Old Republic International (ORI) earnings

OLD REPUBLIC INTERNATIONAL CORP· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Old Republic International earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	2,504 $ million	+13.4% YoY	Quarterly, as filed	Quarter to Jun 2026	Revenue from operations as filed.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	322 $ million	+57.7% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$38.91 −2.92% · −$1.17

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance −7.3% 1Y

1Y: $41.99 on 22 Oct 2025 → $38.91. High $46.62 (24 Dec 2025), low $36.66 (1 Jun 2026).

Previous close: $40.08
52-week range: $36.66 – $46.62
One year: −4.47%

Overview

Symbol: ORI
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +58% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	2,342	2,002	2,114	2,209	2,424	2,389	2,399	2,504
Profit before tax	427	131	308	260	353	263	413	410
Tax rate	20.6%	19.6%	20.0%	19.9%	20.6%	21.3%	20.3%	20.9%
Net profit	339	105	245	204	280	206	330	322
EPS ($ per share)	1.35	0.43	1.01	0.83	1.14	0.84	1.36	1.34

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	303	304	304	308	297	278	249	246
Reserves	3,850	4,386	4,395	5,214	5,322	5,644	5,520	5,515
Total liabilities	14,181	15,076	16,629	18,089	18,986	20,091	22,224	23,934
Total assets	19,327	21,076	22,815	24,982	25,159	26,501	27,843	29,863

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	761	936	1,185	1,312	1,171	880	1,233	1,164
Cash from investing	-239	-425	-845	-936	-415	25	-4	-177
Cash from financing	-546	-533	-300	-336	-833	-783	-1,227	-926
Net cash flow	—	-21	40	39	-77	123	2	61

Source: Inve data · cash flow · to Dec 2025

ORI revenue by segment

ORI revenue by business segment, share of consolidated revenue by quarter
Segment	Q1 FY2024	Q2 FY2024	Q3 FY2024	YoY growth latest quarter
Total Of Major Segments	91%	106%	91%	—

Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.

See how segments are shifting across companies → Segment Shift

ORI operating KPIs by quarter

ORI operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Combined ratio	95.3% So in the quarter, we produced $238 million of consolidated pretax operating income, and that compares to $268 million, our consolidated combined ratio was 95.3%, and that compares to $93.6 million. Source: earnings call transcript	96.1% During the quarter, we produced $227 million of consolidated pretax operating income, and that compares to $248 million and our consolidated combined ratio was 96.1%, and that compares to $95.3 million. Source: earnings call transcript	+0.8 pt
Combined ratio Specialty Insurance	95.5% Specialty's combined ratio was 95.5% compared to $90.7 million. Source: earnings call transcript	96% Specialty produced $204 million of pretax operating income and that compares to $208 million with a combined ratio of 96%, which compares to 94.8%. Source: earnings call transcript	+0.5 pt
Combined ratio Title Insurance	95.1% Title's combined ratio was 95.1% compared to 99. Source: earnings call transcript	96.1% In title, title net premiums and fees earned were 7.3% higher compared to the third quarter of '25 and title produced $50 million of pretax operating income compared to $46 million with a combined ratio of 96.1% compared to 96.4%. Source: earnings call transcript	+1 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

87 filings between Nov 3, 2025 and Sep 1, 2026.

Open market

decisions to buy or sell

Purchases

$100.0K

5 purchases by 2 insiders

Sales

$2.48M

8 sales by 3 insiders

Compensation

not trading decisions

12: Award — granted as compensation
26: Option exercise — converted options into shares
33: Tax withheld — shares kept back by the company to cover tax

