Old Republic International (ORI)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$41.43-2.68%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · ORI
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks ORI against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Complete the acquisition of ECM Insurance Company and integrate it into the Specialty Insurance segment to enhance growth and earnings accretion.
Stated as a priority in 2 of last 2 quarters. The acquisition of ECM Insurance Company closed July 1, 2026, with an expected gain of approximately $125 million and accretion to earnings in 2026. Management has delivered on the closing milestone and integration is underway, matching stated plans.
“Old Republic’s previously announced acquisition of Everett Cash Mutual Insurance Co. closed effective July 1, 2026, to be included in Specialty Insurance segment.”
“Acquisition of Everett Cash Mutual Insurance Co. expected to close early in third quarter 2026 upon regulatory and policyholder approval.”
Raise capital by issuing senior notes to manage debt maturity and support financial obligations.
Stated as a priority in 2 of last 2 quarters. The company issued $700 million of senior notes in May 2026 to manage the August 2026 maturity of $550 million existing notes. This capital raising aligns with management's stated debt management strategy and is delivered as planned.
Maintain highly profitable operating results and strong balance sheet strength over the long term.
Stated as a priority in 2 of last 2 quarters. Net income increased from $204.4 million in 2025-Q2 to $322.3 million in 2026-Q2, and revenue grew from $2.21 billion to $2.50 billion over the same period. Management's focus on profitable operations and balance sheet strength is reflected in improving financial results, indicating delivery on this priority.
Over the trailing year it converted 0.88x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, real (inflation-adjusted) rates, long-term interest rates, the US dollar, Fed net liquidity (low R² over the window).
9 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Company issued $700 million Senior Notes in anticipation of August 2026 maturity of existing $550 million Senior Notes.”
“Debt issuance priced in May 2026 for $700 million Senior Notes due 2036.”
“Management's key objectives are to achieve highly profitable operating results and ensure balance sheet strength.”
“Business is managed for the long run with focus on profitable operating results and balance sheet strength.”