Stocks · Financial Services · Insurance - Property & Casualty
Old Republic International Corporation ORI
$38.06 +1.52% Close, Oct 2, 2026 · NYSE · Market cap $9.27B
Weak trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.57, up 29.5% year over year.
- Revenue over the last four quarters was $9.67B, up 11.6% from a year earlier.
- Over the past year the stock returned -11.0%, behind the S&P 500 by 26.1 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth34Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 36%
- EPS growth (TTM, YoY)Top 36%
- FCF growth (TTM, YoY)Bottom 40%
- Revenue growth, 3-year CAGRBottom 14%
- Revenue growth accelerationBottom 44%
Quality54Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 36%
- Gross marginBottom 24%
- Operating marginBottom 34%
- Cash conversion (OCF / net income)Bottom 47%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Top 49%
- Interest coverTop 8%
Value95Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 10%
- Free-cash-flow yieldTop 21%
- EBITDA / enterprise valueTop 15%
- Sales / enterprise valueTop 13%
- P/E vs own 5-year history (lower is better)Top 22%
Momentum18Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 25%
- 6-month returnBottom 13%
- 1-year return vs S&P 500Bottom 21%
- Distance from 52-week highBottom 27%
- Trend checklist (0–4)Bottom 27%
Revisions9Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 39%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 14%
- Upside to consensus price targetBottom 30%
Stability70Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 44%
- Maximum drawdown, 3 yearsTop 28%
- Beta vs S&P 500 (lower is better)Top 27%
- Net debt / EBITDA (lower is better)Top 49%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.5% | 11.6% | ↓ |
| EPS growth (YoY) | 32.6% | 29.5% | ↓ |
| Gross margin | 63.1% | 51.9% | ↓ |
| Operating margin | 13.0% | 15.2% | ↑ |
| FCF margin | 13.9% | 13.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.6% | 12.5% | ↓ | Top 36% |
| EPS growth (TTM, YoY) | 29.5% | 32.6% | ↓ | Top 36% |
| Gross margin | 51.9% | 63.1% | ↓ | Bottom 24% |
| Operating margin | 15.2% | 13.0% | ↑ | Bottom 34% |
| Net margin | 11.8% | 10.3% | ↑ | — |
| Free-cash-flow margin | 13.2% | 13.9% | ↓ | — |
| Return on invested capital | 3.7% | — | Top 36% | |
| Revenue growth, 3-year CAGR | 4.0% | — | Bottom 14% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.12×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -79.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.24×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 18.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 9.84%
- Net buyback yield (TTM)
- 3.39%
- Shareholder yield
- 13.23%
- Share count change, 1 year
- -1.4%
- Share count change, 3-year CAGR
- -5.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +2.6%
- Average 2-day reaction, last 8
- -2.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $41.50
- Target vs current price
- +9.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 20%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -4.2% | -0.7% | +7.2% | +0.7% | — |
| Apr 23, 2026 | -14.2% | -5.2% | -5.6% | -5.3% | +0.3% |
| Jan 22, 2026 | -16.9% | -9.3% | -9.4% | -3.7% | -1.3% |
| Oct 23, 2025 | +45.9% | -3.0% | -8.5% | +7.0% | +2.5% |
| Jul 24, 2025 | +5.1% | -2.4% | -1.0% | +7.3% | +11.7% |
| Apr 24, 2025 | +9.5% | +1.2% | -1.0% | -1.0% | -4.0% |
| Jan 23, 2025 | +26.8% | +1.6% | +2.9% | +1.9% | +5.8% |
| Oct 24, 2024 | -2.3% | -2.4% | -1.4% | +5.4% | -0.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.76 | $0.79 | -4.2% | $2.50B |
| Apr 23, 2026 | $0.68 | $0.79 | -14.2% | $2.40B |
