Old Republic International Corp (ORI) Stock Analysis

ORI- NYSE (USA) Also traded in: Germany
Old Republic International Corp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies

$20.75

0(0%) Volume: 2,323,604 1:01AM EST

Avg Vol (1m): 1,878,195

4 Medium Warning Signs

Market Cap	5.45 B	P/E(ttm)	12.72
Enterprise Value		P/B	1.23

$20.75 (1y: +18%)

Today's Updates:

Gurus: Pioneer Investments 2016-12-31 Takes Stake

RSS

Manual of Stocks™ Web APP

Manual of Stocks™

Sorry. Only PremiumPlus Member can access this feature.

Free Trial

Also traded in: Germany

Financial Strength : 7/10

		vs industry	vs history
Cash to Debt	6.52	ORI's Cash to Debt is ranked lower than 66% of the 186 Companies in the Global Insurance - Diversified industry. ( Industry Median: 9999.00 vs. ORI: 6.52 ) Ranked among companies with meaningful Cash to Debt only.	ORI' s Cash to Debt Range Over the Past 10 Years Min: 0.08 Med: 0.27 Max: N/A Current: 6.52
Equity to Asset	0.24	ORI's Equity to Asset is ranked lower than 51% of the 186 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.25 vs. ORI: 0.24 ) Ranked among companies with meaningful Equity to Asset only.	ORI' s Equity to Asset Range Over the Past 10 Years Min: 0.22 Med: 0.31 Max: 0.37 Current: 0.24 0.22 - 0.37
Interest Coverage	13.69	ORI's Interest Coverage is ranked lower than 75% of the 181 Companies in the Global Insurance - Diversified industry. ( Industry Median: 9999.00 vs. ORI: 13.69 ) Ranked among companies with meaningful Interest Coverage only.	ORI' s Interest Coverage Range Over the Past 10 Years Min: 0.86 Med: 19.45 Max: 51.84 Current: 13.69 0.86 - 51.84

F-Score: 4
WACC vs ROIC	9.98% 16.53% WACC ROIC

Profitability & Growth : 5/10

		vs industry	vs history
Operating margin (%)	11.63	ORI's Operating margin (%) is ranked higher than 64% of the 174 Companies in the Global Insurance - Diversified industry. ( Industry Median: 9.00 vs. ORI: 11.63 ) Ranked among companies with meaningful Operating margin (%) only.	ORI' s Operating margin (%) Range Over the Past 10 Years Min: -25.3 Med: 4.96 Max: 12.37 Current: 11.63 -25.3 - 12.37
Net-margin (%)	7.91	ORI's Net-margin (%) is ranked higher than 58% of the 185 Companies in the Global Insurance - Diversified industry. ( Industry Median: 6.78 vs. ORI: 7.91 ) Ranked among companies with meaningful Net-margin (%) only.	ORI' s Net-margin (%) Range Over the Past 10 Years Min: -17.24 Med: 3.7 Max: 8.23 Current: 7.91 -17.24 - 8.23
ROE (%)	10.95	ORI's ROE (%) is ranked higher than 60% of the 185 Companies in the Global Insurance - Diversified industry. ( Industry Median: 9.14 vs. ORI: 10.95 ) Ranked among companies with meaningful ROE (%) only.	ORI' s ROE (%) Range Over the Past 10 Years Min: -13.48 Med: 3.43 Max: 12.15 Current: 10.95 -13.48 - 12.15
ROA (%)	2.59	ORI's ROA (%) is ranked higher than 57% of the 185 Companies in the Global Insurance - Diversified industry. ( Industry Median: 2.01 vs. ORI: 2.59 ) Ranked among companies with meaningful ROA (%) only.	ORI' s ROA (%) Range Over the Past 10 Years Min: -4.2 Med: 1.15 Max: 2.73 Current: 2.59 -4.2 - 2.73
Revenue Growth (3Y)(%)	2.40	ORI's Revenue Growth (3Y)(%) is ranked lower than 61% of the 151 Companies in the Global Insurance - Diversified industry. ( Industry Median: 5.90 vs. ORI: 2.40 ) Ranked among companies with meaningful Revenue Growth (3Y)(%) only.	ORI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years Min: -5.2 Med: 5.1 Max: 16 Current: 2.4 -5.2 - 16
EBITDA Growth (3Y)(%)	1.60	ORI's EBITDA Growth (3Y)(%) is ranked lower than 56% of the 117 Companies in the Global Insurance - Diversified industry. ( Industry Median: 3.30 vs. ORI: 1.60 ) Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.	ORI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years Min: -47 Med: 6 Max: 112.3 Current: 1.6 -47 - 112.3
EPS Growth (3Y)(%)	1.10	ORI's EPS Growth (3Y)(%) is ranked lower than 60% of the 118 Companies in the Global Insurance - Diversified industry. ( Industry Median: 4.20 vs. ORI: 1.10 ) Ranked among companies with meaningful EPS Growth (3Y)(%) only.	ORI' s EPS Growth (3Y)(%) Range Over the Past 10 Years Min: -51.9 Med: 5.5 Max: 129.4 Current: 1.1 -51.9 - 129.4

