Bull Rankings model

Old Republic International Corporation (ORI) stock analysis

Insurance - Property & Casualty. Scored on the same transparent model behind the daily rankings.

★
ORI
Old Republic International Corporation · Insurance - Property & Casualty
76.1Financial strength
$38.15Oct 13 close$9.2B
1Y Target$41.20Model estimate · no analyst coverage
5Y Target$52.02Compound horizon
10Y Target$66.71Long-dated conviction
Rev+11.0%
B
Revenue +11.0% — at or above S&P median
P/E8.4x
A-
P/E 8.4 — cheaper than most Financial Services peers (≈25th pctile)
ROE18.6%
B+
ROE 18.6% — above long-run market (~13%)
P/B1.50
B
P/B 1.50 — fair; a premium the market pays for returns
Yield3.3%
B
Yield 3.3% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 76.1 / 100
Profitability85.7
Value (P/B)64.9
Income72.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
18% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Property & Casualty · market cap $9.2b. 18% off the 52-week high of $46.76. Revenue growing +11%, comfortably above the S&P median.
Moat
ROE 19% is above 15% — 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.
Horizon
1-3 yr $41.20 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $52.02 at ~6% CAGR — dividend + buyback compounding. 10 yr $66.71 if the moat survives secular pressure.

Not enough history yet — the model records ORI's score after each daily run, and the chart appears once a few days have accumulated.

ORI at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY86VALUE65COVERED INCOME7276.1/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$38.2LOW $36.7HIGH $46.8Trading near its 52-week low ($36.7–$46.8).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-11%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.0%
90-day change-0.5%
Forward EPS estimate$3.30

Over the last 90 days, what analysts expect ORI to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
52
Position size
$1,984
4.0% of portfolio
Stop price
$28.61
25% below $38.15
$ at risk if stopped
$495.95
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Old Republic International Corporation (ORI): score, valuation & FAQ

Old Republic International Corporation (ORI) is an Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A-) and ROE (B+).

Is ORI a good stock to buy?

Bull Rankings grades ORI on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-) and ROE (B+). A score is a quantitative screen of Old Republic International Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade ORI?

As a bank, insurer or REIT, ORI isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-) and ROE (B+).

Is ORI overvalued or undervalued?

We don't publish a discounted-cash-flow value for ORI, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. ORI is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in ORI?

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.

New to these metrics? See the guides and the methodology.

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