COMPARE · Data as of August 27, 2026
ORI vs SAFT
Verdict: Side-by-side breakdown using the Bull Rankings model. ORI scored 77.0, SAFT scored 73.0 — ORI leads.
Compare another set
ORI
Old Republic International Corporation
73.3Fin
$42.24 · $10.2B
fundamentals as of
Strength gap
21.5
ORI leads
SAFT
Safety Insurance Group, Inc.
51.8Fin
$103.79 · $1.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestORI9.3x
- Fastest growthSAFT+13.0%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
ORI
SAFT
+11.0%B
Rev
+13.0%B+
9.3xA-
P/E
22.3xC
18.6%B+
ROE
7.8%C+
1.68B
P/B
1.74B
3.0%B
Yield
3.5%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
ORIOld Republic International Corporation
Why now
Insurance - Property & Casualty · market cap $10.2b. 10% off the 52-week high of $46.76. Revenue growing +11%, comfortably above the S&P median.
Moat
ROE 19% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
SAFTSafety Insurance Group, Inc.
Why now
Insurance - Property & Casualty · market cap $1.5b. Trading near 52-week high of $103.80 — momentum setup, limited technical margin of safety. Revenue growing +13%, comfortably above the S&P median. PEG 0.95 — paying under fair value for the growth rate.
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. ROE 8% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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