Old Republic International Corporation (ORI) Stock Analysis & Winston Score

Old Republic International is a large insurance company based in Chicago. It sells three main types of insurance: general liability and commercial coverage for businesses, life and health insurance for individuals and employers, and title insurance for people buying homes or real estate. Title insurance protects homebuyers and lenders if problems with property ownership come up after a sale.

The company makes money by collecting premiums from policyholders and earning investment income on the money it holds before paying out claims. Old Republic operates almost entirely in the United States and has been in business for over 100 years, giving it deep relationships with mortgage lenders, real estate agents, and commercial clients. Its title insurance segment is one of the largest in the country, which is a meaningful competitive advantage. The biggest risk the business faces is a slowdown in the housing market, since fewer home sales directly reduces demand for title insurance policies.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+33.7% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

0.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$202M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Old Republic International Corporation is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

65.0%

Premium pricing power — 65.0% gross margin

Operating Margin

17.2%

Healthy — 17.2% operating margin

ROCE

5.5%

Weak — 5.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+12.5%

Fast-growing sales (12.5% YoY)

EPS YoY

+33.1%

Earnings growing fast (33.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

119%

Turns 119% of profit into real cash

FCF Margin

13.0%

Converts sales into free cash efficiently (13.0%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.27

Conservative — low debt load (0.27)

Interest Cover

18.42x

Comfortably covers interest (18.4x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

9.6x

no trend

Attractive valuation — P/E 9.6

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-3.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

8.86%

no trend

Healthy income — 8.86% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+19.2%

no trend

Dividend growing fast (19.2% YoY)

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