ORI
Financial ServicesOld Republic International Corporation · Insurance - Diversified · $10B
What is Old Republic International Corporation?
Old Republic International Corporation is a Chicago-based insurance holding company operating primarily across the United States and Canada. It underwrites a broad range of commercial, title, and specialty insurance products through a diversified portfolio of subsidiaries.
Old Republic generates revenue through three main segments: General Insurance, Title Insurance, and a run-off business. The General Insurance segment serves businesses and institutions across industries such as transportation, healthcare, and construction with commercial and specialty coverage. The Title Insurance segment supports real estate transactions by offering lenders' and owners' title policies, escrow services, and related real estate information products. Together, these segments create a diversified insurance platform with exposure to both commercial cycles and real estate market activity.
Old Republic International was established in 1980 and is headquartered in Chicago, Illinois.
- Commercial and specialty liability insurance for businesses and institutions
- Workers' compensation and commercial automobile coverage
- Lenders' and owners' title insurance policies
- Escrow closing and construction disbursement services
- Errors and omissions, surety, and financial indemnity products
Is ORI a Good Stock to Buy?
UQS Score rates ORI as Good overall, reflecting a balanced profile with meaningful strengths and some areas of concern.
The Quality and Risk pillars both register as Good, suggesting the business maintains a relatively stable financial foundation and manages downside exposure reasonably well compared to sector peers. The Valuation pillar is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals — a notable characteristic in the financial services sector.
Both the Moat and Growth pillars are rated Weak, indicating limited competitive differentiation and below-average growth momentum — factors worth weighing for investors focused on long-term compounding.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ORI pay dividends?
Yes — Old Republic International Corporation pays a dividend.
Old Republic International pays a regular dividend, consistent with its long-standing capital return philosophy. Insurance holding companies of this type often prioritize steady income distribution given their relatively predictable underwriting cash flows. ORI's dividend history is one of the more recognized aspects of its investor appeal in the financial services space.
When does ORI report earnings?
Old Republic International reports earnings on a quarterly cadence, typical for US-listed financial services companies.
Results across quarters reflect the interplay between underwriting performance in General Insurance and real estate market conditions affecting Title Insurance volumes. Risk management has remained a relative strength in the company's reported profile.
For the most recent quarter's results and upcoming reporting dates, visit Old Republic International's investor relations page directly.
ORI Price History
+140.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Old Republic International Corporation?
Based on Old Republic International Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
ORI Long-term Outlook
The fundamental outlook for ORI is shaped by its Good Risk profile and Attractive Valuation, which together suggest a degree of downside resilience. However, the Weak Growth pillar indicates the company is not positioned as a high-expansion story — organic revenue acceleration may remain limited relative to faster-growing peers. Title Insurance volumes are sensitive to real estate market cycles, adding variability to near-term results.
Growth drivers
- Steady commercial insurance demand across transportation, healthcare, and construction sectors
- Potential recovery in real estate transaction volumes benefiting Title Insurance
- Disciplined underwriting supporting consistent cash generation
Key risks
- Real estate market slowdowns reducing Title Insurance activity
- Limited competitive moat increasing pricing pressure in core segments
- Macroeconomic sensitivity affecting commercial insurance loss ratios
ORI vs Peers
Old Republic International operates in a competitive financial services landscape alongside diversified insurance and financial holding companies.
Equitable Holdings focuses on retirement and wealth management solutions, giving it a different revenue mix weighted toward asset accumulation rather than property and casualty underwriting.
Aegon is a global insurance and asset management group with significant European operations, offering broader international diversification compared to ORI's primarily North American footprint.
Power Corporation is a Canadian-based diversified holding company with interests spanning insurance, asset management, and sustainable investing, operating across multiple geographies.
Frequently Asked Questions
What does Old Republic International do?
Old Republic International is an insurance holding company that underwrites commercial, specialty, and title insurance products. It serves businesses, government entities, and real estate market participants primarily across the United States and Canada through three operating segments.
Does ORI pay dividends?
Yes, Old Republic International pays a regular dividend. The company has a well-established history of returning capital to shareholders through dividends, which is a characteristic often associated with mature, cash-generative insurance businesses.
When does ORI report earnings?