Also filed: 3 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
MONROE CAROLYN	—	$1.29M	Sep 1, 2026
LANGE JEFFREY	—	$615.9K	Jul 29, 2026
OBERST STEPHEN J	—	$577.0K	Jul 28, 2026
Risch Therace	$51.1K	—	May 1, 2026
Smith John Eric	$48.9K	—	Mar 2, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 1, 2026	MONROE CAROLYN SVP - Title Insurance	Sale	4,386	$184.3K
Aug 11, 2026	MONROE CAROLYN SVP - Title Insurance	Tax withheld	13,292	$564.5K
Aug 11, 2026	MONROE CAROLYN SVP - Title Insurance	Option exercise	15,080	$515.1K
Aug 11, 2026	MONROE CAROLYN SVP - Title Insurance	Sale	1,788	$75.6K
Jul 29, 2026	LANGE JEFFREY SVPUnderwriting & Distribution	Sale	14,075	$615.9K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	28,000	$591.4K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	65,000	$1.38M
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Sale	13,125	$577.0K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Tax withheld	150,068	$6.46M
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	24,000	$503.5K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	15,000	$329.9K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	21,000	$419.6K
Jul 28, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	55,000	$1.25M
May 12, 2026	MONROE CAROLYN SVP - Title Insurance	Tax withheld	36,044	$1.41M
May 12, 2026	MONROE CAROLYN SVP - Title Insurance	Option exercise	19,314	$478.8K
May 12, 2026	MONROE CAROLYN SVP - Title Insurance	Option exercise	30,060	$595.5K
May 12, 2026	MONROE CAROLYN SVP - Title Insurance	Sale	13,330	$516.7K
May 1, 2026	Risch Therace Director	Purchase	300	$12.0K
Mar 16, 2026	Smiddy Craig R President & CEO	Tax withheld	11,643	$466.9K
Mar 16, 2026	OBERST STEPHEN J Executive Vice President	Tax withheld	3,426	$137.4K
Mar 16, 2026	LANGE JEFFREY SVPUnderwriting & Distribution	Tax withheld	2,199	$88.2K
Mar 16, 2026	GRAY WILLIAM T Executive VP & Treasurer	Tax withheld	2,034	$81.6K
Mar 16, 2026	DARE THOMAS SrVP Secretary General Counsel	Tax withheld	2,672	$107.1K
Mar 16, 2026	Sodaro Frank Joseph Sr. VP. & CFO	Tax withheld	2,447	$98.1K
Mar 11, 2026	GRAY WILLIAM T Executive VP & Treasurer	Option exercise	3,250	—
Mar 11, 2026	DARE THOMAS SrVP Secretary General Counsel	Tax withheld	881	$35.8K
Mar 11, 2026	DARE THOMAS SrVP Secretary General Counsel	Option exercise	2,752	—
Mar 11, 2026	Sodaro Frank Joseph Sr. VP. & CFO	Tax withheld	807	$32.8K
Mar 11, 2026	Smiddy Craig R President & CEO	Tax withheld	2,674	$108.7K
Mar 11, 2026	GRAY WILLIAM T Executive VP & Treasurer	Tax withheld	792	$32.2K
Mar 11, 2026	Sodaro Frank Joseph Sr. VP. & CFO	Option exercise	2,752	—
Mar 11, 2026	LANGE JEFFREY SVPUnderwriting & Distribution	Tax withheld	725	$29.5K
Mar 11, 2026	OBERST STEPHEN J Executive Vice President	Tax withheld	1,078	$43.8K
Mar 11, 2026	LANGE JEFFREY SVPUnderwriting & Distribution	Option exercise	2,752	—
Mar 11, 2026	MONROE CAROLYN SVP - Title Insurance	Tax withheld	705	$28.7K
Mar 11, 2026	MONROE CAROLYN SVP - Title Insurance	Option exercise	2,892	—
Mar 11, 2026	Smiddy Craig R President & CEO	Option exercise	9,123	—
Mar 11, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	3,679	—
Mar 6, 2026	Smiddy Craig R President & CEO	Option exercise	9,628	—
Mar 6, 2026	DARE THOMAS SrVP Secretary General Counsel	Tax withheld	963	$40.5K
Mar 6, 2026	DARE THOMAS SrVP Secretary General Counsel	Option exercise	3,008	—
Mar 6, 2026	GRAY WILLIAM T Executive VP & Treasurer	Option exercise	3,509	—
Mar 6, 2026	MONROE CAROLYN SVP - Title Insurance	Tax withheld	708	$29.8K
Mar 6, 2026	MONROE CAROLYN SVP - Title Insurance	Option exercise	2,907	—
Mar 6, 2026	OBERST STEPHEN J Executive Vice President	Tax withheld	1,232	$51.8K
Mar 6, 2026	GRAY WILLIAM T Executive VP & Treasurer	Tax withheld	921	$38.7K
Mar 6, 2026	OBERST STEPHEN J Executive Vice President	Option exercise	4,010	—
Mar 6, 2026	Sodaro Frank Joseph Sr. VP. & CFO	Tax withheld	956	$40.2K
Mar 6, 2026	Sodaro Frank Joseph Sr. VP. & CFO	Option exercise	3,008	—
Mar 6, 2026	LANGE JEFFREY SVPUnderwriting & Distribution	Tax withheld	867	$36.5K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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