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/research/ORI (free sign-up required for the full ranking).

Which hedge funds own the most ORI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ORI include BlackRock,, Bank of New York Mellon, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/ORI as soon as new 13F filings post.

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 are ORI's largest expenses?

OLD REPUBLIC INTERNATIONAL CORP's latest 10-Q reports these as the largest expense items: Loss and loss adjustment expenses ($835.5M, +8.2% YoY); Underwriting, acquisition, and other expenses ($1,128.0M, +11.6% YoY); Income taxes ($83.8M, +36.0% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 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

70.4/100

Rank #310 of 2,879 stocksTOP 25%

View Financials peers →

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

Revenue Growth

68.6/100

Profitability

73.7/100

Balance Sheet

61.3/100

Earnings Quality

69.1/100

Free Cash Flow

70.0/100

Institutional Flow

44.6/100

Revenue Scale

85.7/100

Dilution Risk

74.6/100

ORI Stock Analysis & AI Quality Score

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 70.4/100 on a 32-signal composite quality model, placing it at rank #310 of 2,879 stocks — the top 25% of the AI-ranked universe. ORI scores in the top quartile across revenue scale (85.7). Based on the latest XBRL financial filings (Q1 2026), OLD REPUBLIC INTERNATIONAL CORP reports quarterly revenue of $2.4B, net income of $330.0M, an operating margin of 17.2%. 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 70.4 — an improving long-term trajectory across 30 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

AI-extracted from OLD REPUBLIC INTERNATIONAL CORP's 10-Q filed 2026-05-01 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Old Republic reported Q1 net income of $330.0M (+35% YoY), driven by strong premium growth and realized investment gains, though operating underwriting income declined 48.7% as Specialty Insurance faced elevated costs.

Largest Expense Items

Loss and loss adjustment expenses$835.5M+8.2% YoY

Specialty Insurance current year loss ratio remained 65.2% but prior year favorable development declined to 1.6 points; Title Insurance loss ratio held steady at 2.6 points with higher prior year favorable development offset by slightly higher current year losses.

Underwriting, acquisition, and other expenses$1,128.0M+11.6% YoY

Elevated primarily due to start-up costs of new Specialty Insurance operating companies not yet at scale, IT modernization projects with redundant legacy systems still in service, and investments in data analytics and artificial intelligence.

Income taxes$83.8M+36.0% YoY

Effective tax rate of 20.3% reflects varying proportions of tax-preferred investment income.

Margins: Consolidated combined ratio increased to 96.6% from 93.7% YoY, primarily due to Specialty Insurance ratio of 94.8% (up 500bps) from lower prior year development and elevated expense ratio from strategic IT and AI investments; Title Insurance improved to 100.1% from 102.1% despite challenging market conditions.

Watch Items from the Filing

Specialty Insurance expense ratio elevated at 31.2% (vs. 28.1% prior year) due to six new operating companies not yet at scale taking 3-5 years to break even, plus multi-year IT modernization projects with overlapping legacy system costs; management expects expenses to decline in coming years as projects complete.
Regulatory approval received for Everett Cash Mutual Insurance acquisition with policyholder vote and closing conditions expected to close Q3 2026; will expand Specialty Insurance segment capacity.
Title Insurance combined ratio remains above target range at 100.1% amid difficult real estate environment, though improving from 102.1% prior year; segment targeted 90-95% range over full underwriting cycle.
Senior Notes of $549.7M due August 2026 mature within five months; company has adequate liquidity sources to retire or refinance without market pressure.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

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

Revenue

Q1 2026

$2.4B

Net Income

Q1 2026

$330.0M

Free Cash Flow

Q1 2026

$281.4M

Operating Margin

Q1 2026

17.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+1.8% YoY

$8.23BFY 2024

FY20 $7.17BFY21 $9.34BFY22 $8.08BFY24 $8.23B

Net Income

+24.2% YoY

$852.7MFY 2024

FY20 $558.6MFY21 $1.53BFY22 $686.4MFY24 $852.7M

EPS (Diluted)

