ORI
Old Republic International Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Sell
-28/100
Last price
38.01
▲ 0.22 (0.58%)
MARKET · —
Price
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Tool
1D
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Open
—
Prev close
37.79
Day high
38.15
Day low
37.79
Volume
1.12M
Market cap
$9.18B
P/E (TTM)
8.35
52W range
36.65 – 46.76
Trailing performance
Returnvs SPY
1W
-0.11%
-2.1%
1M
-8.25%
-9.4%
3M
-8.41%
-12.9%
6M
-6.12%
-24.3%
YTD
-16.72%
-31.0%
1Y
-12.32%
-28.7%
3Y
+41.09%
-41.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ORI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+226.05K
Net buying
Buy transactions
4
272.75K shares
Sell transactions
5
46.70K shares
Net transactions
+9
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
18.54M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 1, 26 | MONROE CAROLYN Officer |
SELL | 4.39K | $184.26K | Direct |
| Aug 11, 26 | MONROE CAROLYN Officer |
SELL | 1.79K | $75.56K | Direct |
| Aug 11, 26 | MONROE CAROLYN Officer |
CONVERSION | 15.08K | $515.13K | Direct |
| Jul 29, 26 | LANGE JEFFREY Officer |
SELL | 14.07K | $615.92K | Direct |
| Jul 28, 26 | OBERST STEPHEN J Officer |
SELL | 13.13K | $576.98K | Direct |
| Jul 28, 26 | OBERST STEPHEN J Officer |
CONVERSION | 208.00K | $4.48M | Direct |
| May 12, 26 | MONROE CAROLYN Officer |
SELL | 13.33K | $516.67K | Direct |
| May 12, 26 | MONROE CAROLYN Officer |
CONVERSION | 49.37K | $1.07M | Direct |
| May 1, 26 | RISCH THERACE M Director |
BUY | 300 | $11.97K | Direct |
| Mar 11, 26 | SODARO FRANK JOSEPH Chief Financial Officer |
— | 2.75K | — | Direct |
| Mar 11, 26 | SMIDDY CRAIG R Chief Executive Officer |
— | 9.12K | — | Direct |
| Mar 11, 26 | OBERST STEPHEN J Officer |
— | 3.68K | — | Direct |
| Mar 11, 26 | DARE THOMAS General Counsel |
— | 2.75K | — | Direct |
| Mar 11, 26 | MONROE CAROLYN Officer |
— | 2.89K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BATEMAN STEVEN J |
Director | 33.51K | Stock Award(Grant) |
DARE THOMAS |
General Counsel | 49.66K | Conversion of Exercise of derivative security |
GRAY WILLIAM TODD |
Officer and Treasurer | 65.00K | Conversion of Exercise of derivative security |
LEROY SPENCERIII |
Director | 104.64K | Stock Award(Grant) |
MONROE CAROLYN |
Officer | 30.00K | Sale |
OBERST STEPHEN J |
Officer | 194.37K | Sale |
SMIDDY CRAIG R |
Chief Executive Officer | 190.35K | Conversion of Exercise of derivative security |
SODARO FRANK JOSEPH |
Chief Financial Officer | 53.15K | Conversion of Exercise of derivative security |
TAUBITZ FREDRICKA |
Director | 24.20K | Stock Award(Grant) |
WALKER STEVEN R |
Director | 73.02K | Stock Award(Grant) |
Fundamentals
Market cap$9.18B
Enterprise value$8.76B
Revenue (TTM)$9.72B
Gross profit$6.21B
EBITDA$1.55B
Net income$1.14B
EPS (TTM)$4.55
Free cash flow$1.42B
Total cash$2.65B
Total debt$2.28B
Book value / share$25.32
Shares outstanding241.43M
Float221.13M
Short % of float5.89%
Dividend yield3.31%
Beta (5Y)0.59
Valuation & profitability ratios
Trailing P/E8.35
Forward P/E11.52
PEG ratio1.39
Price / sales—
Price / book1.50
EV / revenue0.90
EV / EBITDA5.65
Gross margin63.92%
Operating margin17.45%
Profit margin11.71%
Return on equity18.57%
Return on assets3.12%
Debt / equity37.52
Current ratio0.29
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $9.14B | $8.23B | $7.26B | $8.08B | +11.0% |
| Operating revenue | $9.14B | $8.23B | $7.26B | $8.08B | +11.0% |
| Net interest income | -$70.30M | -$77.30M | -$70.50M | -$66.70M | +9.1% |
| Pre-tax income | $1.18B | $1.07B | $747.40M | $857.40M | +10.7% |
| Tax provision | $242.10M | $216.90M | $148.70M | $170.90M | +11.6% |
| Net income | $935.40M | $852.70M | $598.60M | $686.40M | +9.7% |
| Net income to common | $935.40M | $852.70M | $598.60M | $686.40M | +9.7% |
| Basic EPS | 3.82 | 3.30 | 2.12 | 2.28 | +15.8% |
| Diluted EPS | 3.72 | 3.24 | 2.10 | 2.26 | +14.8% |
| EBIT | $1.25B | $1.15B | $817.90M | $924.10M | +9.4% |
