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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 0.26
ORI's Cash to Debt is ranked higher than
69% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.26 vs. ORI: 0.26 )
ORI' s 10-Year Cash to Debt Range
Min: 0.03   Max: 4.81
Current: 0.26

0.03
4.81
Equity to Asset 0.23
ORI's Equity to Asset is ranked higher than
91% of the 143 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
90% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.97 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: 6
Z-Score: 0.84
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 (%) 12.36
ORI's Operating margin (%) is ranked higher than
90% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.85 vs. ORI: 12.36 )
ORI' s 10-Year Operating margin (%) Range
Min: -25.3   Max: 22.42
Current: 12.36

-25.3
22.42
Net-margin (%) 8.23
ORI's Net-margin (%) is ranked higher than
87% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.40 vs. ORI: 8.23 )
ORI' s 10-Year Net-margin (%) Range
Min: -17.24   Max: 15.19
Current: 8.23

-17.24
15.19
ROE (%) 11.86
ORI's ROE (%) is ranked higher than
91% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.12 vs. ORI: 11.86 )
ORI' s 10-Year ROE (%) Range
Min: -14.93   Max: 14.05
Current: 11.86

-14.93
14.05
ROA (%) 2.71
ORI's ROA (%) is ranked higher than
91% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ORI: 2.71 )
ORI' s 10-Year ROA (%) Range
Min: -4.21   Max: 4.78
Current: 2.71

-4.21
4.78
Revenue Growth (%) 2.90
ORI's Revenue Growth (%) is ranked higher than
88% of the 137 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.30 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 120 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.50 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 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.90 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

Q3 2013

ORI Guru Trades in Q3 2013

Jeremy Grantham 23,990 sh (New)
Charles Brandes 1,163,755 sh (+0.72%)
Irving Kahn 3,424,928 sh (+0.36%)
Michael Price 21,093 sh (unchged)
Prem Watsa 45,000 sh (unchged)
Arnold Schneider Sold Out
Steven Cohen 16,354 sh (-7.19%)
Chuck Royce 1,610,700 sh (-18.23%)
Donald Smith 796,157 sh (-19.56%)
Jim Simons 471,385 sh (-70.86%)
» More
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%)
Michael Price 21,093 sh (unchged)
Prem Watsa 45,000 sh (unchged)
Donald Smith Sold Out
Steven Cohen 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%)
Michael Price 21,093 sh (unchged)
Prem Watsa 45,000 sh (unchged)
Jim Simons Sold Out
Irving Kahn 2,265,645 sh (-16.99%)
Paul Tudor Jones 21,739 sh (-60.14%)
» 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
David Dreman 2014-06-30 New Buy0.01%$15.79 - $17.23 $ 15.24-9%5415
Donald Smith 2013-12-31 Sold Out 0.26%$14.55 - $17.36 $ 15.24-7%0
Charles Brandes 2013-12-31 Reduce -20.66%0.05%$14.55 - $17.36 $ 15.24-7%923291
Charles Brandes 2013-03-31 Reduce -21.82%0.04%$10.65 - $12.71 $ 15.2429%1167124
Charles Brandes 2012-09-30 Add 39.1%0.05%$7.85 - $9.69 $ 15.2477%1538067
Prem Watsa 2012-09-30 Add 28.57%0.01%$7.85 - $9.69 $ 15.2477%45000
Donald Smith 2012-03-31 Reduce -38.74%0.18%$9 - $11.19 $ 15.2458%993738
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.60
ORI's P/E(ttm) is ranked higher than
96% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.40 vs. ORI: 9.60 )
ORI' s 10-Year P/E(ttm) Range
Min: 7.78   Max: 582.5
Current: 9.6

7.78
582.5
P/B 1.00
ORI's P/B is ranked higher than
85% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 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 0.82
ORI's P/S is ranked higher than
82% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.65 vs. ORI: 0.82 )
ORI' s 10-Year P/S Range
Min: 0.41   Max: 1.51
Current: 0.82

0.41
1.51
PFCF 7.70
ORI's PFCF is ranked higher than
86% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.11 vs. ORI: 7.70 )
ORI' s 10-Year PFCF Range
Min: 2.77   Max: 558
Current: 7.7

2.77
558
EV-to-EBIT 6.37
ORI's EV-to-EBIT is ranked higher than
94% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.03 vs. ORI: 6.37 )
ORI' s 10-Year EV-to-EBIT Range
Min: 5.7   Max: 223.8
Current: 6.37

5.7
223.8
Shiller P/E 187.23
ORI's Shiller P/E is ranked higher than
70% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.26 vs. ORI: 187.23 )
ORI' s 10-Year Shiller P/E Range
Min: 5.16   Max: 534
Current: 187.23

