OLD REPUBLIC INTERNATIONAL CORP

ORI

OLD REPUBLIC INTERNATIONAL CORP

ORI

Insider Sentiment (TTM):

Last Purchase:2026-05-01Last Sale:2026-05-12Shares Purchased (TTM):3,935Shares Sold (TTM):37,182

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:174,682,265Shares Outstanding:242,913,821Institutional Ownership Pct.:71.91%

Earnings Market Reaction:

Filing Date:2026-05-01Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Surety Insurance

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Investments
Available For Sale Securi…
Available For Sale Securities Debt Securities	12,803	12,710	12,563	12,357	12,248	12,092	12,477	11,921	12,402	12,140	11,547	11,669
Equity Securities Fv Ni Current And Noncurrent	-	2,488	-	-	-	2,541	-	-	-	2,661	-	-
Equity Securities Fv Ni	2,528	-	2,710	2,568	2,593	-	2,668	2,463	2,550	-	2,686	3,080
Other Short Term Investments	1,045	1,614	1,453	1,215	1,036	1,404	1,318	1,605	1,338	1,033	1,146	853
Other Investments	18	28	28	29	12	43	41	34	34	34	34	34
Investments	16,394	16,839	16,753	16,170	15,889	16,079	16,504	16,023	16,325	15,868	15,413	15,637
Cash	202	263	243	178	264	202	525	169	137	203	152	96
Accrued Investment Income Receivable	130	141	126	132	123	128	124	129	128	117	117	108
Premiums And Other Receivables Net	2,783	2,782	2,963	2,974	2,655	2,472	2,640	2,626	2,304	2,201	2,356	2,334
Income Tax Receivable	-	-	23	4	0	14	38	35	0	22	17	23
Deferred Income Tax Assets Net	-	-	-	-	-	-	-	-	-	-	9	-
Funds Held Under Reinsurance Agreements Asset	403	405	388	389	374	423	479	517	538	545	548	340
Reinsurance Recoverables On Paid Losses	225	210	208	192	196	185	215	202	187	175	140	135
Deferred Policy Acquisition Costs	659	636	612	589	556	531	505	457	436	418	419	407
Other Assets	1,082	1,056	1,065	1,087	1,034	1,094	1,025	984	1,006	982	1,047	917
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	0	0	0	192	195	-	-
Assets	29,596	29,863	30,252	29,256	28,028	27,843	28,844	27,525	27,064	26,501	26,401	25,850
Liabilities
Liability For Claims And Claims Adjustment Expense	14,955	14,776	14,815	14,356	13,951	13,728	13,538	12,958	12,570	12,538	12,811	12,405
Unearned Premiums	4,100	3,983	4,153	4,019	3,659	3,505	3,679	3,554	3,170	3,043	3,234	3,149
Accounts Payable And Accrued Liabilities Current A…	553	602	552	500	487	548	510	457	496	533	487	426
Taxes Payable Current	-	-	-	-	29	-	-	-	45	-	-	-
Deferred Income Tax Liabilities Net	211	219	226	191	175	129	214	88	94	106	0	47
Debt And Capital Lease Obligations	1,590	1,590	1,590	1,589	1,589	1,589	1,988	1,988	1,988	1,591	1,591	1,591
Other Liabilities	645	1,159	589	580	558	1,142	698	627	637	692	745	627
Liabilities	23,671	23,934	23,813	23,052	22,085	22,224	22,398	21,499	20,663	20,091	20,485	19,731
Stockholders Equity
Liabilities Of Disposal Group Including Discontinu…	-	-	-	-	-	0	0	0	54	57	-	-
Preferred Stock Value Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	243	246	247	248	248	249	254	258	272	278	280	285
Additional Paid In Capital Common Stock	0	23	23	32	0	0	0	105	501	679	727	832
Retained Earnings Accumulated Deficit	5,652	5,515	6,038	5,854	5,721	5,520	6,135	5,912	5,889	5,644	5,521	5,536
Accumulated Other Comprehensive Income Loss Net Of…	48	163	152	92	11	-102	106	-197	-205	-132	-551	-469
Treasury Stock Value	0	0	0	0	-19	0	-	-	-	-	-	-
Stockholders Equity	5,925	5,928	6,439	6,204	5,944	5,619	6,445	6,027	6,401	6,411	5,916	6,120
Minority Interest	13	14	16	18	26	0	-	-	-	-	-	-
Liabilities And Stockholders Equity	29,596	29,863	30,252	29,256	28,028	27,843	28,844	27,525	27,064	26,501	26,401	25,850
Available For Sale Debt Securities Amortized Cost …	12,715	12,479	12,336	12,211	12,193	12,176	12,293	12,118	12,611	12,263	12,185	12,207
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	75	75	75	75	75	75	75	75	75	75	75	75
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	500	500	500	500	500	500	500	500	500	500	500	500
Common Stock Shares Issued	243	246	247	248	248	249	254	258	272	278	280	285
Treasury Stock Common Shares	0	-	0	0	1	-	-	-	-	-	-	-

