A Business at a Glance
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($ in Millions, Except Share Data) (a) General Description of Business. Old Republic International Corporation is a Chicago-based holding company engaged in the business of insurance underwriting and related services. It conducts its business through a number of operating companies, which utilize one or more insurance company subsidiaries to issue their policies, and is organized into two segments: Specialty Insurance and Title Insurance. References herein to such segments apply to the Company's subsidiaries engaged in these respective segments of business. The results of the Republic Financial Indemnity Group (RFIG) Run-off business, previously a reportable segment, are deemed immaterial and reflected within the Corporate & Other caption of this report through the effective date of its sale of May 31, 2024, along with the results of a small life and accident insurance business.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 9.1B | 9.1B | 8.2B | 7.3B | 8.1B | 9.3B |
| Net Income | 935M | 935M | 853M | 599M | 686M | 1.5B |
| EPS | $3.72 | $3.72 | $3.24 | $2.10 | $2.26 | $5.05 |
| Free Cash Flow | 1.2B | 1.2B | 1.2B | 880M | 1.2B | 1.3B |
| ROIC | 12.8% | 15.7% | 13.7% | 9.5% | 10.0% | 22.4% |
| Gross Margin | 13.0% | 13.0% | 13.0% | 10.3% | 10.6% | 20.6% |
| Debt/Equity | 0.27 | 0.27 | 0.28 | 0.25 | 0.26 | 0.23 |
| Dividends/Share | $3.11 | $3.66 | $3.06 | $0.98 | $1.92 | $2.38 |
| Operating Income | 1.2B | 1.2B | 1.0B | 714M | 857M | 1.9B |
| Operating Margin | 12.8% | 12.8% | 12.6% | 9.8% | 10.6% | 20.6% |
| ROE | 15.8% | 16.2% | 14.2% | 9.5% | 10.5% | 23.5% |
| Shares Outstanding | 251M | 251M | 263M | 285M | 304M | 304M |
OLD REPUBLIC INTERNATIONAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
OLD REPUBLIC INTERNATIONAL CORP trades at 11.1x trailing earnings, compared to its 15-year median P/E of 7.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 8.9x vs a median of 4.8x. The company's 5-year average ROIC is 14.3% with a gross margin of 13.5%. Total shareholder yield (dividends + buybacks) is 8.7%. At current prices, the estimated annualized return to fair value is +6.3%.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a current P/E ratio of 11.1, compared to its historical median P/E of 7.6. The stock is currently considered Expensive based on its historical valuation range.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a 5-year average return on invested capital (ROIC) of 14.3%. This indicates solid capital allocation.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a market capitalization of $10.4B. It is classified as a large-cap stock.
Yes, OLD REPUBLIC INTERNATIONAL CORP (ORI) pays a dividend with a trailing twelve-month yield of 7.52%. The company also returns capital through share buybacks, with a buyback yield of 1.19%.
Based on historical P/E analysis, OLD REPUBLIC INTERNATIONAL CORP (ORI) appears expensive. The current P/E of 11.1 is 45% above its historical median of 7.6. The estimated fair value CAGR (P/E method) is 5.5%.
OLD REPUBLIC INTERNATIONAL CORP (ORI) operates in the Surety Insurance industry, within the Financials sector.
OLD REPUBLIC INTERNATIONAL CORP (ORI) reported annual revenue of $9.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a net profit margin of 10.2%. This is a healthy margin.
OLD REPUBLIC INTERNATIONAL CORP (ORI) generated $1.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a debt-to-equity ratio of 0.27. This indicates a conservatively financed balance sheet.
OLD REPUBLIC INTERNATIONAL CORP (ORI) reported earnings per share (EPS) of $3.72 in its most recent fiscal year.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a return on equity (ROE) of 16.2%. This indicates the company generates strong returns for shareholders.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a 5-year average gross margin of 13.5%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 18 years of financial data for OLD REPUBLIC INTERNATIONAL CORP (ORI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
OLD REPUBLIC INTERNATIONAL CORP (ORI) has a book value per share of $23.52, based on its most recent annual SEC filing.
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