10 Year Financial Data of Old Republic International (ORI)

13.81 (1y: +38%)

Market Cap	3.62 B	P/E(ttm)
Enterprise Value	3.62 B	P/B	1.00

ORI- NYSE (USA)
Old Republic International

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$13.81

1 Severe Warning Sign 4 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	2.4	8.1	5.2
EBITDA Growth (%)	0	0	0
Free Cash Flow Growth (%)	0	0	11800
Book Value Growth (%)	-1.4	-1.4	-14.7

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	14.34	15.13	16.40	16.28	17.56	13.99	16.14	17.00	18.21	19.43	19.25	4.53	4.79	5.10	5.01	4.35
EBITDA per Share	3.00	2.86	3.26	2.96	--	-3.54	-1.16	0.11	-0.93	-0.50	-0.20	-0.01	-0.23	-0.12	-0.14	0.29
Free Cashflow per Share	3.20	3.50	3.63	4.23	3.62	2.44	2.26	-1.17	-0.37	2.08	2.38	0.19	0.32	0.75	0.82	0.49
Earnings per Share ($)	2.01	1.89	2.37	1.99	1.17	-2.41	-0.42	0.13	-0.55	-0.27	-0.06	--	-0.13	-0.06	-0.08	0.21
Dividends Per Share	0.36	0.40	0.51	0.59	0.63	0.67	0.68	0.69	0.70	0.89	0.71	0.35	0.18	0.18	0.18	0.18
Book Value per Share	15.51	16.75	17.34	18.75	19.50	16.16	16.51	17.08	14.79	14.06	12.58	14.75	14.52	14.42	14.04	12.58
Month End Stock Price	20.29	20.26	21.14	23.28	15.41	11.92	10.04	13.63	9.27	10.65	12.71	10.55	8.29	9.30	10.65	12.71
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	12.90	11.30	13.70	10.60	6.00	-14.90	-2.50	0.70	-3.70	-1.90	6.00	--	-3.60	-1.60	-2.40	6.00
Return on Assets %	4.70	4.10	4.80	3.70	2.00	-4.20	-0.70	0.20	-0.90	-0.40	1.20	--	-0.80	-0.40	-0.40	1.20
Return on Capital - Joel Greenblatt %	--	--	--	--	--	-66.70	-23.90	--	--	--	--	--	--	--	--	--
Debt to Equity	0.04	0.04	0.04	0.03	0.01	0.41	0.40	0.12	0.24	0.16	--	0.24	0.16	0.16	0.16	--

Operating Margin %	20.90	18.90	19.90	18.20	--	-25.30	-7.20	0.70	-5.10	-2.60	6.70	-0.20	-4.80	-2.40	-2.80	6.70
Net Margin %	14.00	12.50	14.50	12.30	6.70	-17.20	-2.60	0.70	-3.00	-1.40	4.40	--	-2.80	-1.10	-1.60	4.40

Debt to Revenue	0.04	0.04	0.04	0.04	0.02	0.47	0.41	0.12	0.20	0.12	--	0.79	0.47	0.44	0.45	--
Interest Exp. to Revenue %	-0.24	-0.26	-0.25	-0.26	-0.18	-0.08	-0.64	-0.78	-1.37	-0.73	-0.46	-1.29	-0.79	-0.45	-0.45	-0.46

Asset Turnover	0.34	0.33	0.33	0.30	0.31	0.24	0.27	0.26	0.29	0.31	0.08	0.07	0.08	0.08	0.08	0.08
Buyback Ratio	-2.10	-3.40	-3.30	-4.10	-5.50	15.40	1.40	-10.60	0.90	1.50	-0.90	-75.00	0.60	1.30	1.50	-0.90
Dividend Payout Ratio	0.18	0.21	0.22	0.30	0.54	--	--	5.53	--	--	0.94	226	--	--	--	0.94
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	2,582	2,805	3,062	3,154	3,389	3,318	3,112	3,226	3,696	4,044	4,160	1,038	981	1,061	1,057	1,060
Net Investment Income	279	291	310	342	380	377	384	379	365	337	330	85.80	85.00	82.00	83.60	79.30
Fees and Other Income	425	396	434	299	322	-458	309	498	585	590	592	34.70	158	161	142	130
Revenue	3,286	3,492	3,806	3,794	4,091	3,238	3,804	4,103	4,646	4,970	5,082	1,158	1,224	1,305	1,283	1,270

Selling, General, &Admin. Expense	--	--	--	--	--	--	1,478	1,810	2,136	5,099	5,117	--	1,282	1,336	1,320	1,180
Policyholder Benefits & Claims	2,210	2,613	2,926	3,072	4,314	5,416	5,190	4,519	2,731	2,747	2,713	613	713	734	687	579
Policy Acquisition Expense	1,485	1,524	1,583	1,564	1,539	1,339	1,454	1,778	2,072	2,297	2,364	529	556	590	622	596
Earnings Before DDA	688	660	757	690	--	-819	-274	27.60	-237	-129	-41.30	-2.70	-58.30	-31.10	-36.50	84.60


Operating Income	688	660	757	690	--	-819	-274	27.60	-237	-129	-41.30	-2.70	-58.30	-31.10	-36.50	84.60
Net Income	460	435	551	465	272	-558	-99.10	30.10	-141	-68.60	-12.80	0.40	-34.00	-14.80	-20.20	56.20

