(ORI) Old Republic International - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US6802231042

ORI: Insurance, Liability, Mortgage, Title, Warranty, Claims

Old Republic International Corporation (NYSE:ORI) is a well-established insurance holding company with a rich history dating back to 1923. Headquartered in Chicago, Illinois, the company operates across the United States and Canada, specializing in insurance underwriting and related services. Its operations are divided into three distinct segments: General Insurance, Title Insurance, and Republic Financial Indemnity Group Run-off Business.

The General Insurance segment is the backbone of Old Republics operations, offering a diverse range of insurance products tailored to businesses, government entities, and institutions. These include aviation, commercial auto, workers compensation, and general liability insurance, among others. This segment also provides financial indemnity products such as directors and officers liability, errors and omissions, and fidelity insurance, catering to industries like transportation, construction, healthcare, and financial services. The diversity of its product offerings and the breadth of its customer base contribute to its financial stability and resilience.

The Title Insurance segment focuses on real estate-related services, providing lenders and owners policies to protect against title defects. Beyond traditional title insurance, the company offers escrow closing services, construction disbursement oversight, and real estate information products. This segment is well-positioned to benefit from the cyclical nature of the real estate market, with a strong emphasis on risk management and customer service. Its national default management services further enhance its value proposition in the mortgage lending ecosystem.

The Republic Financial Indemnity Group Run-off Business segment specializes in private mortgage insurance, protecting lenders and investors from default-related losses on residential mortgage loans. While this segment is in runoff, meaning it no longer writes new policies, it continues to generate cash flows from its existing portfolio. The company has a proven track record of managing legacy risks effectively, which is a testament to its prudent underwriting practices and risk management capabilities.

From an investment perspective, Old Republic stands out for its conservative balance sheet, disciplined underwriting approach, and consistent dividend payments. With a market capitalization of approximately $9.27 billion, the company is a mid-sized player in the property and casualty insurance industry. Its current price-to-earnings (P/E) ratio of 11.28 reflects its stable earnings profile, while its price-to-book (P/B) ratio of 1.65 indicates a reasonable valuation relative to its book value. The companys price-to-sales (P/S) ratio of 1.13 further underscores its operational efficiency and profitability.

For investors and fund managers, Old Republics appeal lies in its diversified business model, strong financial position, and long-term growth potential. Its ability to navigate cyclical markets, combined with its focus on specialty insurance products, makes it a compelling option for those seeking exposure to the insurance sector. The companys commitment to maintaining a strong capital position and its history of generating steady cash flows further enhance its attractiveness as a long-term investment.

For more information, visit their website at

ORI Stock Overview

Market Cap in USD 9,268m
Sector Financial Services
Industry Insurance - Property & Casualty
GiC Sub-Industry Property & Casualty Insurance
IPO / Inception 1990-03-26

ORI Stock Ratings

Growth 5y 89.7%
Fundamental -4.67%
Dividend 79.9%
Rel. Strength Industry 7.79
Analysts 3.67/5
Fair Price Momentum 40.70 USD
Fair Price DCF 58.23 USD

ORI Dividends

Dividend Yield 12m 9.05%
Yield on Cost 5y 20.34%
Annual Growth 5y 5.15%
Payout Consistency 65.3%

ORI Growth Ratios

Growth Correlation 3m 41.2%
Growth Correlation 12m 95.8%
Growth Correlation 5y 96.3%
CAGR 5y 19.20%
CAGR/Max DD 5y 0.42
Sharpe Ratio 12m 1.76
Alpha 27.62
Beta 0.47
Volatility 16.49%
Current Volume 871.2k
Average Volume 20d 933.9k
What is the price of ORI stocks?
As of February 23, 2025, the stock is trading at USD 36.49 with a total of 871,170 shares traded.
Over the past week, the price has changed by +0.22%, over one month by +0.97%, over three months by +1.79% and over the past year by +40.17%.
Is Old Republic International a good stock to buy?
Neither. Based on ValueRay Fundamental Analyses, Old Republic International is currently (February 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of -4.67 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of ORI as of February 2025 is 40.70. This means that ORI is currently undervalued and has a potential upside of +11.54% (Margin of Safety).
Is ORI a buy, sell or hold?
Old Republic International has received a consensus analysts rating of 3.67. Therefor, it is recommend to hold ORI.
  • Strong Buy: 0
  • Buy: 2
  • Hold: 1
  • Sell: 0
  • Strong Sell: 0
What are the forecast for ORI stock price target?
According to ValueRays Forecast Model, ORI Old Republic International will be worth about 46.7 in February 2026. The stock is currently trading at 36.49. This means that the stock has a potential upside of +28.06%.
Issuer Forecast Upside
Wallstreet Target Price 40.5 11%
Analysts Target Price 38.5 5.5%
ValueRay Target Price 46.7 28.1%