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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.14
ORI's Cash to Debt is ranked higher than
55% of the 245 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.15 vs. ORI: 0.14 )
ORI' s 10-Year Cash to Debt Range
Min: 0.04   Max: 9999
Current: 0.14

0.04
9999
Equity to Asset 0.23
ORI's Equity to Asset is ranked higher than
79% of the 244 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.12 vs. ORI: 0.23 )
ORI' s 10-Year Equity to Asset Range
Min: 0.22   Max: 0.37
Current: 0.23

0.22
0.37
Interest Coverage 23.81
ORI's Interest Coverage is ranked higher than
71% of the 201 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.28 vs. ORI: 23.81 )
ORI' s 10-Year Interest Coverage Range
Min: 0.86   Max: 9999.99
Current: 23.81

0.86
9999.99
F-Score: 2
Z-Score: 0.86
WACC vs ROIC
9.56%
8.46%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 8.59
ORI's Operating margin (%) is ranked higher than
75% of the 245 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.44 vs. ORI: 8.59 )
ORI' s 10-Year Operating margin (%) Range
Min: -25.3   Max: 22.15
Current: 8.59

-25.3
22.15
Net-margin (%) 5.87
ORI's Net-margin (%) is ranked higher than
75% of the 245 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.32 vs. ORI: 5.87 )
ORI' s 10-Year Net-margin (%) Range
Min: -17.24   Max: 15.18
Current: 5.87

-17.24
15.18
ROE (%) 8.10
ORI's ROE (%) is ranked higher than
69% of the 244 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.04 vs. ORI: 8.10 )
ORI' s 10-Year ROE (%) Range
Min: -13.48   Max: 14.71
Current: 8.1

-13.48
14.71
ROA (%) 1.87
ORI's ROA (%) is ranked higher than
77% of the 245 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.91 vs. ORI: 1.87 )
ORI' s 10-Year ROA (%) Range
Min: -4.2   Max: 4.99
Current: 1.87

-4.2
4.99
Revenue Growth (3Y)(%) 1.00
ORI's Revenue Growth (3Y)(%) is ranked higher than
72% of the 199 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.70 vs. ORI: 1.00 )
ORI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.2   Max: 23.1
Current: 1

-5.2
23.1
» ORI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

ORI Guru Trades in Q1 2014

Paul Tudor Jones 54,538 sh (+292.36%)
Irving Kahn 2,729,441 sh (+10.88%)
Charles Brandes 945,835 sh (+2.44%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
Jeremy Grantham Sold Out
Chuck Royce 747,000 sh (-33.67%)
Jim Simons 151,384 sh (-75.83%)
» More
Q2 2014

ORI Guru Trades in Q2 2014

David Dreman 5,415 sh (New)
Chuck Royce 779,720 sh (+4.38%)
Charles Brandes 956,429 sh (+1.12%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
Jim Simons Sold Out
Irving Kahn 2,265,645 sh (-16.99%)
Paul Tudor Jones 21,739 sh (-60.14%)
» More
Q3 2014

ORI Guru Trades in Q3 2014

John Burbank 13,831 sh (New)
Joel Greenblatt 20,677 sh (New)
Paul Tudor Jones 91,402 sh (+320.45%)
Chuck Royce 1,079,820 sh (+38.49%)
David Dreman 6,465 sh (+19.39%)
Charles Brandes 1,083,132 sh (+13.25%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
Irving Kahn 2,118,895 sh (-6.48%)
» More
Q4 2014

ORI Guru Trades in Q4 2014

HOTCHKIS & WILEY 3,227,819 sh (New)
Chuck Royce 1,572,058 sh (+45.59%)
Joel Greenblatt 24,375 sh (+17.88%)
Charles Brandes 1,149,447 sh (+6.12%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
John Burbank Sold Out
Donald Smith Sold Out
David Dreman Sold Out
Irving Kahn 1,963,215 sh (-7.35%)
Paul Tudor Jones 40,800 sh (-55.36%)
» More
» Details

Insider Trades

Latest Guru Trades with ORI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 10.70
ORI's P/E(ttm) is ranked higher than
87% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.00 vs. ORI: 10.70 )
ORI' s 10-Year P/E(ttm) Range
Min: 7.79   Max: 582.5
Current: 10.7

7.79
582.5
Forward P/E 13.93
ORI's Forward P/E is ranked higher than
67% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.94 vs. ORI: 13.93 )
N/A
PE(NRI) 11.20
ORI's PE(NRI) is ranked higher than
88% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.20 vs. ORI: 11.20 )
ORI' s 10-Year PE(NRI) Range
Min: 7.9   Max: 1398
Current: 11.2

7.9
1398
P/B 1.00
ORI's P/B is ranked higher than
83% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.37 vs. ORI: 1.00 )
ORI' s 10-Year P/B Range
Min: 0.47   Max: 1.28
Current: 1

0.47
1.28
P/S 0.82
ORI's P/S is ranked higher than
73% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.21 vs. ORI: 0.82 )
ORI' s 10-Year P/S Range
Min: 0.41   Max: 1.44
Current: 0.82

0.41
1.44
EV-to-EBIT 6.97
ORI's EV-to-EBIT is ranked higher than
88% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.92 vs. ORI: 6.97 )
ORI' s 10-Year EV-to-EBIT Range
Min: -178.8   Max: 172
Current: 6.97

