OLD REPUBLIC INTL CORP(NYSE:ORI) stock Fundamental Analysis

Fundamental Rating

Overall ORI gets a fundamental rating of 4 out of 10. We evaluated ORI against 144 industry peers in the Insurance industry. There are concerns on the financial health of ORI while its profitability can be described as average. ORI is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year ORI was profitable.

In the past year ORI had a positive cash flow from operations.

ORI had positive earnings in each of the past 5 years.

ORI had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 3.25%, ORI is in the better half of the industry, outperforming 64.79% of the companies in the same industry.

The Return On Equity of ORI (14.55%) is better than 63.38% of its industry peers.

ORI has a Return On Invested Capital of 3.08%. This is in the better half of the industry: ORI outperforms 64.79% of its industry peers.

The Average Return On Invested Capital over the past 3 years for ORI is in line with the industry average of 4.59%.

		Industry Rank	Sector Rank
ROA	3.25%
ROE	14.55%
ROIC	3.08%

ROA(3y)2.68%

ROA(5y)3.33%

ROE(3y)11.88%

ROE(5y)13.39%

ROIC(3y)3.39%

ROIC(5y)3.48%

1.3 Margins

ORI's Profit Margin of 11.72% is fine compared to the rest of the industry. ORI outperforms 69.01% of its industry peers.

In the last couple of years the Profit Margin of ORI has declined.

ORI's Operating Margin of 13.65% is in line compared to the rest of the industry. ORI outperforms 59.86% of its industry peers.

ORI's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	13.65%
PM (TTM)	11.72%
GM	N/A

OM growth 3Y-0.36%

OM growth 5Y4.91%

PM growth 3Y-16.67%

PM growth 5Y-7.67%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ORI has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, ORI has less shares outstanding

Compared to 1 year ago, ORI has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ORI is 1.73, which is an excellent value as it means it would take ORI, only 1.73 years of fcf income to pay off all of its debts.

ORI has a Debt to FCF ratio (1.73) which is in line with its industry peers.

A Debt/Equity ratio of 0.31 indicates that ORI is not too dependend on debt financing.

ORI has a Debt to Equity ratio (0.31) which is comparable to the rest of the 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.15% over the past year.

ORI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.68% yearly.

The Revenue has grown by 11.77% in the past year. This is quite good.

Measured over the past years, ORI shows a small growth in Revenue. The Revenue has been growing by 3.76% on average per year.

EPS 1Y (TTM)15.15%

EPS 3Y-0.54%

EPS 5Y10.68%

EPS Q2Q%30.43%

Revenue 1Y (TTM)11.77%

Revenue growth 3Y-1.34%

Revenue growth 5Y3.76%

Sales Q2Q%11.11%

3.2 Future

Based on estimates for the next years, ORI will show a small growth in Earnings Per Share. The EPS will grow by 7.27% on average per year.

The Revenue is expected to grow by 6.10% on average over the next years.

EPS Next Y7.15%

EPS Next 2Y7.27%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.92%

Revenue Next 2Y6.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.88, which indicates a very decent valuation of ORI.

ORI's Price/Earnings is on the same level as the industry average.

ORI is valuated cheaply when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.

ORI is valuated reasonably with a Price/Forward Earnings ratio of 11.09.

The rest of the industry has a similar Price/Forward Earnings ratio as ORI.

The average S&P500 Price/Forward Earnings ratio is at 92.74. ORI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.88
Fwd PE	11.09

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as ORI.

		Industry Rank	Sector Rank
P/FCF	7.96
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.

PEG (NY)1.66

PEG (5Y)1.11

EPS Next 2Y7.27%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.87%, ORI has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.13, ORI pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.28, ORI pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.87%

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

29.20% of the earnings are spent on dividend by ORI. This is a low number and sustainable payout ratio.

DP29.2%

EPS Next 2Y7.27%

EPS Next 3YN/A

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OLD REPUBLIC INTL CORP

NYSE:ORI (2/4/2025, 8:04:00 PM)

After market: 36.13 0 (0%)

36.13

-0.12 (-0.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)01-23 2025-01-23/bmo

Earnings (Next)N/A N/A

Inst Owners72.42%

Inst Owner Change-0.02%

Ins Owners0.28%

Ins Owner Change0.47%

Market Cap9.16B

Analysts75

Price Target41.31 (14.34%)

Short Float %1.17%

Short Ratio2.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.87%

Yearly Dividend0.96

Dividend Growth(5Y)-11.3%

DP29.2%

Div Incr Years0

Div Non Decr Years0

Ex-Date01-03 2025-01-03 (2)

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)2.53%

PT rev (3m)8%

EPS NQ rev (1m)-1.94%

EPS NQ rev (3m)-5.91%

EPS NY rev (1m)1.18%

EPS NY rev (3m)0.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.5%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.64%

Valuation

		Industry Rank	Sector Rank
PE	11.88
Fwd PE	11.09
P/S	1.14
P/FCF	7.96
P/OCF	7.96
P/B	1.42
P/tB	1.42
EV/EBITDA	N/A

EPS(TTM)3.04

EY8.41%

EPS(NY)3.26

Fwd EY9.02%

FCF(TTM)4.54

FCFY12.56%

OCF(TTM)4.54

OCFY12.56%

SpS31.57

BVpS25.42

TBVpS25.42

PEG (NY)1.66

PEG (5Y)1.11

Profitability

		Industry Rank	Sector Rank
ROA	3.25%
ROE	14.55%
ROCE	3.86%
ROIC	3.08%
ROICexc	3.14%
ROICexgc	4.56%
OM	13.65%
PM (TTM)	11.72%
GM	N/A
FCFM	14.38%

ROA(3y)2.68%

ROA(5y)3.33%

ROE(3y)11.88%

ROE(5y)13.39%

ROIC(3y)3.39%

ROIC(5y)3.48%

ROICexc(3y)3.4%

ROICexc(5y)3.49%

ROICexgc(3y)4.83%

ROICexgc(5y)4.84%

ROCE(3y)4.24%

ROCE(5y)4.35%

ROICexcg growth 3Y-2.45%

ROICexcg growth 5Y5%

ROICexc growth 3Y-5.27%

ROICexc growth 5Y2.77%

OM growth 3Y-0.36%

OM growth 5Y4.91%

PM growth 3Y-16.67%

PM growth 5Y-7.67%

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)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)15.15%

EPS 3Y-0.54%

EPS 5Y10.68%

EPS Q2Q%30.43%

EPS Next Y7.15%

EPS Next 2Y7.27%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.77%

Revenue growth 3Y-1.34%

Revenue growth 5Y3.76%

Sales Q2Q%11.11%

Revenue Next Year5.92%

Revenue Next 2Y6.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y6.19%

EBIT growth 3Y-1.69%

EBIT growth 5Y8.85%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y33.17%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y33.17%

OCF growth 3YN/A

OCF growth 5YN/A

OLD REPUBLIC INTL CORP (ORI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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