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Old Republic InternationalFRA:ORJ +0.16%80 5-Year Yield-on-Cost % is 3.87 as of Jul. 21, 2026, which is 21% below its 10-year median of 4.91. GuruFocus rates FRA:ORJ with a GF Score™ of 80/100 and a GF Value™ of €32.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 418 Insurance companies, Old Republic International ranks better than 50.48% on this metric.
The historical rank and industry rank for Old Republic International's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:ORJ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.36 Med: 4.91 Max: 8.22
Current: 3.87
During the past 13 years, Old Republic International's highest Yield on Cost was 8.22. The lowest was 3.36. And the median was 4.91.
FRA:ORJ's 5-Year Yield-on-Cost % is ranked better than 50.48% of 418
companies
in the Insurance industry
Industry Median: 3.9
vs FRA:ORJ: 3.87
Old Republic International (FRA:ORJ) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Old Republic International 5-Year Yield-on-Cost % Related Terms
FRA:ORJ vs AFG, KNSL, THG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Old Republic International's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Old Republic International's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Old Republic International's 5-Year Yield-on-Cost % falls into.
Old Republic International 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Old Republic International (FRA:ORJ) has a 5-Year Yield-on-Cost % of 3.87 as of Jul. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Old Republic International and its competitors. This is 21% below median its historical median of 4.91. Over the past decade, Old Republic International's 5-Year Yield-on-Cost % has ranged from 3.36 to 8.22. According to the industry distribution chart, Old Republic International ranks #207 out of 418 companies in the Insurance industry, placing it in the top 49.5%.
Is Old Republic International's 5-Year Yield-on-Cost % too high?
Old Republic International's current 5-Year Yield-on-Cost % of 3.87 is 21% below median its 10-year median of 4.91. Over the past 10 years, this metric has ranged from a low of 3.36 to a high of 8.22. The Insurance industry median 5-Year Yield-on-Cost % is 3.90. Old Republic International's value of 3.87 is 0.8% below this industry median. Based on the distribution chart, Old Republic International ranks #207 out of 418 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 5-Year Yield-on-Cost % compare to AFG and KNSL?
According to the Insurance industry distribution chart, Old Republic International ranks #207 out of 418 companies for 5-Year Yield-on-Cost %. This puts Old Republic International in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. Old Republic International's value of 3.87 is 0.8% below this benchmark. Historically, Old Republic International's own 5-Year Yield-on-Cost % has ranged from 3.36 to 8.22 over the past decade. While the company's 10-year median is 4.91 vs. the industry median of 3.90, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.90, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Old Republic International's current 5-Year Yield-on-Cost % of 3.87 is 0.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Old Republic International and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Old Republic International's current 5-Year Yield-on-Cost % is 3.87, which is 21% below median its own 10-year median of 4.91. 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 €32.71, compared to a current price of €37.07 — trading 13.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.87, which is 21% below median its 10-year median of 4.91 and 0.8% below the Insurance industry median of 3.90. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Old Republic International (FRA:ORJ), the current 5-Year Yield-on-Cost % is 3.87 as of Jul. 21, 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 €37.07 is trading 13.3% above its estimated GF Value™ of €32.71.
GuruFocus considers Old Republic International to be Modestly Overvalued.
Key valuation signals for FRA:ORJ:
5-Year Yield-on-Cost %: 3.87 (21% below median its 10-year median of 4.91)
GF Value™: €32.71 vs. price of €37.07 (13.3% above fair value)
Industry Position: 0.8% below the Insurance median (#207 of 418)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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