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.23%	-0.61%	8.51%	-	-	-	-	-	-	-	-	-
2025	-1.84%	-1.41%	-2.73%	11.19%	11.70%	16.36%	16.14%	16.10%	16.19%	-10.52%	0.45%	-7.20%
2024	2.87%	1.31%	5.17%	1.76%	2.76%	5.90%	11.88%	5.34%	11.38%	0.25%	0.76%	2.41%
2023	-2.75%	-3.94%	5.22%	-0.80%	-2.53%	-2.53%	2.80%	4.92%	7.25%	3.10%	3.45%	11.96%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Efficiency & Turnover
Days Sales Outstanding TTM	105.34	104.95	116.87	117.93	108.65	103.60	111.60	119.29	105.01	103.82	106.06	106.06
Receivables Turnover TTM	3.47	3.48	3.12	3.10	3.36	3.52	3.27	3.06	3.48	3.52	3.44	3.44
Per Share Metrics
Diluted EPS TTM	4.11	3.75	3.32	3.56	3.13	3.24	3.65	2.45	2.60	2.10	3.29	2.69
Free Cash Flow Per Share TTM	5.00	4.75	5.26	4.91	5.35	4.78	4.59	3.95	3.25	3.11	3.12	3.55
Dividend Per Share TTM	3.74	3.19	3.17	3.15	3.15	1.05	1.09	1.05	1.01	0.97	1.00	2.04
Margin Metrics
Gross Profit Margin TTM	63.65%	63.21%	62.97%	63.11%	62.76%	63.26%	63.95%	63.19%	64.41%	64.45%	68.24%	68.51%
Operating Profit Margin TTM	10.89%	10.08%	10.52%	11.48%	10.18%	11.41%	11.49%	7.59%	8.78%	7.03%	6.66%	4.28%
Net Profit Margin TTM	10.89%	10.31%	9.55%	10.32%	9.39%	10.36%	11.48%	8.59%	9.52%	8.25%	12.00%	10.17%
Growth Metrics
Net Revenue Growth (1Y)	13.11%	10.99%	7.08%	14.20%	10.83%	13.41%	6.62%	-0.46%	-1.58%	-10.21%	-9.41%	-12.87%
Net Income Growth (1Y)	31.16%	10.46%	-10.96%	37.27%	9.31%	42.45%	1.99%	-15.95%	23.38%	-12.79%	14.75%	-21.03%
EPS Growth (1Y)	31.62%	16.28%	-8.65%	46.23%	21.84%	56.09%	12.27%	-8.01%	32.56%	-6.95%	25.78%	-15.95%
Valuation Metrics
P/E TTM	9.37	11.05	11.52	9.65	11.13	9.34	8.05	10.40	9.73	11.47	6.65	7.52
P/B TTM	1.63	1.76	1.50	1.40	1.46	1.42	1.17	1.12	1.09	1.07	1.03	0.95
P/S TTM	1.02	1.14	1.10	1.00	1.04	0.97	0.92	0.89	0.93	0.95	0.80	0.77
Market Cap	9.61B	10.41B	9.63B	8.63B	8.70B	7.97B	7.55B	6.78B	6.96B	6.87B	6.11B	5.83B
Enterprise Value	9.41B	10.14B	9.38B	8.46B	8.44B	7.76B	7.03B	6.61B	6.82B	6.67B	5.96B	5.74B
Calculated Values
Free Cash Flow TTM	1.21B	1.16B	1.29B	1.20B	1.30B	1.23B	1.16B	1.03B	884.20M	880.40M	864.20M	1.01B
Net Debt	-202.10M	-263.20M	-242.50M	-178.10M	-263.70M	-201.90M	-525.20M	-169.20M	-136.90M	-202.80M	-152.10M	-96.30M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-12Sale

