ORI

Old Republic International Corporation

Financial Services · USD

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38.52 USD +0.08 +0.21%
As of Oct 30, 2026 Extended hours 38.52 0.00%
Bid
38.51 × 200
Ask
38.54 × 200
38.40 Day range 38.93
36.66 52-week range 46.62
YTD
-15.60%
1 year
-2.03%
Open
38.99
Prev close
38.44
Mkt cap
9.30B
Vol
1.89M
Avg vol
1.49M
EPS
4.43
P/E
8.70
Div yield
3.28%
More statistics
Low
38.40
High
38.93
Forward P/E
12.16
Beta
0.59
Short ratio
6.21
Inst. own
78.67%
Dividend
1.26
Ex-div date
Sep 3, 2026
Earnings
Jan 28, 2027
50-d avg
39.71
200-d avg
40.45
1y target
43.50

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ORI five-day price chart37.337.838.238.739.2Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

0.92 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 11.9×
FY 2016: 10.6×FY 2017: 10.0×FY 2018: 16.3×FY 2019: 6.4×FY 2020: 10.5×FY 2021: 4.8×FY 2022: 10.6×FY 2023: 13.9×FY 2024: 11.0×FY 2025: 11.9×
FY 2016 5y median 11.0× FY 2025
P/S 1.2×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/B 1.9×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.3×FY 2024: 1.7×FY 2025: 1.9×
FY 2016 5y median 1.3× FY 2025
P/FCF 9.6×
FY 2016: 7.7×FY 2017: 12.4×FY 2018: 8.0×FY 2019: 7.2×FY 2020: 5.0×FY 2021: 5.7×FY 2022: 6.2×FY 2023: 9.4×FY 2024: 7.6×FY 2025: 9.6×
FY 2016 5y median 7.6× FY 2025
EV/EBITDA 10.1×
FY 2016: -4.8×FY 2017: -3.8×FY 2018: -5.2×FY 2019: 5.5×FY 2020: 8.9×FY 2021: 5.2×FY 2022: 9.2×FY 2023: 11.4×FY 2024: 9.4×FY 2025: 10.1×
FY 2016 5y median 9.4× FY 2025
EV/Sales 1.4×
FY 2016: -0.6×FY 2017: -0.5×FY 2018: -0.4×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.4×
FY 2016 5y median 1.3× FY 2025
FCF Yield 10.5%
FY 2016: 12.9%FY 2017: 8.1%FY 2018: 12.6%FY 2019: 14.0%FY 2020: 20.1%FY 2021: 17.7%FY 2022: 16.1%FY 2023: 10.6%FY 2024: 13.2%FY 2025: 10.5%
FY 2016 5y median 13.2% FY 2025

Profitability

Gross Margin 50.3%
FY 2016: 12.8%FY 2017: 12.9%FY 2018: 11.8%FY 2019: 21.9%FY 2020: 65.5%FY 2021: 74.3%FY 2022: 70.0%FY 2023: 64.5%FY 2024: 63.3%FY 2025: 50.3%
FY 2016 5y median 64.5% FY 2025
Operating Margin 13.0%
FY 2016: 11.6%FY 2017: 11.6%FY 2018: 7.0%FY 2019: 17.7%FY 2020: 9.6%FY 2021: 20.6%FY 2022: 10.6%FY 2023: 10.3%FY 2024: 13.0%FY 2025: 13.0%
FY 2016 5y median 13.0% FY 2025
Net Margin 10.3%
FY 2016: 7.9%FY 2017: 8.9%FY 2018: 5.9%FY 2019: 14.2%FY 2020: 7.8%FY 2021: 16.4%FY 2022: 8.5%FY 2023: 8.2%FY 2024: 10.4%FY 2025: 10.3%
FY 2016 5y median 10.3% FY 2025
ROE 15.8%
FY 2016: 10.4%FY 2017: 11.8%FY 2018: 7.2%FY 2019: 17.6%FY 2020: 9.0%FY 2021: 22.3%FY 2022: 11.1%FY 2023: 9.3%FY 2024: 15.2%FY 2025: 15.8%
FY 2016 5y median 15.2% FY 2025
ROIC 3.7%
FY 2016: -6.6%FY 2017: -8.3%FY 2018: 2.3%FY 2019: 265.9%FY 2020: 140.4%FY 2021: 6.9%FY 2022: 1.9%FY 2023: 2.6%FY 2024: 3.5%FY 2025: 3.7%
FY 2016 5y median 3.5% FY 2025
ROA 3.1%
FY 2016: 2.5%FY 2017: 2.9%FY 2018: 1.9%FY 2019: 5.0%FY 2020: 2.4%FY 2021: 6.1%FY 2022: 2.7%FY 2023: 2.3%FY 2024: 3.1%FY 2025: 3.1%
FY 2016 5y median 3.1% FY 2025

