Old Republic InternationalFRA:ORJ +1.81%80 Net Margin % is 13.76% as of Mar. 2026, which is 58% above its 10-year median of 8.72. 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 56.49% on this metric.
The historical rank and industry rank for Old Republic International's Net Margin % or its related term are showing as below:
FRA:ORJ'
s Net Margin % Range Over the Past 10 Years
Min: 5.92 Med: 8.72 Max: 16.42
Current: 10.83
FRA:ORJ's Net Margin % is ranked better than 56.49% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:ORJ: 10.83
Old Republic International (FRA:ORJ) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Old Republic International Net Margin % Related Terms
Old Republic International Net Margin % 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.
FRA:ORJ vs AFG, KNSL, CNA: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's Net Margin % distribution charts can be found below:
* The bar in red indicates where Old Republic International's Net 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 Net Margin % of 13.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Old Republic International and its competitors. This is 58% above median its historical median of 8.72. Over the past decade, Old Republic International's Net Margin % has ranged from 5.92 to 16.42. According to the industry distribution chart, Old Republic International ranks #218 out of 501 companies in the Insurance industry, placing it in the top 43.5%.
Is Old Republic International's Net Margin % too high?
Old Republic International's current Net Margin % of 13.76% is 58% above median its 10-year median of 8.72. Over the past 10 years, this metric has ranged from a low of 5.92 to a high of 16.42. The Insurance industry median Net Margin % is 9.29. Old Republic International's value of 13.76% is 48.1% above this industry median. Based on the distribution chart, Old Republic International ranks #218 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 Net Margin % compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #218 out of 501 companies for Net Margin %. This puts Old Republic International in the upper half of its industry. The industry median Net Margin % is 9.29. Old Republic International's value of 13.76% is 48.1% above this benchmark. Historically, Old Republic International's own Net Margin % has ranged from 5.92 to 16.42 over the past decade. While the company's 10-year median is 8.72 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current Net Margin % of 13.76% is 48.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Old Republic International and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current Net Margin % is 13.76%, which is 58% above median its own 10-year median of 8.72. 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 Net Margin % is 13.76%, which is 58% above median its 10-year median of 8.72 and 48.1% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Old Republic International (FRA:ORJ), the current Net Margin % is 13.76% 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:
Net Margin %: 13.76% (58% above median its 10-year median of 8.72)
GF Value™: €32.25 vs. price of €35.96 (11.5% above fair value)
Industry Position: 48.1% above the Insurance median (#218 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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