Should I Buy ORI? ORI 2026 Analysis

Should You Buy Old Republic International Corp (ORI) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

39.090

1 Day change

0.10%

52 Week Range

46.760

Analysis Updated At

2026/01/26

Old Republic International Corp (ORI) is not a strong buy at the moment for a beginner investor with a long-term focus. The stock is currently oversold, but the lack of positive trading signals, recent analyst downgrades, and concerns about profitability and underwriting issues suggest caution. It is better to hold off on buying until there is clearer evidence of recovery or positive momentum.

Technical Analysis

The stock is oversold with an RSI of 12.522, indicating potential for a rebound. However, the MACD is negatively expanding (-0.507), suggesting bearish momentum. The stock is trading below key support levels (S1: 38.325, S2: 36.739), with converging moving averages indicating indecision.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Revenue increased 18.90% YoY in Q4 2025, and net income surged 96.29% YoY, reflecting strong financial growth. The company announced over $1 billion in capital return for the year.

Neutral/Negative Catalysts

Q4 operating EPS missed analyst estimates, leading to a 10.7% drop in share price. Analysts downgraded the stock due to concerns about loss cost reserve issues and commercial auto loss cost inflation. Additionally, the MACD and price trends indicate bearish momentum.

Financial Performance

In Q4 2025, revenue increased to $2.535 billion (up 18.90% YoY), net income surged to $206.3 million (up 96.29% YoY), and EPS rose to $0.82 (up 95.24% YoY). While these figures are strong, the market reacted negatively to missed EPS estimates and concerns about future profitability.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Piper Sandler downgraded the stock to Neutral from Overweight, reducing the price target from $51 to $38. Analysts expressed concerns about loss cost reserve issues and challenges in the specialty underwriting segment, particularly in commercial auto.

2 Analyst Rating

Wall Street analysts forecast ORI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ORI is 49 USD with a low forecast of 47 USD and a high forecast of 51 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

0 Hold

0 Sell

Moderate Buy

Current: 39.050

Low

Averages

High

Current: 39.050

Low

Averages

High

Piper Sandler

Paul Newsome

Overweight -> Neutral

downgrade

$51 -> $38

AI Analysis

2026-01-22

Reason

Piper Sandler

Paul Newsome

Price Target

$51 -> $38

AI Analysis

2026-01-22

downgrade

Overweight -> Neutral

Reason

Piper Sandler analyst Paul Newsome downgraded Old Republic to Neutral from Overweight with a price target of $38, down from $51.

Piper Sandler

Overweight -> Neutral

downgrade

$51 -> $38

2026-01-22

Reason

Piper Sandler

Price Target

$51 -> $38

2026-01-22

downgrade

Overweight -> Neutral

Reason

As previously reported, Piper Sandler downgraded Old Republic to Neutral from Overweight with a price target of $38, down from $51, following the company's Q4 earnings report. The firm notes that it tends to recommend investors stay away from companies with loss cost reserve or loss trend issues, adding that it is "less optimistic" on Old Republic's specialty underwriting segment given its struggles in dealing with commercial auto loss cost inflation.

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ORI Should I Buy

ORI Should I Buy

Should You Buy Old Republic International Corp (ORI) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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