Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

OLD REPUBLIC INTERNATIONAL CORP
Next earnings Jul 22, 2026 · consensus $0.81 EPS, $2.40B rev
Last earnings -5.2% on 2026-04-23
Old Republic compounds at a 15.8% ROE, grew EPS 15%, and trades at just 10.4x with a generous capital-return record.
Sources: SEC EDGAR (CIK 0000074260, latest 10-Q filed 2026-05-01) · EODHD · analysis by claude-code · as of 6/21/2026, 8:48:05 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Quality fundamentals and an attractive price line up (~108% below fair value) — the rarer case where both the business and the entry look good.
Old Republic is a disciplined, diversified insurer (general/specialty lines plus title insurance) with a long history of conservative underwriting and investment management. FY2025 was strong: revenue grew 11.0% to $9.14B and net income rose 9.7% to $935M, while diluted EPS grew faster at 14.8% to $3.72 thanks to a 1.0% reduction in shares. ROE of 15.8% is attractive for an insurer, and the net margin of 10.2% reflects sound underwriting and investment income across the cycle. The recovery from the FY2022-2023 trough (net income $686M then $599M, dragged by the title-insurance/mortgage slowdown) back toward FY2021-like levels shows the franchise's resilience.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
Unlock with Pro€15/mo · cancel anytime
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $9.34B | $8.08B | $7.26B | $8.23B | $9.14B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $1.53B | $686M | $599M | $853M | $935M |
| Diluted EPS | $5.05 | $2.26 | $2.10 | $3.24 | $3.72 |
| Net margin | 16.4% | 8.5% | 8.2% | 10.4% | 10.2% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
1482 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 1 open-market buy · 1 sale
| 2026-05-12 | MONROE CAROLYN SVP - Title Insurance | Exercise | 30.1K @ $19.81 | $595K |
| 2026-05-12 | MONROE CAROLYN SVP - Title Insurance | Exercise | 19.3K @ $24.79 | $479K |
| 2026-05-12 | MONROE CAROLYN SVP - Title Insurance | Tax | 36.0K @ $39.22 | $1.41M |
| 2026-05-12 | MONROE CAROLYN SVP - Title Insurance | Sell | 13.3K @ $38.76 | $517K |
| 2026-05-01 | Risch Therace Director | Buy | 300.00 @ $39.90 | $12.0K |
| 2026-03-16 | OBERST STEPHEN J Executive Vice President | Tax | 3.43K @ $40.10 | $137K |
| 2026-03-16 | LANGE JEFFREY SVPUnderwriting & Distribution | Tax | 2.20K @ $40.10 | $88.2K |
| 2026-03-16 | GRAY WILLIAM T Executive VP & Treasurer | Tax | 2.03K @ $40.10 | $81.6K |
| 2026-03-16 | DARE THOMAS SrVP Secretary General Counsel | Tax | 2.67K @ $40.10 | $107K |
| 2026-03-16 | Sodaro Frank Joseph Sr. VP. & CFO | Tax | 2.45K @ $40.10 | $98.1K |
| 2026-03-16 | Smiddy Craig R President & CEO | Tax | 11.6K @ $40.10 | $467K |