| Jan 22, 2026 | $0.74 | $0.89 | -16.9% | $2.39B |
| Oct 23, 2025 | $1.11 | $0.76 | +45.9% | $2.42B |
| Jul 24, 2025 | $0.83 | $0.79 | +5.1% | $2.21B |
| Apr 24, 2025 | $0.81 | $0.74 | +9.5% | $2.11B |
| Jan 23, 2025 | $0.90 | $0.71 | +26.8% | $2.00B |
| Oct 24, 2024 | $0.71 | $0.73 | -2.3% | $2.34B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.3× | 10.2× | 24th | Top 10% |
| P/E (forward) | 12.8× | — | — | — |
| EV / EBITDA | 7.4× | — | — | Top 15% |
| EV / Sales | 1.15× | — | — | Top 13% |
| Free-cash-flow yield | 13.81% | — | — | Top 21% |
| Earnings yield | 12.01% | — | — | Top 10% |
P/E over the past five years
Range 4.7× – 14.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -11.0%
- Earnings per share growth (TTM)
- +29.5%
- Change in P/E multiple
- -7.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.9%
- 200-day average slope (20 days)
- -1.3%
- Distance from 50-day average
- -8.0%
- Distance from 200-day average
- -7.2%
- RSI (14)
- 33.1
- Relative volume
- 1.47×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.5%
- Volatility vs own 5-year history
- 32th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.36
- Correlation with S&P 500
- 0.22
- Current drawdown from 1-year high
- -18.4%
- Maximum drawdown, 3 years
- -21.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2022 | Sep 26, 2022 | -24.1% | 152 days | 208 days (Jul 26, 2023) |
| Dec 24, 2025 | Jun 1, 2026 | -21.4% | 107 days | Not yet recovered |
| Jun 8, 2021 | Sep 20, 2021 | -15.2% | 72 days | 98 days (Feb 8, 2022) |
| Nov 27, 2024 | Jan 10, 2025 | -14.2% | 28 days | 52 days (Mar 27, 2025) |
| Oct 14, 2025 | Oct 29, 2025 | -11.7% | 11 days | 12 days (Nov 14, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $9.27B
- P/E (TTM)
- 8.3
- EPS, diluted (TTM)
- $4.57
- Revenue (TTM)
- $9.67B
- Dividend yield
- 9.81%
- 52-week range
- $36.65 – $46.76
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $9.34B | $8.08B | $7.26B | $8.23B | $9.09B |
| Gross profit | $6.94B | $5.66B | $4.68B | $5.21B | $4.58B |
| Operating income | $1.92B | $857.1M | $747.3M | $1.07B | $1.18B |
| Net income | $1.53B | $686.4M | $598.6M | $852.7M | $936.1M |
| EPS (diluted) | $5.05 | $2.26 | $2.10 | $3.24 | $3.73 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.34B | $2.00B | $2.11B | $2.21B | $2.42B | $2.34B | $2.40B | $2.50B |
| Net income | $338.9M | $105.1M | $245.0M | $204.4M | $279.5M | $207.2M | $330.0M | $322.5M |
| EPS (diluted) | $1.32 | $0.42 | $0.98 | $0.81 | $1.11 | $0.83 | $1.32 | $1.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.31B | $1.17B | $880.4M | $1.23B | $1.16B |
| Capital expenditure | $0 | $0 | $0 | -$1.8M | $0 |
| Free cash flow | $1.31B | $1.17B | $880.4M | $1.23B | $1.16B |
| Dividends paid | -$1.02B | -$579.7M | -$275.5M | -$271.9M | -$782.6M |
| Net share buybacks | $60.0M | -$254.6M | -$504.2M | -$940.2M | -$120.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.65B
- Total assets
- $31.59B
- Total liabilities
- $25.50B
- Total debt
- $2.28B
- Net debt
- $1.87B
- Shareholders’ equity
- $6.07B
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.32 | Sep 15, 2026 |
| Jun 5, 2026 | $0.32 | Jun 15, 2026 |
| Mar 9, 2026 | $0.32 | Mar 19, 2026 |
| Jan 2, 2026 | $2.50 | Jan 14, 2026 |
| Dec 5, 2025 | $0.29 | Dec 15, 2025 |
| Sep 5, 2025 | $0.29 | Sep 15, 2025 |
| Jun 6, 2025 | $0.29 | Jun 16, 2025 |
| Mar 10, 2025 | $0.29 | Mar 20, 2025 |
Short interest
- Shares sold short
- 10,505,008
- Days to cover
- 9.05
- Change vs previous report
- +5.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 3, 2006
- 5-for-4
- Dec 31, 2003
- 3-for-2
- May 5, 1998
- 3-for-2
- May 1, 1996
- 3-for-2
- May 1, 1992
- 2-for-1