Old Republic International (ORI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Old Republic International

NYSE•Financial Services•Insurance - Property & Casualty

$41.43-0.83(-0.02%)Pre-market

Market Cap

$9.71B

P/E

8.5x

P/S

1.0x

P/B

1.6x

Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada. It operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment provides lines of coverages, such as accident and health, aviation, commercial auto, commercial multi-peril, commercial property, cyber, environmental, excess and surplus, home and auto warranty, automobile extended warranty, general liability, inland marine, travel accident, and workers' compensation, as well as financial indemnity, including directors and officers, errors and omissions, fidelity, and surety coverages. This segment offers its products to transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment insures against losses arising out of defects, liens and encumbrances affecting the insured title to real estate purchasers and investors. This segment also provides escrow closing and construction disbursement services; and real estate information products; national default management services; and various other services pertaining to real estate transfers and loan transactions. The company was founded in 1923 and is based in Chicago, Illinois.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability20/25

Growth23/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality23/25

Strengths

High ROERising earningsInterest easily coveredCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.5x5y range 7.1x – 17.9x

Currently below its 20-quarter median.

P/S · 1.0x5y range 1.0x – 1.4x

Currently near its 20-quarter median.

P/B · 1.6x5y range 1.4x – 1.9x

Price & Volume

Market Cap $9.71B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $9.72B
Q. Revenue: $2.50B
TTM EBITDA: $1.44B
TTM Op. Income: $1.44B
Q. Op. Income: $410.20M
TTM Net Income: $1.14B
Q. Net Income: $322.30M
EPS: $1.34
Shares Out.: $239.83M

$9.72B in TTM revenue grew 12.1% YoY, reaching $2.50B last quarter. TTM EBITDA of $1.44B and TTM operating income of $1.44B show growth is flowing through to the bottom line. TTM net income of $1.14B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 16.4%
Op. Margin: 16.4%
Net Margin: 12.9%

Op. margin of 16.4% is up 4.6% YoY — cost efficiency is improving. Net margin at 12.9% Over the past year, operating margin is up 39% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.5x
P/S Ratio: 1.0x
P/B Ratio: 1.6x

At 8.5x P/E, the stock trades below typical market levels. P/S of 1.0x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $31.59B
Cash: $417.70M
Long-Term Debt: N/A
Book Value: $6.07B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $199.70M
TTM Free Cash Flow: $1.28B
FCF Margin: 13.2%
FCF / Net Income: 1.1

TTM FCF of $1.28B on $199.70M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.