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Old Republic InternationalFRA:ORJ +0.36%80 3-Year ROIIC % is 5.75 as of Dec. 2025, which is 221% above its 10-year median of 1.79. GuruFocus rates FRA:ORJ with a GF Score™ of 80/100 and a GF Value™ of €33.00 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 333 Insurance companies, Old Republic International ranks better than 51.35% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Old Republic International's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 5.75%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Old Republic International's 3-Year ROIIC % or its related term are showing as below:
FRA:ORJ's 3-Year ROIIC % is ranked better than 51.35% of 333
companies
in the Insurance industry
Industry Median: 5.2
vs FRA:ORJ: 5.75
Old Republic International (FRA:ORJ) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Old Republic International 3-Year ROIIC % Related Terms
Old Republic International 3-Year ROIIC % 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, THG: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Old Republic International's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Old Republic International (FRA:ORJ) has a 3-Year ROIIC % of 5.75 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Old Republic International and its competitors. This is 221% above median its historical median of 1.79. According to the industry distribution chart, Old Republic International ranks #162 out of 333 companies in the Insurance industry, placing it in the top 48.6%.
Is Old Republic International's 3-Year ROIIC % too high?
Old Republic International's current 3-Year ROIIC % of 5.75 is 221% above median its 10-year median of 1.79. The Insurance industry median 3-Year ROIIC % is 5.20. Old Republic International's value of 5.75 is 10.6% above this industry median. Based on the distribution chart, Old Republic International ranks #162 out of 333 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 3-Year ROIIC % compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #162 out of 333 companies for 3-Year ROIIC %. This puts Old Republic International in the upper half of its industry. The industry median 3-Year ROIIC % is 5.20. Old Republic International's value of 5.75 is 10.6% above this benchmark. While the company's 10-year median is 1.79 vs. the industry median of 5.20, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current 3-Year ROIIC % of 5.75 is 10.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Old Republic International and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current 3-Year ROIIC % is 5.75, which is 221% above median its own 10-year median of 1.79. 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 €33.00, compared to a current price of €36.73 — trading 11.3% above its estimated fair value. The current 3-Year ROIIC % is 5.75, which is 221% above median its 10-year median of 1.79 and 10.6% above the Insurance industry median of 5.20. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Old Republic International (FRA:ORJ), the current 3-Year ROIIC % is 5.75 as of Dec. 2025. 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 €36.73 is trading 11.3% above its estimated GF Value™ of €33.00.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for FRA:ORJ:
3-Year ROIIC %: 5.75 (221% above median its 10-year median of 1.79)
GF Value™: €33.00 vs. price of €36.73 (11.3% above fair value)
Industry Position: 10.6% above the Insurance median (#162 of 333)
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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