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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.16
ORI's Cash to Debt is ranked lower than
93% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1984.20 vs. ORI: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
ORI' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.27 Max: N/A
Current: 0.16
Equity to Asset 0.23
ORI's Equity to Asset is ranked higher than
52% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. ORI: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
ORI' s 10-Year Equity to Asset Range
Min: 0.22  Med: 0.32 Max: 0.37
Current: 0.23
0.22
0.37
Interest Coverage 23.81
ORI's Interest Coverage is ranked lower than
63% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 651.33 vs. ORI: 23.81 )
Ranked among companies with meaningful Interest Coverage only.
ORI' s 10-Year Interest Coverage Range
Min: 0.86  Med: 29.41 Max: 9999.99
Current: 23.81
0.86
9999.99
F-Score: 1
WACC vs ROIC
12.18%
8.80%
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 lower than
58% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.94 vs. ORI: 8.59 )
Ranked among companies with meaningful Operating margin (%) only.
ORI' s 10-Year Operating margin (%) Range
Min: -25.3  Med: 12.37 Max: 22.15
Current: 8.59
-25.3
22.15
Net-margin (%) 5.87
ORI's Net-margin (%) is ranked lower than
60% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. ORI: 5.87 )
Ranked among companies with meaningful Net-margin (%) only.
ORI' s 10-Year Net-margin (%) Range
Min: -17.24  Med: 12.36 Max: 15.18
Current: 5.87
-17.24
15.18
ROE (%) 8.10
ORI's ROE (%) is ranked lower than
61% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. ORI: 8.10 )
Ranked among companies with meaningful ROE (%) only.
ORI' s 10-Year ROE (%) Range
Min: -13.48  Med: 11.73 Max: 14.63
Current: 8.1
-13.48
14.63
ROA (%) 1.87
ORI's ROA (%) is ranked lower than
52% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. ORI: 1.87 )
Ranked among companies with meaningful ROA (%) only.
ORI' s 10-Year ROA (%) Range
Min: -4.2  Med: 3.48 Max: 4.99
Current: 1.87
-4.2
4.99
Revenue Growth (3Y)(%) 1.00
ORI's Revenue Growth (3Y)(%) is ranked lower than
64% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. ORI: 1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ORI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.2  Med: 7.40 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

Q3 2014

ORI Guru Trades in Q3 2014

Joel Greenblatt 20,677 sh (New)
John Burbank 13,831 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)
Kahn Brothers 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)
David Dreman Sold Out
Donald Smith Sold Out
John Burbank Sold Out
Kahn Brothers 1,963,215 sh (-7.35%)
Paul Tudor Jones 40,800 sh (-55.36%)
» More
Q1 2015

ORI Guru Trades in Q1 2015

Chuck Royce 1,702,058 sh (+8.27%)
HOTCHKIS & WILEY 3,262,119 sh (+1.06%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt 24,334 sh (-0.17%)
Charles Brandes 1,103,812 sh (-3.97%)
Kahn Brothers 1,873,882 sh (-4.55%)
» More
Q2 2015

