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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 0.23
ORI's Cash to Debt is ranked higher than
71% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. ORI: 0.23 )
ORI' s 10-Year Cash to Debt Range
Min: 0.03   Max: 4.81
Current: 0.23

0.03
4.81
Equity to Asset 0.23
ORI's Equity to Asset is ranked higher than
91% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. ORI: 0.23 )
ORI' s 10-Year Equity to Asset Range
Min: 0.21   Max: 0.37
Current: 0.23

0.21
0.37
Interest Coverage 31.15
ORI's Interest Coverage is ranked higher than
87% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 vs. ORI: 31.15 )
ORI' s 10-Year Interest Coverage Range
Min: 0.86   Max: 87.09
Current: 31.15

0.86
87.09
F-Score: 2
Z-Score: 0.86
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.03
ORI's Operating margin (%) is ranked higher than
90% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.45 vs. ORI: 12.03 )
ORI' s 10-Year Operating margin (%) Range
Min: -25.3   Max: 22.42
Current: 12.03

-25.3
22.42
Net-margin (%) 8.04
ORI's Net-margin (%) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. ORI: 8.04 )
ORI' s 10-Year Net-margin (%) Range
Min: -17.24   Max: 15.18
Current: 8.04

-17.24
15.18
ROE (%) 11.46
ORI's ROE (%) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. ORI: 11.46 )
ORI' s 10-Year ROE (%) Range
Min: -13.48   Max: 14.71
Current: 11.46

-13.48
14.71
ROA (%) 2.62
ORI's ROA (%) is ranked higher than
90% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. ORI: 2.62 )
ORI' s 10-Year ROA (%) Range
Min: -4.2   Max: 4.99
Current: 2.62

-4.2
4.99
Revenue Growth (%) 2.90
ORI's Revenue Growth (%) is ranked higher than
87% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ORI: 2.90 )
ORI' s 10-Year Revenue Growth (%) Range
Min: -5.2   Max: 23.1
Current: 2.9

-5.2
23.1
EBITDA Growth (%) 111.30
ORI's EBITDA Growth (%) is ranked higher than
99% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. ORI: 111.30 )
ORI' s 10-Year EBITDA Growth (%) Range
Min: -46.8   Max: 111.3
Current: 111.3

-46.8
111.3
EPS Growth (%) 133.10
ORI's EPS Growth (%) is ranked higher than
98% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. ORI: 133.10 )
ORI' s 10-Year EPS Growth (%) Range
Min: -53.2   Max: 133.1
Current: 133.1

-53.2
133.1
» ORI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

ORI Guru Trades in Q4 2013

Paul Tudor Jones 13,900 sh (New)
Jim Simons 626,385 sh (+32.88%)
Jeremy Grantham 26,300 sh (+9.63%)
Prem Watsa 45,000 sh (unchged)
Michael Price 21,093 sh (unchged)
Steven Cohen Sold Out
Donald Smith Sold Out
Charles Brandes 923,291 sh (-20.66%)
Irving Kahn 2,461,710 sh (-28.12%)
Chuck Royce 1,126,200 sh (-30.08%)
» More
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

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)
Irving Kahn 2,118,895 sh (-6.48%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2014-09-30 Reduce -6.48%0.32%$14.32 - $16.81 $ 15.13-1%2118895
Joel Greenblatt 2014-09-30 New Buy$14.32 - $16.81 $ 15.13-1%20677
John Burbank 2014-09-30 New Buy$14.32 - $16.81 $ 15.13-1%13831
Irving Kahn 2014-06-30 Reduce -16.99%1.09%$15.79 - $17.23 $ 15.13-9%2265645
David Dreman 2014-06-30 New Buy0.01%$15.79 - $17.23 $ 15.13-9%5415
Irving Kahn 2014-03-31 Add 10.88%0.63%$14.7 - $17.27 $ 15.13-5%2729441
Irving Kahn 2013-12-31 Reduce -28.12%2.17%$14.55 - $17.36 $ 15.13-8%2461710
Donald Smith 2013-12-31 Sold Out 0.26%$14.55 - $17.36 $ 15.13-8%0
Charles Brandes 2013-12-31 Reduce -20.66%0.05%$14.55 - $17.36 $ 15.13-8%923291
Arnold Schneider 2013-09-30 Sold Out 0.02%$12.99 - $15.3 $ 15.135%0
Arnold Schneider 2013-06-30 Reduce -74.94%0.65%$12.12 - $14.45 $ 15.1314%189410
Arnold Schneider 2013-03-31 Reduce -29.7%0.33%$10.65 - $12.71 $ 15.1328%755840
Irving Kahn 2013-03-31 Add 3.86%0.24%$10.65 - $12.71 $ 15.1328%3444617
Charles Brandes 2013-03-31 Reduce -21.82%0.04%$10.65 - $12.71 $ 15.1328%1167124
Arnold Schneider 2012-09-30 New Buy0.93%$7.85 - $9.69 $ 15.1375%1088290
Irving Kahn 2012-09-30 Add 13.75%0.66%$7.85 - $9.69 $ 15.1375%3293250
Charles Brandes 2012-09-30 Add 39.1%0.05%$7.85 - $9.69 $ 15.1375%1538067
Prem Watsa 2012-09-30 Add 28.57%0.01%$7.85 - $9.69 $ 15.1375%45000
Donald Smith 2012-03-31 Reduce -38.74%0.18%$9 - $11.19 $ 15.1357%993738
NWQ Managers 2012-03-31 Sold Out 0.0012%$9 - $11.19 $ 15.1357%0
NWQ Managers 2011-12-31 New Buy$7.18 - $10.16 $ 15.1370%19780
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 9.90
ORI's P/E(ttm) is ranked higher than
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.70 vs. ORI: 9.90 )
ORI' s 10-Year P/E(ttm) Range
Min: 7.78   Max: 582.5
Current: 9.9