| Basic shares | 244.87M | 258.39M | 282.36M | 301.05M | -5.2% |
| Diluted shares | 251.45M | 263.18M | 285.05M | 303.72M | -4.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $263.20M | $201.90M | $202.80M | $81.00M | — | +30.4% |
| Cash & short-term investments | $3.23B | $13.70B | $13.38B | $12.69B | — | -76.4% |
| Accounts receivable | $9.39B | $8.46B | $7.35B | $6.75B | — | +11.0% |
| Total assets | $29.86B | $27.84B | $26.50B | $25.16B | — | +7.3% |
| Current debt | — | $0 | $399.50M | $399.00M | $1.59B | — |
| Long-term debt | $1.59B | $1.59B | $1.19B | $1.20B | — | +0.1% |
| Total debt | $1.59B | $1.59B | $1.59B | $1.60B | — | +0.1% |
| Total liabilities | $23.93B | $22.22B | $20.09B | $18.99B | — | +7.7% |
| Retained earnings | $5.52B | $5.52B | $5.64B | $5.32B | — | -0.1% |
| Shareholder equity | $5.91B | $5.62B | $6.41B | $6.17B | — | +5.2% |
| Net tangible assets | $5.91B | $5.62B | $6.41B | $6.17B | — | +5.2% |
| Shares issued | 246.36M | 248.82M | 278.39M | 296.93M | — | -1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $941.90M | $852.70M | $598.60M | $686.40M | +10.5% |
| Change in working capital | $477.80M | $609.60M | -$10.30M | $313.00M | -21.6% |
| Operating cash flow | $1.16B | $1.23B | $880.40M | $1.17B | -5.6% |
| Investing cash flow | -$177.20M | -$3.90M | $25.30M | -$415.00M | -4,443.6% |
| Share buybacks | -$123.80M | -$942.20M | -$535.30M | -$281.20M | +86.9% |
| Dividends paid | -$782.60M | -$271.90M | -$275.50M | -$579.70M | -187.8% |
| Financing cash flow | -$925.70M | -$1.23B | -$783.20M | -$832.70M | +24.5% |
| Free cash flow | $1.16B | $1.23B | $880.40M | $1.17B | -5.6% |
| End cash position | $263.20M | $201.90M | $202.80M | $81.00M | +30.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $2.50B | $2.40B | $2.39B | $2.42B | $2.21B | +4.3% |
| Operating revenue | $2.50B | $2.40B | $2.39B | $2.42B | $2.21B | +4.3% |
| Net interest income | -$26.50M | -$17.70M | -$17.40M | -$17.30M | -$17.60M | -49.7% |
| Pre-tax income | $410.20M | $413.40M | $263.10M | $352.90M | $260.10M | -0.8% |
| Tax provision | $85.70M | $83.80M | $56.00M | $72.80M | $51.70M | +2.3% |
| Net income | $322.30M | $330.00M | $206.40M | $279.50M | $204.40M | -2.3% |
| Net income to common | $322.30M | $330.00M | $206.40M | $279.50M | $204.40M | -2.3% |
| Basic EPS | 1.34 | 1.36 | 0.84 | 1.14 | 0.83 | -1.5% |
| Diluted EPS | 1.31 | 1.32 | 0.82 | 1.11 | 0.81 | -0.8% |
| EBIT | $436.70M | $431.10M | $280.50M | $370.20M | $277.70M | +1.3% |
| Basic shares | 240.52M | 242.65M | 245.60M | 245.18M | 246.27M | -0.9% |
| Diluted shares | 246.03M | 250.00M | 251.59M | 251.80M | 252.35M | -1.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $417.70M | $202.10M | $263.20M | $242.50M | $178.10M | +106.7% |
| Cash & short-term investments | $3.94B | $2.54B | $3.23B | $3.14B | $2.76B | +55.5% |
| Accounts receivable | $10.07B | $9.51B | $9.39B | $9.76B | $9.40B | +6.0% |
| Total assets | $31.59B | $29.60B | $29.86B | $30.25B | $29.26B | +6.7% |
| Current debt | $693.50M | — | — | — | — | — |
| Long-term debt | $1.59B | $1.59B | $1.59B | $1.59B | $1.59B | +0.0% |
| Total debt | $2.28B | $1.59B | $1.59B | $1.59B | $1.59B | +43.6% |
| Total liabilities | $25.50B | $23.67B | $23.93B | $23.81B | $23.05B | +7.7% |
| Retained earnings | $5.85B | $5.65B | $5.52B | $6.04B | $5.85B | +3.5% |
| Shareholder equity | $6.07B | $5.91B | $5.91B | $6.42B | $6.19B | +2.7% |
| Net tangible assets | $6.07B | $5.91B | $5.91B | $6.42B | $6.19B | +2.7% |
| Shares issued | 241.43M | 242.83M | 246.36M | 247.45M | 248.47M | -0.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $324.40M | $329.50M | $207.20M | $280.20M | $208.40M | -1.5% |
| Change in working capital | $189.60M | $179.30M | $41.40M | $328.20M | -$33.50M | +5.7% |
| Operating cash flow | $199.70M | $281.40M | $234.90M | $563.90M | $133.80M | -29.0% |
| Investing cash flow | -$537.10M | $518.20M | -$83.70M | -$381.10M | -$140.80M | -203.6% |
