients, encompassing businesses, government agencies, and other institutions across industries like transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services. The Title Insurance segment issues both lenders' and owners' title insurance policies, protecting real estate purchasers and investors. These policies are based on meticulous searches of public records. Additionally, this segment offers escrow closing and construction disbursement services, provides real estate information products, national default management services, and various other essential services related to real estate transfers and loan transactions. Lastly, the Republic Financial Indemnity Group Run-off Business segment focuses on private mortgage insurance coverage. This product protects mortgage lenders and investors from losses arising from defaults on residential mortgage loans, primarily those granted to homebuyers. Founded in 1923, the corporation is headquartered in Chicago, Illinois.
ORI Company Deck
ORI Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mix of clear strengths — notably strong title revenue and profitability, book value growth, higher investment income, and an accretive acquisition (ECM) — alongside meaningful near-term challenges including lower consolidated and specialty earnings, reserve strengthening in a runoff business ($40M), and higher expense ratios driven by necessary IT and AI investments. Management communicated confidence in long-term benefits from modernization and the accretive outlook for ECM, while acknowledging short-term profit and reserve pressures.View all MX:ORI earnings summariesORI Stock 12 Month Forecast
Average Price Target
$682.84