GuruFocus has detected 4 Warning Signs with Old Republic International Corp $ORI.

More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.

» ORI's 10-Y Financials

Financials

Revenue & Net Income

Equity & Asset

Oprt. Cash Flow & Free Cash Flow

Oprt. Cash Flow & Net Income

» ORI's Warning Signs

Warning Signs

Subscribe to see Warning Signs. .

Start your free trial

» Details

Guru Trades

Q1 2016

Q2 2016

Q3 2016

Q4 2016

» Details

Insider Trades

Latest Guru Trades with ORI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Select Gurus: | Basic | Premium

| Premium Plus

No Entry found in the selected group of Gurus. You can

1. Modify your Personalized List of Gurus, or
2. Click on Premium above to check out all the Gurus, or
3. Click on Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry:	Insurance » Insurance - Diversified NAICS: 524126 SIC: 6361
Compare:	NYSE:AIZ, OTCPK:DIISY, OTCPK:SYFHF, NAS:ESGR, OTCPK:VNRFY, OTCPK:GJNSY, OTCPK:DGRLY, OTCPK:TPDKY, NYSE:KMPR, NYSE:GNW, NYSE:HMN, OTCPK:SZLMY, OTCPK:PWCDF, NYSE:GTS, OTCPK:CUII, OTCPK:SUND, OTCPK:NNGPF, NYSE:AEG, OTCPK:BBSEY, NYSE:HIG » details
Traded in other countries:	ORJ.Germany,

Old Republic International Corporation is engaged in insurance underwriting and related services. It conducts its operations through General Insurance, Title Insurance, and the Republic Financial Indemnity and consumer credit indemnity Run-off Business.

Old Republic International Corporation is engaged in the single business of insurance underwriting. It conducts its operations through insurance company subsidiaries organized into three segments, namely, it's General Insurance Group (property and liability insurance), Title Insurance Group, and the Republic Financial Indemnity Group (RFIG) (mortgage guaranty (MI) and consumer credit indemnity (CCI)) Run-off Business. Its General Insurance segment provides commercial lines insurance business such as liability insurance coverages. These coverages are provided to businesses, government, and other institutions. Its coverages include Automobile Extended Warranty Insurance, Aviation, Commercial Multi-Peril, Financial Indemnity, General Liability Home Warranty Insurance, Travel Accident, and Workers' Compensation. The Company's Title Insurance Group's business consists of the issuance of policies to real estate purchasers and investors based upon searches of the public records, which contain information concerning interests in real property. The policies insure against losses arising out of defects, liens and encumbrances affecting the insured title and not excluded or excepted from the coverage of the policy. There are two basic types of title insurance policies: lenders' policies and owners' policies. Both are issued for a one-time premium. Mortgages made in the United States are extended by mortgage bankers, savings and commercial banks, state and federal agencies, and life insurance companies. The financial institutions secure title insurance policies to protect their mortgagees' interest in the real property. This protection remains in effect for as long as the mortgagee has an interest in the property. A separate title insurance policy may be issued to the owner of the real estate. An owner's policy of title insurance protects an owner's interest in the title to the property. The Company's RFIG run-off business consists of its mortgage guaranty and CCI operations. Private mortgage insurance protects mortgage lenders and investors from default related losses on residential mortgage loans made to home buyers who make down payments of less than 20% of the home's purchase price. The mortgage guaranty operation insures only first mortgage loans, on residential properties incorporating one-to-four family dwelling units. There are two principal types of private mortgage insurance coverage: "primary" and "pool". Primary mortgage insurance provides mortgage default protection on individual loans and covers a stated percentage of the unpaid loan principal, delinquent interest, and certain expenses associated with the default and subsequent foreclosure. In lieu of paying the stated coverage percentage, the Company may pay the entire claim amount, take title to the mortgaged property, and subsequently sell the property to mitigate its loss. Pool insurance, which is written on a group of loans in negotiated transactions, provides coverage tha