ORI Guru Trades in Q2 2015

Kahn Brothers 1,115,157 sh (-40.49%)
» 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) 15.10
ORI's P/E(ttm) is ranked lower than
58% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. ORI: 15.10 )
Ranked among companies with meaningful P/E(ttm) only.
ORI' s 10-Year P/E(ttm) Range
Min: 7.79  Med: 10.64 Max: 582.5
Current: 15.1
7.79
582.5
Forward P/E 14.04
ORI's Forward P/E is ranked lower than
83% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.79 vs. ORI: 14.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.10
ORI's PE(NRI) is ranked lower than
61% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. ORI: 15.10 )
Ranked among companies with meaningful PE(NRI) only.
ORI' s 10-Year PE(NRI) Range
Min: 7.9  Med: 10.78 Max: 1398
Current: 15.1
7.9
1398
P/B 1.10
ORI's P/B is ranked higher than
57% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. ORI: 1.10 )
Ranked among companies with meaningful P/B only.
ORI' s 10-Year P/B Range
Min: 0.47  Med: 0.91 Max: 1.28
Current: 1.1
0.47
1.28
P/S 0.90
ORI's P/S is ranked higher than
57% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. ORI: 0.90 )
Ranked among companies with meaningful P/S only.
ORI' s 10-Year P/S Range
Min: 0.41  Med: 0.81 Max: 1.44
Current: 0.9
0.41
1.44
EV-to-EBIT 9.34
ORI's EV-to-EBIT is ranked lower than
59% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.95 vs. ORI: 9.34 )
Ranked among companies with meaningful EV-to-EBIT only.
ORI' s 10-Year EV-to-EBIT Range
Min: -178.8  Med: -1.90 Max: 172
Current: 9.34
-178.8
172
Shiller P/E 39.62
ORI's Shiller P/E is ranked lower than
87% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.10 vs. ORI: 39.62 )
Ranked among companies with meaningful Shiller P/E only.
ORI' s 10-Year Shiller P/E Range
Min: 5.16  Med: 11.31 Max: 534
Current: 39.62
5.16
534
Days Sales Outstanding 89.78
ORI's Days Sales Outstanding is ranked lower than
86% of the 21 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 49.58 vs. ORI: 89.78 )
Ranked among companies with meaningful Days Sales Outstanding only.
ORI' s 10-Year Days Sales Outstanding Range
Min: 50.86  Med: 79.82 Max: 106.82
Current: 89.78
50.86
106.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.39
ORI's Dividend Yield is ranked higher than
67% of the 222 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.93 vs. ORI: 4.39 )
Ranked among companies with meaningful Dividend Yield only.
ORI' s 10-Year Dividend Yield Range
Min: 1.89  Med: 4.95 Max: 11.25
Current: 4.39
1.89
11.25
Dividend Payout 0.68
ORI's Dividend Payout is ranked lower than
71% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.42 vs. ORI: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
ORI' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.24 Max: 5.67
Current: 0.68
0.1
5.67
Dividend growth (3y) 1.40
ORI's Dividend growth (3y) is ranked lower than
67% of the 43 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.30 vs. ORI: 1.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
ORI' s 10-Year Dividend growth (3y) Range
Min: 1.4  Med: 9.20 Max: 21
Current: 1.4
1.4
21
Yield on cost (5-Year) 4.87
ORI's Yield on cost (5-Year) is ranked higher than
64% of the 218 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.01 vs. ORI: 4.87 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ORI' s 10-Year Yield on cost (5-Year) Range
Min: 2.1  Med: 5.49 Max: 12.48
Current: 4.87
2.1
12.48
Share Buyback Rate -5.00
ORI's Share Buyback Rate is ranked lower than
75% of the 61 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ORI: -5.00 )
Ranked among companies with meaningful Share Buyback Rate only.
ORI' s 10-Year Share Buyback Rate Range
Min: 11.8  Med: -0.60 Max: -6.8
Current: -5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
ORI's Price/Tangible Book is ranked higher than
66% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.34 vs. ORI: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
ORI' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.09 Max: 1.85
Current: 1.09
0.58
1.85
Price/Projected FCF 1.54
ORI's Price/Projected FCF is ranked lower than
83% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.78 vs. ORI: 1.54 )
Ranked among companies with meaningful Price/Projected FCF only.
ORI' s 10-Year Price/Projected FCF Range
Min: 0.27  Med: 0.50 Max: 1.69
Current: 1.54
0.27
1.69
Price/Median PS Value 1.12
ORI's Price/Median PS Value is ranked lower than
61% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. ORI: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
ORI' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 1.49 Max: 2.85
Current: 1.12
0.54
2.85
Price/Graham Number 0.81
ORI's Price/Graham Number is ranked higher than
56% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ORI: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
ORI' s 10-Year Price/Graham Number Range
Min: 0.5  Med: 0.73 Max: 4.27
Current: 0.81
0.5
4.27
Earnings Yield (Greenblatt) (%) 10.67
ORI's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. ORI: 10.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ORI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 10.70 Max: 23.6
Current: 10.67
0.6
23.6
Forward Rate of Return (Yacktman) (%) 10.55
ORI's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.07 vs. ORI: 10.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ORI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.4  Med: 18.70 Max: 37.1
Current: 10.55
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
» More Articles for ORI

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More From Other Websites
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 24 2015
Edited Transcript of ORI earnings conference call or presentation 23-Jul-15 7:00pm GMT Jul 23 2015
Old Republic International Corp Earnings Call scheduled for 3:00 pm ET today Jul 23 2015
Old Republic Reports Results For The Second Quarter And First Half Of 2015 Jul 23 2015
Old Republic posts 2Q profit Jul 23 2015
Old Republic posts 2Q profit Jul 23 2015
Old Republic Reports Results For The Second Quarter And First Half Of 2015 Jul 23 2015
Q2 2015 Old Republic International Corp Earnings Release - Before Market Open Jul 23 2015
Old Republic International Announces Second Quarter 2015 Conference Call Jul 15 2015
Old Republic International Announces Second Quarter 2015 Conference Call Jul 15 2015
Bear of the Day: Assurant Inc (AIZ) - Bear of the Day Jun 12 2015
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Change in Directors or Principal Officers,... May 28 2015
Marsh & McLennan's Unit Buys Kepler to Boost U.K. Business - Analyst Blog May 27 2015
Old Republic Declares Regular Second Quarter Cash Dividend Of 18.50 Cents Per Share May 22 2015
Old Republic Declares Regular Second Quarter Cash Dividend Of 18.50 Cents Per Share May 22 2015
Zacks Industry Outlook Highlights: United Insurance Holdings, ING Groep, Old Republic International... May 08 2015
10-Q for Old Republic International Corp. May 03 2015
Phoenix Aviation Managers Is Now Old Republic Aerospace May 01 2015
Phoenix Aviation Managers Is Now Old Republic Aerospace May 01 2015
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 24 2015

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