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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Old Republic International's Total Liabilities for the quarter that ended in Jun. 2026 was $25,505 Mil. Old Republic International's Total Assets for the quarter that ended in Jun. 2026 was $31,592 Mil.
Therefore, Old Republic International's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.81.
Old Republic International (NYSE:ORI) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Old Republic International Liabilities-to-Assets Related Terms
Old Republic International Liabilities-to-Assets 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.
Old Republic International Liabilities-to-Assets Chart
ORI vs AFG, KNSL, THG: Liabilities-to-Assets Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Old Republic International's Liabilities-to-Assets falls into.
Old Republic International Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Old Republic International's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.81 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Old Republic International and its competitors.
Is Old Republic International's Liabilities-to-Assets too high?
Old Republic International's current Liabilities-to-Assets is 0.81. 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 Liabilities-to-Assets compare to AFG and KNSL?
Old Republic International's Liabilities-to-Assets of 0.81 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 Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Old Republic International and its competitors. Old Republic International's current Liabilities-to-Assets is 0.81. 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 $43.45 — trading 11.9% above its estimated fair value. The current Liabilities-to-Assets is 0.81. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Old Republic International (ORI), the current Liabilities-to-Assets is 0.81 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 $43.45 is trading 11.9% above its estimated GF Value™ of $38.84.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for ORI:
Liabilities-to-Assets: 0.81
GF Value™: $38.84 vs. price of $43.45 (11.9% above fair value)
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.
85GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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