ORI

Company Overview — What Does OLD REPUBLIC INTERNATIONAL CORP Do?

Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. The company operates through three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers automobile extended warranty, aviation, commercial automobile, commercial multi-peril, commercial property, general liability, home warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, guaranteed asset protection, and surety. This segment provides its insurance products to businesses, government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders' and owners' title insurance policies to real estate purchasers and investors based upon searches of the public records. This segment also provides escrow closing and construction disbursement services; and real estate information products, national default management services, and various other services pertaining to real estate transfers and loan transactions. The Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. The company was founded in 1923 and is based in Chicago, Illinois. OLD REPUBLIC INTERNATIONAL CORP (ORI) is classified as a mid-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Craig R. Smiddy and employs approximately 9,500 people, headquartered in CHICAGO, Illinois. With a market capitalization of $9.7B, ORI is one of the notable companies in the Financials sector.

OLD REPUBLIC INTERNATIONAL CORP (ORI) Stock Rating — Hold (April 2026)

As of April 2026, OLD REPUBLIC INTERNATIONAL CORP receives a Hold rating with a composite score of 54.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.ORI ranks #1,044 out of 4,446 stocks in our coverage universe. Within the Financials sector, OLD REPUBLIC INTERNATIONAL CORP ranks among stocks, placing it in the top 10% of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

ORI Stock Price and 52-Week Range

OLD REPUBLIC INTERNATIONAL CORP (ORI) currently trades at $40.86. The stock lost $0.73 (1.8%) in the most recent trading session. Recent trading volume was 801K shares, suggesting relatively thin trading activity.

Is ORI Overvalued or Undervalued? — Valuation Analysis

OLD REPUBLIC INTERNATIONAL CORP (ORI) carries a value factor score of 75/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 10.57x, compared to the Financials sector average of 14.88x — a discount of 29%. The price-to-book ratio stands at 1.64x, versus the sector average of 1.22x. The price-to-sales ratio is 0.27x, compared to 0.90x for the average Financials stock. On an enterprise value basis, ORI trades at 2.06x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, OLD REPUBLIC INTERNATIONAL CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

OLD REPUBLIC INTERNATIONAL CORP Profitability — ROE, Margins, and Quality Score

OLD REPUBLIC INTERNATIONAL CORP (ORI) earns a quality factor score of 67/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 18.1%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 3.6% versus the sector average of 1.2%.

On a margin basis, OLD REPUBLIC INTERNATIONAL CORP reports gross margins of 0.0%. The operating margin is 14.8% (sector: 21.8%). Net profit margin stands at 11.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 29.5% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

ORI Debt, Balance Sheet, and Financial Health

OLD REPUBLIC INTERNATIONAL CORP has a debt-to-equity ratio of 404.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns.

ORI has a beta of 0.39, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for OLD REPUBLIC INTERNATIONAL CORP is 87/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

ORI Dividend Yield and Income Analysis

OLD REPUBLIC INTERNATIONAL CORP (ORI) currently pays a dividend yield of 7.4%. At this yield, a $10,000 investment in ORI stock would generate approximately $$738.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning ORI offers above-average income for its sector. The net margin of 11.8% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

ORI Momentum and Technical Analysis Profile

OLD REPUBLIC INTERNATIONAL CORP (ORI) has a momentum factor score of 41/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 15/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

ORI vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, OLD REPUBLIC INTERNATIONAL CORP (ORI) ranks #— out of 891 stocks based on the Blank Capital composite score. This places ORI in the top decile of all Financials stocks in our coverage universe.

Comparing ORI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ORI vs S&P 500 (SPY) comparison to assess how OLD REPUBLIC INTERNATIONAL CORP stacks up against the broader market across all factor dimensions.

ORI Next Earnings Date

No upcoming earnings date has been announced for OLD REPUBLIC INTERNATIONAL CORP (ORI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy ORI? — Investment Thesis Summary

OLD REPUBLIC INTERNATIONAL CORP presents a balanced picture with arguments on both sides. The quality score of 67/100 indicates above-average profitability and business fundamentals. The value score of 75/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 87/100) reduces downside risk.

In summary, OLD REPUBLIC INTERNATIONAL CORP (ORI) earns a Hold rating with a composite score of 54.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ORI stock.

Related Resources for ORI Investors

Explore more research and tools: ORI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained.