Old Republic International

ORI · NYSE

$39.68+$0.41 (+1.04%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $39.27

ORI analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 4 analysts

Average $33.74 (−15.0% downside)

Low: $12.35
Now: $39.68
High: $50.40

Upgrades and downgrades

The latest rating actions, newest first

ORI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Jul 24, 2026	Maintains	Neutral	$40.00 → $39.00	73%
Piper Sandler	Apr 24, 2026	Maintains	Neutral	$38.00 → $40.00	73%
Piper Sandler	Jan 22, 2026	Downgrade	Overweight → Neutral	$51.00 → $38.00	73%
Piper Sandler	Dec 8, 2025	Maintains	Overweight	$46.00 → $51.00	73%
Piper Sandler	Oct 24, 2025	Maintains	Overweight	$47.00 → $46.00	73%

The case for and against

Updated Jan 12, 2026

Bull case

Old Republic International Corp demonstrated a solid financial performance, reporting total revenue growth of 18.0% to $2,208.5 million, significantly surpassing the estimate of 16.5% and reflecting a substantial increase from $1,871.7 million in the previous year. Additionally, the company achieved an increase in net investment income of 2.4% to $171.5 million, which, while slightly below the estimate of 2.9%, still indicates steady income generation from its investment activities. Furthermore, the company noted a competitive advantage in its property rates not being adversely affected by large account and catastrophic risks, positioning it favorably within the insurance market.

Bear case

Old Republic International Corp is experiencing significant challenges in its Title Insurance segment due to a decelerating housing market and higher interest rates, both of which are leading to decreased revenue and worsening operating leverage from its direct business channel. The company's projected earnings per share for 2025 have been revised downwards, reflecting a slight decline in net investment income and underperformance in specialty insurance earnings, which fell short of expectations. Overall, these factors indicate a troubling financial outlook for Old Republic International, with key metrics suggesting ongoing difficulties in securing profitability in a challenging economic environment.

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