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Upturn AI SWOT - About
ORI 
Old Republic International Corp (ORI)
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Upturn Advisory Summary
11/07/2025: ORI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $46.5
1 Year Target Price $46.5
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.83% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/07/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.21B USD | Price to earnings Ratio 12.35 | 1Y Target Price 46.5 |
Price to earnings Ratio 12.35 | 1Y Target Price 46.5 | ||
Volume (30-day avg) 3 | Beta 0.84 | 52 Weeks Range 32.26 - 44.00 | Updated Date 11/9/2025 |
52 Weeks Range 32.26 - 44.00 | Updated Date 11/9/2025 | ||
Dividends yield (FY) 2.79% | Basic EPS (TTM) 3.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.76 | Actual 0.78 |
Profitability
Profit Margin 9.53% | Operating Margin (TTM) 15.28% |
Management Effectiveness
Return on Assets (TTM) 2.37% | Return on Equity (TTM) 13.03% |
Valuation
Trailing PE 12.35 | Forward PE - | Enterprise Value 12062997668 | Price to Sales(TTM) 1.17 |
Enterprise Value 12062997668 | Price to Sales(TTM) 1.17 | ||
Enterprise Value to Revenue 1.39 | Enterprise Value to EBITDA - | Shares Outstanding 247450000 | Shares Floating 244222265 |
Shares Outstanding 247450000 | Shares Floating 244222265 | ||
Percent Insiders 7.72 | Percent Institutions 76.75 |
Upturn AI SWOT
Old Republic International Corp
Company Overview
History and Background
Old Republic International Corp was founded in 1923. Initially focused on insurance for the emerging automobile industry, it has evolved into a leading provider of specialty insurance products.
Core Business Areas
- General Title Insurance: Provides title insurance policies and related services to protect real estate owners and lenders against losses resulting from title defects, liens, or encumbrances.
- General Liability Insurance: Offers commercial auto, workersu2019 compensation, and other general liability insurance to businesses.
- Title Insurance: Focuses on the underwriting and issuance of title insurance policies, primarily in the United States and Canada.
- Republic Financial Indemnity Group (RFIG): RFIG consists of the company's mortgage guaranty and consumer credit indemnity operations.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure is divided into business segments based on insurance lines.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: Offers title insurance to homeowners and lenders. Competitors include Fidelity National Financial, First American Financial, and Stewart Information Services. The companyu2019s title segment accounts for nearly a third of total revenues.
- Commercial Auto Insurance: Provides coverage for commercial vehicles and related liabilities. Competitors include Progressive, Travelers, and Liberty Mutual. Market share details are not readily available as part of a bundled general liability business.
- Workers' Compensation Insurance: Offers coverage for employee injuries and illnesses. Competitors include Travelers, Hartford Financial Services Group, and Liberty Mutual. Market share details are not readily available as part of a bundled general liability business.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and influenced by economic cycles, interest rates, and regulatory changes. The title insurance market is sensitive to real estate market fluctuations.
Positioning
Old Republic is a well-established specialty insurer with a focus on niche markets. Its competitive advantage lies in its underwriting expertise and long-term relationships with agents and brokers.
Total Addressable Market (TAM)
The total addressable market for specialty insurance, including title, general liability, and workers' compensation, is estimated to be hundreds of billions of dollars annually. Old Republic is positioned to capture a portion of this market through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Long-standing relationships with agents and brokers
- Diversified business lines
- Sound financial position
- Solid dividend history
Weaknesses
- Sensitivity to economic cycles
- Exposure to large claims
- Dependence on real estate market
- Geographic concentration in the U.S.
- Relatively smaller scale compared to larger competitors
Opportunities
- Expanding into new geographic markets
- Developing new insurance products
- Leveraging technology to improve efficiency
- Acquiring complementary businesses
- Capitalizing on growing demand for specialty insurance
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Natural disasters
- Rising interest rates
Competitors and Market Share
Key Competitors
- FNF
- FICO
- STC
Competitive Landscape
Old Republic competes with larger and smaller insurance companies. Its competitive advantage lies in its specialized focus and long-term relationships. Disadvantages are its smaller scale and limited geographic presence.
Major Acquisitions
Great West Casualty Company
- Year: 1997
- Acquisition Price (USD millions): 415
- Strategic Rationale: Expanded its presence in the trucking insurance market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued revenue and earnings growth, supported by favorable market conditions and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in technology, and acquiring complementary businesses.
Summary
Old Republic International Corp. is a well-established specialty insurer with consistent profitability and a strong dividend history. Its focus on niche markets and underwriting expertise contributes to its success. However, its smaller scale and sensitivity to economic cycles are challenges, but strategic initiatives and market expansion could drive future growth. Exposure to fluctuating real estate markets is a major risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual risk tolerance and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Republic International Corp
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Craig Richard Smiddy | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 9400 | Website https://www.oldrepublic.com |
Full time employees 9400 | Website https://www.oldrepublic.com | ||
Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services primarily in the United States and Canada. The company operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment offers accident and health, aviation, commercial auto, commercial multi-peril, commercial property, excess and surplus, general liability, home and auto warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, directors and officers, and surety. This segment provides its insurance products to businesses, state and local governments, 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' 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 company was founded in 1923 and is based in Chicago, Illinois.
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