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Upturn AI SWOT - About
ORI 
Old Republic International Corp (ORI)
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Upturn Advisory Summary
04/01/2025: ORI (3-star) is a STRONG-BUY. BUY since 48 days. Profits (9.97%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 25.51% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.79B USD | Price to earnings Ratio 12.23 | 1Y Target Price 40.5 |
Price to earnings Ratio 12.23 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 1339052 | Beta 0.89 | 52 Weeks Range 26.19 - 39.84 | Updated Date 04/1/2025 |
52 Weeks Range 26.19 - 39.84 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 3.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.36% | Operating Margin (TTM) 7.4% |
Management Effectiveness
Return on Assets (TTM) 2.64% | Return on Equity (TTM) 14.18% |
Valuation
Trailing PE 12.23 | Forward PE - | Enterprise Value 11080388462 | Price to Sales(TTM) 1.19 |
Enterprise Value 11080388462 | Price to Sales(TTM) 1.19 | ||
Enterprise Value to Revenue 1.35 | Enterprise Value to EBITDA - | Shares Outstanding 247162000 | Shares Floating 224372426 |
Shares Outstanding 247162000 | Shares Floating 224372426 | ||
Percent Insiders 7.76 | Percent Institutions 72.03 |
Analyst Ratings
Rating 3.67 | Target Price 38.5 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Old Republic International Corp
Company Overview
History and Background
Old Republic International Corp was founded in 1923. Originally focused on insurance for the coal mining industry, it has evolved into a diversified insurance holding company with a strong presence in title insurance, general insurance, and mortgage insurance.
Core Business Areas
- General Insurance: Offers commercial property and casualty insurance, serving a wide range of businesses. This includes coverage for workers' compensation, commercial auto, and general liability.
- Title Insurance: Provides title insurance policies to protect against losses arising from defects in title to real estate. Services include title searches, examinations, and insurance policies for both residential and commercial properties.
- Republic Financial Indemnity Group (RFIG) Run-Off: This segment represents businesses that are no longer actively underwritten. It focuses on managing existing insurance obligations and claims.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure is designed to support decentralized operations within each of its business segments, with oversight from corporate headquarters.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for commercial vehicles. Market share data varies, but Old Republic is a significant player in this market. Competitors include Progressive, Travelers, and Hartford Financial Services.
- Revenue: Revenue from Commercial Auto Insurance is significant and contributes substantially to the General Insurance segment's overall revenue.
- Revenue: Revenue from Title Insurance Policies represents a major component of the Title Insurance segment's revenue.
- Title Insurance Policies: Protects real estate owners and lenders against losses from defects in title. Old Republic Title is one of the largest title insurers in the United States, competing with Fidelity National Financial and First American Financial. Market share is approximately 14-16%.
- Revenue: Revenue from Workers' Compensation Insurance is a key revenue driver within the General Insurance segment.
- Workers' Compensation Insurance: Offers insurance coverage for employees who suffer job-related injuries or illnesses. Competitors include Travelers, Hartford Financial Services and Liberty Mutual.
Market Dynamics
Industry Overview
The insurance industry is characterized by cyclicality, intense competition, and regulatory oversight. Key trends include increasing use of technology, evolving customer expectations, and the impact of macroeconomic factors on insurance claims and investment returns.
Positioning
Old Republic International Corp is positioned as a specialist insurer focused on providing niche insurance products and services. Its competitive advantages include its long-standing reputation, underwriting expertise, and strong capital position.
Total Addressable Market (TAM)
The total addressable market for Old Republic's segments (general, title, and mortgage insurance) amounts to hundreds of billions of dollars annually. Old Republic's revenue represents a small, single digit percentage of this, which implies significant opportunity to grow in all sectors.
Upturn SWOT Analysis
Strengths
- Strong Capital Position
- Underwriting Expertise
- Diversified Business Model
- Long-Standing Reputation
- Disciplined Underwriting Practices
Weaknesses
- Sensitivity to Economic Cycles
- Exposure to Catastrophic Events
- Dependence on Key Personnel
- Reliance on Broker Relationships
- Run-Off Segment Impact
Opportunities
- Expanding into New Geographic Markets
- Developing New Insurance Products
- Leveraging Technology to Improve Efficiency
- Acquiring Smaller Insurance Companies
- Capitalizing on Favorable Pricing Environment
Threats
- Increased Competition
- Regulatory Changes
- Rising Interest Rates
- Economic Downturn
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- FNF
- FAF
- TRV
- HIG
Competitive Landscape
Old Republic International Corp competes with a mix of large national insurers and smaller regional players. Its competitive advantages include its underwriting expertise, strong capital position, and diversified business model. Disadvantages could include its relatively smaller size compared to some of its competitors and sensitivity to economic cycles.
Major Acquisitions
Great American Insurance Company's Crop Division
- Year: 2010
- Acquisition Price (USD millions): 220
- Strategic Rationale: Expanded Old Republic's presence in the specialty agricultural insurance market.
Growth Trajectory and Initiatives
Historical Growth: Old Republic International Corp has experienced moderate growth over the past several years, driven by organic growth in its core business segments and strategic acquisitions.
Future Projections: Analyst estimates vary, but generally project continued moderate growth for Old Republic International Corp, driven by favorable market conditions and the company's strong competitive position.
Recent Initiatives: Recent strategic initiatives include expanding into new geographic markets, developing new insurance products, and investing in technology to improve efficiency.
Summary
Old Republic International Corp is a stable and well-managed insurance holding company with a long history of profitability and dividend payouts. The company's diversified business model and underwriting expertise are key strengths, but it faces challenges related to economic cycles, competition, and regulatory oversight. While the company has had a few acquisitions, the lack of many acquisitions may cause a lack of growth that is dependent on interest rates. They need to look out for risks from catastrophic events and cybersecurity incidents and ensure mitigation strategies are in place. The company has a good growth trajectory.
Similar Companies
FAF
First American Corporation
FAF
First American Corporation
FNF
Fidelity National Financial Inc
FNF
Fidelity National Financial Inc
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
LNC
Lincoln National Corporation
LNC
Lincoln National Corporation
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- Old Republic International Corp's Annual and Quarterly Reports
- Financial News Articles
- Market Research Reports
- Insurance Industry Associations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Republic International Corp
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Craig Richard Smiddy | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 9400 | Website https://www.oldrepublic.com |
Full time employees 9400 | Website https://www.oldrepublic.com | ||
Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services primarily in the United States and Canada. The company operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment offers accident and health, aviation, commercial auto, commercial multi-peril, commercial property, excess and surplus, general liability, home and auto warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, directors and officers, and surety. This segment provides its insurance products to businesses, state and local governments, 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' 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. Old Republic International Corporation was founded in 1923 and is based in Chicago, Illinois.
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