| Share buybacks | -$60.20M | -$159.80M | -$55.20M | -$43.30M | $0 | +62.3% |
| Dividends paid | -$76.60M | -$693.80M | -$70.80M | -$70.90M | -$73.00M | +89.0% |
| Financing cash flow | $553.20M | -$860.80M | -$130.50M | -$118.30M | -$78.50M | +164.3% |
| Free cash flow | $199.70M | $281.40M | $234.90M | $563.90M | $133.80M | -29.0% |
| End cash position | $417.70M | $202.10M | $263.20M | $242.50M | $178.10M | +106.7% |
Options analytics
Put / call volume
0.41
Call-heavy session
Put / call open interest
0.31
Positioning, not flow
Max pain
40.00
+5.2% from spot
ATM implied vol
6.3%
Nearest strike to spot
Skew (10% OTM)
+6.2%
Puts bid over calls
Call volume
27
Contracts, this expiry
Put volume
11
Contracts, this expiry
Heaviest call OI
45.00
366 contracts
Heaviest put OI
35.00
138 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.79 | 0.76 | -4.2% |
| Mar 2026 | 0.79 | 0.68 | -13.9% |
| Dec 2025 | 0.88 | 0.74 | -16.2% |
| Sep 2025 | 0.76 | 0.78 | +2.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.80 | 3 | $2.49B | +7.4% |
| Next quarter | 0.81 | 3 | $2.54B | +7.4% |
| Current year | 2.94 | 3 | $9.93B | +10.9% |
| Next year | 3.30 | 3 | $10.37B | +4.4% |
Analyst targets & ownership
Mean target$43.50
High target$48.00
Low target$39.00
Implied upside14.44%
Analyst count2
ConsensusNONE
Strong buy / Buy0 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders7.73%
Held by institutions78.61%
Institutions holding828
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
37.87
+0.38% from price
SMA 20
39.15
-2.92% from price
SMA 50
41.19
-7.73% from price
SMA 100
40.55
-6.25% from price
SMA 200
40.95
-7.18% from price
EMA 12
38.33
-0.84% from price
EMA 26
39.36
-3.42% from price
EMA 50
40.19
-5.42% from price
RSI (14)
34.5
Neutral
MACD (12,26,9)
-1.02
Hist -0.03
ATR (14)
0.69
1.81% of price
Realised vol 30D
15.9%
Annualised
Bollinger upper
41.99
20, 2σ
Bollinger lower
36.32
20, 2σ
50 / 200 cross
Golden
41.19 vs 40.95
Trend bias
Below 200
-7.18%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.16
Less volatile than market
Correlation to SPY
-0.09
Largely independent
Realised vol 30D
15.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-21.4%
Peak to trough
Max drawdown 5Y
-24.1%
Peak to trough
ATR 14
0.69
1.81% of price
Beta (reported)
0.59
5Y monthly, from filing
Short interest
Shares short
10.51M
Prior 9.19M
Change vs prior
+14.3%
Shorts adding
% of float
5.89%
Normal
% of shares out
4.35%
Against total outstanding
Days to cover
9.6
Crowded exit
Float
221.13M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 24, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 24, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jan 22, 26 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Dec 8, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 24, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 6, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Sep 22, 25 | Raymond James | UPGRADE | Outperform | Strong Buy |
| Sep 2, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 25, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 1, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 21, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 4, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$1.26 / yr
Forward yield3.31%
5-year avg yield3.24%
Payout ratio26.59%
Ex-dividend dateSep 4, 2026
Next pay dateSep 15, 2026
Last split5:4
Split dateJan 3, 2006
SEC filings
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-23
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-07-16
Annual report of employee stock purchase
11-K · 2026-07-13
Corporate Changes & Voting Matters
8-K · 2026-07-01
Notice under Rule 12b25 of inability to timely file all or part of a form 11-K
NT 11-K · 2026-06-29
Corporate Changes & Voting Matters
8-K · 2026-05-27
Corporate Changes & Voting Matters
8-K · 2026-05-18
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.