5.16
534

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.76
ORI's Dividend Yield is ranked higher than
85% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.86 vs. ORI: 4.76 )
ORI' s 10-Year Dividend Yield Range
Min: 1.65   Max: 11.25
Current: 4.76

1.65
11.25
Dividend Payout 0.47
ORI's Dividend Payout is ranked higher than
74% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.54 vs. ORI: 0.47 )
ORI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 5.67
Current: 0.47

0.1
5.67
Dividend growth (3y) 1.40
ORI's Dividend growth (3y) is ranked higher than
80% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.10 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) 5.64
ORI's Yield on cost (5-Year) is ranked higher than
82% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.95 vs. ORI: 5.64 )
ORI' s 10-Year Yield on cost (5-Year) Range
Min: 1.98   Max: 13.49
Current: 5.64

1.98
13.49
Share Buyback Rate -6.80
ORI's Share Buyback Rate is ranked higher than
73% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 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
91% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.63 vs. ORI: 1.00 )
ORI' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 4.15
Current: 1

0.58
4.15
Price/DCF (Projected) 0.75
ORI's Price/DCF (Projected) is ranked higher than
86% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.81 vs. ORI: 0.75 )
ORI' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 0.81
Current: 0.75

0.22
0.81
Price/Median PS Value 0.99
ORI's Price/Median PS Value is ranked higher than
94% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.19 vs. ORI: 0.99 )
ORI' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 2.78
Current: 0.99

0.53
2.78
Price/Graham Number 0.62
ORI's Price/Graham Number is ranked higher than
96% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.93 vs. ORI: 0.62 )
ORI' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 3.21
Current: 0.62

0.51
3.21
Earnings Yield (Greenblatt) 15.70
ORI's Earnings Yield (Greenblatt) is ranked higher than
93% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.90 vs. ORI: 15.70 )
ORI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 17.5
Current: 15.7

0.4
17.5
Forward Rate of Return (Yacktman) 5.34
ORI's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.53 vs. ORI: 5.34 )
ORI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.7   Max: 30.3
Current: 5.34

5.7
30.3

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:ORJ.Germany
Old Republic International is a Chicago based holding company engaged in the single business of insurance underwriting. The Company conducts its operations through a number of regulated insurance company subsidiaries organized into three major segments, namely, General, Mortgage Guaranty and Title Insurance Groups. Old Republic's General Insurance segment is focused on liability insurance coverages. these coverages are provided to businesses, government, and other institutions. In continuance of its commercial lines orientation, Old Republic also focuses on specific sectors of the North American economy, most prominently the transportation (trucking and general aviation), commercial construction, forest products, energy, general manufacturing, and financial services industries. Private mortgage insurance protects mortgage lenders and investors from default related losses on residential mortgage loans made mainly to homebuyers who make down payments of less than 20% of the home's purchase price. There are two main 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 main, delinquent interest, and certain expenses associated with the default and subsequent foreclosure. Pool insurance, which is written on a group of loans in negotiated transactions, provides coverage that ranges up to 100% of the net loss on each individual loan included in the pool, subject to provisions regarding deductibles, caps on individual exposures, and aggregate stop loss provisions which limit aggregate losses to a specified percentage of the total original balances of all loans in the pool. The title insurance business consists mainly 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 policy insures 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 onetime premium. Corporate and other operations include the accounts of a small life and health insurance business as well as those of the parent holding company and several minor corporate services subsidiaries that perform investment management, payroll, administrative and minor marketing services. Commercial automobile, workers' compensation and general liability insurance underwritten for business enterprises and public entities is marketed mainly through independent insurance agents and brokers with the assistance of Old Republic's trained sales, underwriting, actuarial, and loss control personnel. The insurance business is highly competitive and Old Republic competes with many stock and mutual insurance companies. The
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Old Republic (ORI): Moving Average Crossover Alert Aug 22 2014
Old Republic Declares Regular Third Quarter Cash Dividend Of 18.25 Cents Per Share Aug 21 2014
OLD REPUBLIC INTERNATIONAL CORP Financials Aug 09 2014
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 25 2014
Old Republic International Corp Earnings Call scheduled for 3:00 pm ET today Jul 24 2014
Old Republic Reports Results For The Second Quarter And First Half 2014 Jul 24 2014
Q2 2014 Old Republic Earnings Release - Before Market Open Jul 24 2014
Old Republic International Announces Second Quarter 2014 Conference Call Jul 10 2014
OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 01 2014
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Old Republic Declares Regular Second Quarter Cash Dividend Of 18.25 Cents Per Share May 08 2014
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OLD REPUBLIC INTERNATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 25 2014
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