Underwrites a wide range of insurance products including general liability, workers' compensation, and commercial property insurance. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
No real growth (-1% a year).
The market pays 10.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 95% of them.
Analysts' average target sits 1% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
This grade is a blend: the profit side is strong, the sales tempo slow.
The price is looking for direction — no strong breakout, no collapse.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.
It pays out $3.74 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 1% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
On our five-subject report card, ORI sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: ORI is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.