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Upturn AI SWOT - About
ORI 
Old Republic International Corp (ORI)
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Upturn Advisory Summary
08/14/2025: 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 $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 44 | 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.60B USD | Price to earnings Ratio 10.97 | 1Y Target Price 42 |
Price to earnings Ratio 10.97 | 1Y Target Price 42 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 31.35 - 39.53 | Updated Date 08/15/2025 |
52 Weeks Range 31.35 - 39.53 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.87% | Basic EPS (TTM) 3.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.81 | Actual 0.83 |
Profitability
Profit Margin 10.31% | Operating Margin (TTM) 12.59% |
Management Effectiveness
Return on Assets (TTM) 2.64% | Return on Equity (TTM) 14.69% |
Valuation
Trailing PE 10.97 | Forward PE - | Enterprise Value 11029363557 | Price to Sales(TTM) 1.11 |
Enterprise Value 11029363557 | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 1.27 | Enterprise Value to EBITDA - | Shares Outstanding 248470000 | Shares Floating 224245579 |
Shares Outstanding 248470000 | Shares Floating 224245579 | ||
Percent Insiders 7.69 | Percent Institutions 74.35 |
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 small businesses, it has grown into a diversified insurance holding company. Significant milestones include expanding into title insurance and acquiring various specialty insurance providers. The company has evolved to focus on specialized commercial and title insurance.
Core Business Areas
- General Insurance: Provides property and casualty insurance, with a focus on commercial lines. Includes coverages like workers' compensation, commercial auto, and general liability.
- Title Insurance: Offers title insurance policies and related services to protect against losses from defects in title to real property.
- Republic Financial Indemnity Group (RFIG): RFIG is in runoff status meaning they are not actively writing new insurance or reinsurance contracts.
Leadership and Structure
The leadership team includes Craig R. Smiddy (President and CEO). The organizational structure is that of a holding company with various subsidiaries operating in different insurance segments.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for commercial vehicles. Competitors include Travelers, Progressive, and Hartford Financial. Market share data is not precisely available, but Old Republic is a significant player in specialized commercial auto insurance, focusing on niche areas like trucking. Estimated revenue cannot be precisely determined.
- Title Insurance: Protects against losses from defects in title to real property. Competitors include Fidelity National Financial, First American Financial, and Stewart Information Services. Market share information is not readily available. Estimated revenue cannot be precisely determined.
- Workers' Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job. Competitors include Travelers, Hartford, and Liberty Mutual. Market share information and estimated revenue are not precisely available.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. It is subject to economic cycles and interest rate fluctuations. Demand is driven by factors such as economic growth, property values, and legal trends.
Positioning
Old Republic International Corp is positioned as a specialized commercial and title insurer. Its competitive advantages include its long-standing reputation, expertise in niche markets, and disciplined underwriting practices.
Total Addressable Market (TAM)
The TAM for commercial insurance is estimated to be in the hundreds of billions of dollars annually. Old Republic is positioned within specific segments of this market, targeting areas where it has specialized expertise. Estimated TAM varies greatly depending on the specific insurance product considered.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Experienced management team
- Disciplined underwriting
- Long-standing relationships with customers
Weaknesses
- Concentration in cyclical industries
- Exposure to large losses
- Dependence on reinsurance
- RFIG is in runoff
Opportunities
- Expansion into new markets
- Development of new products and services
- Acquisition of complementary businesses
- Increasing demand for specialized insurance
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Large catastrophic events
Competitors and Market Share
Key Competitors
- Travelers (TRV)
- Hartford Financial Services Group (HIG)
- Fidelity National Financial (FNF)
- First American Financial (FAF)
- Stewart Information Services (STC)
Competitive Landscape
Old Republicu2019s competitive advantage lies in its specialization and long-standing relationships. However, it faces competition from larger, more diversified insurers.
Major Acquisitions
Great West Casualty Company
- Year: 1997
- Acquisition Price (USD millions): 340
- Strategic Rationale: Expanded the company's presence in the trucking insurance market.
Growth Trajectory and Initiatives
Historical Growth: Old Republic International Corp's growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are subject to market conditions and analyst estimates. Consult analyst reports for current forecasts.
Recent Initiatives: Recent initiatives include focusing on core business segments and improving underwriting profitability.
Summary
Old Republic International Corp is a well-established insurance holding company with a focus on specialized commercial and title insurance. The company benefits from its disciplined underwriting and long-standing reputation. However, it is exposed to cyclical industries and large losses. Strategic expansion and adaptation to market conditions are vital for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Financial data providers
- Industry reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share information is estimated and may not be precise. Financial data should be verified with official sources.
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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