US · ORI
Old Republic International Corporation
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Chicago, IL 60601
- Website
- oldrepublic.com
Price · as of 2025-12-31
$39.26
Market cap 10.61B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $27.38 | -30.26% |
| Intrinsic Value(DCF) | $35.25 | -10.21% |
| Graham-Dodd Method(GD) | $28.05 | -28.55% |
| Graham Formula(GF) | $69.42 | +76.82% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.23 | $10.65 | $7.58 | $1.54 | $0.00 |
| 2012 | $4.91 | $67.02 | $0.00 | $2.08 | $0.00 |
| 2013 | $7.03 | $60.99 | $61.75 | $12.59 | $30.11 |
| 2014 | $6.94 | $58.93 | $25.89 | $12.18 | $15.31 |
| 2015 | $8.82 | $75.28 | $22.44 | $12.03 | $19.76 |
| 2016 | $10.25 | $35.56 | $40.58 | $15.03 | $18.76 |
| 2017 | $11.74 | $37.75 | $56.31 | $17.37 | $30.07 |
| 2018 | $11.67 | $54.73 | $18.31 | $0.00 | $10.24 |
| 2019 | $12.79 | $23.49 | $40.07 | $10.68 | $93.34 |
| 2020 | $14.98 | $22.95 | $20.65 | $17.52 | $8.06 |
| 2021 | $19.33 | $45.22 | $204.35 | $0.00 | $189.07 |
| 2022 | $19.80 | $33.68 | $13.41 | $2.40 | $0.00 |
| 2023 | $24.31 | $25.12 | $0.00 | $18.67 | $0.00 |
| 2024 | $34.24 | $32.47 | $19.17 | $22.46 | $69.13 |
| 2025 | $43.08 | $27.38 | $2.99 | $28.05 | $69.42 |
AI valuation
Our deep-learning model estimates Old Republic International Corporation's (ORI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $27.38
- Current price
- $39.26
- AI upside
- -30.26%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$35.25
-10.21% upside
Graham-Dodd
$28.05
-28.55% upside
Graham Formula
$69.42
+76.82% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ORI | Old Republic Internationa… | $39.26 | 10.61B | -30% | -10% | -29% | +77% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| AFG | American Financial Group,… | $132.98 | 11.09B | +17% | -43% | — | -47% | 13.39 | 2.34 | 1.38 | -3.55 | — | 2.71 | 46.32% | 13.13% | 10.30% | 18.13% | -30.16% | 2.92% | 0.38 | 13.41 | — | — | -13.32 | -464.00% | -126.00% | 2135.00% | 12.40% | — | -50.08% | 5.38% | 72.00% | 146.92% | -3.81 | -2.93 | -0.50 | 1.42 |
| AIZ | Assurant, Inc. | $229.59 | 11.5B | -41% | -34% | -56% | +17% | 13.51 | 2.01 | 0.92 | 2.48 | 66.66 | -1.69 | 77.15% | 8.49% | 6.81% | 15.90% | 260.78% | 2.45% | 0.38 | 9.91 | 0.50 | 0.52 | 0.26 | 2026.00% | 789.00% | 4382.00% | 13.56% | 0.08 | 477.63% | 1.43% | 19.30% | 4.01% | 3.29 | 2.24 | 0.28 | 0.47 |
| CMA | Comerica Incorporated | $88.67 | 11.35B | -57% | -40% | -71% | -80% | 10.64 | 1.14 | 1.49 | -0.08 | — | 1.30 | 63.99% | 17.78% | 13.98% | 10.78% | -12.08% | 0.85% | 1.02 | 0.51 | 0.23 | 0.23 | -0.13 | -2181.00% | -495.00% | -5920.00% | 6.03% | 0.01 | -7.75% | 5.39% | 57.30% | 12.31% | -0.09 | -0.18 | -0.02 | -0.37 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| GGAL | Grupo Financiero Galicia … | $44.85 | 7.2B | +34% | +3,752% | -48% | — | 15.92 | 1.96 | 1.12 | 4.29 | 13.31 | 2.06 | 62.71% | 20.81% | 15.29% | 18.49% | 65.59% | 3.50% | 0.36 | 0.71 | 0.66 | 0.50 | -0.08 | 11955.00% | -2352.00% | -28307.00% | -24.53% | -0.14 | -117.76% | 5.17% | 82.30% | 5.18% | 4.66 | -3.53 | 0.97 | 0.74 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| SEIC | SEI Investments Company | $81.32 | 9.96B | -9% | -44% | -65% | +15% | — | 4.11 | 4.38 | 11.22 | — | 5.83 | 59.21% | 27.31% | 31.14% | 0.00% | 28.58% | 0.00% | 0.00 | 1625.16 | 3.29 | 3.12 | -0.46 | 2766.00% | 810.00% | 340.00% | 5.81% | 1.57 | 34.04% | 1.23% | — | 7.48% | 15.36 | 16.47 | 4.19 | 12.86 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| XP | XP Inc. | $21.53 | 11.35B | +45% | -49% | -35% | -98% | 11.85 | 2.60 | 3.36 | 11.49 | 65.43 | 2.95 | 67.36% | 32.42% | 27.79% | 23.72% | 11.88% | 1.39% | 0.89 | 9.65 | 0.56 | 0.56 | 1.70 | 1810.00% | -821.00% | 910.00% | 19.33% | 0.15 | 25.07% | 0.81% | 9.60% | 165.43% | 12.15 | 6.07 | 3.94 | 0.09 |
About Old Republic International Corporation
Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. The company operates through three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers automobile extended warranty, aviation, commercial automobile, commercial multi-peril, commercial property, general liability, home warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, guaranteed asset protection, and surety. This segment provides its insurance products to businesses, government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders' and owners' title insurance policies to real estate purchasers and investors based upon searches of the public records. This segment also provides escrow closing and construction disbursement services; and real estate information products, national default management services, and various other services pertaining to real estate transfers and loan transactions. The Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. The company was founded in 1923 and is based in Chicago, Illinois.
- CEO
- Craig Richard Smiddy
- Employees
- 9.4K
- Beta
- 0.79
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($35.25 ÷ $39.26) − 1 = -10.21% (DCF, example).