Old Republic InternationalFRA:ORJ +1.81%80 FCF Margin % is 11.73% as of Mar. 2026, which is 7% below its 10-year median of 12.65. GuruFocus rates FRA:ORJ with a GF Score™ of 80/100 and a GF Value™ of €32.25 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Old Republic International ranks better than 59.88% on this metric.
* 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, CNA: FCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Old Republic International's FCF Margin % 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.
Old Republic International (FRA:ORJ) has a FCF Margin % of 11.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Old Republic International and its competitors. This is near median its historical median of 12.65. Over the past decade, Old Republic International's FCF Margin % has ranged from 7.23 to 16.54. According to the industry distribution chart, Old Republic International ranks #201 out of 501 companies in the Insurance industry, placing it in the top 40.1%.
Is Old Republic International's FCF Margin % too high?
Old Republic International's current FCF Margin % of 11.73% is near median its 10-year median of 12.65. Over the past 10 years, this metric has ranged from a low of 7.23 to a high of 16.54. The Insurance industry median FCF Margin % is 9.60. Old Republic International's value of 11.73% is 22.2% above this industry median. Based on the distribution chart, Old Republic International ranks #201 out of 501 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 FCF Margin % compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #201 out of 501 companies for FCF Margin %. This puts Old Republic International in the upper half of its industry. The industry median FCF Margin % is 9.60. Old Republic International's value of 11.73% is 22.2% above this benchmark. Historically, Old Republic International's own FCF Margin % has ranged from 7.23 to 16.54 over the past decade. While the company's 10-year median is 12.65 vs. the industry median of 9.60, Old Republic International has consistently been above 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current FCF Margin % of 11.73% is 22.2% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Old Republic International and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current FCF Margin % is 11.73%, which is near median its own 10-year median of 12.65. 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 €32.25, compared to a current price of €35.96 — trading 11.5% above its estimated fair value. The current FCF Margin % is 11.73%, which is near median its 10-year median of 12.65 and 22.2% above the Insurance industry median of 9.60. Old Republic International's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Old Republic International (FRA:ORJ), the current FCF Margin % is 11.73% 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 €35.96 is trading 11.5% above its estimated GF Value™ of €32.25.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for FRA:ORJ:
FCF Margin %: 11.73% (near median its 10-year median of 12.65)
GF Value™: €32.25 vs. price of €35.96 (11.5% above fair value)
Industry Position: 22.2% above the Insurance median (#201 of 501)
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.
80GF Score
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