Yahoo Finance report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Why ORI Stock advanced +0.21% Today — RQD Quant Desk Flash
Old Republic International Corporation (ORI) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is ORI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Old Republic International Corporation (NYSE: ORI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $38.52 (+0.21% 1D, market cap $9.28B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORI ranks #429 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ORI compare to THG and KNSL in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), ORI carries a Roarable C- (60/100 RQD), trailing P/E of 9.9x, gross margin of —, and ROIC of 7.3%. By comparison, THG (Hanover Insurance Group Inc) holds a B+ grade (77/100 RQD, P/E 12.4x, ROIC 9.1%, cap $8.19B) and KNSL (Kinsale Capital Group Inc.) posts a B+ grade (76/100 RQD, P/E 16.2x, ROIC 13.8%, cap $8.17B). Among the 5-stock peer group, AXS leads on earnings multiple (7.3x) while KNSL leads on capital efficiency (13.8% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ORI?
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Per ORI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000074260), Old Republic International Corporation generated $9.14B in revenue (+11.0% YoY), $935.4M in net income, and $753.2M in free cash flow against $29.86B in total assets and $10.77B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
⚔️ Adversarial Opposing Case: Why the ORI Bull Thesis Could Fail
Even with a 60/100 (C-) score, ORI faces multiple-compression risk if 9.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($39.52) or 200D SMA ($40.38) invalidates the momentum regime and cuts Target Base ($38.87) toward Bear Floor ($30.32).
Why ORI Stock advanced +0.21% Today — RQD Quant Desk Flash
Old Republic International Corporation (ORI) advanced +0.21% to $38.52, trading at 18% of its 52-week range ($36.65 – $46.76). Solid steady margins (7% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 18% of its 52-week range ($36.65 – $46.76) with RSI-14 at 45.7 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $38.52 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $753.2M annual free cash flow.
Seeking Alpha report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Warranty partnerships and title agency growth offer steady cash flows while pricing discipline protects margins in a soft market.
Piper Sandler analyst Paul Newsome maintains Old Republic Intl (NYSE:ORI) with a Neutral and raises the price target from $39 to $42.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ORI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
ORI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +11.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ORI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ORI. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ORI)
1. Head-to-Head Financials Peer Comparison (ORI vs. THG, KNSL, AXS, AFG)
Industry: Property-Casualty Insurers (68 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Old Republic International Corporation (ORI) ranks #429 by composite RQD confidence (60/100, grade C-) and #196 by equity capitalization ($9.28B). Within this direct 5-issuer industry benchmark cohort, AXS leads on earnings valuation at 7.3x trailing P/E, while KNSL leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. THG currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with ORI at 60/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ORI
ACTIVE
Old Republic International Corporation | C- | 60/100 | 9.9x | — | 7.3% | +0.21% | $9.28B | Benchmark Subject |
| THG Hanover Insurance Group Inc | B+ | 77/100 | 12.4x | — | 9.1% | +2.96% | $8.19B | /thg-vs-ori → |
| KNSL Kinsale Capital Group Inc. | B+ | 76/100 | 16.2x | — | 13.8% | +0.76% | $8.17B | /knsl-vs-ori → |
| AXS Axis Capital Holdings Limited | D | 48/100 | 7.3x | — | 5.6% | +1.97% | $7.38B | /axs-vs-ori → |
| AFG American Financial Group Inc. | B | 73/100 | 15.1x | — | 5.7% | +0.50% | $12.70B | /afg-vs-ori → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000074260In its most recent audited fiscal period (FY2025, filed 2025-12-31), Old Republic International Corporation (ORI) reported GAAP revenue of $9.14B (+11.0% vs. FY2024 revenue of $8.23B , and +25.9% cumulative change since FY2023) , GAAP net income of $935.4M, operating cash flow of $1.16B, and free cash flow of $753.2M (-12.7% YoY). On the balance sheet, ORI closed FY2025 with $29.86B in total assets against $10.77B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $9.14B | $935.4M | $1.16B | $753.2M | $29.86B | $10.77B |
| FY2024 (FY) | 2024-12-31 | $8.23B | $852.7M | $1.23B | $863.0M | $27.84B | $10.00B |
| FY2023 (FY) | 2023-12-31 | $7.26B | $598.6M | $880.4M | $553.8M | $8.71B | $2.04B |
3. ORI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ORI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Old Republic International Corporation (NYSE: ORI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $38.52 (+0.21% 1D, market cap $9.28B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORI ranks #429 in composite RQD confidence.
How does ORI compare to THG and KNSL in the Financials sector?
Within the Financials sector (Property-Casualty Insurers), ORI carries a Roarable C- (60/100 RQD), trailing P/E of 9.9x, gross margin of —, and ROIC of 7.3%. By comparison, THG (Hanover Insurance Group Inc) holds a B+ grade (77/100 RQD, P/E 12.4x, ROIC 9.1%, cap $8.19B) and KNSL (Kinsale Capital Group Inc.) posts a B+ grade (76/100 RQD, P/E 16.2x, ROIC 13.8%, cap $8.17B). Among the 5-stock peer group, AXS leads on earnings multiple (7.3x) while KNSL leads on capital efficiency (13.8% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ORI?
