Earnings summaries and quarterly performance for OLD REPUBLIC INTERNATIONAL.
Executive leadership at OLD REPUBLIC INTERNATIONAL.
Craig R. Smiddy
Detailed
President and Chief Executive Officer
CEO
CM
Carolyn Monroe
Detailed
Senior Vice President — Title
FJ
Frank J. Sodaro
Detailed
Senior Vice President and Chief Financial Officer
SJ
Stephen J. Oberst
Detailed
Executive Vice President
WT
W. Todd Gray
Detailed
Executive Vice President and Treasurer
Board of directors at OLD REPUBLIC INTERNATIONAL.
BA
Barbara A. Adachi
Detailed
Director
CJ
Charles J. Kovaleski
Detailed
Director
FT
Fredricka Taubitz
Detailed
Director
GW
Glenn W. Reed
Detailed
Director
JE
J. Eric Smith
Detailed
Director
LJ
Lisa J. Caldwell
Detailed
Director
MD
Michael D. Kennedy
Detailed
Director
PB
Peter B. McNitt
Detailed
Director
SL
Spencer LeRoy III
Detailed
Chairman of the Board
SJ
Steven J. Bateman
Detailed
Director
SR
Steven R. Walker
Detailed
Lead Independent Director
TM
Therace M. Risch
Detailed
Director
Research analysts who have asked questions during OLD REPUBLIC INTERNATIONAL earnings calls.
PN
Paul Newsome
Piper Sandler Companies
4 questions for ORI
Also covers: AFG, AHL, AII +16 more
CG
C. Gregory Peters
Raymond James
3 questions for ORI
Also covers: ACIC, AFG, AJG +19 more
CP
Charles Peters
Raymond James
2 questions for ORI
Also covers: ACIC, AFG, AJG +11 more
GP
Gregory Peters
Raymond James Financial, Inc.
2 questions for ORI
Also covers: AFG, AII, AJG +3 more
JP
Jon Paul Newsome
Piper Sandler & Co.
2 questions for ORI
Also covers: AFG, AIG, AON +15 more
Evan Tindell
Bireme Capital
1 question for ORI
Also covers: ITRN
Karol Chmiel
Citizens JMP
1 question for ORI
Also covers: HRTG
Matthew Carletti
Citizens JMP Securities
1 question for ORI
Also covers: AII, AMSF, BOW +11 more
Recent press releases and 8-K filings for ORI.
Old Republic International Reports Q4 and Full-Year 2025 Earnings
ORI
Earnings
Dividends
Share Buyback
- Old Republic International reported $236 million in consolidated pre-tax operating income for Q4 2025 and $1 billion for the full year 2025, with consolidated combined ratios of 96% and 94.7%, respectively.
- Specialty Insurance achieved $178 million in pre-tax operating income in Q4 2025 and a record $900 million for the full year, with net premiums earned growing 8.3% in Q4 and 10.9% for the full year, surpassing $5 billion.
- Title Insurance saw premium and fees increase by 12.4% in Q4 2025, reaching $65 million in pre-tax operating income for the quarter and $140 million for the full year.
- The company returned over $1 billion in capital in 2025 through dividends and share repurchases, with $850 million remaining in the current repurchase program. Management anticipates a consistent year for the specialty insurance combined ratio in 2026, around the 93.2% level, and expects solid growth and profitability to continue.
- Commercial auto rate increases accelerated to 16% in Q4 2025 due to higher loss trends, leading to a 3 percentage point increase in the current accident year loss ratio, primarily driven by increased bodily injury claims and litigation, particularly in long-haul trucking.
Jan 22, 2026, 8:00 PM
Old Republic International Reports Q4 and Full-Year 2025 Results
ORI
Earnings
Dividends
Share Buyback
- Old Republic International reported Q4 2025 consolidated pre-tax operating income of $236 million and a combined ratio of 96%, while full-year 2025 consolidated pre-tax operating income reached $1 billion with a combined ratio of 94.7%.
- Specialty insurance grew net premiums earned by 10.9% for the full year 2025 to over $5 billion, achieving a 93.2% combined ratio. Title insurance saw full-year premium and fees grow by 9.1%, with Q4 2025 pre-tax operating income of $65 million and a 94% combined ratio.
- The company returned over $1 billion in capital in 2025, including nearly $700 million in dividends and $56 million in share repurchases in Q4 2025, with $850 million remaining in the repurchase program. Book value per share, including dividends, increased 22% for the full year to $24.21.
- For 2026, management anticipates a consistent combined ratio around 93.2% for specialty insurance and projects commercial title business to improve by 15%-20%, with residential title seeing a 3%-7% increase.
Jan 22, 2026, 8:00 PM
Old Republic International Reports Strong Q4 and Full Year 2025 Financial Results
ORI
Earnings
Dividends
Share Buyback
- Old Republic International reported consolidated pre-tax operating income of $236 million and a combined ratio of 96% for Q4 2025. For the full year 2025, consolidated pre-tax operating income reached $1 billion with a 94.7% combined ratio, and the company achieved a 14.1% operating return on beginning equity and 22% growth in book value per share including dividends.
- The Specialty Insurance segment saw net premiums earned grow 10.9% to over $5 billion for the full year 2025, producing $900 million in pre-tax operating income and a 93.2% combined ratio. In Q4 2025, commercial auto rate increases accelerated to 16% due to observed higher loss trends.
- The Title Insurance segment grew premium and fees by 12.4% in Q4 2025 and 9.1% for the full year, with Q4 pre-tax operating income of $65 million and a 94% combined ratio. Commercial premiums made up 29% of earned premiums in Q4 2025, reflecting strong activity in the commercial sector.
