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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 0.13
ORI's Cash to Debt is ranked lower than
95% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 235.61 vs. ORI: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
ORI' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.26 Max: N/A
Current: 0.13
Equity to Asset 0.23
ORI's Equity to Asset is ranked higher than
51% of the 142 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
65% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 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
12.11%
9.22%
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 (%) 9.42
ORI's Operating margin (%) is ranked lower than
54% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.25 vs. ORI: 9.42 )
Ranked among companies with meaningful Operating margin (%) only.
ORI' s 10-Year Operating margin (%) Range
Min: -25.3  Med: 12.36 Max: 22.15
Current: 9.42
-25.3
22.15
Net-margin (%) 6.44
ORI's Net-margin (%) is ranked lower than
52% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.88 vs. ORI: 6.44 )
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: 6.44
-17.24
15.18
ROE (%) 8.98
ORI's ROE (%) is ranked lower than
54% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. ORI: 8.98 )
Ranked among companies with meaningful ROE (%) only.
ORI' s 10-Year ROE (%) Range
Min: -13.48  Med: 11.73 Max: 14.63
Current: 8.98
-13.48
14.63
ROA (%) 2.07
ORI's ROA (%) is ranked higher than
52% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.98 vs. ORI: 2.07 )
Ranked among companies with meaningful ROA (%) only.
ORI' s 10-Year ROA (%) Range
Min: -4.2  Med: 3.48 Max: 4.99
Current: 2.07
-4.2
4.99
Revenue Growth (3Y)(%) 1.00
ORI's Revenue Growth (3Y)(%) is ranked lower than
65% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.70 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

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)
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)
Donald Smith Sold Out
John Burbank Sold Out
David Dreman 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%)
Michael Price 21,093 sh (unchged)
Prem Watsa 45,000 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

Lee Ainslie 3,819,270 sh (New)
Charles Brandes 1,112,206 sh (+0.76%)
Michael Price 21,093 sh (unchged)
HOTCHKIS & WILEY 3,262,119 sh (unchged)
Chuck Royce 1,697,058 sh (-0.29%)
Joel Greenblatt 23,734 sh (-2.47%)
Kahn Brothers 1,115,157 sh (-40.49%)
Prem Watsa 25,000 sh (-44.44%)
» 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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Top Ranked Articles about Old Republic International Corporation

Kahn Brothers Reduces Stake in Old Republic International
Nearly 40 years ago, Irving Kahn and his brothers, Alan and Thomas, founded Kahn Brothers (Trades, Portfolio), a firm that invests mostly in undervalued and often unpopular securities. Irving Kahn died earlier this year at the age of 109, but the firm survives him, heeding the investment philosophies of Benjamin Graham. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
ORI's P/E(ttm) is ranked lower than
51% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.40 vs. ORI: 12.70 )
Ranked among companies with meaningful P/E(ttm) only.
ORI' s 10-Year P/E(ttm) Range
Min: 7.79  Med: 10.66 Max: 582.5
Current: 12.7
7.79
582.5
Forward P/E 14.04
ORI's Forward P/E is ranked lower than
78% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.50 vs. ORI: 14.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.20
ORI's PE(NRI) is ranked lower than
52% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.40 vs. ORI: 13.20 )
Ranked among companies with meaningful PE(NRI) only.
ORI' s 10-Year PE(NRI) Range
Min: 7.9  Med: 10.82 Max: 1398
Current: 13.2
7.9
1398
P/B 1.03
ORI's P/B is ranked higher than
59% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. ORI: 1.03 )
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: 1.03
0.47
1.28
P/S 0.83
ORI's P/S is ranked higher than
57% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. ORI: 0.83 )
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: 0.83
0.41
1.44
EV-to-EBIT 7.75
ORI's EV-to-EBIT is ranked higher than
52% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.81 vs. ORI: 7.75 )
Ranked among companies with meaningful EV-to-EBIT only.
ORI' s 10-Year EV-to-EBIT Range
Min: -146.3  Med: 1.60 Max: 172
Current: 7.75
-146.3
172
Shiller P/E 31.28
ORI's Shiller P/E is ranked lower than
88% of the 60 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.70 vs. ORI: 31.28 )
Ranked among companies with meaningful Shiller P/E only.
ORI' s 10-Year Shiller P/E Range
Min: 5.16  Med: 11.36 Max: 534
Current: 31.28
5.16
534
Days Sales Outstanding 93.15
ORI's Days Sales Outstanding is ranked lower than
87% of the 23 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 49.75 vs. ORI: 93.15 )
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: 93.15
50.86
106.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.67
ORI's Dividend Yield is ranked higher than
64% of the 224 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.17 vs. ORI: 4.67 )
Ranked among companies with meaningful Dividend Yield only.
ORI' s 10-Year Dividend Yield Range
Min: 1.89  Med: 4.94 Max: 11.25
Current: 4.67
1.89
11.25
Dividend Payout 0.61
ORI's Dividend Payout is ranked lower than
68% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.45 vs. ORI: 0.61 )
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: 0.61
0.1
5.67
Dividend growth (3y) 1.40
ORI's Dividend growth (3y) is ranked lower than
64% of the 47 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.60 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) 5.18
ORI's Yield on cost (5-Year) is ranked higher than
63% of the 223 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.27 vs. ORI: 5.18 )
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: 5.48 Max: 12.48
Current: 5.18
2.1
12.48
Share Buyback Rate -5.00
ORI's Share Buyback Rate is ranked lower than
75% of the 64 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 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 1.04
ORI's Price/Tangible Book is ranked higher than
68% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.38 vs. ORI: 1.04 )
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: 1.04
0.58
1.85
Price/Projected FCF 1.48
ORI's Price/Projected FCF is ranked lower than
87% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.65 vs. ORI: 1.48 )
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: 1.48
0.27
1.69
Price/Median PS Value 1.04
ORI's Price/Median PS Value is ranked lower than
64% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. ORI: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
ORI' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 1.46 Max: 2.85
Current: 1.04
0.54
2.85
Price/Graham Number 0.73
ORI's Price/Graham Number is ranked higher than
63% of the 103 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ORI: 0.73 )
Ranked among companies with meaningful Price/Graham Number only.
ORI' s 10-Year Price/Graham Number Range
Min: 0.5  Med: 0.73 Max: 3.21
Current: 0.73
0.5
3.21
Earnings Yield (Greenblatt) (%) 12.90
ORI's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ORI: 12.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ORI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 10.60 Max: 23.6
Current: 12.9
0.6
23.6
Forward Rate of Return (Yacktman) (%) 11.00
ORI's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 56 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.70 vs. ORI: 11.00 )
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: 11
1.4
37.1

Analyst Estimate

Dec15 Dec16
EPS($) 1.08 1.10
EPS without NRI($) 1.08 1.10

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

Headlines

Articles On GuruFocus.com
Moseley Holdings Aug 30 2015 
Kahn Brothers Reduces Stake in Old Republic International Aug 05 2015 
Kahn Brothers' Most Weighted Trades in Q2 2015 Jul 30 2015 
5 Dividend Champion Stocks May 06 2015 
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The Cheapest Dividend Growers From The MidCap 400 Dividend Aristocrats Index Feb 08 2015 
6 Cheapest Stocks With Dividend Yields Over 2% Sep 18 2014 
Three Higher-Quality, High-Yield Dividend Stocks Apr 01 2014 
Irving Kahn’s Kahn Brothers’ Top Five Stocks at Year-End Feb 06 2014 
6 High-Yield Dividend Achievers with 25 Years of Increases Dec 11 2013 

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