Old Republic International Corporation (ORI) Stock Analysis
Market Closed
Sector: Financial Services · Industry: Surety Insurance
AnalystsBuy8 analystsPrice History
5-Year Weekly Candlestick Chart
Profile
growth lags behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (37th pct)20/25
- FCF yield (n/a)10/25
- P/S (1.0x)25/25
- EV/EBIT (n/a)10/25
- Growth0/100 · Weak
- Revenue CAGR (-0.6%)0/25
- Net income CAGR (-11.6%)0/25
- EPS CAGR 5Y (-7.4%)0/25
- Fwd implied growth (-24.0%)0/25
- Profitability52/100 · Moderate
- ROIC (n/a)0/25
- ROE (17.3%)20/25
- Net margin (10.8%)20/25
- Operating margin (13.9%)12/25
- Financial Health53/100 · Moderate
- Altman Z (0.63)3/25
- Current ratio (0.43)0/25
- Interest coverage (13.8x)25/25
- Net cash / debt (Net cash)25/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.42)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 4.0%)25/25
About Old Republic International Corporation
Old Republic International Corp is engaged in the business of insurance underwriting and related services. Show more
The company operates in two segments: Specialty Insurance and Title Insurance. The insurance provided by the company includes Automobile Extended Warranty Insurance, Aviation, Commercial Automobile Insurance, Inland Marine, Travel Accident, Workers' Compensation, Financial Indemnity, and others. The company generates the majority of its revenue from Specialty Insurance. The Specialty Insurance provides property and liability insurance principally to commercial clients.
Headquarters: CHICAGO, IL · Employees: 9,500 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-09-03-4386 sh2026-09-01
- SellOption exercise · filed 2026-08-13-15080 sh2026-08-11
- SellOpen market sale · filed 2026-08-13-1788 sh2026-08-11
- SellTax withholding · filed 2026-08-13-13292 sh2026-08-11
- BuyOption exercise · filed 2026-08-13+15.1K sh2026-08-11
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
65BP/E (TTM)9.3xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.4x–14.9x · 37th pct
P/FCF7.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.8%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)0.97xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.7x–1.3x · 34th pct
EV/EBITDA8.5xA
Grade A: CheapEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales1.2xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E12.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.55xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.85A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield9.87%C
Grade C: HighTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio83.7%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
52CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE17.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA3.8%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin10.8%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
53CAltman Z-Score0.63D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.43xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.43xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage13.8xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.27xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
0ERevenue CAGR-0.6%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-11.6%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-7.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-24.0%D
Grade D: Decl.Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-16.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.42A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability4.0%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.31xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$4.09
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.27
Cash & short-term investments per share (Finnhub)
Book Value / Share$24.01
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$1.04B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$5.91B
Shareholders' equity (book value)
Asset / Liability1.25xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.16B
Current Market Capitalization
Beta0.56B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Current P/E of 9.3x sits at the 37th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 25, 2026
Key Insights: Old Republic International Corporation (ORI)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Old Republic International Corporation. Altman Z-Score of 0.63 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.42 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -1%), which weighs on the growth outlook.
- The stock currently yields 9.9% in dividends.
See how ORI ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for ORI in the last 30 days.
See ORI move history →Frequently Asked Questions about ORI
Is ORI stock a buy right now?
PreMarketPrice's quantitative model rates Old Republic International Corporation's financial health at 53/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ORI stock overvalued?
Old Republic International Corporation trades at a trailing P/E of 9.3 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Old Republic International Corporation report earnings?
No confirmed earnings date is currently scheduled for ORI. The Earnings section lists recent reports and updates as dates are announced.
What sector does Old Republic International Corporation operate in?
Old Republic International Corporation operates in the Financial Services sector, within the Surety Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Old Republic International Corporation do?
Old Republic International Corp is engaged in the business of insurance underwriting and related services.
About Old Republic International Corporation (ORI) Stock
Old Republic International Corporation (ORI) is a US-listed stock operating in the Financial Services sector, specifically the Surety Insurance industry. Real-time pricing data for Old Republic International Corporation is available on this page with a market capitalization of $9.2 billion. The financial health score for ORI is 53/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ORI stock.
ORI Stock Analysis & Key Metrics
On PreMarketPrice, you can track Old Republic International Corporation (ORI) across multiple dimensions:
- Pre-market price & movement: Real-time ORI stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ORI with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Old Republic International Corporation across multiple reporting periods.
- Financial health score: A composite score of 53/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ORI.
- Sector peers: Compare ORI against 10 other financial services stocks on key financial metrics.
Is ORI a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Old Republic International Corporation (ORI) as an investment. The financial health score of 53/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Old Republic International Corporation (ORI) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.