Old Republic International Corporation

ORI

Insurance - Diversified · Financial Services

Price

$41.58

-0.22 (-0.53%)

Market Cap

$10.13B

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Good

Cash Flow

Strong

Stability

Exceptional

Valuation

Good

Dividends

Exceptional

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Share count falling — buybacks

−17.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 303.7M (2021) → 249.6M (2025)

Winston Score History

The full picture

Old Republic International is a large insurance company based in Chicago. It sells three main types of insurance: general liability and commercial coverage for businesses, life and health insurance for individuals and employers, and title insurance for people buying homes or real estate. Title insurance protects homebuyers and lenders if problems with property ownership come up after a sale.

The company makes money by collecting premiums from policyholders and earning investment income on the money it holds before paying out claims. Old Republic operates almost entirely in the United States and has been in business for over 100 years, giving it deep relationships with mortgage lenders, real estate agents, and commercial clients. Its title insurance segment is one of the largest in the country, which is a meaningful competitive advantage. The biggest risk the business faces is a slowdown in the housing market, since fewer home sales directly reduces demand for title insurance policies.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+59.5% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

7.9%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$17.5B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Old Republic International Corporation is a rare growth stock that's already generating positive cash flow while growing at 13%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

64.2%

Premium pricing power — 64.2% gross margin

Profit after running costs

Operating Margin

17.4%

Healthy — 17.4% operating margin

Return on the money invested

ROCE

17.5%

Strong — 17.5% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+11.6%

Steady sales growth (+11.6% YoY)

Profit growth

EPS YoY

+28.9%

Earnings growing fast (+28.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

107%

Turns 107% of profit into real cash

Spare cash per sale

FCF Margin

12.6%

Converts sales into free cash efficiently (12.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.38

Conservative — low debt load (0.38)

Covers its interest

Interest Cover

18.58x

Comfortably covers interest (18.6x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

8.9x

Attractive valuation — P/E 8.9

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-5.6

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

8.60%

Healthy income — 8.60% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+19.2%

Dividend growing fast (19.2% YoY)

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