OLD REPUBLIC INTL CORP (ORI)
US6802231042 - Common Stock
ORI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. While ORI is still in line with the averages on profitability rating, there are concerns on its financial health. ORI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
ORI had positive earnings in the past year.
In the past year ORI had a positive cash flow from operations.
In the past 5 years ORI has always been profitable.
In the past 5 years ORI always reported a positive cash flow from operatings.
1.2 Ratios
ORI has a better Return On Assets (3.25%) than 65.71% of its industry peers.
ORI has a better Return On Equity (14.55%) than 63.57% of its industry peers.
The Return On Invested Capital of ORI (3.09%) is better than 65.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ORI is in line with the industry average of 4.38%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.25% | ||
| ROE | 14.55% | ||
| ROIC | 3.09% |
ROA(3y)3.71%
ROA(5y)3.72%
ROE(3y)14.24%
ROE(5y)13.87%
ROIC(3y)3.6%
ROIC(5y)3.4%
1.3 Margins
With a decent Profit Margin value of 11.72%, ORI is doing good in the industry, outperforming 69.29% of the companies in the same industry.
In the last couple of years the Profit Margin of ORI has grown nicely.
With a decent Operating Margin value of 13.65%, ORI is doing good in the industry, outperforming 61.43% of the companies in the same industry.
In the last couple of years the Operating Margin of ORI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.65% | ||
| PM (TTM) | 11.72% | ||
| GM | N/A |
OM growth 3Y1.68%
OM growth 5Y1.55%
PM growth 3Y2.05%
PM growth 5Y7.48%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, ORI has less shares outstanding
The number of shares outstanding for ORI has been reduced compared to 5 years ago.
ORI has a better debt/assets ratio than last year.
2.2 Solvency
ORI has a debt to FCF ratio of 1.73. This is a very positive value and a sign of high solvency as it would only need 1.73 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.73, ORI is in line with its industry, outperforming 52.86% of the companies in the same industry.
ORI has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.31, ORI perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 1.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ORI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.91%.
The Earnings Per Share has been growing slightly by 7.03% on average over the past years.
The Revenue has been growing slightly by 7.28% in the past year.
ORI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.41% yearly.
EPS 1Y (TTM)2.91%
EPS 3Y5.32%
EPS 5Y7.03%
EPS Q2Q%-1.39%
Revenue 1Y (TTM)7.28%
Revenue growth 3Y0.27%
Revenue growth 5Y2.41%
Sales Q2Q%10.12%
3.2 Future
ORI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.62% yearly.
ORI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.60% yearly.
EPS Next Y7.61%
EPS Next 2Y10.43%
EPS Next 3Y8.62%
EPS Next 5YN/A
Revenue Next Year13.77%
Revenue Next 2Y9.77%
Revenue Next 3Y8.6%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
ORI is valuated correctly with a Price/Earnings ratio of 12.94.
Compared to the rest of the industry, the Price/Earnings ratio of ORI is on the same level as its industry peers.
ORI is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.37 indicates a reasonable valuation of ORI.
ORI's Price/Forward Earnings ratio is in line with the industry average.
ORI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.94 | ||
| Fwd PE | 11.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ORI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
ORI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.7
PEG (5Y)1.84
EPS Next 2Y10.43%
EPS Next 3Y8.62%
5. Dividend
5.1 Amount
ORI has a Yearly Dividend Yield of 2.97%.
Compared to an average industry Dividend Yield of 4.35, ORI pays a bit more dividend than its industry peers.
ORI's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.97% |
5.2 History
The dividend of ORI decreases each year by -11.30%.
ORI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-11.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ORI pays out 29.20% of its income as dividend. This is a sustainable payout ratio.
