Old Republic International Corporation Common Stock (ORI)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for insurance companies that combine disciplined underwriting with a conservative balance sheet and a price that assumes little. Old Republic fits parts of that mold. It writes specialty property-and-casualty and title insurance, a business with cyclical underwriting but recurring demand. In fiscal 2025, ended 2025-12-31, revenue was $9.1B, net income $935.4M, and diluted EPS $3.72, up from $8.2B, $852.7M, and $3.24 in fiscal 2024. In fiscal Q2 2026, ended 2026-06-30, revenue was $2.5B, net income $322.3M, and diluted EPS $1.31. At the close on 2026-10-13, the shares were $38.15, so FairStock's calculations put the P/E at 8.37, P/B at 1.51, ROE at 18.57%, and PEG at 0.24. Debt-to-equity of 0.38 looks manageable, and the 3.15% dividend yield with a 0.61 beta suggests a steady, less market-sensitive holding. The Lynch category is STALWART, with 5-year profit growth of 10.9% and revenue growth of 5.0%. The caveat is quality: FairStock's Piotroski F-score is only 3/9, and insurance-specific metrics like a combined ratio, CET1, or NIM are not in the data. I would want to see underwriting discipline and book value growth before trusting the low multiple. A low beta and decent yield do not remove underwriting risk; they only soften the ride. The price looks modestly cheap, but not without risk.

In plain English: Old Republic International sells insurance, mainly specialty property-and-casualty coverage and title insurance, in the U.S. and Canada. The business is profitable and uses only modest debt compared with its shareholders' money, and it earned more in fiscal 2025 than in fiscal 2024. At $38.15 on 2026-10-13, the shares look inexpensive against its profits and net assets, but insurance risks and some weak quality signals mean it is not a slam dunk.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer