Old Republic International ORI
United StatesFinancial Services · Insurance - Property & CasualtyUSD
43.50 USD (+15.4%)
2 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
Old Republic International is a diversified property and casualty (P&C) insurer in the United States, offering commercial, automobile, title, and guarantee insurance, generating revenue from premiums and investment income.
Key points
from its scores- ✓Strong growth8.4
- ✓Favourable backdrop8.1
- ✓Attractive valuation7.5
- ✕Poor share-price trend4.9
AI analysis
bottom line, main risk, context and newsFundamentals are solid and valuation is attractive, although weak momentum suggests patience.
Old Republic shows solid financial health (ROE 18.57%) and an attractive valuation (P/E 8.29, P/B adjusted 0.80), with earnings growth of 61.70% and a sustainable dividend yield of 3.34%. Momentum is weak (10th percentile in 52 weeks), but fundamentals are robust.
The main risk is exposure to catastrophic losses and reserve volatility in the P&C business, which can affect profitability in a changing interest rate environment.
Context and risks
No relevant recent news. The macro context of rising rates in the US has a limited effect on Old Republic: its property and casualty insurance business generates stable cash flow and its debt is moderate, so no material direct impact on its valuation or solvency is identified.
Is Old Republic International stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 30% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 8.3 | 13.7 | −40% |
| EV / EBITDA | 5.6 | 10.1 | −44% |
| Price / book | 1.5 | 1.9 | −20% |
| Price / sales | 0.9 | 3.5 | −73% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 7.5 out of 10 (median for Financial Services: 5.2).
Average analyst target: 43.50 USD, +15.4% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 7.0 (sector 5.5), Growth 8.4 (sector 6.9).
Classic formulas with standard assumptions (0.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 8.3
- Forward P/E
- 11.4
- EV / EBITDA
- 5.6
- Price / book
- 1.5
- Price / sales
- 0.9
- PEG
- 1.39
- Market cap
- 9.1B USD
- Enterprise value
- 8.7B USD
Profitability
- ROE
- 18.6%
- ROA
- 3.1%
- ROIC (approx.)
- 20.2%
- Gross margin
- 63.9%
- Operating margin
- 17.4%
- Net margin
- 11.7%
- Free cash flow
- 1.4B USD
- FCF yield
- 15.6%
- Cash conversion
- 91%
Solvency
- Total debt
- 2.3B USD
- Net debt
- −366.8M USD
- Cash
- 2.7B USD
- EBITDA
- 1.6B USD
- Net debt / EBITDA
- −0.24
- Debt / equity
- 37.52
- Current ratio
- 0.29
- Quick ratio
- 0.26
Growth
- Revenue growth
- +13.4%
- Earnings growth
- +61.7%
- EPS (TTM)
- 4.55 USD
- EPS (forward)
- 3.30 USD
Dividend
- Dividend yield
- 3.3%
- Payout
- 26.6%
Risk and market
- Beta
- 0.59
- Analyst consensus
- none (2)
- Target price
- 43.50 USD
- 52-week range
- 36.65 – 46.76
Recent news
All ORI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Old Republic International
Is Old Republic International stock cheap or expensive?
On P/E and Price / book, it trades 30% below the Financial Services median on average. Valuation score: 7.5 out of 10 (median for Financial Services: 5.2). Average analyst target: 43.50 USD, +15.4% versus the price. This is not investment advice.
What score does Old Republic International get on MeridIAn Screener?
It scores 7.1 out of 10, rank 177 of 2,130 (better than 91% of the companies analysed). Its strongest category is Growth (8.4) and its weakest, Momentum (4.9). Analysis of 08/10/2026.
What is Old Republic International's P/E ratio?
Its P/E is 8.3: the share price equals 8.3 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.4.
How much is Old Republic International worth on the stock market?
Its market capitalisation is 9.1B USD.
Does Old Republic International pay a dividend?
Yes: its dividend yield is 3.34% and it pays out 27% of its earnings.
How has Old Republic International stock performed over the last year?
It has fallen 4.8% over the last year, excluding dividends. Over the last 52 weeks it has traded between 36.65 and 46.76 USD. Past performance does not guarantee future results.
What do analysts think of Old Republic International?
2 analysts cover it; their average recommendation is “none” and their average target is 43.50 USD (+15.4% versus the price). It is an estimate, not market data.