Guru Investment Theses on Old Republic International Corp

Meridian Funds Comments on Old Republic International Corp - Mar 07, 2016

Old Republic International Corp. (NYSE:ORI) is a 100+ year old insurance underwriter focused on commercial casualty lines and title insurance. We originally invested in the company after earnings suffered due to (1) higher losses in its workers’ compensation line of business due to medical cost inflation and poorly underwritten policies, and (2) the title insurance segment declined against difficult comparisons relative to the 2012-2013 refinancing boom. The stock performed well for us in 2015 as the company returned to more traditional workers’ comp loss ratios by shifting its book of business to more risk sharing with insureds and away from more competitive coastal geographies, and as the title business enjoyed close to double digit growth in premiums. We continue to hold shares in Old Republic due to its 4% dividend yield and steady results, but have reduced our position due to significant stock price appreciation.

From Meridian Contrarian Fund Semi-Annual Shareholder Letter 2016.

Check out Meridian Funds latest stock trades

Ratios

		vs industry	vs history
P/E(ttm)	12.72	ORI's P/E(ttm) is ranked higher than 52% of the 151 Companies in the Global Insurance - Diversified industry. ( Industry Median: 13.18 vs. ORI: 12.72 ) Ranked among companies with meaningful P/E(ttm) only.	ORI' s P/E(ttm) Range Over the Past 10 Years Min: 7.74 Med: 11.91 Max: 699 Current: 12.72 7.74 - 699
Forward P/E	14.64	ORI's Forward P/E is ranked lower than 99.99% of the 22 Companies in the Global Insurance - Diversified industry. ( Industry Median: 10.64 vs. ORI: 14.64 ) Ranked among companies with meaningful Forward P/E only.	N/A
PE(NRI)	12.72	ORI's PE(NRI) is ranked higher than 51% of the 151 Companies in the Global Insurance - Diversified industry. ( Industry Median: 13.14 vs. ORI: 12.72 ) Ranked among companies with meaningful PE(NRI) only.	ORI' s PE(NRI) Range Over the Past 10 Years Min: 7.74 Med: 11.91 Max: 699 Current: 12.72 7.74 - 699
P/B	1.23	ORI's P/B is ranked higher than 51% of the 183 Companies in the Global Insurance - Diversified industry. ( Industry Median: 1.23 vs. ORI: 1.23 ) Ranked among companies with meaningful P/B only.	ORI' s P/B Range Over the Past 10 Years Min: 0.47 Med: 0.91 Max: 1.29 Current: 1.23 0.47 - 1.29
P/S	1.06	ORI's P/S is ranked lower than 52% of the 183 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.97 vs. ORI: 1.06 ) Ranked among companies with meaningful P/S only.	ORI' s P/S Range Over the Past 10 Years Min: 0.41 Med: 0.81 Max: 1.43 Current: 1.06 0.41 - 1.43
PFCF	15.31	ORI's PFCF is ranked lower than 69% of the 101 Companies in the Global Insurance - Diversified industry. ( Industry Median: 8.86 vs. ORI: 15.31 ) Ranked among companies with meaningful PFCF only.	ORI' s PFCF Range Over the Past 10 Years Min: 2.67 Med: 5.99 Max: 465 Current: 15.31 2.67 - 465
POCF	15.31	ORI's POCF is ranked lower than 75% of the 121 Companies in the Global Insurance - Diversified industry. ( Industry Median: 8.19 vs. ORI: 15.31 ) Ranked among companies with meaningful POCF only.	ORI' s POCF Range Over the Past 10 Years Min: 2.67 Med: 5.86 Max: 465 Current: 15.31 2.67 - 465
Shiller P/E	54.84	ORI's Shiller P/E is ranked lower than 96% of the 24 Companies in the Global Insurance - Diversified industry. ( Industry Median: 17.79 vs. ORI: 54.84 ) Ranked among companies with meaningful Shiller P/E only.	ORI' s Shiller P/E Range Over the Past 10 Years Min: 4.93 Med: 11.42 Max: 55.63 Current: 54.84 4.93 - 55.63

