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Earnings transcript
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ORI
Old Republic International Corporation
$37.88
0.33
(0.88%)
| Exchange: | NYSE |
| Market Cap: | 9.226B |
| Shares Outstanding: | 186.554M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Diversified | |||||
| CEO: | Craig Richard Smiddy | |||||
| Full Time Employees: | 9400 | |||||
| Address: |
| |||||
| Website: | https://www.oldrepublic.com |
Old Republic International Corporation (ORI), through its various subsidiary entities, specializes in insurance underwriting and related services, primarily conducting business in the United States and Canada. The company organizes its operations into three main divisions: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers an extensive array of insurance products, such as extended auto warranties, aviation coverage, commercial vehicle policies, multi-peril and property insurance for businesses, general liability, home warranties, inland marine, travel accident, and workers’ compensation. It also provides financial indemnity solutions, including specialty coverages like errors and omissions, fidelity bonds, guaranteed asset protection, and surety bonds. This segment serves a wide range of clients, encompassing businesses, government agencies, and other institutions across industries like transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services. The Title Insurance segment issues both lenders’ and owners’ title insurance policies, protecting real estate purchasers and investors. These policies are based on meticulous searches of public records. Additionally, this segment offers escrow closing and construction disbursement services, provides real estate information products, national default management services, and various other essential services related to real estate transfers and loan transactions. Lastly, the Republic Financial Indemnity Group Run-off Business segment focuses on private mortgage insurance coverage. This product protects mortgage lenders and investors from losses arising from defaults on residential mortgage loans, primarily those granted to homebuyers. Founded in 1923, the corporation is headquartered in Chicago, Illinois.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 7,258,100 | 8,231,300 | 9,087,900 |
| Gross Profit | 4,678,100 | 5,206,900 | 4,575,700 |
| EBITDA | 817,900 | 1,147,000 | 1,236,500 |
| Operating Income | 747,300 | 1,069,600 | 1,183,300 |
| Net Income | 598,600 | 852,700 | 936,100 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 26,501,400 | 27,843,100 | 29,924,800 |
| Total Liabilities | 20,090,700 | 22,224,100 | 23,996,300 |
| Total Stockholders Equity | 6,410,700 | 5,619,000 | 5,914,000 |
| Total Debt | 1,591,200 | 1,588,600 | 1,589,900 |
| Cash and Cash Equivalents | 202,800 | 201,900 | 263,200 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 880,400 | 1,233,400 | 0 |
| Capital Expenditure | 0 | -1,800 | -1,400 |
| Free Cash Flow | 880,400 | 1,233,400 | -1,400 |
| Net Income | 598,600 | 852,700 | 937,000 |
| Net Change in Cash | 121,800 | -900 | 6,200 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,493,384.049 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,692,615.950 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 10,593,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,498,859.170 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,527,317.155 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,513,088.163 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 826,071.245 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 846,516.761 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 841,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.350 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.390 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.310 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: ORI demonstrates consistent revenue and net income growth as per the latest income statements, supported by strong operating cash flow and free cash flow figures from the cash flow statements. This indicates a robust operational foundation and ability to generate sustainable earnings.
- Attractive Valuation Metrics: The current price-to-earnings ratio (P/E TTM) and price-to-sales ratio (P/S TTM) suggest ORI is reasonably valued compared to industry averages (as per industry and sector data), while forward P/E ratios indicate potential for continued investor confidence with a stable or improving earnings outlook.
- Strong Dividend Yield: With a competitive dividend yield (dividendYieldTTM) and a history of consistent dividend payments (lastDiv), ORI offers an appealing income stream for investors, aligning with wealth-building goals.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ORI intrinsic value between $50.26 – $68.34 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about ORI valuation
Is Old Republic International Corporation (ORI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Old Republic International Corporation (ORI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ORI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ORI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ORI’s P/E ratio?
You can see ORI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ORI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ORI a good long-term investment?
Whether ORI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ORI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.88
Trading Metrics:
| Open: | 37.75 | Previous Close: | 37.55 | |
| Day Low: | 37.55 | Day High: | 38.41 | |
| Year Low: | 35.6 | Year High: | 46.76 | |
| Price Avg 50: | 39.71 | Price Avg 200: | 41.41 | |
| Volume: | 1.446M | Average Volume: | 1.603M |
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Login — it's freeORI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Old Republic International Corporation, or ORI as you might know it on the ticker. If you’re not familiar with this name, let me give you the quick rundown. Old Republic is a well-established player in the insurance and financial services space, operating primarily in the property and casualty insurance sector. Headquartered in the U.S., they’ve got a solid footprint with a focus on niche markets like title insurance and specialty underwriting. With thousands of…
