📊 ORI Key Takeaways
Is Old Republic International Corp. (ORI) a Good Investment?
ORI demonstrates strong fundamental health with a debt-free balance sheet, exceptional free cash flow generation ($1.2B, 12.7% FCF margin), and robust ROE of 15.8%. However, the 0.7% net income decline despite 11% revenue growth signals margin compression that warrants monitoring before stronger conviction.
Why Buy Old Republic International Corp. Stock? ORI Key Strengths
- Pristine balance sheet: zero long-term debt with $5.9B equity and 0.00x Debt/Equity ratio
- Exceptional cash generation: $1.2B operating cash flow with 12.7% FCF margin demonstrates strong cash conversion
- Superior returns: 15.8% ROE and 10.2% net margin indicate efficient capital deployment in surety insurance operations
- Solid revenue momentum: 11% YoY revenue growth to $9.1B shows business traction
ORI Stock Risks: Old Republic International Corp. Investment Risks
- Earnings deterioration: Net income declined 0.7% YoY despite 11% revenue growth, indicating operational margin pressure or elevated claims ratios
- Operating leverage concern: 10.1% operating margin growth did not translate to bottom-line expansion, suggesting cost inflation or underwriting challenges
- Insurance cycle exposure: Surety insurance sector subject to claims volatility and economic cycle sensitivity
Key Metrics to Watch
- Net income trend and reconciliation to revenue growth trajectory
- Operating margin sustainability and claims ratio development
- Free cash flow generation and capital allocation strategy
Old Republic International Corp. (ORI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
ORI Profit Margin, ROE & Profitability Analysis
ORI vs Finance Sector: How Old Republic International Corp. Compares
How Old Republic International Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Old Republic International Corp. Stock Overvalued? ORI Valuation Analysis 2026
Based on fundamental analysis, Old Republic International Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Old Republic International Corp. Balance Sheet: ORI Debt, Cash & Liquidity
ORI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Old Republic International Corp.'s revenue has remained relatively flat over the 5-year period, with a 2% decline. The most recent EPS of $2.10 reflects profitable operations.
ORI Revenue Growth, EPS Growth & YoY Performance
ORI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.3B | $279.5M | $1.11 |
| Q2 2025 | $1.9B | $91.8M | $0.35 |
| Q1 2025 | $2.0B | $245.0M | $0.98 |
| Q3 2024 | $1.8B | $52.6M | $0.19 |
| Q2 2024 | $1.8B | $91.8M | $0.35 |
| Q1 2024 | $1.8B | $199.8M | $0.68 |
| Q3 2023 | $1.7B | $52.6M | $0.19 |
| Q2 2023 | $1.8B | -$40.1M | $-0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Old Republic International Corp. Dividends, Buybacks & Capital Allocation
ORI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Old Republic International Corp. (CIK: 0000074260)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 31, 2026 | DEF 14A | ny20056001x1_def14a.htm | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773857544.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773857515.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773857485.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773857456.xml | View → |
❓ Frequently Asked Questions about ORI
What is the AI rating for ORI?
Old Republic International Corp. (ORI) has an AI rating of BUY with 76% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ORI's key strengths?
Claude: Pristine balance sheet: zero long-term debt with $5.9B equity and 0.00x Debt/Equity ratio. Exceptional cash generation: $1.2B operating cash flow with 12.7% FCF margin demonstrates strong cash conversion.
What are the risks of investing in ORI?
Claude: Earnings deterioration: Net income declined 0.7% YoY despite 11% revenue growth, indicating operational margin pressure or elevated claims ratios. Operating leverage concern: 10.1% operating margin growth did not translate to bottom-line expansion, suggesting cost inflation or underwriting challenges.
What is ORI's revenue and growth?
Old Republic International Corp. reported revenue of $9.1B.
Does ORI pay dividends?
Old Republic International Corp. pays dividends, with $782.6M distributed to shareholders in the trailing twelve months.
Where can I find ORI SEC filings?
Official SEC filings for Old Republic International Corp. (CIK: 0000074260) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ORI's EPS?
Old Republic International Corp. has a diluted EPS of $3.72.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ORI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Old Republic International Corp. has a BUY rating with 76% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ORI stock overvalued or undervalued?
Valuation metrics for ORI: ROE of 15.8% (sector avg: 12%), net margin of 10.2% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy ORI stock in 2026?
Our dual AI analysis gives Old Republic International Corp. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ORI's free cash flow?
Old Republic International Corp.'s operating cash flow is $1.2B, with capital expenditures of N/A. FCF margin is 12.7%.
How does ORI compare to other Finance stocks?
Vs Finance sector averages: Net margin 10.2% (avg: 25%), ROE 15.8% (avg: 12%), current ratio N/A (avg: 1.2).