Old Republic International Corporation (ORI) Stock: Price, Forecast & Analyst Target
Old Republic International Corporation (ORI) — MoonshotScore 84/100 (Exceptional band), calculated Oct 4, 2026. Price $38.06 (+1.52%), as of the Oct 2, 2026 trading session; market cap $9.27B. Expected results Oct 22, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 3.50× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 22, 2026
Old Republic International Corporation · ORI · NYSE · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-13: Old Republic combines specialty general insurance with title insurance tied to property transfers and loan transactions, while a mortgage-insurance book winds down in run-off. General insurance supplies the largest revenue base, but the case depends on whether underwriting profit, title activity and investment-backed liquidity can keep converting rising revenue into earnings and cash.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Old Republic International (ORI)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and durable growth, at a dirt-cheap price, though the balance sheet is only decent, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Compounding; Momentum: Slipping.
- quarterly revenue $2.50B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- Altman Z 1.16 · Piotroski F 7
Holding back: weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 86 | Exceptional | |
| 85 | Exceptional | |
| 84 | Exceptional | |
| 84 | Exceptional | |
| 83 | Exceptional | |
| 83 | Exceptional |
The score was 84 in the stored Oct 3, 2026 snapshot and remains 84 in the current publication computed Oct 4, 2026 (0).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $38.06 | |
| Change on the day | +1.52% | |
| 52-week range | $36.65 – $46.76 | |
| Market capitalisation | $9.27B | |
| Price / earnings (trailing) | 8.13 | |
| Shares traded on the day | 2.25M | |
| Beta (volatility vs the S&P 500) | 0.62 | |
| Dividends per share (last 12 months) | $3.74 | |
| Dividend yield (last 12 months) | 9.81% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Old Republic International (ORI): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 30, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the ORI film — every key number, told as a short cinematic story
~2 min · open the film
What is Old Republic International (ORI), and what does it report?
Short answer · as of
Old Republic sells commercial and specialty coverage to businesses, government agencies and institutions across transportation, construction, healthcare, manufacturing and financial services.
Research dated 2026-09-13.
Old Republic sells commercial and specialty coverage to businesses, government agencies and institutions across transportation, construction, healthcare, manufacturing and financial services. Its general insurance products span commercial vehicles, workers’ compensation, liability, warranties, aviation, surety and financial indemnity, making the business broader than a conventional property-and-casualty label suggests.
The reported top line also includes title policies for property owners and lenders, escrow and closing work, construction disbursement and real-estate information services. General insurance contributes the dominant segment revenue, title insurance remains substantial, and the run-off operation covers mortgage lenders and investors against residential borrower defaults.
What do the latest results show for Old Republic International (ORI)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $2.50B.
Research dated 2026-09-13.
Revenue reached the high point of the displayed quarterly series in the latest period, and operating profit advanced from the preceding period, while net income edged lower. The latest annual record also places revenue and net income above the prior year, so the broader direction remains expansion rather than uniform acceleration across every profit measure.
Recent reports have repeatedly cleared consensus revenue, yet reported earnings per share have fallen short across the latest stretch. Operating cash flow stayed positive but declined from the preceding period, reinforcing the distinction between sales growth, accounting profit and cash conversion.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $2.50B Jun 30, 2026
- Latest quarter · SG&A
- $1.17B Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $436.90M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $2.50B | Not available | $1.17B | $436.90M |
| Mar 31, 2026 | $2.40B | Not available | $0.00 | $413.40M |
| Dec 31, 2025 | $2.34B | Not available | $0.00 | $263.10M |
| Sep 30, 2025 | $2.42B | Not available | $0.00 | $352.70M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.50B Jul 23, 2026
- Latest report · revenue estimate
- $2.38B Jul 23, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 23, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 23, 2026 | $2.50B | $2.38B | $0.7600 | $0.7930 |
| Apr 23, 2026 | $2.40B | $2.27B | $0.6800 | $0.7930 |
| Jan 22, 2026 | $2.39B | $2.31B | $0.7400 | $0.8900 |
| Oct 23, 2025 | $2.42B | $2.28B | $1.1100 | $0.7610 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $2.50B | $323M | $1.31 (diluted) |
| Q1 FY2026 | $2.40B | $330M | $1.32 (diluted) |
| Q4 FY2025 | $2.34B | $207M | $0.83 (diluted) |
| Q3 FY2025 | $2.42B | $280M | $1.11 (diluted) |
What are the financial strengths and risks for Old Republic International (ORI)?