- Old Republic returned over $1 billion in capital in 2025 through dividends and share repurchases, with approximately $850 million remaining in the current repurchase program. Management expects to recommend a regular dividend increase and utilize the repurchase program opportunistically in 2026.
- For 2026, the company anticipates a consistent specialty insurance combined ratio around 93.2% and projects 15%-20% improvement in commercial title business with a single-digit increase in residential title.
Jan 22, 2026, 8:00 PM
Old Republic Reports Q4 2025 Results and Announces Acquisition
ORI
Earnings
Dividends
M&A
- Old Republic reported Q4 2025 Operating EPS of $0.74, a 17.8% decrease from the prior year, while Net Premiums & Fees Earned increased 9.8% to $2.13 billion.
- The company's Book Value Per Share reached $24.21 at year-end 2025, representing a 22.0% increase from year-end 2024 when adding back dividends. The Combined Ratio for Q4 2025 was 96.0, up 3.3 points from the previous year.
- Old Republic declared a regular quarterly dividend of $0.29, an increase of 9.4% from the prior year, marking 44 consecutive years of annual dividend increases. The company also repurchased $56 million in shares during Q4 2025, with $856 million remaining authorized.
- In October 2025, Old Republic announced the acquisition of Everett Cash Mutual (ECM), which is expected to be accretive to book value per share and operating EPS.
Jan 22, 2026, 8:00 PM
Old Republic International Corporation Announces Fourth Quarter and Full Year 2025 Results
ORI
Earnings
Dividends
Share Buyback
- Old Republic International Corporation reported net income of $206.3 million for Q4 2025, significantly up from $105.1 million in Q4 2024, while net operating income per diluted share was $0.74, a decrease from $0.90 in Q4 2024.
- Consolidated net premiums and fees earned increased 9.8% to $2.1 billion in Q4 2025.
- The consolidated combined ratio was 96.0% for Q4 2025, compared to 92.7% in Q4 2024.
- Book value per share increased to $24.21 as of December 31, 2025, up 6.0% from year-end 2024.
- For the full year 2025, $1,022 million in capital was returned to shareholders, including $897 million in dividends and $125 million in share repurchases.
Jan 22, 2026, 1:14 PM
Old Republic International Reports Fourth Quarter and Full Year 2025 Results
ORI
Earnings
Dividends
Share Buyback
- Old Republic International Corporation reported net income of $206.3 million and net operating income of $184.7 million for the fourth quarter of 2025.
- For the full year 2025, net income attributable to shareholders was $935.4 million, and net operating income was $792.5 million.
- Consolidated net premiums and fees earned increased 9.8% to $2.1 billion in Q4 2025 and 10.1% to $8,052.9 million for the full year 2025.
- The consolidated combined ratio was 96.0% for Q4 2025 and 94.7% for the full year 2025.
- Book value per share reached $24.21 as of December 31, 2025, up 22.0% since year-end 2024, and $1,022 million in capital was returned to shareholders for the full year 2025.
Jan 22, 2026, 12:00 PM
Old Republic International Corporation Declares Special Cash Dividend
ORI
Dividends
Share Buyback
New Projects/Investments
- Old Republic International Corporation (ORI) declared a special cash dividend of $2.50 per share, payable on January 14, 2026, to shareholders of record on January 2, 2026. This dividend will return approximately $620 million to shareholders.
- The company's Board of Directors cited strong performance and excess capital as reasons for the special dividend, which complements its ongoing share repurchase program and demonstrates a commitment to optimizing capital allocation.
- Old Republic also reported $47 million in share repurchases during the fourth quarter, with $864 million remaining authorized for future repurchases.
Dec 12, 2025, 12:01 PM
Old Republic International Declares Special Dividend
ORI
Dividends
Share Buyback
M&A
- Old Republic International Corporation (NYSE: ORI) announced a special cash dividend of $2.50 per share, payable on January 14, 2026, to shareholders of record on January 2, 2026.
- This special dividend will return approximately $620 million to shareholders and complements the company's ongoing share repurchase program.
- In the fourth quarter, $47 million of shares were repurchased, with $864 million remaining authorized for future repurchases.
- Over the past five years, the company has returned over $5.0 billion to shareholders and reduced shares outstanding by over 20%.
- The company is also focused on strategic niche acquisitions, including the pending purchase of ECM.
Dec 12, 2025, 12:00 PM
Old Republic International Corporation Reports Q3 2025 Results
ORI
Earnings
Dividends
Share Buyback
- Old Republic International Corporation reported net operating income of $196.7 million and net operating income per diluted share of $0.78 for the third quarter of 2025, representing increases of 7.7% and 9.9% respectively, compared to the prior year.
- Consolidated net premiums and fees earned increased by 8.1% to $2.1 billion in Q3 2025.
- The company's consolidated combined ratio was 95.3% for the third quarter of 2025.
- Book value per share reached $26.19 as of September 30, 2025, reflecting an 18.5% increase since year-end 2024.
- Old Republic returned $115 million in capital to shareholders during the quarter, comprising $71 million in dividends and $44 million in share repurchases.
Oct 24, 2025, 1:11 PM
Old Republic International Forms New Environmental Insurance Company
ORI
Product Launch
New Projects/Investments
- Old Republic International Corporation (ORI) announced the formation of a new underwriting subsidiary, Old Republic Environmental, Inc., which will offer customized primary and excess liability environmental insurance products.
- George Holderied, who brings 22 years of environmental underwriting experience, has been appointed President of the new company.
- This new entity is the seventh specialty company launched by Old Republic in the last eight years, aimed at further diversifying and strengthening the Old Republic Specialty Insurance Group.
Sep 29, 2025, 5:00 PM
Quarterly earnings call transcripts for OLD REPUBLIC INTERNATIONAL.
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