# Old Republic International Corporation (ORI) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $38.78, market value $9.3 billion.

## Valuation
- **P/E (trailing): 8.8×** (5-yr avg 8.9×, 3-yr avg 10.8×). Old Republic International Corporation trades at 8.8× trailing earnings, close to its own five-year average of 8.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.2×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.83**. A PEG of 0.83 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.9×**. Each dollar of revenue is priced at 0.9×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 11.4%**. The inverse of the P/E: 11.4% of the price is earned each year.

## Profitability
- **Net margin: 10.2%**. 10.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.8%**. 15.8% on shareholders' equity is solid.
- **Return on assets: 3.7%**. Each dollar of assets produces 3.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.0%** (3-yr 4.2%/yr, 5-yr 5.0%/yr). Revenue grew 11.0% over the last year, against 5.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 14.8%** (3-yr 18.1%/yr, 5-yr 14.7%/yr). Earnings per share rose 14.8%, roughly in step with revenue.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.25%** ($1.24 per share, trailing). Old Republic International Corporation yields 3.25%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 84%**. 84% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 30.3%/yr** (1-yr 198.1%). The dividend has compounded at 30.3% a year over five years, doubling roughly every 2 years at that pace.
- **Shareholder yield: 7.4%**. Dividends plus net buybacks return 7.4% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (2 analysts). 2 analysts cover Old Republic International Corporation; the consensus is hold, with an average price target of $43.50 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 6.8%** (YTD -8.3%, 3-mo -10.2%). The shares are up 6.8% over twelve months including dividends.
- **From 52-week high: -17.1%** (5.8% above the low). Trading 17% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): -0.18** (volatility 23%). Beta of -0.18 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ORI · Page: https://foliofundamentals.com/stocks/ori

Not investment advice.