Peek Under The Hood: XMLV Has 10% Upside
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 03 2025
0mins
Should l Buy ORI?
Source: NASDAQ.COM
ETF Analyst Target Price: The Invesco S&P MidCap Low Volatility ETF (XMLV) has an implied analyst target price of $68.30, indicating a potential upside of 9.57% from its recent trading price of $62.34.
Stock Performance Insights: Notable underlying holdings such as Old Republic International Corp., Ensign Group Inc., and Encompass Health Corp. show significant upside potential based on analysts' target prices, raising questions about the validity of these targets amidst market developments.
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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: 39.200
Low
47.00
Averages
49.00
High
51.00
Current: 39.200
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.
- Leadership Transition: Old Republic International Corporation has announced that Meyer Lehman will become President and CEO of BITCO Insurance Companies effective April 1, 2026, while Vince Lamb will transition to Executive Chairman, reflecting the company's commitment to future leadership.
- Succession Planning: Craig Smiddy emphasized that Meyer is a proven leader whose experience and people-first management style closely align with Old Republic's culture, ensuring BITCO's continued growth and stability.
- Knowledge Continuity: This transition not only preserves Vince's deep institutional knowledge and leadership capabilities but also lays a solid foundation for BITCO's future, enhancing team trust and cohesion.
- Company Overview: Founded in 1923, Old Republic is a leading specialty insurer focused on property and casualty as well as title insurance, dedicated to providing tailored solutions for business partners across the United States and Canada.
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- Leadership Transition: Old Republic International Corporation has announced a leadership transition at BITCO Insurance Companies, with Meyer Lehman set to become President and CEO on April 1, 2026, while current CEO Vince Lamb will take on the role of Executive Chairman, ensuring continuity in leadership.
- Succession Planning: Craig Smiddy, President and CEO of Old Republic International, emphasized that Meyer is a proven leader whose experience and people-first approach align closely with the company's culture and operational philosophy, reflecting thoughtful succession planning.
- Trust and Collaboration: Meyer has earned the trust of BITCO's colleagues, agents, and business partners, and this transition not only aids BITCO's future development but also continues to leverage Vince's deep institutional knowledge and leadership to maintain the company's competitive edge.
- Company Background: Founded in 1923, Old Republic International is a leading specialty insurer focused on property & casualty and title insurance, and as a Fortune 500 member, it provides tailored solutions to business partners across the U.S. and Canada, showcasing its strong market position.
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- Dividend Increase: Old Republic has declared a quarterly dividend of $0.315 per share, marking an 8.6% increase from the previous $0.290, which reflects the company's robust performance in profitability and cash flow management, thereby enhancing investor confidence.
- Stable Yield: The forward yield of 2.95% not only provides shareholders with a consistent return but may also attract more income-seeking investors, potentially increasing the stock's market appeal.
- Payment Schedule: The dividend is payable on March 19, with a record date of March 9 and an ex-dividend date also on March 9, ensuring that shareholders receive their earnings promptly, which underscores the company's commitment to shareholder interests.
- Market Response: Despite facing issues with commercial auto losses, Old Republic signals continued specialty growth and pricing discipline into 2026, indicating that the company maintains strategic resilience amidst challenges, which could positively impact future performance.
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- Quarterly Cash Dividend: Old Republic International's Board of Directors has declared a cash dividend of 31.5 cents per share, payable on March 19, 2026, to shareholders of record as of March 9, 2026, demonstrating the company's ongoing commitment to shareholder returns.
- Annual Dividend Growth: The total cash dividend for 2026 is projected to be $1.26 per share, an 8.6% increase from the $1.16 paid in 2025, reflecting the company's robust profitability and confidence in future growth.
- Consecutive Growth Record: 2026 marks the 45th consecutive year that Old Republic has increased its regular cash dividend and the 85th year of uninterrupted dividend payments, highlighting the company's long-term commitment to shareholder returns and stability.
- Industry Leadership: Founded in 1923 and a member of the Fortune 500, Old Republic is a leading specialty insurer in property & casualty and title insurance, with its specialized operating companies providing tailored solutions that enhance its competitive edge in the U.S. and Canadian markets.
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- Lemonade Stock Surge: Lemonade (LMND) saw a 16% increase in stock price during the five trading sessions ending January 23, 2026, becoming the best-performing financial stock over $2B market cap, driven by the launch of its self-driving car insurance for Tesla FSD.
- XP Investment Bank Gains: Brazilian investment bank XP (XP) also rose 16% in the same period, reflecting market confidence in its business model amidst fluctuating economic data and corporate earnings.
- 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.
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- Lackluster Revenue Growth: Old Republic International reported fourth-quarter revenue of $2.39 billion, a 19% year-over-year increase, yet it fell short of analysts' expectations of $2.31 billion, raising concerns about its growth potential.
- 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.
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