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Old Republic InternationalORI +1.83%80 EV-to-FCF is 9.63 as of Jul. 18, 2026, which is 3% above its 10-year median of 9.36. GuruFocus rates ORI with a GF Score™ of 80/100 and a GF Value™ of $37.22 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 392 Insurance companies, Old Republic International ranks better than 50.51% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Old Republic International's Enterprise Value is $11,689 Mil.
Old Republic International's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,214 Mil. Therefore, Old Republic International's EV-to-FCF for today is 9.63.
The historical rank and industry rank for Old Republic International's EV-to-FCF or its related term are showing as below:
ORI'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.8 Med: 9.36 Max: 17.53
Current: 9.63
During the past 13 years, the highest EV-to-FCF of Old Republic International was 17.53. The lowest was 4.80. And the median was 9.36.
ORI's EV-to-FCF is ranked better than 50.51% of 392
companies
in the Insurance industry
Industry Median: 9.795
vs ORI: 9.63
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Old Republic International (NYSE:ORI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Old Republic International's PE Ratio (TTM) for today is calculated as:
Old Republic International's share price for today is $42.24.
Old Republic International's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.060.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Old Republic International EV-to-FCF Related Terms
Old Republic International EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Old Republic International's EV-to-FCF falls into.
Old Republic International's current Enterprise Value is $11,689 Mil.
Old Republic International's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,214 Mil.
* 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 EV-to-FCF of 9.63 as of Jul. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Old Republic International and its competitors. This is near median its historical median of 9.36. Over the past decade, Old Republic International's EV-to-FCF has ranged from 4.80 to 17.53. According to the industry distribution chart, Old Republic International ranks #194 out of 392 companies in the Insurance industry, placing it in the top 49.5%.
Is Old Republic International's EV-to-FCF too high?
Old Republic International's current EV-to-FCF of 9.63 is near median its 10-year median of 9.36. Over the past 10 years, this metric has ranged from a low of 4.80 to a high of 17.53. The Insurance industry median EV-to-FCF is 9.80. Old Republic International's value of 9.63 is 1.7% below this industry median. Based on the distribution chart, Old Republic International ranks #194 out of 392 companies in the Insurance industry, which is above the industry midpoint. Overall, Old Republic International has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Old Republic International's EV-to-FCF compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #194 out of 392 companies for EV-to-FCF. This puts Old Republic International in the upper half of its industry. The industry median EV-to-FCF is 9.80. Old Republic International's value of 9.63 is 1.7% below this benchmark. Historically, Old Republic International's own EV-to-FCF has ranged from 4.80 to 17.53 over the past decade. While the company's 10-year median is 9.36 vs. the industry median of 9.80, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current EV-to-FCF of 9.63 is 1.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Old Republic International and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current EV-to-FCF is 9.63, which is near median its own 10-year median of 9.36. 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 $37.22, compared to a current price of $42.24 — trading 13.5% above its estimated fair value. The current EV-to-FCF is 9.63, which is near median its 10-year median of 9.36 and 1.7% below the Insurance industry median of 9.80. Old Republic International's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Old Republic International (ORI), the current EV-to-FCF is 9.63 as of Jul. 18, 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 $42.24 is trading 13.5% above its estimated GF Value™ of $37.22.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for ORI:
EV-to-FCF: 9.63 (near median its 10-year median of 9.36)
GF Value™: $37.22 vs. price of $42.24 (13.5% above fair value)
Industry Position: 1.7% below the Insurance median (#194 of 392)
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.
80GF Score
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