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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
10/23/2026: 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 record of stability and dividend reliability. Its core strength lies in its disciplined, specialized underwriting approach within the property, casualty, and title insurance sectors. The primary investment story centers on consistent performance and income generation rather than aggressive growth. However, investors must monitor risks related to the cyclical nature of the real estate market and potential claims from severe climate events. The stock is best suited for value and dividend-focused investors seeking a stable, long-term holding with a conservative financial profile.
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 focuses more on steady underwriting and dividends than rapid, high-growth expansion. |
| Momentum investor | Weak fit | The stock typically exhibits slow, steady movement rather than high-volatility momentum. |
| Value investor | Strong fit | ORI often trades at reasonable valuation multiples relative to its earnings and book value. |
| Dividend investor | Strong fit | It is widely recognized for its consistent, long-term dividend growth history. |
| Low-risk investor | Strong fit | The conservative, disciplined insurance business model provides a level of stability suitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market due to its stable, essential service nature. |
| Valuation risk | Low | ORI typically trades at prudent valuations that limit significant downside risk. |
| Competition risk (Insurance Market) | Medium | Persistent competition from larger, global insurers puts pressure on pricing power. |
| Business quality | Strong | The company has a long history of solid underwriting discipline and operational stability. |
| Dividend income | Strong | The company's commitment to consistent dividend payouts is a cornerstone of its investment appeal. |
| Execution risk | Medium | Maintaining underwriting discipline while navigating complex regulatory landscapes is key to long-term success. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -17.48% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 9.39B USD | Price to earnings Ratio 8.78 | 1Y Target Price 43.5 |
Price to earnings Ratio 8.78 | 1Y Target Price 43.5 | ||
Volume (30-day avg) 1.8M shares | Beta 0.59 | 52 Weeks Range 35.16 - 44.32 | Updated Date 10/25/2026 |
52 Weeks Range 35.16 - 44.32 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 4.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| General Insurance | Workers' compensation, commercial liability, and property coverage. | The company earns premiums from businesses to cover potential future losses. |
| Title Insurance | Title search and insurance services for real estate buyers. | Revenue is generated from fees paid during property transactions. |
| Investment Income | Earnings from the investment of insurance float. | The company invests the money it collects as premiums to generate additional profit. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 0.77 | Actual 0.73 |
Profitability
Profit Margin 11.34% | Operating Margin (TTM) 7.14% |
Management Effectiveness
Return on Assets (TTM) 2.68% | Return on Equity (TTM) 17.93% |
Valuation
Trailing PE 8.78 | Forward PE 11.43 | Enterprise Value 11.76B | Price to Sales(TTM) 0.97 |
Enterprise Value 11.76B | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 1.21 | Enterprise Value to EBITDA - | Shares Outstanding 241.43M | Shares Floating 222.01M |
Shares Outstanding 241.43M | Shares Floating 222.01M | ||
Percent Insiders 7.73 | Percent Institutions 78.71 |
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.
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