Short answer
Cash and short-term investments were $2.65B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $199.70M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash and short-term investments exceed total debt, while the broader investment pool is far larger; operating cash flow has also remained positive throughout the displayed history. Cash alone does not cover total liabilities, however, so the balance sheet depends heavily on invested assets rather than immediately available funds. The distress and quality screens also point in different directions, arguing against a blanket conclusion from either measure.
The operating risks follow the revenue mix. A deterioration in claims relative to pricing would hurt general insurance, weaker property transfers and loan transactions would pressure title insurance, and residential mortgage defaults remain relevant to the run-off book.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $199.70M Jun 30, 2026
- Previous quarter · operating cash flow
- $281.40M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $199.70M | Not available |
| Mar 31, 2026 | $281.40M | Not available |
| Dec 31, 2025 | $235.00M | Not available |
| Sep 30, 2025 | $563.80M | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Old Republic International (ORI)?
Short answer · as of
The next earnings report is expected on Oct 22, 2026.
Research dated 2026-09-13.
Consensus calls for revenue near the latest reported level and per-share earnings near the latest reported result. Watch whether revenue again clears expectations while the earnings shortfall persists; that pattern would keep the emphasis on profitability beneath the top line rather than demand alone.
Cash conversion deserves equal weight after operating cash flow retreated from the preceding period and remained well below its recent peak. General Insurance and Title Insurance should also be read separately because claims experience drives the former while property transfers and loan activity shape the latter. Recent filing activity includes a material definitive agreement, making any disclosed effect on leverage or liquidity worth tracking.
How does Old Republic International compare with its peers?
Short answer
Old Republic International's score ranks tied for 8th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Compared with a conventional property-and-casualty carrier, Old Republic adds meaningful exposure to property transfers through title policies and related closing services. Compared with a focused title insurer, it remains anchored by a much larger general insurance operation serving commercial and institutional customers.
The mortgage-insurance operation is a run-off book rather than a growth platform. This mix spreads revenue across underwriting, transaction services and legacy mortgage exposure, but it also leaves distinct pressure points: claims can impair general insurance while weak property activity can slow title demand.
| Company | Price | Market value | Score |
|---|---|---|---|
| $102.27 Oct 2, 2026 | $5.66B | 96 5-pillar Oct 4, 2026 | |
| $219.43 Oct 2, 2026 | $7.64B | 95 5-pillar Oct 4, 2026 | |
| $93.60 Oct 2, 2026 | $32.7B | 94 5-pillar Oct 4, 2026 | |
| $15.00 Oct 2, 2026 | $5.33B | 92 5-pillar Oct 4, 2026 | |
| $267.32 Oct 2, 2026 | $13.3B | 90 5-pillar Oct 4, 2026 | |
| $55.94 Oct 2, 2026 | $5.13B | 85 5-pillar Oct 4, 2026 | |
| $2020.93 Oct 2, 2026 | $5.01B | 85 5-pillar Oct 4, 2026 | |
| Old Republic International (ORI) — this page | $38.06 | $9.27B | 84 |
| $23.42 Oct 2, 2026 | $11.1B | 84 5-pillar Oct 4, 2026 | |
| $139.10 Oct 2, 2026 | $11.6B | 81 5-pillar Oct 4, 2026 | |
| $329.72 Oct 2, 2026 | $7.51B | 77 5-pillar Oct 4, 2026 | |
| $46.34 Oct 2, 2026 | $12.5B | 65 5-pillar Oct 4, 2026 | |
| $13.61 Oct 2, 2026 | $4.67B | 59 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $39.00 – $44.00
- Consensus target
- $41.50
- Median target
- $41.50
Consensus record · Captured .