Per ORI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000074260), Old Republic International Corporation generated $9.14B in revenue (+11.0% YoY), $935.4M in net income, and $753.2M in free cash flow against $29.86B in total assets and $10.77B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ORI trading relative to its 50-day, 200-day, and 52-week technical levels?
ORI last traded at $38.52 (+0.21% on volume of 1,894,865 shares), positioning the stock -2.53% below its 50-day simple moving average ($39.52) and -4.61% below its 200-day simple moving average ($40.38). Across its 52-week range of $36.65 to $46.76, ORI sits at the 18.5% percentile with a 14-day RSI of 45.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($36.83 to $40.21).
ORI Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ORI stock moving today?
Why ORI Stock advanced +0.21% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
ORI — Old Republic International Corporation: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, ORI scores 60 out of 100, a letter grade of C-, with the verdict "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine at 12 of 20 (ROIC 7.3%; FCF yield 8.12%); Whale 13F Flow at 7 of 20 (institutional accumulation and options positioning); Insider Conviction at 17 of 20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 9 of 20 (Beta 1; sector sensitivity); and Forensic Balance Sheet at 15 of 20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). The strongest pillar is insider conviction, and the weakest is institutional flow. For a prospective investor, the profile suggests a stock where balance-sheet and insider signals are comparatively supportive, while institutional positioning and macro fit contribute less. Upside drivers cited in the source data center on the cash-flow yield and the forensic balance-sheet readings. Valuation tradeoffs are visible in the market data: the stock trades at a P/E (TTM) of 9.9 and a forward P/E of 9.2, against an ROIC of 7.3%. The 8.43% dividend yield is reported alongside these figures. The Hold verdict reflects that these factors do not combine into a strong conviction signal in either direction.
Snapshot
Business
Old Republic International Corporation (ORI) is a NYSE-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry. Per the company profile, the market capitalization is $9.3B. The source data does not specify its products, customer base, or revenue model beyond the sector and industry classification.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $9136.3M | $1103.8M | $935.4M | N/A | $753.2M | N/A | $10770.4M |
| FY 2024 | $8231.5M | $1006.2M | $852.7M | N/A | $863.0M | N/A | $10000.8M |
| FY 2023 | $7258.3M | $706.3M | $598.6M | N/A | $553.8M | N/A | $2038.1M |
Per the SEC financials, revenue, operating income, and net income rose across the three reported years, and reported net income for FY 2025 was $935.4M. Per the market data, operating margin is 12.5%, net margin is 10.2%, and ROIC is 7.3%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, both per the Roarable RQD forensic pillar. Debt rose from $2038.1M in FY 2023 to $10770.4M in FY 2025, and the Debt/Equity ratio is reported as 0.5. Gross margin is reported as 0%, and cash balances are not available in source data.
Recent Catalysts & News Wire Analysis
Per the recent news feed, ORI-related coverage includes an earnings-call highlights piece on Q3 results, a Q3 2026 earnings call presentation dated 2026-10-22, and a marketscreener.com flash reporting Q3 revenue of $2.55B against a FactSet estimate of $2.49B. A Seeking Alpha piece is headlined "Buybacks Can't Fix Underwriting Pressure," and it is the only item tagged GREEN as a catalyst. The remaining items are tagged YELLOW as market-wire coverage. A MarketBeat item reports an institutional purchase of 86,670 shares by ASK Capital Investment Managers LLC. The Butterfly Supply-Chain Graph reports no supply-chain links and no proprietary signals.
Open Questions
- What are the cash and EPS figures for the reported fiscal years, given that both are marked N/A in the source data?
- What underlying drivers explain the increase in debt from $2038.1M in FY 2023 to $10770.4M in FY 2025?
- What does the "underwriting pressure" referenced in the Seeking Alpha headline consist of, and how does it relate to the reported margins?
- What specific 13F institutional holders and insider transactions make up the Whale and Insider pillar scores?
- What is the company's revenue mix and customer base, which the source data does not describe?
ORI Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Old Republic International Corporation (ORI) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Old Republic International Corporation (ORI) market action, institutional positioning, and fundamental catalysts.
ORI Bull vs. Bear Conversation Board — What's Your Call at $38.52?
🔥 Official Bull vs. Bear Debate: Is ORI (C- • RQD 60/100) a Buy at $38.44?
Welcome to the ORI (Old Republic International Corporation) Roar Pit. Current RQD Composite is 60/100 (Roarable Hold — Cautious Neutral) in Property-Casualty Insurers. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on ORI — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on ORI, but look at what you are paying: 9.9x trailing P/E with tightening sector spreads. Unless Old Republic International Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
ORI cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on ORI, the market is fixating on short-term headline noise in Property-Casualty Insurers and ignoring the balance sheet and cash flow trajectory. At $38.44 (52-wk range $36.65 - $46.76), any beat on forward guidance forces shorts and underweight funds to chase.