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ORI 
Old Republic International Corp (ORI)
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Upturn Advisory Summary
12/09/2025: ORI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $49
1 Year Target Price $49
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.13% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.70B USD | Price to earnings Ratio 12.95 | 1Y Target Price 49 |
Price to earnings Ratio 12.95 | 1Y Target Price 49 | ||
Volume (30-day avg) 3 | Beta 0.83 | 52 Weeks Range 32.05 - 46.32 | Updated Date 12/9/2025 |
52 Weeks Range 32.05 - 46.32 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 2.62% | Basic EPS (TTM) 3.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.95 | Forward PE - | Enterprise Value 12027525856 | Price to Sales(TTM) 1.22 |
Enterprise Value 12027525856 | Price to Sales(TTM) 1.22 | ||
Enterprise Value to Revenue 1.37 | Enterprise Value to EBITDA - | Shares Outstanding 246720394 | Shares Floating 244241888 |
Shares Outstanding 246720394 | Shares Floating 244241888 | ||
Percent Insiders 7.72 | Percent Institutions 76.31 |
Upturn AI SWOT
Old Republic International Corp
Company Overview
History and Background
Old Republic International Corporation (ORI) was founded in 1923. It has a long history of growth and diversification, evolving from a small insurance agency to a major diversified holding company. Key milestones include its expansion into various insurance lines and its commitment to long-term, conservative growth strategies. ORI has historically focused on niche markets within the insurance and financial services industries.
Core Business Areas
- General Insurance: This segment provides a wide range of commercial insurance coverages, including general liability, commercial auto, workers' compensation, property, and umbrella liability insurance. It also includes personal lines insurance, primarily homeowners and auto.
- Life & Annuities: This segment focuses on the sale of life insurance policies and annuity contracts, particularly to individuals through independent agents and financial planners.
- Title Insurance: This segment offers title insurance and closing services for residential and commercial real estate transactions.
Leadership and Structure
Old Republic International Corp operates as a holding company with a decentralized structure, allowing its various subsidiaries to maintain operational autonomy. The leadership team is responsible for strategic direction and capital allocation, while subsidiary management handles day-to-day operations. Specific leadership roles (CEO, CFO, etc.) and board members can be found on the company's investor relations website.
Top Products and Market Share
Key Offerings
- Commercial Specialty Insurance: Old Republic offers specialized insurance products for various commercial risks, often to underserved or niche markets. Market share data for specific niche products is not readily available in aggregate, but they are a significant player in areas like commercial auto and workers' compensation. Key competitors include The Travelers Companies (TRV), Chubb Limited (CB), and The Hartford (HIG).
- Residential Title Insurance: Provides title insurance policies and related services for real estate transactions. Old Republic is a significant player in this market, though specific market share can fluctuate. Major competitors include Fidelity National Financial (FNF) and First American Financial Corporation (FAF).
- Life Insurance and Annuities: Offers a range of life insurance products and annuity contracts. Market share in this broad category is highly fragmented. Competitors include Prudential Financial (PRU), MetLife (MET), and various other life insurance providers.
Market Dynamics
Industry Overview
Old Republic operates primarily in the insurance and financial services sectors. The insurance industry is mature, highly competitive, and influenced by economic cycles, interest rates, and regulatory changes. The title insurance sector is closely tied to the real estate market. The life and annuities sector is influenced by demographics, interest rate environments, and consumer savings trends.
Positioning
Old Republic's competitive advantage lies in its disciplined underwriting, conservative financial management, focus on niche markets, and a decentralized operational model that fosters entrepreneurialism within its subsidiaries. They often target less competitive segments of the market where their expertise and long-term relationships provide an edge.
Total Addressable Market (TAM)
The total addressable market for the insurance industry is vast, encompassing trillions of dollars globally across all lines of business. For Old Republic, the TAM for their specific segments (commercial specialty insurance, title insurance, life & annuities) is still substantial. Old Republic is well-positioned to capture a significant portion of its targeted niche markets within these broader TAMs due to its specialized focus and strong reputation.
Upturn SWOT Analysis
Strengths
- Strong financial strength and conservative balance sheet.
- Proven track record of profitable growth and underwriting discipline.
- Diversified business model across different insurance lines and geographies.
- Experienced management team with a long-term perspective.
- Focus on niche markets with less intense competition.
Weaknesses
- Slower growth compared to some more aggressive competitors in certain segments.
- Reliance on the real estate market for its title insurance business.
- Potential for slower adoption of new technologies compared to some fintech-driven competitors.
- Decentralized structure might lead to inefficiencies in some areas.
Opportunities
- Expansion into new specialty insurance niches.
- Leveraging technology to improve operational efficiency and customer experience.
- Growth in the retirement and aging population, increasing demand for annuities and life insurance.
- Acquisition opportunities in attractive market segments.
- Increased demand for specialized commercial insurance due to evolving business risks.
Threats
- Rising interest rates impacting investment income and bond valuations.
- Increased competition from traditional insurers and InsurTech startups.
- Economic downturns impacting demand for insurance products and real estate transactions.
- Catastrophic events and natural disasters impacting underwriting results.
- Regulatory changes affecting the insurance and financial services industries.
Competitors and Market Share
Key Competitors
- Fidelity National Financial, Inc. (FNF)
- First American Financial Corporation (FAF)
- The Travelers Companies, Inc. (TRV)
- Chubb Limited (CB)
- The Hartford Financial Services Group, Inc. (HIG)
- The Allstate Corporation (ALL)
Competitive Landscape
Old Republic holds a strong position in its specialized insurance niches but faces intense competition in broader insurance markets. Its competitive advantages include a conservative financial approach and deep expertise in its chosen segments, which allows it to underwrite risks that others may avoid. However, larger competitors often have greater resources for marketing and technological investment.
Growth Trajectory and Initiatives
Historical Growth: Old Republic has demonstrated consistent historical growth, driven by organic expansion within its core insurance segments and selective acquisitions. The company has a proven ability to adapt to market changes and maintain profitability.
Future Projections: Analyst projections for Old Republic's future growth are generally positive, anticipating continued stable growth in its established insurance lines. Future growth will likely be supported by its disciplined underwriting, strategic acquisitions, and continued focus on niche markets. Expected revenue and EPS growth are projected to be in the low to mid-single digits.
Recent Initiatives: Recent initiatives likely focus on optimizing operational efficiencies, expanding digital capabilities within its subsidiaries, and exploring strategic partnerships or acquisitions to further diversify its revenue streams and enhance its market position.
Summary
Old Republic International Corp is a financially strong and stable insurance holding company with a long history of prudent management and consistent profitability. Its diversified business model, particularly in specialty insurance and title insurance, provides resilience. The company's strengths lie in its underwriting discipline and focus on niche markets, while it needs to be watchful of increasing competition and potential economic downturns that could impact its core businesses. Continued focus on operational efficiency and strategic growth will be key.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Old Republic International Corp Investor Relations Website
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Financial Data Providers (e.g., Refinitiv, FactSet)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be made after consulting with a qualified financial advisor and conducting independent research.
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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