+43.4% YoY

$3.24FY 2024

FY20 $1.87FY21 $5.05FY22 $2.26FY24 $3.24

Total Assets

+10.7% YoY

$27.84BFY 2024

FY20 $22.82BFY21 $24.98BFY22 $25.16BFY24 $27.84B

Op. Cash Flow

+5.4% YoY

$1.23BFY 2024

FY20 $1.19BFY21 $1.31BFY22 $1.17BFY24 $1.23B

Metric	FY 2024	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$8.23B +1.8%	$8.08B -13.5%	$9.34B +30.4%	$7.17B -3.9%	$7.46B +19.2%	$6.26B
Net Income	$852.7M +24.2%	$686.4M -55.3%	$1.53B +174.7%	$558.6M -47.1%	$1.06B +185.1%	$370.5M
EPS (Diluted)	$3.24 +43.4%	$2.26 -55.2%	$5.05 +170.1%	$1.87 -46.7%	$3.51 +183.1%	$1.24
Total Assets	$27.84B +10.7%	$25.16B +0.7%	$24.98B +9.5%	$22.82B +8.3%	$21.08B +9.1%	$19.33B
Operating Cash Flow	$1.23B +5.4%	$1.17B -10.8%	$1.31B +10.7%	$1.19B +26.6%	$936.2M +23.1%	$760.5M

AI Insight: ORI Financial Trends

Old Republic's earnings volatility persists with net income swinging from $206M to $330M quarter-over-quarter despite steady revenue growth.

• Revenue grew 13% from Q2 2024 ($1,872M) to Q1 2026 ($2,399M) showing consistent expansion.

• Net income remains highly volatile, ranging from $92M to $339M across quarters with no clear pattern.

• Operating cash flow fluctuated dramatically from $134M in Q2 2025 to $564M in Q3 2025.

⚠ Equity declined from $6,423M in Q3 2025 to $5,912M in Q1 2026 despite positive earnings.

⚠ Net income volatility suggests potential underwriting cycle impacts or investment mark-to-market swings.

AI Insight: ORI Ratio Trends

Old Republic's profitability shows strong quarterly volatility with Q1 2026 delivering the highest operating margin at 17.2% in nearly two years.

• Operating margin surged from 11.0% in Q4 2025 to 17.2% in Q1 2026, the highest since Q3 2024's 18.2%.

• ROIC jumped from 17.8% in Q4 2025 to 28.0% in Q1 2026, marking the strongest quarter since Q3 2024.

• ROE expanded from 14.0% in Q4 2025 to 22.3% in Q1 2026, reflecting improved profitability momentum.

⚠ Profitability exhibits significant quarterly volatility with margins swinging between 6% and 18% across recent quarters.

⚠ Q4 quarters consistently show weaker margins than Q1 quarters, suggesting potential seasonal headwinds.

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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.
$1.0B26,312,027 sh
Bank of New York Mellon Corp
$488.4M12,241,253 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$479.5M12,018,698 sh
STATE STREET CORP
$402.4M10,084,248 sh
VANGUARD CAPITAL MANAGEMENT LLC
$397.1M9,951,247 sh
GEODE CAPITAL MANAGEMENT, LLC
$307.0M7,685,979 sh
VICTORY CAPITAL MANAGEMENT INC
$276.5M6,930,525 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$275.4M6,901,189 sh
DIMENSIONAL FUND ADVISORS LP
$268.2M6,721,774 sh
AQR CAPITAL MANAGEMENT LLC
$230.8M5,783,670 sh

Fund	Value	Shares
BlackRock, Inc.	$1.0B	26,312,027
Bank of New York Mellon Corp	$488.4M	12,241,253
VANGUARD PORTFOLIO MANAGEMENT LLC	$479.5M	12,018,698
STATE STREET CORP	$402.4M	10,084,248
VANGUARD CAPITAL MANAGEMENT LLC	$397.1M	9,951,247
GEODE CAPITAL MANAGEMENT, LLC	$307.0M	7,685,979
VICTORY CAPITAL MANAGEMENT INC	$276.5M	6,930,525
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$275.4M	6,901,189
DIMENSIONAL FUND ADVISORS LP	$268.2M	6,721,774
AQR CAPITAL MANAGEMENT LLC	$230.8M	5,783,670

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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.

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.