Old Republic International Corp

Valuation Analysis

About the Company

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 t

Old Republic International Corp Stock at a Glance

Old Republic International Corp (ORI) is currently trading at $38.57 with a market capitalization of $9.4B. The trailing P/E ratio stands at 9.5x, with a forward P/E of 11.57x. The 52-week range spans from $35.60 to $46.76; the current price is 17.5% below the yearly high. Year-over-year revenue growth stands at +13.5%. The net profit margin stands at 10.83%.

💰 Dividend

Old Republic International Corp pays an annual dividend of $1.26 per share, representing a yield of 3.27%. The payout ratio stands at 29.19%.

📊 Analyst Rating

2 analysts rate Old Republic International Corp (ORI) on consensus: None. The average price target is $42.00, implying +8.89% from the current price. Analyst price targets range from $40.00 to $44.00.

Old Republic International Corp: The Investment Case in Detail

Old Republic International Corp (ORI) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 13.5% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 34.7% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. With a gross margin near 63.49%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns.

Valuation in Context

The PEG ratio at 1.39 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric. The EV/EBITDA multiple of 6.97x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.

What to Watch Next

• The dividend yield near 3.27% combined with a payout ratio of 29.19% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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