Measured against a quoted price of $38.06 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026
- Transactions
- 27
- Identified insiders
- 4
- Purchases
- 1
- Sales
- 5
- Other transactions
- 21
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 80.5% Period end Jun 30, 2026
- Previous quarter · ownership
- 76.0% Prior to period end Jun 30, 2026
- Reporting holders
- 666 Period end Jun 30, 2026
- Previous quarter · holders
- 664 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 26,307,760 |
| Bank Of New York Mellon Corp | 12,015,139 |
| Vanguard Portfolio Management LLC | 11,598,362 |
| State Street Corp | 10,059,212 |
| Vanguard Capital Management LLC | 9,909,365 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
ORI Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does Old Republic’s Title Insurance Group differ from its General Insurance Segment?
Title Insurance issues policies for property owners and lenders and earns related service revenue from closings, escrow, construction disbursement and real-estate information. General Insurance writes a wider range of commercial and specialty risks for businesses, public agencies and institutions.
Why can Old Republic beat revenue expectations while missing earnings expectations?
Revenue captures premium and service volume, while per-share earnings also reflect the profitability produced beneath that top line. Recent releases show the split directly: revenue exceeded consensus as reported earnings fell short.
What remains inside Old Republic’s Republic Financial Indemnity Group run-off business?
The run-off operation contains private mortgage insurance that protects lenders and investors against losses from residential mortgage defaults. Its role is managing existing exposure rather than supplying the group’s main growth engine.
How did Old Republic’s unusually large dividend payment affect its trailing yield?
The trailing measure includes an unusually large payment alongside smaller recurring distributions. It therefore describes cash paid over the trailing window, not the recurring payment alone.
What is the ORI stock price today?
The last price recorded on this page for Old Republic International Corporation (ORI) is $38.06, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ORI price target?
The analyst consensus price target for Old Republic International Corporation (ORI) is $41.50 (range $39.00 to $44.00, median $41.50), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (76 figures)
The 76 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Chicago, IL | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "307 North Michigan Avenue, Chicago, IL, 60601, US". |
FMP — 65 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 22, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $38.06 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:04:47.759Z. | |
px.change | Change on the day | +1.52% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $9.27B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:03.000Z. Captured from FMP at 2026-10-04T21:04:46.469Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.57 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $2.50B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 8.13 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 2.25M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.62 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Craig Richard Smiddy | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 9,500 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $9.34B, net result $1.53B; FY2022 revenue $8.08B, net result $686.40M; FY2023 revenue $7.26B, net result $598.60M; FY2024 revenue $8.23B, net result $852.70M; FY2025 revenue $9.09B, net result $936.10M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Corporate & Other $9.40M · Title Insurance Group $2.59B · General Insurance Segment $5.18B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 51.9% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $2.50B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $1.17B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $436.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $2.40B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $413.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $2.34B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $263.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $2.42B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $352.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-23.revenue_actual | Revenue · reported — report date 2026-07-23 | $2.50B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.revenue_estimated | Revenue · estimate — report date 2026-07-23 | $2.38B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_actual | EPS · reported — report date 2026-07-23 | $0.7600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_estimated | EPS · estimate — report date 2026-07-23 | $0.7930 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $2.40B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $2.27B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $0.6800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $0.7930 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_actual | Revenue · reported — report date 2026-01-22 | $2.39B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_estimated | Revenue · estimate — report date 2026-01-22 | $2.31B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_actual | EPS · reported — report date 2026-01-22 | $0.7400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_estimated | EPS · estimate — report date 2026-01-22 | $0.8900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $2.42B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $2.28B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $1.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $0.7610 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.65B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $199.70M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $14.86B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $2.28B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.51× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $199.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $281.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $235.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $563.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $39.00 – $44.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $41.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $41.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 27 transactions · 1 purchases, 5 sales, 21 other transactions · 4 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 80.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 76.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 666 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 664 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 26,307,760 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Bank Of New York Mellon Corp — shares in provider snapshot | 12,015,139 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 11,598,362 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | State Street Corp — shares in provider snapshot | 10,059,212 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 9,909,365 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-24 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.16 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
