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Earnings transcript
Read the complete earnings call transcript.
ORI
Old Republic International Corporation
$40.39
0.78
(1.97%)
| Exchange: | NYSE |
| Market Cap: | 9.925B |
| Shares Outstanding: | 186.554M |
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, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. The company operates through three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers automobile extended warranty, aviation, commercial automobile, commercial multi-peril, commercial property, general liability, home warranty, inland marine, travel accident, and workers’ compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, guaranteed asset protection, and surety. This segment provides its insurance products to businesses, government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders’ and owners’ title insurance policies to real estate purchasers and investors based upon searches of the public records. 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 Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. The company was founded in 1923 and is based 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 | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,377,602.309 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,435,008.139 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 10,387,600 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,482,321.081 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,490,520.843 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,483,749.136 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 828,592.609 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 906,270.592 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 848,000 | 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) | 3.470 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.630 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.320 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | 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.
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
1.97
Trading Metrics:
| Open: | 39.67 | Previous Close: | 39.61 | |
| Day Low: | 39.57 | Day High: | 40.52 | |
| Year Low: | 34.43 | Year High: | 46.76 | |
| Price Avg 50: | 40.59 | Price Avg 200: | 40.87 | |
| Volume: | 703052 | Average Volume: | 1.942M |
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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…
