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Old Republic InternationalFRA:ORJ -3.18%81 Debt-to-EBITDA is 0.92 as of Mar. 2026, which is 41% below its 10-year median of 1.56. GuruFocus rates FRA:ORJ with a GF Score™ of 81/100 and a GF Value™ of €32.48 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 320 Insurance companies, Old Republic International ranks worse than 58.44% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Old Republic International's Debt-to-EBITDA or its related term are showing as below:
FRA:ORJ'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.72 Med: 1.56 Max: 2.08
Current: 1.5
During the past 13 years, the highest Debt-to-EBITDA Ratio of Old Republic International was 2.08. The lowest was 0.72. And the median was 1.56.
FRA:ORJ's Debt-to-EBITDA is ranked worse than 58.44% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs FRA:ORJ: 1.50
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Old Republic International Debt-to-EBITDA Related Terms
Old Republic International Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:ORJ vs AFG, KNSL, THG: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Old Republic International Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Old Republic International's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Old Republic International (FRA:ORJ) has a Debt-to-EBITDA of 0.92 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Old Republic International. This is 41% below median its historical median of 1.56. Over the past decade, Old Republic International's Debt-to-EBITDA has ranged from 0.72 to 2.08. According to the industry distribution chart, Old Republic International ranks #187 out of 320 companies in the Insurance industry, placing it in the top 58.4%.
Is Old Republic International's Debt-to-EBITDA too high?
Old Republic International's current Debt-to-EBITDA of 0.92 is 41% below median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 2.08. The Insurance industry median Debt-to-EBITDA is 1.19. Old Republic International's value of 0.92 is 22.7% below this industry median. Based on the distribution chart, Old Republic International ranks #187 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, Old Republic International has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Republic International's Debt-to-EBITDA compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #187 out of 320 companies for Debt-to-EBITDA. This places Old Republic International in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Old Republic International's value of 0.92 is 22.7% below this benchmark. Historically, Old Republic International's own Debt-to-EBITDA has ranged from 0.72 to 2.08 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.19, Old Republic International has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current Debt-to-EBITDA of 0.92 is 22.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Old Republic International. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current Debt-to-EBITDA is 0.92, which is 41% below median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Old Republic International stock overvalued right now?
Based on GuruFocus' analysis, Old Republic International (FRA:ORJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €32.48, compared to a current price of €37.51 — trading 15.5% above its estimated fair value. The current Debt-to-EBITDA is 0.92, which is 41% below median its 10-year median of 1.56 and 22.7% below the Insurance industry median of 1.19. Old Republic International's overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Old Republic International (FRA:ORJ), the current Debt-to-EBITDA is 0.92 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Old Republic International (FRA:ORJ) Overvalued in 2026?
Based on GuruFocus' analysis, Old Republic International stock appears to be overvalued.
The current stock price of €37.51 is trading 15.5% above its estimated GF Value™ of €32.48.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for FRA:ORJ:
Debt-to-EBITDA: 0.92 (41% below median its 10-year median of 1.56)
GF Value™: €32.48 vs. price of €37.51 (15.5% above fair value)
Industry Position: 22.7% below the Insurance median (#187 of 320)
No single metric tells the full story. See the FRA:ORJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Old Republic International Corp is engaged in the business of insurance underwriting and related services. The company operates in two segments: Specialty Insurance and Title Insurance. The insurance provided by the company includes Automobile Extended Warranty Insurance, Aviation, Commercial Automobile Insurance, Inland Marine, Travel Accident, Workers' Compensation, Financial Indemnity, and others. The company generates the majority of its revenue from Specialty Insurance. The Specialty Insurance provides property and liability insurance principally to commercial clients.
81GF Score
Get the complete analysis for FRA:ORJ
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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