7.78
582.5
P/B 1.00
ORI's P/B is ranked higher than
86% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. ORI: 1.00 )
ORI' s 10-Year P/B Range
Min: 0.47   Max: 1.38
Current: 1

0.47
1.38
P/S 0.80
ORI's P/S is ranked higher than
84% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. ORI: 0.80 )
ORI' s 10-Year P/S Range
Min: 0.41   Max: 1.51
Current: 0.8

0.41
1.51
EV-to-EBIT 5.60
ORI's EV-to-EBIT is ranked higher than
93% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.73 vs. ORI: 5.60 )
ORI' s 10-Year EV-to-EBIT Range
Min: -2204.7   Max: 172
Current: 5.6

-2204.7
172
Shiller P/E 87.30
ORI's Shiller P/E is ranked higher than
82% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.16 vs. ORI: 87.30 )
ORI' s 10-Year Shiller P/E Range
Min: 5.19   Max: 534
Current: 87.3

5.19
534

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.80
ORI's Dividend Yield is ranked higher than
81% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.76 vs. ORI: 4.80 )
ORI' s 10-Year Dividend Yield Range
Min: 1.65   Max: 11.25
Current: 4.8

1.65
11.25
Dividend Payout 0.49
ORI's Dividend Payout is ranked higher than
72% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.56 vs. ORI: 0.49 )
ORI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 5.67
Current: 0.49

0.1
5.67
Dividend growth (3y) 1.40
ORI's Dividend growth (3y) is ranked higher than
83% of the 93 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.20 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) 5.76
ORI's Yield on cost (5-Year) is ranked higher than
77% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.27 vs. ORI: 5.76 )
ORI' s 10-Year Yield on cost (5-Year) Range
Min: 1.98   Max: 13.49
Current: 5.76

1.98
13.49
Share Buyback Rate -6.80
ORI's Share Buyback Rate is ranked higher than
73% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ORI: -6.80 )
ORI' s 10-Year Share Buyback Rate Range
Min: 11.8   Max: -6.8
Current: -6.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
ORI's Price/Tangible Book is ranked higher than
92% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.68 vs. ORI: 1.00 )
ORI' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 3.95
Current: 1

0.58
3.95
Price/DCF (Projected) 1.40
ORI's Price/DCF (Projected) is ranked higher than
85% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.94 vs. ORI: 1.40 )
ORI' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 1.56
Current: 1.4

0.26
1.56
Price/Median PS Value 1.00
ORI's Price/Median PS Value is ranked higher than
92% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.19 vs. ORI: 1.00 )
ORI' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 2.82
Current: 1

0.54
2.82
Price/Graham Number 0.60
ORI's Price/Graham Number is ranked higher than
95% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. ORI: 0.60 )
ORI' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 3.21
Current: 0.6

0.51
3.21
Earnings Yield (Greenblatt) 17.90
ORI's Earnings Yield (Greenblatt) is ranked higher than
92% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ORI: 17.90 )
ORI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 23.6
Current: 17.9

0.6
23.6
Forward Rate of Return (Yacktman) 11.18
ORI's Forward Rate of Return (Yacktman) is ranked lower than
79% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.48 vs. ORI: 11.18 )
ORI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 37.1
Current: 11.18

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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Old Republic International: Mispriced Insurance with Juicy Dividend Yield Sep 19 2012 

More From Other Websites
Old Republic Declares Regular Fourth Quarter Cash Dividend Of 18.25 Cents Per Share Nov 21 2014
Old Republic Declares Regular Fourth Quarter Cash Dividend Of 18.25 Cents Per Share Nov 21 2014
OLD REPUBLIC INTERNATIONAL CORP Financials Nov 06 2014
10-Q for Old Republic International Corp. Nov 03 2014
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 24 2014
Old Republic International Corp Earnings Call scheduled for 3:00 pm ET today Oct 23 2014
Old Republic Reports Results For The Third Quarter And First Nine Months Of 2014 Oct 23 2014
Old Republic posts 3Q profit Oct 23 2014
Old Republic posts 3Q profit Oct 23 2014
Old Republic Reports Results For The Third Quarter And First Nine Months Of 2014 Oct 23 2014
Q3 2014 Old Republic International Corp Earnings Release - Before Market Open Oct 23 2014
Old Republic International Announces Third Quarter 2014 Conference Call Oct 09 2014
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement,... Sep 25 2014
Old Republic Issues 4.875% $400 Million Senior Notes Sep 24 2014
Old Republic Announces Issuance Of 4.875% Senior Notes Due 2024 Sep 23 2014
Old Republic International Corporation -- Moody's rates Old Republic's senior notes Baa3; outlook... Sep 22 2014
Old Republic Rated Baa3 from Moody's with Stable Outlook Sep 19 2014
Old Republic International Corporation -- Moody's rates Old Republic's shelf (P)Baa3; outlook stable Sep 18 2014
Taking Stock: Alan Lancz Doesn’t Mind Pullback Sep 12 2014
Old Republic International Down to Sell on Weak Q2 Earnings Aug 28 2014

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