Growth (YoY)

Revenue 10.4%
FY 2016: 2.3%FY 2017: 6.1%FY 2018: -0.1%FY 2019: 19.2%FY 2020: -4.0%FY 2021: 30.4%FY 2022: -13.5%FY 2023: -10.2%FY 2024: 13.4%FY 2025: 10.4%
FY 2016 FY 2025
Operating Income 10.6%
FY 2016: 8.6%FY 2017: 5.7%FY 2018: -39.6%FY 2019: 201.9%FY 2020: -48.0%FY 2021: 179.3%FY 2022: -55.4%FY 2023: -12.8%FY 2024: 43.1%FY 2025: 10.6%
FY 2016 FY 2025
EPS (diluted) 15.1%
FY 2016: 9.5%FY 2017: 18.5%FY 2018: -35.9%FY 2019: 185.4%FY 2020: -46.7%FY 2021: 170.1%FY 2022: -55.2%FY 2023: -7.1%FY 2024: 54.3%FY 2025: 15.1%
FY 2016 FY 2025
Free Cash Flow -5.6%
FY 2016: -7.4%FY 2017: -29.0%FY 2018: 68.0%FY 2019: 23.1%FY 2020: 26.6%FY 2021: 10.7%FY 2022: -10.8%FY 2023: -24.8%FY 2024: 40.1%FY 2025: -5.6%
FY 2016 FY 2025

Financial Health

Current Ratio 3.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 4.2×FY 2022: 0.0×FY 2023: 6.3×FY 2024: 6.5×FY 2025: 3.4×
FY 2016 5y median 4.2× FY 2025
Quick Ratio 3.4×
FY 2016: 1.8×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 4.2×FY 2022: 0.0×FY 2023: 6.3×FY 2024: 6.5×FY 2025: 3.4×
FY 2016 5y median 4.2× FY 2025
Debt / Equity 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: -11.5×FY 2017: -10.7×FY 2018: -17.1×FY 2019: 0.6×FY 2020: 1.1×FY 2021: 1.5×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.5× FY 2025
Interest Coverage 16.9×
FY 2016: 13.7×FY 2017: 11.5×FY 2018: 10.4×FY 2019: 33.1×FY 2020: 15.7×FY 2021: 34.2×FY 2022: 12.9×FY 2023: 10.6×FY 2024: 13.8×FY 2025: 16.9×
FY 2016 5y median 13.8× FY 2025

Dividends

Dividend Yield 7.0%
FY 2016: 3.9%FY 2017: 3.5%FY 2018: 8.2%FY 2019: 8.0%FY 2020: 4.3%FY 2021: 13.7%FY 2022: 8.0%FY 2023: 3.3%FY 2024: 2.9%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
Payout Ratio 83.6%
FY 2016: 41.5%FY 2017: 35.5%FY 2018: 134.6%FY 2019: 51.0%FY 2020: 44.8%FY 2021: 66.4%FY 2022: 84.5%FY 2023: 46.0%FY 2024: 31.9%FY 2025: 83.6%
FY 2016 5y median 66.4% FY 2025

Annual · latest fiscal year ends 2025-12-31