Old Republic International Corp ORI Stock Analysis
- NYSE
- Stock
- Market closed · opens Monday 9:30 AM ET
$39.61 down $0.78, 1.93% at close Nov 6
Last close · Previous close $40.39
- Market cap
- $9.56BAt the Nov 6 close
- P/E ratio
- 8.94On last 12 months’ EPS
- Diluted EPS
- $4.43Last 12 months
- Dividend yield
- 9.43%Last 12 months
Price chart
$39.61down $0.78, 1.93%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$40.39Nov 5
- Volume1.67MNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume2.05MLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $36.65 to $46.76; now $39.61
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
ORI beat the S&P 500 in 3 of 7 periods.
| Period | ORI and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | ORI: up 4.2% S&P 500: down 5.6% | ORI beat the S&P 500 by 9.8 percentage points Beat |
| 3M | ORI: down 8.1% S&P 500: down 4.1% | ORI trailed the S&P 500 by 4.0 percentage points Trailed |
| YTD | ORI: down 6.0% S&P 500: up 8.7% | ORI trailed the S&P 500 by 14.7 percentage points Trailed |
| 1Y | ORI: up 6.2% S&P 500: up 10.9% | ORI trailed the S&P 500 by 4.7 percentage points Trailed |
| Long term | ||
| 3Y | ORI: up 74.0% S&P 500: up 75.0% +20.3% vs +20.5% a year | ORI trailed the S&P 500 by 1.0 percentage points Trailed |
| 5Y | ORI: up 112.7% S&P 500: up 67.8% +16.3% vs +10.9% a year | ORI beat the S&P 500 by 44.9 percentage points Beat |
| 10Y | ORI: up 392.3% S&P 500: up 313.1% +17.3% vs +15.2% a year | ORI beat the S&P 500 by 79.2 percentage points Beat |
$10,000 invested in ORI 10 years ago (Nov 4, 2016) would be worth about $49,230 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
ORI beat the S&P 500 in 1 of 7 periods.
| Period | ORI and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | ORI: up 4.2% S&P 500: down 5.6% | ORI beat the S&P 500 by 9.8 percentage points Beat |
| 3M | ORI: down 8.8% S&P 500: down 4.3% | ORI trailed the S&P 500 by 4.5 percentage points Trailed |
| YTD | ORI: down 13.2% S&P 500: up 7.8% | ORI trailed the S&P 500 by 21.0 percentage points Trailed |
| 1Y | ORI: down 2.6% S&P 500: up 9.7% | ORI trailed the S&P 500 by 12.3 percentage points Trailed |
| Long term | ||
| 3Y | ORI: up 41.6% S&P 500: up 68.8% +12.3% vs +19.1% a year | ORI trailed the S&P 500 by 27.2 percentage points Trailed |
| 5Y | ORI: up 53.5% S&P 500: up 56.9% +9.0% vs +9.4% a year | ORI trailed the S&P 500 by 3.4 percentage points Trailed |
| 10Y | ORI: up 137.5% S&P 500: up 252.6% +9.0% vs +13.4% a year | ORI trailed the S&P 500 by 115.1 percentage points Trailed |
$10,000 invested in ORI 10 years ago (Nov 4, 2016) would be worth about $23,747 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$46.62
Closing high on . Now 15.0% below that record.
Split-adjusted daily closes since Mar 26, 1990.
Stock splits
5
Latest: 5-for-4 on . One share bought before the first split is 8 shares today.
All 5 splits
- 5-for-4
- 3-for-2
- 3-for-2
- 3-for-2
- 2-for-1
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Sep 30, 2026). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
8.9×The Nov 6 close ÷ diluted EPS over the last 12 months ($4.43)
The range covers daily P/E ratios from Oct 28, 2021 to Nov 6, 2026, each based on the previous 12 months of earnings.
