ORI (Old Republic International) E10: $3.35 (As of Jun. 2026)

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ORI Old Republic International Corp ORI
85 GF Score
Price $43.37
GF Value $38.84
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Old Republic International E10?

Old Republic International ORI -0.34% 85 E10 is $3.35 as of Jun. 2026. GuruFocus rates ORI with a GF Score™ of 85/100 and a GF Value™ of $38.84 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Old Republic International's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.310. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.35 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Old Republic International's average E10 Growth Rate was 11.70% per year. During the past 3 years, the average E10 Growth Rate was 6.70% per year. During the past 5 years, the average E10 Growth Rate was 14.40% per year. During the past 10 years, the average E10 Growth Rate was 26.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Old Republic International was 50.40% per year. The lowest was -18.00% per year. And the median was 10.00% per year.

As of today (2026-08-06), Old Republic International's current stock price is $43.37. Old Republic International's E10 for the quarter that ended in Jun. 2026 was $3.35. Old Republic International's Shiller PE Ratio of today is 12.95.

During the past 13 years, the highest Shiller PE Ratio of Old Republic International was 62.88. The lowest was 8.77. And the median was 13.55.


Old Republic International  (NYSE:ORI) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Old Republic International's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=43.37/3.35
=12.95

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Old Republic International was 62.88. The lowest was 8.77. And the median was 13.55.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Old Republic International E10 Related Terms


Old Republic International E10 Historical Data

* Premium members only.

The historical data trend for Old Republic International's E10 can be seen below:

* 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.

Old Republic International E10 Chart

Old Republic International Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.14 2.55 2.64 2.85 3.10

Old Republic International Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.00 3.07 3.10 3.23 3.35

ORI vs AFG, KNSL, THG: E10 Comparison

For the Insurance - Property & Casualty subindustry, Old Republic International's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Old Republic International's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Old Republic International's Shiller PE Ratio falls into.


ORI
85GF Score
Old Republic International Corp ORI
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Old Republic International E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Old Republic International's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.31/333.9520*333.9520
=1.310

Current CPI (Jun. 2026) = 333.9520.

Old Republic International Quarterly Data

per share eps CPI Adj_EPS
201609 0.390 241.428 0.539
201612 0.460 241.432 0.636
201703 0.390 243.801 0.534
201706 0.350 244.955 0.477
201709 0.170 246.819 0.230
201712 1.010 246.524 1.368
201803 0.010 249.554 0.013
201806 0.660 251.989 0.875
201809 0.920 252.439 1.217
201812 -0.360 251.233 -0.479
201903 1.370 254.202 1.800
201906 0.550 256.143 0.717
201909 0.670 256.759 0.871
201912 0.910 256.974 1.183
202003 -2.010 258.115 -2.601
202006 1.340 257.797 1.736
202009 0.830 260.280 1.065
202012 1.740 260.474 2.231
202103 1.680 264.877 2.118
202106 1.050 271.696 1.291
202109 0.290 274.310 0.353
202112 2.060 278.802 2.467
202203 1.000 287.504 1.162
202206 -0.130 296.311 -0.147
202209 -0.310 296.808 -0.349
202212 1.730 296.797 1.947
202303 0.680 301.836 0.752
202306 0.540 305.109 0.591
202309 0.190 307.789 0.206
202312 0.690 306.746 0.751
202403 1.150 312.332 1.230
202406 0.350 314.175 0.372
202409 1.320 315.301 1.398
202412 0.420 315.605 0.444
202503 0.980 319.799 1.023
202506 0.810 322.561 0.839
202509 1.110 324.800 1.141
202512 0.820 324.054 0.845
202603 1.320 330.213 1.335
202606 1.310 333.952 1.310

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.35 mean?
Old Republic International (ORI) has a E10 of $3.35 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Old Republic International and its competitors.
Is Old Republic International's E10 too high?
Old Republic International's current E10 is $3.35. Overall, Old Republic International has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Republic International's E10 compare to AFG and KNSL?
Old Republic International's E10 of $3.35 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Old Republic International and its competitors. Old Republic International's current E10 is $3.35. 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 (ORI) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.84, compared to a current price of $43.37 — trading 11.7% above its estimated fair value. The current E10 is $3.35. Old Republic International's overall GF Score™ is 85/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Old Republic International (ORI), the current E10 is $3.35 as of Jun. 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 (ORI) Overvalued in 2026?

Based on GuruFocus' analysis, Old Republic International stock appears to be overvalued. The current stock price of $43.37 is trading 11.7% above its estimated GF Value™ of $38.84. GuruFocus considers Old Republic International to be Modestly Overvalued.

Key valuation signals for ORI:

  • E10: $3.35
  • GF Value™: $38.84 vs. price of $43.37 (11.7% above fair value)
  • GF Score™: 85/100 with 6 warning signs

No single metric tells the full story. See the ORI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Old Republic International Business Description

Other Exchanges ORJ:Germany
Address 307 North Michigan Avenue, Chicago, IL, USA, 60601
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.
85GF Score

Get the complete analysis for ORI

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.37
Price
$38.84
GF Value