Earnings per Share ($)	2.01	1.89	2.37	1.99	1.17	-2.41	-0.42	0.13	-0.55	-0.27	-0.06	--	-0.13	-0.06	-0.08	0.21
Total Shares Outstanding	229	231	232	233	233	231	236	241	255	256	292	256	256	256	256	292
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	5,741	6,456	6,877	6,833	7,384	7,407	8,327	8,532	8,393	8,566	8,672	8,405	8,387	8,409	8,566	8,672
Equity Investments	514	459	552	669	842	350	503	672	581	740	873	643	628	675	740	873
Short-term investments	404	389	275	494	463	918	851	1,045	1,512	1,295	1,218	1,462	1,209	1,320	1,295	1,218
Cash and cash equivalents	47.20	60.50	68.30	71.60	54.00	63.90	77.30	127	93.00	101	123	117	109	126	101	123
Accounts Receivable	651	690	944	1,110	1,022	874	938	1,228	1,323	1,207	1,239	1,401	1,523	1,484	1,207	1,239
Deferred Policy Acquisition Costs	222	232	240	265	247	223	207	231	198	166	168	190	180	176	166	168
Total Assets	9,712	10,571	11,543	12,612	13,291	13,266	14,190	15,883	16,050	16,227	16,411	16,165	15,875	16,188	16,227	16,411

Unpaid Loss & Loss Reserve	5,010	4,579	5,129	5,723	6,421	7,241	7,915	8,815	8,787	9,303	9,353	8,725	8,966	9,159	9,303	9,353
Unearned Premiums	815	903	1,039	1,209	1,182	1,112	1,038	1,232	1,269	1,364	1,428	1,332	1,344	1,432	1,364	1,428
Future Policy Benefits	101	--	--	--	--	--	--	--	--	--	1,629	--	--	--	--	1,629
Policyholder Funds	71.30	176	189	189	190	181	185	192	193	202	201	285	190	193	202	201
Current Portion of Long-Term Debt	--	--	--	--	--	1,293	1,223	--	--	--	--	--	--	--	--	--
Other liabilities	-182	659	663	977	891	-1,064	-997	239	279	677	-379	264	227	220	677	-379
Long-Term Debt	138	143	143	144	64.10	233	347	475	913	573	--	910	574	573	573	--
Total Liabilities	6,159	6,705	7,519	8,243	8,749	9,526	10,299	11,761	12,278	12,631	12,737	12,392	12,163	12,497	12,631	12,737

Common Stock	184	185	230	231	232	241	241	259	259	259	260	259	259	259	259	260
Retained Earnings	2,897	3,240	3,445	3,774	3,900	3,187	2,927	2,791	2,472	2,222	2,232	2,428	2,348	2,288	2,222	2,232
Additional Paid-In Capital	246	270	289	320	344	405	412	650	658	661	660	659	660	661	661	660
Treasury Stock	-10.00	-10.00	--	--	-28.30	--	--	--	--	--	--	--	--	--	--	--
Total Equity	3,554	3,866	4,024	4,369	4,542	3,740	3,891	4,121	3,773	3,596	3,673	3,773	3,712	3,690	3,596	3,673
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	460	435	551	465	272	-558	-99.10	30.10	-141	-68.60	-12.80	0.40	-33.90	-14.90	-20.20	56.20
Cash Flow from Others	296	393	329	540	590	1,124	632	-312	45.60	601	639	48.60	115	207	230	87.00
Cash Flow from Operations	756	828	880	1,005	863	566	533	-282	-94.90	532	626	49.00	81.30	192	210	143

Investment for Property, Plant & Equipement	-22.10	-20.10	-37.60	-19.60	-20.30	--	--	--	--	--	--	--	--	--	--	--
Cash Flow from Acquisitions	--	--	--	-17.60	-0.50	-4.30	-3.50	17.80	--	5.80	5.80	--	--	--	5.80	--
Cash Flow from Investing	-382	-750	-590	-887	-643	-607	-465	500	-187	-3.70	-99.20	23.40	292	-130	-189	-72.10

Net Issuance of Stock	--	--	18.40	18.90	-13.30	86.10	1.40	3.20	1.20	1.00	1.20	0.30	0.20	0.20	0.30	0.50
Net Issuance of Debt	-3.80	-0.60	-0.40	1.70	-80.30	169	103	-3.90	425	-340	-340	-2.60	-336	-0.80	-0.10	-2.80
Cash Flow for Dividends	-202	-91.60	-301	-136	-145	-155	-160	-166	-178	-182	-182	-45.20	-45.40	-45.40	-45.50	-46.00
Other Financing	-7.90	11.70	0.30	1.30	1.90	-48.50	0.10	-0.80	0.10	0.30	-0.40	-0.60	-0.40	0.50	0.80	-1.30
Cash Flow from Financing	-214	-80.50	-282	-114	-237	51.50	-55.10	-168	248	-520	-522	-48.10	-382	-45.50	-44.50	-49.60

Net Change in Cash	160	-1.90	7.70	3.30	-17.60	9.90	13.30	50.00	-34.20	8.10	5.30	24.30	-8.20	16.40	-24.40	21.50

Free Cash Flow	734	808	842	985	842	566	533	-282	-94.90	532	626	49.00	81.30	192	210	143
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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ORI Quarterly/Annuals Reports

ORI: 10-Q - OLD REPUBLIC INTERNATIONAL CORP (0000074260) (Filer): (10-Q) - 2012-11-02
ORI: 10-Q - OLD REPUBLIC INTERNATIONAL CORP (0000074260) (Filer): (10-Q) - 2012-08-03
ORI: 10-Q - OLD REPUBLIC INTERNATIONAL CORP (0000074260) (Filer): (10-Q) - 2012-05-08
ORI: 10-K - OLD REPUBLIC INTERNATIONAL CORP (0000074260) (Filer): (10-K) - 2012-02-29
ORI: 10-Q - OLD REPUBLIC INTERNATIONAL CORP (0000074260) (Filer): (10-Q) - 2011-11-08

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