Stock Analysis
Old Republic International CorporationORI
P/E 8.41×· 5Y range 4.36–14.90×· bottom 23% of history
Sector: Financial Services · Industry: Surety Insurance
AnalystsBuy8 analystsP/E 8.4× sits at the 23rd percentile of its 5.0513347022587265-year history.
PMP Verdict
Cheap for a reason — weak fundamentals
Strengths
- Profitability85
- Quality60
Risks
- Growth0
- Financial Health28
Cheap for a reason — fundamentals remain weak.
Market context
+2.6% today· Z 2.5σ
Bull Case
- ✓ROE 19.2% — efficient capital deployment
- ✓Interest coverage 13.8× — debt well covered
- ✓P/E 8.4× at bottom 23% of 5-year history
What's happening with ORI
Profile
Strong profitability; growth, financial health and moat lag behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (23th 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 (-31.1%)0/25
- Profitability85/100 · Strong
- ROIC (28.6%)25/25
- ROE (19.2%)20/25
- Net margin (11.7%)20/25
- Operating margin (16.0%)20/25
- Financial Health28/100 · Weak
- Altman Z (0.95)3/25
- Current ratio (0.38)0/25
- Interest coverage (13.8x)25/25
- Net cash / debt (n/a)0/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.42)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 4.7%)25/25
- Moat43/100 · Weak
- ROIC >12% years (5/5 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 6.2%)18/25
Risk Flags
- ⚠Altman Z 1.0 — distress-zone balance sheet
- ⚠Revenue shrinking 0.6%/yr
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
65BP/E (TTM)8.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.4x–14.9x · 23rd pct
P/FCF7.4xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.5%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)0.99xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.7x–1.3x · 37th pct
EV/EBITDA8.7xA
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 Ratio1.62xA
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 Yield9.66%C
Grade C: HighTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio80.1%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
85AROIC28.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE19.2%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 Margin11.7%A
Grade A: HighNet Income / Revenue
Operating Margin16.0%C
Grade C: AverageTTM 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
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-31.1%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-19.9%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
Financial Health
28EAltman Z-Score0.95D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.38xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.38xD
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/Equity0.38xA
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
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 Stability4.7%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
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MONROE CAROLYN Filed | MONROE CAROLYN | SellOpen market sale | -4386 | |
MONROE CAROLYN Filed | MONROE CAROLYN | Option exercise | -15080 | |
MONROE CAROLYN Filed | MONROE CAROLYN | SellOpen market sale | -1788 | |
MONROE CAROLYN Filed | MONROE CAROLYN | Tax withholding | -13292 | |
MONROE CAROLYN Filed | MONROE CAROLYN | Option exercise | +15.1K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
LANGE JEFFREY Filed | LANGE JEFFREY | SellOpen market sale | -14075 | |
OBERST STEPHEN J Filed | OBERST STEPHEN J | Option exercise | -65000 | |
OBERST STEPHEN J Filed | OBERST STEPHEN J | Option exercise | -55000 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor6.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$4.71
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.54
Cash & short-term investments per share (Finnhub)
Book Value / Share$25.15
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$1.61B
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$9.58B
Current Market Capitalization
Beta0.55B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Old Republic International Corporation (ORI)
ORI is up 2.56% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Old Republic International Corporation. Altman Z-Score of 0.95 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 9.7% in dividends.
See how ORI ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ORI moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | Regular | 39.48 | +2.08% | 2.06 |
| Oct 16 | After-hours | 39.66 | +2.56% | 2.49 |
| Oct 8 | Regular | 38.60 | +2.36% | 2.93 |
| Oct 8 | After-hours | 38.55 | +2.23% | 2.79 |
| Oct 2 | Regular | 38.12 | +1.67% | 2.41 |
Frequently Asked Questions about ORI
What is the current Old Republic International Corporation (ORI) stock price?
ORI is trading at $39.66 at the last market close, up 2.56% on the session. PreMarketPrice tracks ORI pre-market, intraday and after-hours prices.
Is ORI stock a buy right now?
PreMarketPrice's quantitative model rates Old Republic International Corporation's financial health at 28/100. 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 8.4 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. As of the latest update, Old Republic International Corporation is trading at $39.66, up 2.56% on the day with a market capitalization of $9.6 billion. The financial health score for ORI is 28/100, which indicates poor 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 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ORI.
- Sector peers: Compare ORI against 4 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 28/100 suggests poor 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.