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	3.62	ORI's Dividend Yield is ranked lower than 59% of the 285 Companies in the Global Insurance - Diversified industry. ( Industry Median: 4.26 vs. ORI: 3.62 ) Ranked among companies with meaningful Dividend Yield only.	ORI' s Dividend Yield Range Over the Past 10 Years Min: 2.46 Med: 4.94 Max: 11.25 Current: 3.62 2.46 - 11.25
Dividend Payout	0.50	ORI's Dividend Payout is ranked higher than 77% of the 133 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.43 vs. ORI: 0.50 ) Ranked among companies with meaningful Dividend Payout only.	ORI' s Dividend Payout Range Over the Past 10 Years Min: 0.46 Med: 0.5 Max: 5.31 Current: 0.5 0.46 - 5.31
Dividend Growth (3y)	1.40	ORI's Dividend Growth (3y) is ranked lower than 72% of the 61 Companies in the Global Insurance - Diversified industry. ( Industry Median: 8.70 vs. ORI: 1.40 ) Ranked among companies with meaningful Dividend Growth (3y) only.	ORI' s Dividend Growth (3y) Range Over the Past 10 Years Min: -5.8 Med: 8.5 Max: 18.2 Current: 1.4 -5.8 - 18.2
Forward Dividend Yield	3.61	ORI's Forward Dividend Yield is ranked lower than 61% of the 274 Companies in the Global Insurance - Diversified industry. ( Industry Median: 4.39 vs. ORI: 3.61 ) Ranked among companies with meaningful Forward Dividend Yield only.	N/A
Yield on cost (5-Year)	3.53	ORI's Yield on cost (5-Year) is ranked lower than 79% of the 282 Companies in the Global Insurance - Diversified industry. ( Industry Median: 5.33 vs. ORI: 3.53 ) Ranked among companies with meaningful Yield on cost (5-Year) only.	ORI' s Yield on cost (5-Year) Range Over the Past 10 Years Min: 2.4 Med: 4.82 Max: 10.97 Current: 3.53 2.4 - 10.97
3-Year Average Share Buyback Ratio	-0.30	ORI's 3-Year Average Share Buyback Ratio is ranked higher than 61% of the 85 Companies in the Global Insurance - Diversified industry. ( Industry Median: -0.80 vs. ORI: -0.30 ) Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.	ORI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years Min: -4 Med: -0.3 Max: 5.4 Current: -0.3 -4 - 5.4