-178.8
172
Shiller P/E 48.80
ORI's Shiller P/E is ranked higher than
83% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ORI: 48.80 )
ORI' s 10-Year Shiller P/E Range
Min: 5.16   Max: 534
Current: 48.8

5.16
534
Days Sales Outstanding 89.78
ORI's Days Sales Outstanding is ranked higher than
94% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ORI: 89.78 )
ORI' s 10-Year Days Sales Outstanding Range
Min: 50.86   Max: 106.82
Current: 89.78

50.86
106.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.78
ORI's Dividend Yield is ranked higher than
79% of the 202 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.56 vs. ORI: 4.78 )
ORI' s 10-Year Dividend Yield Range
Min: 1.89   Max: 11.25
Current: 4.78

1.89
11.25
Dividend Payout 0.53
ORI's Dividend Payout is ranked higher than
81% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.47 vs. ORI: 0.53 )
ORI' s 10-Year Dividend Payout Range
Min: 0.16   Max: 5.31
Current: 0.53

0.16
5.31
Dividend growth (3y) 1.40
ORI's Dividend growth (3y) is ranked higher than
73% of the 102 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 vs. ORI: 1.40 )
ORI' s 10-Year Dividend growth (3y) Range
Min: 1.4   Max: 21
Current: 1.4

1.4
21
Yield on cost (5-Year) 5.21
ORI's Yield on cost (5-Year) is ranked higher than
70% of the 202 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.86 vs. ORI: 5.21 )
ORI' s 10-Year Yield on cost (5-Year) Range
Min: 2.1   Max: 12.48
Current: 5.21

2.1
12.48
Share Buyback Rate -5.00
ORI's Share Buyback Rate is ranked higher than
70% of the 148 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. ORI: -5.00 )
ORI' s 10-Year Share Buyback Rate Range
Min: 11.8   Max: -6.8
Current: -5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
ORI's Price/Tangible Book is ranked higher than
89% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. ORI: 1.00 )
ORI' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 2.59
Current: 1

0.58
2.59
Price/DCF (Projected) 1.40
ORI's Price/DCF (Projected) is ranked higher than
86% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ORI: 1.40 )
ORI' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 1.69
Current: 1.4

0.29
1.69
Price/Median PS Value 1.00
ORI's Price/Median PS Value is ranked higher than
82% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.30 vs. ORI: 1.00 )
ORI' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 2.65
Current: 1

0.64
2.65
Price/Graham Number 0.70
ORI's Price/Graham Number is ranked higher than
89% of the 320 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.10 vs. ORI: 0.70 )
ORI' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.11
Current: 0.7

0.5
2.11
Earnings Yield (Greenblatt) 14.30
ORI's Earnings Yield (Greenblatt) is ranked higher than
79% of the 235 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.60 vs. ORI: 14.30 )
ORI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 23.6
Current: 14.3

0.6
23.6
Forward Rate of Return (Yacktman) 11.28
ORI's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 26.30 vs. ORI: 11.28 )
ORI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 37.1
Current: 11.28

1.4
37.1

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:ORJ.Germany,
Old Republic International Corporation is engaged in the single business of insurance underwriting. It conducts its operations through insurance company subsidiaries organized into three major segments, namely, it's General Insurance Group (property and liability insurance), Title Insurance Group, and the Republic Financial Indemnity Group (RFIG) (mortgage guaranty (MI) and consumer credit indemnity (CCI)) Run-off Business. Its General Insurance segment provides commercial lines insurance business such as liability insurance coverages. Most of these coverages are provided to businesses, government, and other institutions. Its major coverages include Automobile Extended Warranty Insurance, Aviation, Commercial Multi-Peril, Financial Indemnity, General Liability Home Warranty Insurance, Travel Accident, and Workers' Compensation. The Company's Title Insurance Group's business consists primarily of the issuance of policies to real estate purchasers and investors based upon searches of the public records, which contain information concerning interests in real property. The policies insure against losses arising out of defects, liens and encumbrances affecting the insured title and not excluded or excepted from the coverage of the policy. There are two basic types of title insurance policies: lenders' policies and owners' policies. Both are issued for a one-time premium. Most mortgages made in the United States are extended by mortgage bankers, savings and commercial banks, state and federal agencies, and life insurance companies. The financial institutions secure title insurance policies to protect their mortgagees' interest in the real property. This protection remains in effect for as long as the mortgagee has an interest in the property. A separate title insurance policy may be issued to the owner of the real estate. An owner's policy of title insurance protects an owner's interest in the title to the property. The Company's RFIG run-off business consists of its mortgage guaranty and CCI operations. Private mortgage insurance protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers who make down payments of less than 20% of the home's purchase price. The mortgage guaranty operation insures only first mortgage loans, primarily on residential properties incorporating one-to-four family dwelling units. There are two principal types of private mortgage insurance coverage: "primary" and "pool". Primary mortgage insurance provides mortgage default protection on individual loans and covers a stated percentage of the unpaid loan principal, delinquent interest, and certain expenses associated with the default and subsequent foreclosure. In lieu of paying the stated coverage percentage, the Company may pay the entire claim amount, take title to the mortgaged property, and subsequently sell the property to mitigate its loss. Pool insurance, which is written on a group of l
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OLD REPUBLIC INTERNATIONAL CORP Financials Mar 10 2015
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