Owner: Monroe, Carolyn

Title: SVP - Title Insurance

Shares: 13,330

Price/Share: $38.76

Value: $516,670.80

Shares Owned: 32,261

Relationship: Officer

Ownership: Direct

2026-05-01Purchase

Owner: Risch, Therace

Title: -

Shares: 300

Price/Share: $39.90

Value: $11,970.00

Shares Owned: 12,843

Relationship: Director

Ownership: Direct

2026-03-02Purchase

Owner: Smith, John Eric

Title: -

Shares: 1,135

Price/Share: $43.10

Value: $48,918.50

Shares Owned: 4,276

Relationship: Director

Ownership: Direct

2026-02-02Sale

Owner: Monroe, Carolyn

Title: SVP - Title Insurance

Shares: 5,526

Price/Share: $39.28

Value: $217,061.28

Shares Owned: 27,875

Relationship: Officer

Ownership: Direct

2025-11-14Sale

Owner: Monroe, Carolyn

Title: SVP - Title Insurance

Shares: 6,680

Price/Share: $44.54

Value: $297,527.20

Shares Owned: 29,075

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-12	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	13,330	38.76	$516,670.80	32,261	4
2026-05-01	Risch, Therace	Director	-	Direct	Purchase	300	39.90	$11,970.00	12,843	4
2026-03-02	Smith, John Eric	Director	-	Direct	Purchase	1,135	43.10	$48,918.50	4,276	4
2026-02-02	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	5,526	39.28	$217,061.28	27,875	4
2025-11-14	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	6,680	44.54	$297,527.20	29,075	4
2025-11-03	Risch, Therace	Director	-	Direct	Purchase	1,000	39.12	$39,120.00	10,625	4
2025-09-02	Risch, Therace	Director	-	Direct	Purchase	1,500	39.90	$59,850.00	9,625	4
2025-08-21	Oberst, Stephen J	Officer	Executive Vice President	Direct	Sale	4,797	39.29	$188,474.13	54,661	4
2025-07-31	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	6,849	36.52	$250,125.48	35,755	4
2025-05-01	Lange, Jeffrey	Officer	SVPUnderwriting & Distribution	Direct	Sale	8,117	37.41	$303,656.97	26,355	4
2025-05-01	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	10,601	37.38	$396,265.38	35,755	4
2025-03-11	Dare, Thomas	Officer	SrVP Secretary General Counsel	Direct	Sale	27,457	36.50	$1,002,180.50	46,556	4
2025-03-03	Smiddy, Craig R	Director,Officer	President & CEO	Direct	Sale	5,296	38.61	$204,478.56	138,222	4
2025-03-03	Sodaro, Frank Joseph	Officer	Sr. VP. & CFO	Direct	Sale	3,104	38.84	$120,559.36	43,884	4
2025-02-04	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	9,188	36.35	$333,983.80	33,556	4
2025-01-31	Lange, Jeffrey	Officer	SVPUnderwriting & Distribution	Direct	Sale	1,098	36.56	$40,142.88	34,679	4
2024-12-16	Kovaleski, Charles J	Director	-	Direct	Purchase	109	37.46	$4,076.77	15,493	4
2024-09-16	Kovaleski, Charles J	Director	-	Direct	Purchase	114	35.43	$4,046.81	15,384	4
2024-06-14	Kovaleski, Charles J	Director	-	Direct	Purchase	135	29.66	$4,010.03	15,270	4
2024-06-03	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	4,503	31.28	$140,853.84	33,556	4
2024-05-06	Dare, Thomas	Officer	SrVP Secretary General Counsel	Direct	Sale	1,292	30.95	$39,987.40	47,764	4
2024-05-01	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	3,377	30.04	$101,445.08	33,556	4
2024-05-01	Adachi, Barbara	Director	-	Direct	Purchase	442	30.24	$13,366.08	8,287	4
2024-04-30	Risch, Therace	Director	-	Direct	Purchase	6,086	29.77	$181,180.22	6,086	4
2024-02-16	Adachi, Barbara	Director	-	Direct	Purchase	1,925	28.60	$55,055.00	7,845	4
2024-02-02	Monroe, Carolyn	Officer	SVP - Title Insurance	Direct	Sale	6,528	27.72	$180,956.16	0	4
2023-12-15	Kovaleski, Charles J	Director	-	Direct	Purchase	125	29.20	$3,644.74	15,003	4
2023-09-15	Kovaleski, Charles J	Director	-	Direct	Purchase	132	27.35	$3,612.39	14,878	4
2023-08-02	Adachi, Barbara	Director	-	Direct	Purchase	3,620	27.64	$100,056.80	5,920	4
2023-08-01	Oberst, Stephen J	Officer	Executive Vice President	Direct	Sale	26,500	27.68	$733,520.00	68,574	4
2023-06-15	Kovaleski, Charles J	Director	-	Direct	Purchase	143	24.95	$3,577.83	14,746	4
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Institutional Ownership