px.range52 | 52-week range | $36.65 – $46.76 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 3.50× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.65B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $3.74 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 5 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-04, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 9.81% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-23.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.50B) with the recorded estimate ($2.38B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-23.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.7600) with the recorded estimate ($0.7930) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 84 of 100 · Exceptional · pillars 84 / 60 / 95 / 82 / 20 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 84 (stored snapshot Oct 3, 2026) → 84 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-23. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,earn.history.depth.2026-07-23.revenue_actual.comparison,earn.history.depth.2026-07-23.eps_actual.comparison,earn.history.depth.2026-07-23.eps_actual,earn.history.depth.2026-07-23.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-01-22.revenue_actual,earn.history.depth.2026-01-22.revenue_estimated,earn.history.depth.2026-01-22.eps_actual,earn.history.depth.2026-01-22.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Old Republic International Corporation (ORI), through its various subsidiary entities, specializes in insurance underwriting and related services, primarily conducting business in the United States and Canada. The company organizes its operations into three main divisions: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers an extensive array of insurance products, such as extended auto warranties, aviation coverage, commercial vehicle policies, multi-peril and property insurance for businesses, general liability, home warranties, inland marine, travel accident, and workers' compensation. It also provides financial indemnity solutions, including specialty coverages like errors and omissions, fidelity bonds, guaranteed asset protection, and surety bonds. This segment serves a wide range of clients, encompassing businesses, government agencies, and other institutions across industries like transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services. The Title Insurance segment issues both lenders' and owners' title insurance policies, protecting real estate purchasers and investors. These policies are based on meticulous searches of public records. Additionally, this segment offers escrow closing and construction disbursement services, provides real estate information products, national default management services, and various other essential services related to real estate transfers and loan transactions. Lastly, the Republic Financial Indemnity Group Run-off Business segment focuses on private mortgage insurance coverage. This product protects mortgage lenders and investors from losses arising from defaults on residential mortgage loans, primarily those granted to homebuyers. Founded in 1923, the corporation is headquartered in Chicago, Illinois. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Corporate & Other: $9.40M; Title Insurance Group: $2.59B; General Insurance Segment: $5.18B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $17.51B; Cash and short-term investments: $2.65B; Long-term investments: $14.86B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Legal name | OLD REPUBLIC INTERNATIONAL CORP Our market-data provider lists the name as "Old Republic International Corporation"; the filer's own record is used here. | 2026-02-26 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-26 |
| Ticker / exchange | ORI on NYSE | 2026-09-13 | OFFICIAL | SEC EDGAR filer record |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Property & Casualty The company's SEC filings classify it under SIC 6351 — Surety Insurance. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-23 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $2.28B; Liquidity basis: cash and short-term investments; Total liabilities: $25.50B; Cash and short-term investments: $2.65B; Cash and investments: $17.51B; Long-term investments: $14.86B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Trailing twelve-month ratio set | Debt to equity: 0.38; Net margin: 11.8%; Gross margin: 51.9%; Operating margin: 15.2%; Return on assets: 3.6%; Return on equity: 18.7% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 1.18; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-22; EPS estimate: $0.77 per share; Revenue estimate: $2.49B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Recent SEC filings |
| 2026-07-31 | OFFICIAL | SEC EDGAR filer submissions |
| Most recent periodic reports | Annual: Document: https://www.sec.gov/Archives/edgar/data/74260/000007426026000008/ori-20251231.htm, Filed: 2026-02-26, Period end: 2025-12-31; Quarterly: Document: https://www.sec.gov/Archives/edgar/data/74260/000007426026000092/ori-20260630.htm, Filed: 2026-07-31, Period end: 2026-06-30 | 2026-07-31 | OFFICIAL | SEC EDGAR filer submissions |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-09-04 | FMP | Financial Modeling Prep (FMP) dividend history |
| Next scheduled dividend | Ex date: 2026-09-04; Declared on: 2026-08-14; Record date: 2026-09-04; Payment date: 2026-09-15; Amount per share: $0.32 Amount is per share as declared, before any withholding. Owning the share before the ex-date is what carries entitlement. | 2026-08-14 | FMP | Financial Modeling Prep (FMP) dividend calendar |
| Dividends per share, last 12 months (split-adjusted) | $3.74 Sum of 5 split-adjusted declared dividends with an ex-date in the 365 days to 2026-09-13, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | 2026-09-04 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history |
| Dividend yield, last 12 months | 9.12% Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | 2026-09-11 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote |
Data provided for informational purposes only.
ETFs that hold ORI
Funds in our ETF coverage that list ORI among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| iShares MSCI USA Small-Cap Min Vol Factor ETF (SMMV) | 1.17% |