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Upturn AI Summary - About
Old Republic International Corp(ORI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ORI
09/24/2026: ORI (1-star) is currently NOT-A-BUY. Pass it for now.
Old Republic International is a diversified insurance holding company known for its long-standing stability and status as a reliable income generator. The company focuses on specialty property and casualty insurance and title insurance, maintaining a disciplined approach that has supported decades of consecutive dividend increases. Its primary growth opportunity lies in leveraging rising interest rates to bolster investment income alongside steady insurance operations. However, the company faces risks from competitive pressures in commercial markets and the cyclical nature of the title insurance business. This stock best suits dividend-focused, value-oriented investors who prioritize steady income and long-term capital preservation over rapid market growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company emphasizes stability and income over rapid capital appreciation. |
| Momentum investor | Mixed fit | The stock tends to be a steady performer rather than a high-volatility momentum play. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to earnings. |
| Dividend investor | Strong fit | It has an exceptional long-term record of consistent and growing dividend payments. |
| Low-risk investor | Strong fit | The conservative underwriting and balanced portfolio offer a defensive profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market. |
| Valuation risk | Low | Current pricing generally reflects stable, long-term earnings expectations. |
| Competition risk (Insurance) | Medium | Pricing pressure in commercial insurance remains a constant competitive challenge. |
| Business quality | Strong | The company has maintained a durable and profitable business model for decades. |
| Dividend income | Strong | The company is a highly reliable source of dividend income. |
| Execution risk | Medium | Management must consistently balance risk exposure with underwriting profitability. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -13.07% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.16B USD | Price to earnings Ratio 8.32 | 1Y Target Price 43.5 |
Price to earnings Ratio 8.32 | 1Y Target Price 43.5 | ||
Volume (30-day avg) 1.2M shares | Beta 0.61 | 52 Weeks Range 35.16 - 44.32 | Updated Date 09/24/2026 |
52 Weeks Range 35.16 - 44.32 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 3.16% | Basic EPS (TTM) 4.56 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| General Insurance | Commercial P&C coverage including workers' compensation and specialty liability. | The company collects premiums and invests the float while managing claims. |
| Title Insurance | Title services and insurance for real estate transactions. | This segment fluctuates with real estate market activity and mortgage originations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 8.32 | Forward PE 11.43 | Enterprise Value 11.10B | Price to Sales(TTM) 0.94 |
Enterprise Value 11.10B | Price to Sales(TTM) 0.94 | ||
Enterprise Value to Revenue 1.21 | Enterprise Value to EBITDA - | Shares Outstanding 241.43M | Shares Floating 221.13M |
Shares Outstanding 241.43M | Shares Floating 221.13M | ||
Percent Insiders 7.73 | Percent Institutions 78.95 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Old Republic International Corp
Exchange NYSE | Headquarters 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 9500 | Website https://www.oldrepublic.com |
Full time employees 9500 | Website https://www.oldrepublic.com | ||
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 trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment insures against losses arising out of defects, liens and encumbrances affecting the insured title to real estate purchasers and investors. 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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