No data available for chart

2026-03-31

71.91%

Inst. Shares: 174,682,265

Shares Outstanding: 242,913,821

2025-12-31

72.91%

Inst. Shares: 178,719,500

Shares Outstanding: 245,121,426

2025-09-30

68.96%

Inst. Shares: 169,163,552

Shares Outstanding: 245,291,737

2025-06-30

70.33%

Inst. Shares: 172,160,915

Shares Outstanding: 244,801,566

2025-03-31

67.93%

Inst. Shares: 165,595,636

Shares Outstanding: 243,772,711

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	174,682,265	242,913,821	71.91%
2025-12-31	178,719,500	245,121,426	72.91%
2025-09-30	169,163,552	245,291,737	68.96%
2025-06-30	172,160,915	244,801,566	70.33%
2025-03-31	165,595,636	243,772,711	67.93%
2024-12-31	167,957,951	258,032,085	65.09%
2024-09-30	165,650,067	251,640,055	65.83%
2024-06-30	172,736,315	260,796,757	66.23%
2024-03-31	176,929,019	271,725,775	65.11%
2023-12-31	183,959,923	282,732,526	65.07%
2023-09-30	182,677,491	277,010,690	65.95%
2023-06-30	190,181,488	285,426,801	66.63%
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OLD REPUBLIC INTERNATIONAL CORP (ORI) — SEC Financial Statements & Analysis

OLD REPUBLIC INTERNATIONAL CORP (ORI) is a surety insurance company, incorporated in DE. OLD REPUBLIC INTERNATIONAL CORP trades on NYSE as: ORI. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), OLD REPUBLIC INTERNATIONAL CORP reported a 13.11% year-over-year revenue growth, a Gross Profit Margin of 63.65% (TTM), a Price-to-Sales (P/S) ratio of 1.02x (TTM), a Price-to-Book (P/B) ratio of 1.63 (TTM), at a market cap of $9.61B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 13.11%
Gross Profit Margin TTM: 63.65%
P/S TTM: 1.02x
P/B TTM: 1.63
Market Cap: $9.61B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OLD REPUBLIC INTERNATIONAL CORP in?

OLD REPUBLIC INTERNATIONAL CORP (ORI) operates in the Surety Insurance industry.

What is ORI's market cap?

OLD REPUBLIC INTERNATIONAL CORP (ORI) has a market capitalization of $9.61B as of 2026-03-31.

What is ORI's P/E ratio?

OLD REPUBLIC INTERNATIONAL CORP (ORI)'s trailing twelve month P/E ratio is 9.37x as of 2026-03-31.

What exchange does ORI trade on?

OLD REPUBLIC INTERNATIONAL CORP (ORI) trades on the NYSE.

Where is OLD REPUBLIC INTERNATIONAL CORP incorporated?

OLD REPUBLIC INTERNATIONAL CORP is incorporated in DE.

OLD REPUBLIC INTERNATIONAL CORP (ORI) — SEC Financial Statements & Analysis

Frequently Asked Questions

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