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1.22	ORI's Price/Tangible Book is ranked higher than 58% of the 180 Companies in the Global Insurance - Diversified industry. ( Industry Median: 1.49 vs. ORI: 1.22 ) Ranked among companies with meaningful Price/Tangible Book only.	ORI' s Price/Tangible Book Range Over the Past 10 Years Min: 0.62 Med: 1.16 Max: 1.6 Current: 1.22 0.62 - 1.6
Price/Projected FCF	0.90	ORI's Price/Projected FCF is ranked lower than 68% of the 57 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.68 vs. ORI: 0.90 ) Ranked among companies with meaningful Price/Projected FCF only.	ORI' s Price/Projected FCF Range Over the Past 10 Years Min: 0.23 Med: 0.43 Max: 1.05 Current: 0.9 0.23 - 1.05
Price/Median PS Value	1.29	ORI's Price/Median PS Value is ranked lower than 83% of the 160 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.99 vs. ORI: 1.29 ) Ranked among companies with meaningful Price/Median PS Value only.	ORI' s Price/Median PS Value Range Over the Past 10 Years Min: 0.63 Med: 1.18 Max: 2.29 Current: 1.29 0.63 - 2.29
Price/Graham Number	0.83	ORI's Price/Graham Number is ranked higher than 53% of the 139 Companies in the Global Insurance - Diversified industry. ( Industry Median: 0.87 vs. ORI: 0.83 ) Ranked among companies with meaningful Price/Graham Number only.	ORI' s Price/Graham Number Range Over the Past 10 Years Min: 0.51 Med: 0.76 Max: 2 Current: 0.83 0.51 - 2
Earnings Yield (Greenblatt) (%)	-24.62	ORI's Earnings Yield (Greenblatt) (%) is ranked lower than 95% of the 170 Companies in the Global Insurance - Diversified industry. ( Industry Median: 9.80 vs. ORI: -24.62 ) Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.	ORI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years Min: -25.25 Med: 12.6 Max: 24.2 Current: -24.62 -25.25 - 24.2
Forward Rate of Return (Yacktman) (%)	8.49	ORI's Forward Rate of Return (Yacktman) (%) is ranked lower than 61% of the 54 Companies in the Global Insurance - Diversified industry. ( Industry Median: 16.77 vs. ORI: 8.49 ) Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.	ORI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years Min: 1.4 Med: 19.9 Max: 37.1 Current: 8.49 1.4 - 37.1

More Statistics

Revenue (TTM) (Mil) $	5,900
EPS (TTM) $	1.63
Beta	1.22
Short Percentage of Float	1.62%
52-Week Range $	16.51 - 21.19
Shares Outstanding (Mil)	262.60

Analyst Estimate

	Dec17	Dec18
Revenue (Mil $)
EPS ($)	1.42	1.42
EPS w/o NRI ($)	1.42	1.42
EPS Growth Rate (3Y to 5Y Estimate)	N/A
Dividends Per Share ($)

» More Articles for ORI

Headlines

Articles On GuruFocus.com

The 6 Best Dividend Paying Insurance Stocks for 2017 Jan 15 2017

Meridian Funds Comments on Old Republic International Corp Mar 07 2016

Meridian Contrarian Fund Semi-Annual Shareholder Letter Mar 07 2016

Kahn Brothers Sells Part of Stake in Pfizer in 4th Quarter Feb 09 2016

Prem Watsa Sells Polypore, Advent Software Jan 07 2016

Kahn Brothers Adds to Stake in Financial Services Company Nov 10 2015

Kahn Brothers Reduces Stake in Old Republic International Aug 05 2015

Kahn Brothers' Most Weighted Trades in Q2 2015 Jul 30 2015

5 Dividend Champion Stocks May 06 2015

20 Solid Dividend Growth Stocks With A Reasonable Pricing Apr 28 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

Home About Jobs Advertise Site Map Term of Use Privacy Policy RSS Mobile App Email Alerts Referral Program Affiliate Program FAQ Contact Us
Disclaimers: GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.

Value Screens

Downloads | Tools

Strategies

Market Valuation

By Country

Articles

Submit Articles

Financial Strength : 7/10

Profitability & Growth : 5/10

Financials

Warning Signs

Guru Trades

ORI Guru Trades in Q1 2016

ORI Guru Trades in Q2 2016

ORI Guru Trades in Q3 2016

ORI Guru Trades in Q4 2016

Insider Trades

Latest Guru Trades with ORI

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Guru Investment Theses on Old Republic International Corp

Meridian Funds Comments on Old Republic International Corp - Mar 07, 2016

Top Ranked Articles about Old Republic International Corp

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Value Screens

Downloads | Tools

Strategies

Market Valuation

By Country

Articles

Submit Articles

Financial Strength : 7/10

Profitability & Growth : 5/10

Financials .earnings_date { color: #000000; font-size: 12px; font-weight: normal; }

Warning Signs

Guru Trades

ORI Guru Trades in Q1 2016

ORI Guru Trades in Q2 2016

ORI Guru Trades in Q3 2016

ORI Guru Trades in Q4 2016

Insider Trades

Latest Guru Trades with ORI

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Guru Investment Theses on Old Republic International Corp

Meridian Funds Comments on Old Republic International Corp - Mar 07, 2016

Top Ranked Articles about Old Republic International Corp

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Financials