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Wednesday 4 November 2026
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Old Republic International Corporation
ORI Financial Insurance Property & Casualty
Old Republic International Corporation’s revenue for fiscal 2025 (year ended December 2025) was $9.1 billion, up 11.0% from fiscal 2024.
- Revenue
- +5.21%
- EPS
- −11.6%
- Free cash flow
- −23.9%
- Total debt
- +10.1%
Quarter to September 2026, against a year earlier
39.86
1.08
+2.78%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 8 | 6 | 5 | 6 | 6 | 7 | 4 | 6 | 6 |
P/E ratio |
11.94 | 10.98 | 13.90 | 10.46 | 4.82 | 10.37 | 6.34 | 16.66 | 9.89 | 10.54 |
P/S ratio |
1.22 | 1.13 | 1.15 | 0.90 | 0.79 | 0.82 | 0.90 | 0.97 | 0.88 | 0.84 |
P/FCF ratio |
9.61 | 7.57 | 9.46 | 6.23 | 5.66 | 4.96 | 7.17 | 7.96 | 12.20 | 7.76 |
P/Operating CF |
47.63 | 25.82 | 29.39 | 27.29 | 21.76 | 15.64 | 24.85 | 37.04 | (79.69) | 21.02 |
P/B ratio |
1.89 | 1.66 | 1.30 | 1.18 | 1.08 | 0.95 | 1.12 | 1.18 | 1.17 | 1.11 |
Price to Tangible BV |
1.89 | 1.66 | 1.30 | 1.18 | 1.08 | 0.95 | 1.12 | 1.18 | 1.17 | 1.11 |
EV/Sales |
1.37 | 1.30 | 1.34 | 1.09 | 0.95 | 0.94 | 1.02 | 1.11 | 1.09 | 1.07 |
EV/EBITDA |
9.85 | 9.16 | 11.64 | 9.40 | 4.42 | 8.96 | 5.47 | 13.86 | 8.47 | 8.39 |
EV/Operating CF |
10.75 | 8.70 | 11.04 | 7.52 | 6.75 | 5.68 | 8.12 | 9.12 | 15.12 | 9.93 |
EV/FCF |
10.75 | 8.70 | 11.04 | 7.52 | 6.75 | 5.68 | 8.12 | 9.12 | 15.12 | 9.93 |
Quick Ratio |
0.18 | 0.17 | 0.18 | 0.15 | 0.47 | 0.45 | 0.43 | 0.43 | 0.43 | 0.42 |
Current Ratio |
0.18 | 0.17 | 0.18 | 0.15 | 0.47 | 0.45 | 0.43 | 0.43 | 0.43 | 0.42 |
Net Debt/EBITDA |
1.04 | 1.18 | 1.66 | 1.62 | 0.71 | 1.13 | 0.64 | 1.76 | 1.64 | 1.83 |
Debt/Assets |
5.32% | 5.71% | 6.00% | 6.35% | 6.36% | 4.24% | 4.62% | 5.08% | 7.47% | 8.22% |
Debt/Equity |
0.27 | 0.28 | 0.25 | 0.26 | 0.23 | 0.16 | 0.16 | 0.19 | 0.31 | 0.34 |
Asset Turnover |
0.32 | 0.30 | 0.28 | 0.32 | 0.39 | 0.33 | 0.37 | 0.32 | 0.33 | 0.33 |
Operating CF/Net income |
1.24 | 1.45 | 1.47 | 1.71 | 0.85 | 2.12 | 0.89 | 2.05 | 0.81 | 1.37 |
Interest Coverage |
18.08 | 15.14 | 11.84 | 14.05 | 35.61 | 17.19 | 34.75 | 11.85 | 12.83 | 15.03 |
| 16.20% | 14.18% | 9.51% | 10.51% | 23.46% | 9.17% | 18.96% | 7.50% | 12.19% | 11.19% | |
| 3.24% | 3.14% | 2.32% | 2.74% | 6.42% | 2.55% | 5.23% | 1.91% | 2.95% | 2.62% | |
ROIC |
10.95% | 10.44% | 6.69% | 7.61% | 15.03% | 6.67% | 12.60% | 5.19% | 8.34% | 8.07% |
Return on Tangible Assets |
(5.60%) | (5.49%) | (4.29%) | (4.97%) | (19.41%) | (7.25%) | (14.25%) | (5.21%) | (8.16%) | (6.80%) |
Average Days of Receivables |
135.70 | 136.57 | 148.01 | 107.72 | 272.80 | 313.84 | 267.84 | 301.32 | 290.40 | 294.72 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.81) | (2.03) | (2.03) | (2.27) | (1.48) | (1.76) | (1.42) | (1.47) | (1.73) | (1.86) |
