ORI · Old Republic International Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $9.14B | $8.23B | $7.26B | $8.08B | $9.34B | $7.17B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $1.85B | $1.68B | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $35.40M | $39.30M | $33.00M | $28.30M | $27.20M | $26.90M |
| Operating Income | $1.18B | $1.07B | $747.40M | $857.40M | $1.92B | $688.40M |
| Interest Expense | $70.50M | $79.80M | $67.20M | $67.30M | $55.90M | $42.50M |
| Income Tax | $242.10M | $216.90M | $148.70M | $170.90M | $387.70M | $129.70M |
| Net Income | $935.40M | $852.70M | $598.60M | $686.40M | $1.53B | $558.60M |
| EPS - Basic | $3.82 | $3.30 | $2.12 | $2.28 | $5.08 | $1.87 |
| EPS - Diluted | $3.72 | $3.24 | $2.10 | $2.26 | $5.05 | $1.87 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $263.20M | $201.90M | $202.80M | $78.80M | $158.10M | $118.70M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $29.86B | $27.84B | $26.50B | $25.16B | $24.98B | $22.82B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $23.93B | $22.22B | $20.09B | $18.99B | $18.09B | $16.63B |
| Stockholders' Equity | $5.91B | $5.62B | $6.41B | $6.17B | $6.89B | $6.19B |
| Retained Earnings | $5.52B | $5.52B | $5.64B | $5.32B | $5.21B | $4.39B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.16B | $1.23B | $880.40M | $1.17B | $1.31B | $1.19B |
| Investing Cash Flow | ($177.20M) | ($3.90M) | $25.30M | ($415.00M) | ($936.50M) | ($845.20M) |
| Financing Cash Flow | ($925.70M) | ($1.23B) | ($783.20M) | ($832.70M) | ($335.70M) | ($300.00M) |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 13.0% | 13.0% | 10.3% | 10.6% | 20.6% | 9.6% |
| EBITDA margin | 13.3% | 13.5% | 10.8% | 11.0% | 20.9% | 10.0% |
| Net margin | 10.2% | 10.4% | 8.2% | 8.5% | 16.4% | 7.8% |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 20.2% | 20.4% | - | - | - | - |
| Effective tax rate | 20.6% | 20.3% | 19.9% | 19.9% | 20.2% | 18.8% |
| Return on assets | 3.1% | 3.1% | 2.3% | 2.7% | 6.1% | 2.4% |
| Return on equity | 15.8% | 15.2% | 9.3% | 11.1% | 22.3% | 9.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 16.8x | 13.4x | 11.1x | 12.7x | 34.4x | 16.2x |
| Equity multiplier | 5.05 | 4.96 | 4.13 | 4.08 | 3.62 | 3.69 |
| Liabilities / Assets | 0.80 | 0.80 | 0.76 | 0.75 | 0.72 | 0.73 |
| Efficiency | ||||||
| Asset turnover | 0.31 | 0.30 | 0.27 | 0.32 | 0.37 | 0.31 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.3x | 11.2x | 14.0x | 10.7x | 4.9x | 10.5x |
| P / B | 1.9x | 1.7x | 1.3x | 1.2x | 1.1x | 1.0x |
| P / S | 1.3x | 1.2x | 1.2x | 0.9x | 0.8x | 0.8x |
| EV / EBITDA | 9.2x | 8.4x | 10.5x | 8.2x | 3.7x | 8.1x |
| Growth | ||||||
| Revenue growth (YoY) | 11.0% | 13.4% | -10.2% | -13.5% | 30.4% | -0.7% |
| Revenue CAGR (3y) | 4.2% | -4.1% | 0.4% | 3.9% | 15.8% | 4.6% |
| Revenue CAGR (5y) | 5.0% | 2.7% | 3.8% | 5.2% | 9.6% | 4.4% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 10.7% | 43.1% | -12.8% | -55.4% | 179.2% | -47.9% |
| Net income growth (YoY) | 9.7% | 42.4% | -12.8% | -55.3% | 174.7% | -47.1% |
| EPS growth (YoY) | 14.8% | 54.3% | -7.1% | -55.2% | 170.1% | -46.7% |
| EPS CAGR (3y) | 18.1% | -13.8% | 3.9% | -13.6% | 59.7% | -0.9% |
| EPS CAGR (5y) | 14.7% | -1.6% | 11.1% | 3.3% | 25.5% | 4.8% |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 5.3% | -12.4% | 4.0% | -10.5% | 11.4% | 3.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2023-12-31.
Business segments
$7.39B totalTotal Of Major Segments$7.39B · 100.0%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Surety Insurance
Comparing OLD REPUBLIC INTERNATIONAL CORP against the 5 most active filers in the same SIC group.
Dividends
$3.69/share trailing 12 months · +30.7% YoY
| Ex-date | Per share |
|---|---|
| Mar 9, 2026 | $0.3150 |
| Jan 2, 2026 | $2.5000 |
| Dec 5, 2025 | $0.2900 |
| Sep 5, 2025 | $0.2900 |
| Jun 6, 2025 | $0.2900 |
| Mar 10, 2025 | $0.2900 |
| Jan 3, 2025 | $2.0000 |
| Dec 6, 2024 | $0.2650 |
| Sep 6, 2024 | $0.2650 |
| Jun 4, 2024 | $0.2650 |
| Mar 8, 2024 | $0.2650 |
| Dec 4, 2023 | $0.2450 |
| Sep 1, 2023 | $0.2450 |
| Jun 2, 2023 | $0.2450 |
| Mar 3, 2023 | $0.2450 |
| Dec 2, 2022 | $0.2300 |
| Aug 31, 2022 | $1.2300 |
| Jun 2, 2022 | $0.2300 |
| Mar 4, 2022 | $0.2300 |
| Dec 3, 2021 | $0.2200 |
| Sep 14, 2021 | $1.5000 |
| Aug 31, 2021 | $0.2200 |
| Jun 3, 2021 | $0.2200 |
| Mar 8, 2021 | $0.2200 |