ORI trades at 8.9× its earnings over the last 12 months, below its 5-year median of 10.3×. In plain terms, buyers are paying about $9 for each $1 of profit from the past year. How to read P/E
Other valuation measures
- 1.0×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 1.6×Book value as of Sep 30, 2026
Price relative to accounting equity (book value) per share on the Sep 30, 2026 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 7.6×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - 0.27Last 12 months’ EPS growth
The P/E divided by the growth in diluted EPS over the last 12 months (+33.0% on the 12 months before). It looks backward: near 1 means the P/E roughly matches last year’s growth. Sites that use analysts’ growth forecasts show a different PEG.
PEG = P/E ÷ EPS growth (%) = 8.9 ÷ 33.0 - 11.98%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $10.98BAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Sep 30, 2026 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own ORI DCF in Excel. Value Old Republic International with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q3 FY26, the quarter ended Sep 30, 2026. “Last 12 months” means the four quarters from Oct 1, 2025 to Sep 30, 2026, and balance-sheet figures are as of Sep 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $9.84Bup 12.5%
- Net income
- $1.10Bup 32.1%
- Diluted EPS
- $4.43up 33.0%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q4 FY24 (Dec 31, 2024) | $2.00B | $105.10M | $0.43 |
| Q1 FY25 (Mar 31, 2025) | $2.11B | $245.00M | $0.98 |
| Q2 FY25 (Jun 30, 2025) | $2.21B | $204.40M | $0.81 |
| Q3 FY25 (Sep 30, 2025) | $2.42B | $279.50M | $1.11 |
| Q4 FY25 (Dec 31, 2025) | $2.39B | $206.40M | $0.81 |
| Q1 FY26 (Mar 31, 2026) | $2.40B | $330.00M | $1.32 |
| Q2 FY26 (Jun 30, 2026) | $2.50B | $322.30M | $1.31 |
| Q3 FY26 (Sep 30, 2026) | $2.55B | $243.20M | $0.99 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $9.34B | $1.53B | $5.05 |
| FY22 (Dec 31, 2022) | $8.08B | $686.40M | $2.26 |
| FY23 (Dec 31, 2023) | $7.26B | $598.60M | $2.10 |
| FY24 (Dec 31, 2024) | $8.23B | $852.70M | $3.24 |
| FY25 (Dec 31, 2025) | $9.14B | $935.40M | $3.72 |
Margins
- Gross 63.5%
- Operating 14.7%
- Net 11.2%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $1.15BLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$1.15BLast 12 months
- Capital spending$0.00Last 12 months
- 11.6%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $360.00MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$916.60MLast 12 months
- Total returned$1.28BLast 12 months
111% of free cash flow
Balance sheet
- Not reportedAs of Sep 30, 2026
Cash plus short- and long-term marketable securities on the Sep 30, 2026 balance sheet.
- Total debt$1.75BAs of Sep 30, 2026
- 0.30As of Sep 30, 2026
Total debt divided by shareholders’ equity on the Sep 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 18.5%Last 12 months
Over the last 12 months, Old Republic International’s net income was 18.5% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 3.6%Last 12 months
Over the last 12 months, Old Republic International’s net income was 3.6% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.75 |
| 2017 | $0.76 |
| 2018 | $1.78 |
| 2019 | $1.80 |
| 2020 | $0.84 |
| 2021 | $3.38 |
| 2022 | $1.92 |
| 2023 | $0.98 |
| 2024 | $1.06 |
| 2025 | $3.16 |
| 2026 (to date) | $3.45 |
Dividend details
- $3.74Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- 9.43%; 5-yr low 2.08%, 5-yr high 15.69%Last 12 months
Dividends paid over the last 12 months as a share of the Nov 6 close. The bar shows where that yield sits in its range over the past five years; the median was 8.05%.
- $0.32Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyQuarterly5 payments in the last 12 months
- up 6.7% a yearFull years 2020–2025
The compound annual growth rate of the full-year dividend per share from 2020 to 2025.
- 2 yearsThrough 2025
How many calendar years in a row the full-year amount has risen, through 2025.
