OLD REPUBLIC INTERNATIONAL CORP(ORI)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
OLD REPUBLIC INTERNATIONAL CORP (ORI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores ORI at 71.1/100 on a 32-signal composite quality model, placing it at rank #198 of 2,960 stocks — the top 10% of the AI-ranked universe. ORI scores in the top quartile across revenue scale (86.2). Based on the latest XBRL financial filings (Q2 2026), OLD REPUBLIC INTERNATIONAL CORP reports quarterly revenue of $2.5B, net income of $322.3M, an operating margin of 16.4%. Top institutional holders of ORI by reported 13-F value include BlackRock, Bank of New York Mellon, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. ORI trades on the NYSE exchange and files with the SEC under CIK 74260. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ORI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OLD REPUBLIC INTERNATIONAL CORP directly from SEC EDGAR.
AI Quality Score
71.1/100
AI Rank
#198
Revenue
$2.5B
Net Income
$322.3M
Operating Margin
16.4%
ORI key financials by period
OLD REPUBLIC INTERNATIONAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$9.1B
$935.4M
13.0%
FY 2024
10-K
$8.2B
$852.7M
13.0%
FY 2023
10-K
$7.3B
$598.6M
10.3%
FY 2022
10-K
$8.1B
$686.4M
10.6%
FY 2021
10-K
$9.3B
$1.5B
20.6%
FY 2020
10-K
$7.2B
$558.6M
9.6%
Institutions holding ORI
Institutional investors reporting a position in OLD REPUBLIC INTERNATIONAL CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-31 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total revenue of $2,503.8M and net income of $322.3M were lifted by $172.4M of investment gains, while operating income fell 11.1% and the combined ratio worsened to 95.3%.
Biggest Revenue Drivers
Net premiums and fees earned$2,097.8M+5.2% YoY
Modest growth in Specialty Insurance and strong growth in Title Insurance
Net investment income$182.0M+6.1% YoY
Higher average invested asset base from strong operating results and proceeds from the May 2026 debt issuance
Biggest Revenue Drivers
Total revenue: $2,503.8M
Net premiums and fees earned$2,097.8M+5.2% YoY
Modest growth in Specialty Insurance and strong growth in Title Insurance
Within Net premiums and fees earned
Specialty Insurance$1,323.8M+2.3% YoY
Premium rate increases and new business production, partially offset by a decline in renewal retention ratios
Title Insurance$772.6M+10.7% YoY
Solid growth in both agency and directly produced premiums with continued strong commercial business production
Net investment income$182.0M+6.1% YoY
Higher average invested asset base from strong operating results and proceeds from the May 2026 debt issuance
Total net investment gains$172.4M
Includes $134.2M unrealized from changes in fair value of equity securities and $38.1M realized and impairments
Largest Expense Items
Underwriting, acquisition, and other expenses$1,170.2M+6.4% YoY
Elevated from start-up operating companies not at scale, IT modernization, data and analytics, AI, and related personnel costs
Loss and loss adjustment expenses$892.4M
Consolidated loss ratio 42.7% vs 41.6%, driven by lower favorable prior year development
Interest and other charges$26.5M+50.3% YoY
Increased interest costs associated with the May 2026 issuance of $700.0M Senior Notes
Margins: Consolidated combined ratio rose to 95.3% from 93.6%, as Specialty Insurance deteriorated to 95.5% from 90.7% on lower favorable development and an elevated 29.6% expense ratio; Title improved to 95.1% from 99.0%.
Watch Items from the Filing
Specialty Insurance underwriting income fell 50.5% to $59.3M; combined ratio 95.5% vs 90.7%, above the segment's 90-95% target range.
Approximately $40M (3.0 points) of unfavorable reserve development from run-off transactional risk business; financial indemnity loss ratio 101.2% vs 56.4%.
Consolidated favorable prior year loss reserve development was only 0.1 points, compared to 2.1 points last year.
Debt-to-equity rose to 37.6% from 26.9% after the $700.0M Senior Notes issuance; $550.0M of notes mature August 2026.
Commercial auto is 42.6% of Specialty net premiums earned at a 69.4% loss ratio; ECM acquisition closed July 1, 2026 with an expected ~$125M gain.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
