Top line decelerating.
+10.4% YoY versus +13.4% prior. 3y CAGR +4.0%.
+10.4%We use cookies
MainRatios uses cookies for essential site functions. With your consent, we also use analytics cookies including session replay sampling (PostHog, Google Analytics) and advertising cookies (Google AdSense). You can reject non-essential cookies, including the "sale" or sharing of personal information under CCPA, and you may withdraw consent at any time (GDPR). See our Privacy Policy for details.
Financial Services · Market Cap: $9.4B
Fundamentals as of 2026-03-31
The Question
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
1 of 2 legendary models say BUY ORI — but Warren Buffett disagrees.
What would legendary investors pay for ORI?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
Mixed — Old Republic International Corporation has 17.3% ROE but D/E 4.00.
Financial story
Mixed — Old Republic International Corporation's 17.3% ROE is strong, but its 4.00 debt-to-equity is elevated.
Bottom line: ORI is rated BUY by 1 of 2 legendary models, with 1 holding and 0 flagging it overvalued, but earns a C sector grade (48/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
1 of 2 legendary investor models rate ORI a BUY. Fair value estimates and full investor breakdown are in the valuation tab.
Average fair value across qualifying models: $54. See the per-investor fair-value table in the valuation tab.
ORI trades at 9.7x earnings. Sector context and per-investor signals are in the valuation tab.
ORI and WTFC differ on P/E, ROE, and revenue growth. See the full ORI vs WTFC compare matrix.
Buffett and Lynch evaluate ORI against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
ORI's P/E ratio is 9.7x. 5-year P/E history is in the financials tab.
+10.4% YoY versus +13.4% prior. 3y CAGR +4.0%.
+10.4%Net margin 10.3% versus 10.4% prior (−0.1pp). Operating 13.0%.
10.3%P/E 9.4x — 15% below the 5y median of 11.1x. Forward 12.2x signals EPS contraction next year.
9.4xSee exactly where ORI ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingORI sits at #91 in Financial Services with a C grade (48/100).
How does ORI compare?