What is the 13F Pro Quality Score for ORI?

13F Pro ranks OLD REPUBLIC INTERNATIONAL CORP (ORI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ORI's current score at https://13fpro.ai/company/ORI (free sign-up required for the full ranking).

Where does 13F Pro source ORI data?

All OLD REPUBLIC INTERNATIONAL CORP fundamentals and ownership data come directly from SEC EDGAR. OLD REPUBLIC INTERNATIONAL CORP files with the SEC under CIK 74260. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ORI in?

OLD REPUBLIC INTERNATIONAL CORP (ORI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives ORI's revenue?

Per OLD REPUBLIC INTERNATIONAL CORP's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Net premiums and fees earned ($2,097.8M, +5.2% YoY); Specialty Insurance ($1,323.8M, +2.3% YoY); Title Insurance ($772.6M, +10.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ORI.

What are ORI's largest expenses?

OLD REPUBLIC INTERNATIONAL CORP's latest 10-Q reports these as the largest expense items: Underwriting, acquisition, and other expenses ($1,170.2M, +6.4% YoY); Loss and loss adjustment expenses ($892.4M); Interest and other charges ($26.5M, +50.3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is ORI research updated on 13F Pro?

ORI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OLD REPUBLIC INTERNATIONAL CORP(ORI)Stock Analysis

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13F Pro Quality Score

71.1/100

Rank #198 of 2,960 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

67.5/100

Profitability

70.0/100

Balance Sheet

63.7/100

Earnings Quality

42.2/100

Free Cash Flow

62.1/100

Institutional Flow

45.1/100

Revenue Scale

86.2/100

Dilution Risk

74.6/100

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Why ORI Scores 71/100

exact factor attribution · 2026-09-11

ORI's composite is driven by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+7.2 pts

86th pct

Revenue growth

+4.7 pts

68th pct

Profitability

+4.0 pts

70th pct

Earnings growth

+2.1 pts

81th pct

Capital efficiency

+1.8 pts

64th pct

Free cash flow

+1.8 pts

62th pct

Shareholder dilution

+1.6 pts

75th pct

Institutional flow

-0.3 pts

45th pct

Earnings quality

-0.8 pts

42th pct

Latest change (2026-07-31): 70 → 68 · ↓ Revenue growth 69→56

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ORI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for OLD REPUBLIC INTERNATIONAL CORP (ORI), 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. OLD REPUBLIC INTERNATIONAL CORP's 13F Pro composite quality score has ranged between 48 and 75 since 2021, currently 71.1 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

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Fun facts about OLD REPUBLIC INTERNATIONAL CORP

Quirks, history, and lore behind ORI — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. insurance holding company · listed on the NYSE · headquartered in Chicago, Illinois · operates across multiple insurance segments.
2
The Numbers
Revenues in the range of $7–8 billion annually, with a balance sheet built on decades of conservative underwriting — this is not a flashy growth stock, it's a steady dividend payer.
3
The History
Traces its roots back to the early 20th century, eventually assembling a family of insurance subsidiaries under one holding structure — a classic mid-century conglomerate play that actually worked.
4
The Secret
Its three main pillars are general insurance, title insurance, and life & health insurance — a rare combo that lets it collect premiums from the cradle to the closing table.
5
The Lore
Its title insurance arm is one of the largest in the country, quietly processing the paperwork every time Americans buy a home — an unglamorous business with a surprisingly wide moat.
6
The Giveaway
The name sounds like a founding-era insurance company — because it basically is — with the word "Republic" right in the middle and a long history of insuring workers' compensation and commercial risks.

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What's Driving ORI's Business? Latest 10-Q Breakdown

✓ 42/42 datapoints verified

AI-extracted from OLD REPUBLIC INTERNATIONAL CORP's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$2.5B

Net Income

Q2 2026

$322.3M

Operating Margin

Q2 2026

16.4%

ROIC

Q2 2026

27.0%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.0% YoY

$9.14BFY 2025

FY22 $8.08BFY23 $7.26BFY24 $8.23BFY25 $9.14B

Net Income

+9.7% YoY

$935.4MFY 2025

FY22 $686.4MFY23 $598.6MFY24 $852.7MFY25 $935.4M

EPS (Diluted)

+14.8% YoY

$3.72FY 2025

FY22 $2.26FY23 $2.10FY24 $3.24FY25 $3.72

Total Assets

+7.3% YoY

$29.86BFY 2025

FY22 $25.16BFY23 $26.50BFY24 $27.84BFY25 $29.86B

Op. Cash Flow

-5.6% YoY

$1.16BFY 2025

FY22 $1.17BFY23 $880.4MFY24 $1.23BFY25 $1.16B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$9.14B +11.0%	$8.23B +13.4%	$7.26B -10.2%	$8.08B -13.5%	$9.34B +30.4%	$7.17B
Net Income	$935.4M +9.7%	$852.7M +42.4%	$598.6M -12.8%	$686.4M -55.3%	$1.53B +174.7%	$558.6M
EPS (Diluted)	$3.72 +14.8%	$3.24 +54.3%	$2.10 -7.1%	$2.26 -55.2%	$5.05 +170.1%	$1.87
Total Assets	$29.86B +7.3%	$27.84B +5.1%	$26.50B +5.3%	$25.16B +0.7%	$24.98B +9.5%	$22.82B
Operating Cash Flow	$1.16B -5.6%	$1.23B +40.1%	$880.4M -24.8%	$1.17B -10.8%	$1.31B +10.7%	$1.19B

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Available Research

13F Pro tracks comprehensive data for OLD REPUBLIC INTERNATIONAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ORI

BlackRock, Inc.
$1.1B26,307,760 sh
Bank of New York Mellon Corp
$491.7M12,015,139 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$474.6M11,598,362 sh
STATE STREET CORP
$411.6M10,059,212 sh
VANGUARD CAPITAL MANAGEMENT LLC
$405.5M9,909,365 sh
GEODE CAPITAL MANAGEMENT, LLC
$320.6M7,824,678 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$306.7M7,495,748 sh
DIMENSIONAL FUND ADVISORS LP
$286.2M6,994,582 sh
VICTORY CAPITAL MANAGEMENT INC
$255.7M6,249,664 sh
AQR CAPITAL MANAGEMENT LLC
$206.1M5,037,110 sh

Fund	Value	Shares
BlackRock, Inc.	$1.1B	26,307,760
Bank of New York Mellon Corp	$491.7M	12,015,139
VANGUARD PORTFOLIO MANAGEMENT LLC	$474.6M	11,598,362
STATE STREET CORP	$411.6M	10,059,212
VANGUARD CAPITAL MANAGEMENT LLC	$405.5M	9,909,365
GEODE CAPITAL MANAGEMENT, LLC	$320.6M	7,824,678
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$306.7M	7,495,748
DIMENSIONAL FUND ADVISORS LP	$286.2M	6,994,582
VICTORY CAPITAL MANAGEMENT INC	$255.7M	6,249,664
AQR CAPITAL MANAGEMENT LLC	$206.1M	5,037,110

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Is ORI a good stock to buy?

13F Pro's AI-powered analysis of OLD REPUBLIC INTERNATIONAL CORP (ORI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ORI are available on the ORI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. ORI is classified as a mid company.

Which hedge funds own ORI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ORI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OLD REPUBLIC INTERNATIONAL CORP's investment landscape.