- 84.3%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About Old Republic International Corp
Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. The companys General Insurance Group segment offers automobile extended warranty, aviation, commercial automobile, commercial multi-peril, general liability, home warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, directors and officers, fidelity, guaranteed asset protection, and surety. This segment offers its insurance products for businesses, government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale, forest products, energy, general manufacturing, and financial services industries. The companys Title Insurance Group segment provides lenders' and owners' title insurance policies to real estate purchasers and investors based upon searches of the public records. This segment also offers escrow closing and construction disbursement services; and real estate information products, national default management services, and services pertaining to real estate transfers and loan transactions. The Republic Financial Indemnity Group provides private mortgage insurance coverage for default related losses on residential mortgage loans made primarily to homebuyers. This segment is also involved in the consumer credit indemnity run-off business. It serves mortgage lenders and investors. The company was founded in 1887 and is based in Chicago, Illinois.
- Sector
- Financial Services
- Industry
- Insurance - Diversified
- Headquarters
- Illinois, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- NYSE
- Asset type
- Common stock
- Price history since
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ORI stock FAQ
What is ORI stock’s price today?
Old Republic International (ORI) traded at $39.61 at the close on , down $0.78 (1.93%) from the previous close of $40.39. Over the past 52 weeks it has traded between $36.65 and $46.76.
If you invested $1,000 in ORI 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in ORI on would be worth about $4,923 at the close on , a total return of +392.3%. The same $1,000 would be worth $2,127 if invested five years ago, $1,062 if invested one year ago, $6,274 if invested 20 years ago, and $20,577 if invested 30 years ago. Past performance doesn’t predict future returns.
What is Old Republic International’s market cap?
Old Republic International’s market capitalization is about $9.6 billion. That’s Tiingo’s daily market cap for , at that day’s closing price of $39.61 (how market cap works). Old Republic International reported 241.43M shares outstanding at the end of its latest quarter ().
What is ORI’s P/E ratio?
ORI trades at 8.9 times its diluted earnings over the four quarters to ($4.43 per share), at the close. Over the past five years its P/E has ranged from 4.8 to 15.0, with a median of 10.3. (How the P/E ratio works.)
How much revenue does Old Republic International make?
Old Republic International reported $9.8 billion of revenue over the four quarters to , up 12.5% from the twelve months before. In its latest quarter (Q3 FY26, ended ) revenue was $2.6 billion, up 5.2% from a year earlier.
Is Old Republic International profitable?
Yes. Old Republic International earned $1.1 billion of net income over the four quarters to , a net margin of 11.2%, and its operating margin was 14.7% (what margins tell you).
What are ORI’s earnings per share?
ORI’s diluted earnings per share were $4.43 over the four quarters to , compared with $3.33 in the twelve months before. The latest quarter (Q3 FY26) brought $0.99 per share, against $1.11 a year earlier (how EPS works).
Does ORI pay a dividend?
Yes. Old Republic International pays a quarterly dividend. The most recent was $0.32 per share, with an ex-dividend date of . Over the last twelve months it paid $3.74 per share, a 9.43% yield at the close (how dividend yield works).
Based on the last 12 months’ payments ($3.74 per share), and if the next 12 months match the last 12, 100 shares would receive about $374 over 12 months, and $1,000 over 12 months would take about 268 shares, roughly $10,615 at the close. Dividends can change.
What is ORI’s 52-week high and low?
Over the past 52 weeks ORI has traded as low as $36.65 and as high as $46.76. At $39.61 at the close on , it is 15.3% below that high and 8.1% above the low.
What is ORI’s all-time high?
ORI’s highest closing price was $46.62 on , adjusted for stock splits. At $39.61 at the close on , it is 15.0% below that record.
Has ORI stock ever split?
Yes, five times: 2-for-1 on ; 3-for-2 on ; 3-for-2 on ; 3-for-2 on ; 5-for-4 on . One share bought before the first split would be 8 shares today.
How has ORI stock performed?
Including dividends and measured to the close on , ORI has returned −6.0% so far this year and +6.2% over the past year, and +112.7% over five years (+16.3% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Old Republic International in?
Old Republic International is in the Financial Services sector and the Insurance - Diversified industry, and is headquartered in Illinois, USA.
What exchange does ORI trade on?
Old Republic International trades on the NYSE under the ticker symbol ORI. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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