Old Republic (ORI) to Announce Q4 Earnings on January 22 with EPS Estimate of $0.88
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy ORI?
Source: seekingalpha
- Earnings Announcement Schedule: Old Republic is set to release its Q4 2023 earnings report on January 22 before market open, with a consensus EPS estimate of $0.88, reflecting a 2.2% year-over-year decline, indicating potential pressure on profitability.
- Revenue Growth Expectations: The anticipated revenue for Q4 is $2.31 billion, representing a 7.1% year-over-year increase, showcasing the company's resilience in revenue growth despite overall market challenges.
- Historical Performance Review: Over the past two years, Old Republic has exceeded EPS estimates 88% of the time, indicating strong capability in managing expectations and achieving profitability, which may positively influence investor confidence.
- Estimate Revision Dynamics: In the last three months, EPS estimates saw one upward revision and two downward adjustments, while revenue estimates experienced two upward revisions with no downward changes, reflecting mixed market sentiment regarding the company's future performance.
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Analyst Views on ORI
Wall Street analysts forecast ORI stock price to rise
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 42.630
Low
47.00
Averages
49.00
High
51.00
Current: 42.630
Low
47.00
Averages
49.00
High
51.00
About ORI
Old Republic International Corporation is a specialty insurer that operates diverse property and casualty and title insurance companies. It is a holding company engaged in the single business of insurance underwriting and related services. Its Specialty Insurance segment is characterized as a commercial line’s insurance business with a focus on lines of coverages provided to businesses, state and local governments, and other institutions. The segment has major insurance coverages, including accident and health, aviation, commercial auto, commercial multi-peril (CMP), commercial property, financial indemnity, and home and auto warranty, among others. The Title Insurance segment consists primarily of the issuance of policies to real estate purchasers and investors based upon searches of the public records that contain information concerning interests in real property. The two basic types of title insurance policies issued by the Company are lenders' policies and owners' policies.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Sprott and WisdomTree Rise: Canadian asset manager Sprott (SII) and WisdomTree (WT) both advanced 15%, indicating sustained investor interest in the financial services sector despite increased market volatility.
- Old Republic International Decline: Old Republic International (ORI) fell 12% after reporting worse-than-expected Q4 2025 earnings, highlighting weak specialty insurance underwriting results that may impact its future market performance.
See More
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- Decline in Net Operating Income: The company's net operating income dropped to approximately $185 million ($0.74 per share), down from $227 million in Q4 2024, indicating a significant weakening in profitability.
- Deteriorating Combined Ratio: Old Republic's combined ratio increased to 96% from 92.7% a year ago, suggesting a decline in underwriting profitability, which prompted negative reactions from investors.
- Poor Segment Performance: Despite an increase in title insurance revenue to over $47 million, the underwriting losses in specialty insurance and other segments deepened, putting pressure on overall profitability and leading investors to adopt a cautious outlook on future performance.
See More
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- Insurance Segment Growth: The Specialty Insurance segment saw net premiums earned increase by 8.3% in Q4, surpassing $5 billion for the first time in the year, with quarterly operating income of $178 million and a combined ratio of 93.2%, showcasing strong performance in the insurance market.
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- Contained Inflation Pressures: The Personal Consumption Expenditures price index rose 2.8% year-over-year, with core PCE steady, suggesting that inflation remains manageable, which enhances market confidence in the Federal Reserve's policies and may help maintain a low interest rate environment.
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See More
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- Earnings Forecast Adjustment: In its Q4 earnings release, Old Republic reported a ~3 percentage point increase in the 2025 commercial auto initial accident-year loss ratio due to rising loss trends in the liability portion of long-haul trucking case reserves, leading to a 12 percentage point increase in the Q4 loss ratio, indicating potential financial strain.
- Price Target Cut: Piper trimmed its price target for ORI from $51 to $38, reflecting diminished optimism about its specialty underwriting segment and suggesting that the company may face operational challenges in a softening market.
- Market Reaction: Old Republic's stock slid 11% in Thursday midday trading, diverging from the average Wall Street Buy rating, highlighting investor concerns regarding the company's future profitability.
See More
