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Upturn AI SWOT - About
ORI 
Old Republic International Corp (ORI)
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Upturn Advisory Summary
06/30/2025: ORI (2-star) is currently NOT-A-BUY. Pass it for now.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $42
1 Year Target Price $42
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.8% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.50B USD | Price to earnings Ratio 12.52 | 1Y Target Price 42 |
Price to earnings Ratio 12.52 | 1Y Target Price 42 | ||
Volume (30-day avg) 3 | Beta 0.79 | 52 Weeks Range 27.34 - 39.53 | Updated Date 06/30/2025 |
52 Weeks Range 27.34 - 39.53 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 3.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.38% | Operating Margin (TTM) 15.41% |
Management Effectiveness
Return on Assets (TTM) 2.4% | Return on Equity (TTM) 12.67% |
Valuation
Trailing PE 12.52 | Forward PE - | Enterprise Value 10747076012 | Price to Sales(TTM) 1.14 |
Enterprise Value 10747076012 | Price to Sales(TTM) 1.14 | ||
Enterprise Value to Revenue 1.29 | Enterprise Value to EBITDA - | Shares Outstanding 247164000 | Shares Floating 223337245 |
Shares Outstanding 247164000 | Shares Floating 223337245 | ||
Percent Insiders 7.73 | Percent Institutions 72.47 |
Analyst Ratings
Rating 2 | Target Price 42 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Old Republic International Corp
Company Overview
History and Background
Old Republic International Corp was founded in 1935 and has grown to become one of the nationu2019s 50 largest publicly held insurance organizations. It provides title insurance, general liability, and specialty insurance coverages.
Core Business Areas
- General Insurance: This segment offers a variety of commercial insurance products, including workers' compensation, commercial auto, and general liability. It also provides aviation insurance, oil & gas, and trucking insurance.
- Title Insurance: This segment provides title insurance policies and related services for residential and commercial properties. It operates in most U.S. states.
- Republic Financial Indemnity Group (RFIG): This segment provides consumer credit indemnity insurance coverages.
Leadership and Structure
The leadership team consists of Craig R Smiddy (President and CEO), Karl D Mowry (Senior Vice President and Chief Financial Officer), and Carolyn M Monroe (Senior Vice President, General Counsel and Secretary). The organizational structure includes centralized corporate functions and decentralized operating units.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides liability and physical damage coverage for commercial vehicles. Competitors include Travelers, Hartford, and Progressive Commercial. Lacks specific market share data. General Insurance revenue was $4.66 billion in 2023.
- Title Insurance: Protects lenders and homeowners from financial loss due to defects in a property's title. Key competitors are Fidelity National Financial, First American Financial, and Stewart Information Services. Lacks specific market share data. Title Insurance revenue was $1.89 billion in 2023.
- Workers' Compensation Insurance: Coverage for businesses that have employees. Competitors include Hartford, Travelers, Chubb. Lacks specific market share data. General Insurance revenue was $4.66 billion in 2023.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory oversight. It's influenced by economic conditions, interest rates, and claims trends. The commercial insurance segment is affected by factors such as construction activity, transportation volume, and litigation trends. The title insurance segment is impacted by real estate market activity, including home sales and refinancing.
Positioning
Old Republic International Corp is a well-established player in the specialty insurance market, known for its strong financial position and conservative underwriting practices. Its competitive advantages include a diversified product portfolio and a long-standing reputation in the industry.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the U.S. is estimated to be over $800 billion. ORI is positioned to capture a portion of this TAM through its specialty insurance offerings. Exact Title insurance is difficult to define but the total market is around $15 billion. With around $2 billion, ORI is poised to capture a portion of this.
Upturn SWOT Analysis
Strengths
- Strong financial position
- Diversified product portfolio
- Conservative underwriting practices
- Long-standing reputation in the industry
- Strong Capital position
Weaknesses
- Sensitivity to economic cycles
- Dependence on real estate market activity (title insurance)
- Relatively smaller size compared to some competitors
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Acquisitions of smaller companies
Threats
- Increased competition
- Rising claims costs
- Regulatory changes
- Economic downturns
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- FNF
- FICO
- STC
Competitive Landscape
Old Republic International Corp competes with a mix of large national insurers and smaller regional players. Its competitive advantages include a strong brand reputation, conservative underwriting, and a diversified product portfolio. However, it faces challenges from larger competitors with greater scale and resources.
Major Acquisitions
Great West Casualty Company
- Year: 2001
- Acquisition Price (USD millions): 382
- Strategic Rationale: Expanded its presence in the trucking insurance market.
Growth Trajectory and Initiatives
Historical Growth: ORI has achieved steady growth over the past decade, driven by both organic expansion and strategic acquisitions.
Future Projections: Analysts expect ORI to continue to grow its revenue and earnings in the coming years, supported by favorable industry trends and effective management.
Recent Initiatives: Recent initiatives include expanding its presence in the commercial insurance market, investing in technology to improve claims processing, and selectively pursuing acquisitions to expand its product offerings.
Summary
Old Republic International Corp. is a financially stable company with a long history in the insurance industry. Its diversified product portfolio and conservative underwriting practices contribute to its strength. The company is sensitive to economic cycles, and the real estate market impacts its title insurance segment. Overall, ORI appears to be a solid company that should be poised for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K reports)
- Investor Presentations
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data are estimates and may not be precise. Financial data are subject to change and should be verified with official company reports.
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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