Old Republic International Corporation logo ORI - Old Republic International Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 1
BUY 0
HOLD 4
SELL 0
STRONG
SELL 0
| PRICE TARGET: $41.50 DETAILS
HIGH: $44.00
LOW: $39.00
MEDIAN: $41.50
CONSENSUS: $41.50
DOWNSIDE: 1.12%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

B- 63.1 / 100 composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

Profitability

Weight: 25%
B- 63.0

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio 43.2% 97/100
  • Loss Ratio Trend +874.84 pp/yr 0/100
Contributes 15.7 pts toward composite.

Capital Efficiency

Weight: 15%
A- 85.2
  • 5yr Avg ROE 14.7% 79/100
  • 5yr Share-Count CAGR -3.5% 96/100
Contributes 12.8 pts toward composite.

Growth Quality

Weight: 10%
D 38.9

Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.

  • 5yr Premium CAGR 4.2% 54/100
  • Loss Ratio Trend (growth quality check) +874.84 pp/yr 0/100
  • Revenue-Growth Years (5) 3/5 60/100
Contributes 3.9 pts toward composite.

Cash Generation

Weight: 15%
F 7.8

Scored using reserve development and loss-ratio stability — insurer-archetype substitution.

  • Reserve Development -2.0% 13/100
  • Loss Ratio Stability (σ) 85.33 0/100
Contributes 1.2 pts toward composite.

Balance Sheet

Weight: 25%
A+ 96.4

Scored using premiums-to-surplus — insurer-archetype substitution.

  • Premiums / Surplus 1.32x 96/100
  • Interest Coverage (EBIT/Int) 17.64x 96/100
Contributes 24.1 pts toward composite.

Stability

Weight: 10%
C 54.0
  • EPS Volatility (σ/μ) 0.46 35/100
  • Negative-Revenue Years (5) 2/5 60/100
  • Piotroski F-Score 7 78/100
Contributes 5.4 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Accumulating

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
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Loss Ratio, Loss Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (10%) — 5yr Premium CAGR, Loss Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Reserve Development, Loss Ratio Stability (σ)
  • Balance Sheet (25%) — Premiums / Surplus, Interest Coverage (EBIT/Int)
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.