profit from every $100 of sales.
$0$100
Old Republic International
$40.04+0.20% today
-6.2% in 1 year
1-year low $36.661-year high $46.62
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $10.27 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Old Republic International sold, what it kept, and what it did with the cash.
Sales went from $8.08 billion in 2022 to $9.14 billion in 2025, with $935 million of profit last year.
SalesProfit
Old Republic International handed back 78% of the cash it generated last year.
$783M
Free cash flow 2025$1.2B
Bought back its own shares$124M
Paid as dividends$783M
Cash vs. debt$263M vs. $1.6B
Old Republic International vs. similar companies
Old Republic International grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Old Republic International | 10.3× · Cheap | ||
 Allianz | 16.8× · Fair price | ||
 Zurich Insurance Group | 17.1× · Fair price | ||
 AXA SA | 9.9× · Cheap | ||
 Assicurazioni Generali | 16.0× · Fair price |
AI analysis
An AI analyst reads Old Republic International's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 7,166 | 9,342 | 8,083 | 7,258 | 8,232 | 9,136 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 758 | 2,005 | 953 | 848 | 1,189 | 1,290 | |
| 559 | 1,534 | 686 | 599 | 853 | 935 | |
| 1.87 | 5.05 | 2.26 | 2.10 | 3.24 | 3.72 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 7.8% | 16.4% | 8.5% | 8.2% | 10.4% | 10.2% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 22,815 | 24,982 | 25,159 | 26,501 | 27,843 | 29,863 |
| Cash | 119 | 158 | 81 | 203 | 202 | 263 |
| Total debt | – | – | 1,597 | 1,591 | 1,589 | 1,590 |
| Total liabilities | 16,629 | 18,089 | 18,986 | 20,091 | 22,224 | 23,935 |
| 6,187 | 6,893 | 6,173 | 6,411 | 5,619 | 5,914 | |
| 299 | 304 | 304 | 285 | 263 | 251 | |
| 9.3% | 22.7% | 9.4% | 8.1% | 12.6% | 13.2% | |
| 9.0% | 22.3% | 11.1% | 9.3% | 15.2% | 15.8% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 1,185 | 1,312 | 1,171 | 880 | 1,233 | 1,164 | |
| – | – | – | – | – | – | |
| – | – | 1,171 | 880 | 1,233 | 1,164 | |
| Dividends paid | 250 | 1,019 | 580 | 276 | 272 | 783 |
| 0 | 0 | 281 | 535 | 942 | 124 | |
| 2 | 3 | 9 | 20 | 33 | 47 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.3×
- 13.0×
- 0.70
- 1.6×
- 1.1×
- 9.7%
- 9.3%
Profitability
- 10.2%
- 4.7%
- 11.2%
- 16.7%
- 4.7%
Growth
- +5.0%
- +14.7%
- +30.3%
- −5.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 48%of 827
Bottom 30%of 709
Top 28%of 876
Bottom 37%of 879
Top 20%of 926
What analysts expect
- Average price target
- $42.00
- Range
- $40.00 – $44.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.68 | 0.79 | −13.9% |
| Jan 22, 2026 | 0.74 | 0.89 | −16.9% |
| Oct 23, 2025 | 1.11 | 0.76 | +45.9% |
| Jul 24, 2025 | 0.83 | 0.79 | +5.1% |
| Apr 24, 2025 | 0.81 | 0.74 | +9.5% |
| Jan 23, 2025 | 0.90 | 0.71 | +26.8% |
| Oct 24, 2024 | 1.32 | 0.73 | +81.6% |
| Jul 25, 2024 | 0.76 | 0.61 | +24.6% |
9.3%of the share price, paid each year
On $1,000 invested$93a year at today's yield, before tax
+30.3%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.74 in 2015 → $3.16 in 2025
How safe it looks
83.7% of its profit
Room to growStretchedMore than it earns: 67.2%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
73Pass
Benjamin Graham
70Pass
Philip Fisher
67Pass
Peter Lynch
65Pass
Joel Greenblatt
47No pass
Charlie Munger
55No pass
Terry Smith
48No pass
Questions about Old Republic International
Is Old Republic International a good stock to buy?
A solid business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Old Republic International AI analysis
What does Old Republic International do?
Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. It is in Insurance - Diversified, based in Chicago, IL, United States, with 9,500 employees.
Does Old Republic International pay a dividend?
Yes. At today's price the dividend is 9.3% a year, about 84% of its yearly profit. In 2025 it paid out $783 million in dividends.
Is Old Republic International stock halal?
No. Old Republic International does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Old Republic International stock done over the past year?
Down 6.2% over the past twelve months, to $40.04. It traded between $36.66 and $46.62 and is 14.1% below its high.
Who are Old Republic International's competitors?
The largest listed companies in the same industry are Allianz, Zurich Insurance Group, AXA SA and Assicurazioni Generali. The peers table on this page compares their profit, growth and price with Old Republic International's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.