Profitability
Weight: 25%
B-
63
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 43.2%
- Loss Ratio Trend +874.84 pp/yr
ORI
Old Republic International Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
85
- 5yr Avg ROE 14.7%
- 5yr Share-Count CAGR -3.5%
Growth Quality
Weight: 10%
D
39
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 4.2%
- Loss Ratio Trend (growth quality check) +874.84 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
4
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -2.4%
- Loss Ratio Stability (σ) 85.33
Balance Sheet
Weight: 25%
A+
96
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.32x
- Interest Coverage (EBIT/Int) 17.64x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.46
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 2 added; 1 full exit.
- Holders
- 3
- Avg Δ position
- +62.6%
- New buys
- 1
- Full exits
- 1