# Old Republic International Corporation (ORI) — Stock CV

Old Republic International Corporation is a $9.22B financial services company. Revenue grew 12.1% over the last year, and it keeps 12¢ of every dollar of sales as profit. It trades at 8.1× earnings — in the cheapest third of its own history.

> Old Republic International Corp is engaged in the business of insurance underwriting and related services. The company operates in two segments: Specialty Insurance and Title Insurance.

## Identity

- **Ticker**: ORI
- **Sector**: Financial Services
- **Industry**: Surety Insurance
- **Headquarters**: CHICAGO, IL
- **Employees**: 9 500
- **Website**: https://www.oldrepublic.com
- **Market cap**: $9.22B
- **Last price**: $38.17
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $9.72B
- **Net income**: $1.14B
- **Free cash flow**: $1.28B
- **P/E**: 8.1
- **Revenue growth (YoY)**: 12.1%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 95 |
| Growth | 20 |
| Profitability | 72 |
| Health | 28 |
| Quality | 67 |
| Moat | 43 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [x] Revenue growing — +12.1% YoY
- [x] Profitable — $1.14B TTM
- [x] Profit growing — +18.0% YoY
- [x] Generates cash — $1.28B TTM
- [ ] Debt under control — current ratio 0.38
- [x] Established company — $9.22B market cap
- [x] Not printing shares — -15.9% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 0.5 — distress
- [x] Pays a dividend — yield 9.90%
- [x] Valuation not extreme — P/E 8.1

## Experience (career milestones)

- **FY2021** — Best year on record: $1.53B net income
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $5.90B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Revenue growing 12.1% year over year
- Interest covered 13.8× by operating earnings
- High returns on invested capital (ROIC 21.8%)
- Piotroski F-Score 7/9 — fundamentally strong checklist

## Watch-outs

- Altman Z-Score 0.51 — elevated financial-distress risk

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $9.34B | $1.53B | $1.31B |
| FY2022 | $8.08B | $686M | $1.17B |
| FY2023 | $7.26B | $599M | $880M |
| FY2024 | $8.23B | $853M | $1.23B |
| FY2025 | $9.14B | $935M | $1.16B |

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Source: https://stockcv.com/ORI — derived from company filings; may be delayed or incomplete. Information, not investment advice.