Graham Number |
45.60 | 40.19 | 32.89 | 32.61 | 51.18 | 29.77 | 39.86 | 22.04 | 29.42 | 26.46 |
Earnings Yield |
8.37% | 9.11% | 7.20% | 9.56% | 20.75% | 9.64% | 15.78% | 6.00% | 10.11% | 9.49% |
Free Cash Flow Yield |
10.41% | 13.21% | 10.57% | 16.05% | 17.67% | 20.15% | 13.96% | 12.56% | 8.20% | 12.88% |
Revenue per Share |
37.27 | 31.90 | 25.67 | 26.80 | 30.94 | 24.01 | 24.88 | 21.27 | 23.89 | 22.74 |
Operating CF per Share |
4.75 | 4.78 | 3.11 | 3.88 | 4.34 | 3.97 | 3.12 | 2.58 | 1.73 | 2.46 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
4.75 | 4.78 | 3.11 | 3.88 | 4.34 | 3.97 | 3.12 | 2.58 | 1.73 | 2.46 |
Cash per Share |
1.07 | 0.78 | 0.72 | 0.27 | 0.52 | 0.40 | 0.26 | 0.34 | 0.48 | 0.56 |
Shareholders Equity per Share |
24.19 | 21.78 | 22.67 | 20.46 | 22.83 | 20.73 | 20.01 | 17.49 | 18.06 | 17.19 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
24.19 | 21.78 | 22.67 | 20.46 | 22.83 | 20.73 | 20.01 | 17.49 | 18.06 | 17.19 |
Free Cash Flow |
1,164.30 | 1,233.40 | 880.40 | 1,170.60 | 1,311.70 | 1,185.00 | 936.20 | 760.50 | 452.80 | 637.30 |
Working Capital |
(16,704.20) | (15,535.00) | (13,966.00) | (13,804.30) | (7,903.50) | (7,709.10) | (7,411.20) | (7,107.90) | (6,871.70) | (6,861.20) |
Net Current Asset Value |
(20,274.40) | (18,942.20) | (16,944.60) | (16,519.60) | (10,948.60) | (10,348.20) | (9,522.70) | (8,913.60) | (9,561.20) | (9,220.90) |
EV/EBIT |
9.85 | 9.16 | 11.64 | 9.40 | 4.42 | 8.96 | 5.47 | 13.86 | 8.47 | 8.39 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
8.80 | 7.98 | 9.98 | 7.78 | 3.71 | 7.83 | 4.83 | 12.10 | 6.83 | 6.56 |
| Other line items | ||||||||||
Cash ROIC |
14.96% | 16.65% | 10.73% | 14.91% | 15.18% | 16.30% | 13.27% | 12.21% | 7.18% | 10.39% |
Accounts Receivable Turnover |
2.82 | 2.73 | 2.72 | 1.73 | 1.42 | 1.23 | 1.40 | 1.23 | 1.29 | 1.21 |
Accounts Payable Turnover |
0.40 | 0.39 | 0.38 | 0.46 | 0.51 | 0.48 | 0.48 | 0.47 | 0.46 | 0.44 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
944.98 | 972.72 | 972.34 | 830.97 | 748.03 | 795.98 | 779.49 | 784.38 | 801.66 | 834.90 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
3,238.30 | 3,011.65 | 2,664.45 | 4,683.75 | 6,571.75 | 5,818.10 | 5,320.75 | 5,075.00 | 4,873.70 | 4,861.30 |
Average Payables |
19,590.45 | 17,964.50 | 16,691.50 | 15,657.20 | 14,516.45 | 13,477.00 | 12,669.85 | 12,177.90 | 11,875.95 | 11,666.25 |
Average Assets |
28,852.90 | 27,172.25 | 25,830.40 | 25,070.60 | 23,898.50 | 21,945.75 | 20,201.70 | 19,365.30 | 18,997.55 | 17,846.60 |
Average Common Equity |
5,773.60 | 6,014.85 | 6,291.95 | 6,533.15 | 6,539.85 | 6,093.30 | 5,573.10 | 4,939.65 | 4,596.80 | 4,170.65 |
Columns are period end dates · fundamentals updated 3 Nov 2026