Old Republic International reports earnings on a quarterly cadence, consistent with US-listed financial services companies. For exact dates and the most recent results, check the investor relations section of Old Republic's official website.
Is ORI a good stock to buy?
UQS Score rates ORI as Good overall. The Valuation pillar is Attractive and the Risk pillar is Good, which may appeal to income-oriented investors. However, the Weak Moat and Growth pillars are worth considering. The full pillar breakdown is available to Pro members.
Is ORI overvalued?
Based on the UQS Valuation pillar, ORI is rated Attractive — meaning the stock does not appear overpriced relative to its fundamentals. This places it favorably among large-cap financial services peers on a valuation basis, though no investment decision should rest on valuation alone.
How does ORI compare to its competitors?
ORI's diversified insurance model — spanning commercial lines and title insurance — differs from peers like Equitable Holdings, which leans toward retirement and wealth management, and Aegon, which has a broader international presence. Each company carries a distinct business mix and risk profile.
What is ORI's market cap bracket?
Old Republic International is classified as a large-cap company. This places it among the more established and widely followed names in the financial services sector, typically associated with greater liquidity and institutional coverage.
Who founded Old Republic International?
Old Republic International's founding history is publicly documented and available through the company's official disclosures and investor relations materials. The company has been operating in its current corporate form since 1980, headquartered in Chicago.
Is ORI a long-term quality investment?
From a long-term quality perspective, ORI's Good Quality and Risk pillar ratings suggest a relatively stable business foundation. The Weak Growth and Moat ratings, however, indicate limited expansion potential and competitive differentiation — factors that matter for long-term compounding. Pro members can view the complete analysis.
What is the main competitive advantage of Old Republic International?
ORI's UQS Moat pillar is rated Weak, suggesting limited structural competitive advantages relative to peers. Its diversification across General Insurance and Title Insurance does provide some revenue stability, but the company does not score strongly on durable competitive differentiation by UQS criteria.
What sector does ORI belong to?
Old Republic International belongs to the Financial Services sector. Within that sector, it operates as a diversified insurance holding company, with exposure to commercial insurance underwriting and real estate-linked title insurance services.
Is ORI a growth stock or value stock?
Based on UQS pillar labels, ORI leans toward the value side of the spectrum. The Valuation pillar is Attractive and the Growth pillar is Weak, which together suggest the stock is priced modestly but is not expected to deliver high-growth outcomes in the near term.
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Pro Analysis
ORI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 18, 2026 | 54.2 | 65.4 | 37.0 | 28.8 | 63.6 | 88.9 | -0.2 |
| May 12, 2026 | 54.4 | 65.4 | 37.0 | 28.8 | 63.6 | 89.6 | +1.1 |
| May 7, 2026 | 53.3 | 62.6 | 37.0 | 28.8 | 63.6 | 87.0 | +0.1 |
| May 3, 2026 | 53.2 | 62.6 | 37.0 | 28.8 | 63.6 | 86.5 | +0.2 |
| May 2, 2026 | 53.0 | 62.6 | 37.0 | 28.8 | 63.6 | 85.5 | -0.5 |
| Apr 26, 2026 | 53.5 | 62.6 | 37.0 | 30.5 | 63.6 | 86.4 | +0.1 |
| Apr 20, 2026 | 53.4 | 62.6 | 37.0 | 30.8 | 63.6 | 85.4 | -0.1 |
| Apr 19, 2026 | 53.5 | 62.6 | 37.0 | 30.9 | 63.6 | 85.6 | -0.1 |
| Apr 18, 2026 | 53.6 | 62.6 | 37.0 | 30.9 | 63.6 | 86.6 | -0.8 |
| Apr 14, 2026 | 54.4 | 62.6 | 37.0 | 30.9 | 63.6 | 91.5 | -0.1 |
ORI — Pillar Breakdown
Quality
— 65.4/100 (25%)Old Republic International Corporation shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 29.1/100 (20%)Old Republic International Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 63.6/100 (15%)Old Republic International Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 90.0/100 (15%)Old Republic International Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)Old Republic International Corporation possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ORI.
Score Composition
Financial Data
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How is the ORI UQS Score Calculated?
The UQS (Unified Quality Score) for Old Republic International Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Old Republic International Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Old Republic International Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.