Old Republic International Corporation Common Stock (ORI)

FairStock Score: 74/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 16.3% above cost of capital
• Conservative balance sheet with debt-to-equity of just 0.30, providing financial flexibility
• Revenue growth of 19.3% demonstrates strong top-line momentum
• Attractive 3.0% dividend yield providing steady income returns
• FairStock composite score of 74/100 places it in the top tier across value, quality, and momentum factors

Concerns

• Altman Z-Score of 0.6 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Old Republic International Corporation Common Stock is a mid-cap financial services company valued at $10.1 billion. The business generates $9.1 billion in annual revenue with a 3.6% net margin. From a quality standpoint, Old shows distressed Altman Z-Score of 0.6 warrants caution and adequate 16% ROE. On valuation, the stock is attractively valued at 10.7x earnings, with a modest 8% margin of safety vs Graham Number. Growth dynamics show revenue growing at 19.3% and profit growth of 96.4%. The 3.0% dividend yield adds an income component for patient holders. Our composite FairStock Score of 74/100 reflects above-average fundamentals overall. This combination of reasonable valuation, solid returns, and conservative leverage makes it worth a closer look for value-oriented portfolios.

Bull Case

Old's 19% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer