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Old Republic InternationalORI -1.30%76 Equity-to-Asset is 0.19 as of Jun. 2026, which is 21% below its 10-year median of 0.24. GuruFocus rates ORI with a GF Score™ of 76/100 and a GF Value™ of $38.67 (Fairly Valued). The stock has 6 warning signs investors should review. Among 508 Insurance companies, Old Republic International ranks worse than 65.16% on this metric.
Old Republic International (NYSE:ORI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Old Republic International Equity-to-Asset Related Terms
Old Republic International Equity-to-Asset 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.
For the Insurance - Property & Casualty subindustry, Old Republic International's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Old Republic International's Equity-to-Asset falls into.
Old Republic International Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Old Republic International's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (ORI) has a Equity-to-Asset of 0.19 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Old Republic International and its competitors. This is 21% below median its historical median of 0.24. Over the past decade, Old Republic International's Equity-to-Asset has ranged from 0.19 to 0.29. According to the industry distribution chart, Old Republic International ranks #331 out of 508 companies in the Insurance industry, placing it in the top 65.2%.
Is Old Republic International's Equity-to-Asset too high?
Old Republic International's current Equity-to-Asset of 0.19 is 21% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.29. The Insurance industry median Equity-to-Asset is 0.26. Old Republic International's value of 0.19 is 26.9% below this industry median. Based on the distribution chart, Old Republic International ranks #331 out of 508 companies in the Insurance industry, which is below the industry midpoint. Overall, Old Republic International has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Old Republic International's Equity-to-Asset compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #331 out of 508 companies for Equity-to-Asset. This places Old Republic International in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Old Republic International's value of 0.19 is 26.9% below this benchmark. Historically, Old Republic International's own Equity-to-Asset has ranged from 0.19 to 0.29 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current Equity-to-Asset of 0.19 is 26.9% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Old Republic International and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current Equity-to-Asset is 0.19, which is 21% below median its own 10-year median of 0.24. 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 Fairly Valued. The stock's GF Value™ is $38.67, compared to a current price of $42.47 — trading 9.8% above its estimated fair value. The current Equity-to-Asset is 0.19, which is 21% below median its 10-year median of 0.24 and 26.9% below the Insurance industry median of 0.26. Old Republic International's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Old Republic International (ORI), the current Equity-to-Asset is 0.19 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 $42.47 is trading 9.8% above its estimated GF Value™ of $38.67.
GuruFocus considers Old Republic International to be Fairly Valued.
Key valuation signals for ORI:
Equity-to-Asset: 0.19 (21% below median its 10-year median of 0.24)
GF Value™: $38.67 vs. price of $42.47 (9.8% above fair value)
Industry Position: 26.9% below the Insurance median (#331 of 508)
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 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.
76GF Score
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