DP29.2%
EPS Next 2Y10.43%
EPS Next 3Y8.62%
OLD REPUBLIC INTL CORP
NYSE:ORI (12/24/2024, 7:29:58 PM)
After market: 36.61 0 (0%)36.61
+0.5 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners72.42%
Inst Owner Change-4%
Ins Owners0.28%
Ins Owner Change0.01%
Market Cap9.28B
Analysts75
Price Target39.27 (7.27%)
Short Float %1.27%
Short Ratio2.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.97% |
Dividend Growth(5Y)-11.3%
DP29.2%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.12%
Min EPS beat(2)-3.34%
Max EPS beat(2)17.57%
EPS beat(4)2
Avg EPS beat(4)3.05%
Min EPS beat(4)-3.71%
Max EPS beat(4)17.57%
EPS beat(8)6
Avg EPS beat(8)11.69%
EPS beat(12)9
Avg EPS beat(12)10.77%
EPS beat(16)13
Avg EPS beat(16)19.7%
Revenue beat(2)2
Avg Revenue beat(2)3.3%
Min Revenue beat(2)2.78%
Max Revenue beat(2)3.83%
Revenue beat(4)2
Avg Revenue beat(4)0.84%
Min Revenue beat(4)-2.52%
Max Revenue beat(4)3.83%
Revenue beat(8)2
Avg Revenue beat(8)-1.04%
Revenue beat(12)6
Avg Revenue beat(12)1.5%
Revenue beat(16)10
Avg Revenue beat(16)6.29%
PT rev (1m)2.67%
PT rev (3m)5.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.99%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)25.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.94 | ||
| Fwd PE | 11.37 | ||
| P/S | 1.16 | ||
| P/FCF | 8.07 | ||
| P/OCF | 8.07 | ||
| P/B | 1.44 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.83
EY7.73%
EPS(NY)3.22
Fwd EY8.79%
FCF(TTM)4.54
FCFY12.4%
OCF(TTM)4.54
OCFY12.4%
SpS31.57
BVpS25.42
TBVpS25.42
PEG (NY)1.7
PEG (5Y)1.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.25% | ||
| ROE | 14.55% | ||
| ROCE | 3.86% | ||
| ROIC | 3.09% | ||
| ROICexc | 3.15% | ||
| ROICexgc | 4.57% | ||
| OM | 13.65% | ||
| PM (TTM) | 11.72% | ||
| GM | N/A | ||
| FCFM | 14.38% |
ROA(3y)3.71%
ROA(5y)3.72%
ROE(3y)14.24%
ROE(5y)13.87%
ROIC(3y)3.6%
ROIC(5y)3.4%
ROICexc(3y)3.61%
ROICexc(5y)3.41%
ROICexgc(3y)4.97%
ROICexgc(5y)4.63%
ROCE(3y)4.49%
ROCE(5y)4.24%
ROICexcg growth 3Y-1.42%
ROICexcg growth 5Y-1.05%
ROICexc growth 3Y-3.48%
ROICexc growth 5Y-2.62%
OM growth 3Y1.68%
OM growth 5Y1.55%
PM growth 3Y2.05%
PM growth 5Y7.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 1.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 122.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)134.32%
Profit Quality(5y)140.73%
High Growth Momentum
Growth
EPS 1Y (TTM)2.91%
EPS 3Y5.32%
EPS 5Y7.03%
EPS Q2Q%-1.39%
EPS Next Y7.61%
EPS Next 2Y10.43%
EPS Next 3Y8.62%
EPS Next 5YN/A
Revenue 1Y (TTM)7.28%
Revenue growth 3Y0.27%
Revenue growth 5Y2.41%
Sales Q2Q%10.12%
Revenue Next Year13.77%
Revenue Next 2Y9.77%
Revenue Next 3Y8.6%
Revenue Next 5YN/A
EBIT growth 1Y6.19%
EBIT growth 3Y1.96%
EBIT growth 5Y4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.51%
FCF growth 3Y-9.46%
FCF growth 5Y2.95%
OCF growth 1Y-7.51%
OCF growth 3Y-9.46%
OCF growth 5Y2.95%