This insurance company's stock has been public for over 35 years, yet it's often overlooked by investors.Although it may have "old" in its name, dividend payouts from Old Republic International (ORI 0.01%) consistently reach new highs. Over the past four fiscal quarters, the insurance company has paid out $1.16 per share in dividends for investors, a 9.4% increase from the previous four-quarter period. And just recently, the insurer declared a special dividend of $2.50 per share set to pay out on Jan. 14, 2 ...

Group 1 - Universal Insurance Holdings Inc reported a significant increase in net income, reaching $50 million, which represents a 25% year-over-year growth [1] - Tecnoglass Inc experienced a revenue growth of 15%, totaling $200 million for the last quarter, driven by increased demand in the construction sector [1] - Old Republic International Corp announced a dividend increase of 10%, reflecting strong financial performance and commitment to returning value to shareholders [1] Group 2 - The insurance industry is showing resilience with a projected growth rate of 5% annually, supported by favorable market conditions and regulatory changes [1] - The construction industry is expected to continue its upward trend, with a forecasted growth of 7% over the next two years, bolstered by infrastructure investments [1] - Overall market sentiment remains positive, with analysts predicting a stable economic environment that will benefit both the insurance and construction sectors [1]

Old Republic International Corporation (NYSE:ORI) is included among the 11 Best Low Priced Dividend Stocks to Buy According to Analysts. Piper Sandler Sees Earnings Upside for Old Republic (ORI) as Housing Outlook Improves Image by Alexsander-777 from Pixabay On December 8, Piper Sandler analyst Paul Newsome increased the firm’s price target on Old Republic International Corporation (NYSE:ORI) to $51 from $46 with an Overweight rating on the shares. The firm noted that ORI is a reasonably priced propert ...

Old Republic International Corporation (NYSE:ORI) is included among the 15 High Quality Dividend Stocks for Long-Term Investors. Consistent Dividend Strategy Underscores Old Republic’s Resilience in 2025 Image by Steve Buissinne from Pixabay On November 25, Old Republic International Corporation (NYSE:ORI) announced that it would pay a quarterly dividend of $0.29 per share, matching its previous payout.‍ T⁠he d‌ividend is scheduled for December 15, 2025, fo⁠r‌  shareholders on​ record as of December 5. ...

Financial Performance - Total assets increased to $30,252.0 million as of September 30, 2025, up from $27,843.1 million at December 31, 2024, representing an increase of 5.1%[7] - Net premiums earned for the quarter ended September 30, 2025, were $2,018.6 million, a 8.9% increase from $1,854.2 million in the same quarter of 2024[8] - Total operating revenues for the nine months ended September 30, 2025, reached $6,594.5 million, compared to $6,005.1 million for the same period in 2024, reflecting an increase of 9.8%[8] - Net income attributable to shareholders for the quarter was $279.5 million, down from $338.9 million in the prior year, a decrease of 17.5%[8] - Total comprehensive income for the quarter ended September 30, 2025, was $339.8 million, compared to $641.8 million in the same quarter of 2024, indicating a decline of 47.0%[10] - Total net income for the nine months ended September 30, 2025, was $734.7 million, compared to $747.6 million for the same period in 2024, reflecting a decrease of 1.2%[13] Liabilities and Equity - The company's total liabilities increased to $23,812.7 million as of September 30, 2025, compared to $22,224.1 million at December 31, 2024, marking a rise of 7.1%[7] - Shareholders' equity rose to $6,439.2 million as of September 30, 2025, up from $5,618.9 million at December 31, 2024, an increase of 14.6%[7] - Retained earnings increased to $6,037.9 million at the end of the period in 2025, compared to $6,135.4 million in 2024, indicating a decrease of 1.6%[12] Investment Income - The company reported net investment income of $182.6 million for the quarter ended September 30, 2025, compared to $171.0 million in the same quarter of 2024, an increase of 6.5%[8] - Net investment income for the quarter ended September 30, 2025, was $182.6 million, up from $171.0 million in the same quarter of 2024, representing a growth of 9.4%[50] - For the first nine months of 2025, net investment income reached $524.9 million, compared to $502.7 million in 2024, indicating a year-over-year increase of 4.4%[50] Premiums and Underwriting - Net premiums written for Q3 2025 reached $2,182.9 million, a 7.96% increase from $2,021.9 million in Q3 2024[76] - Specialty Insurance segment accounted for 42.5% of net premiums earned in Q3 2025 from commercial auto coverage[69] - The combined ratio is used to assess underwriting profitability, with management focusing on this metric for performance evaluation[73] - The combined ratio for Q3 2025 was 95.3%, slightly worse than the 95.0% reported in Q3 2024[76][78] Expenses - Loss and loss adjustment expenses for the nine months ended September 30, 2025, totaled $2,451.0 million, an increase of 9.6% from $2,235.6 million in the prior year[8] - Total underwriting, acquisition, and other expenses for Q3 2025 were $1,197.0 million, up from $1,077.4 million in Q3 2024, marking an increase of 11.1%[76][78] - The expense ratio for Title Insurance was 93.7% for the quarter, reflecting higher agent commissions due to increased agency business[114] Shareholder Returns - The company repurchased 1.1 million shares for $43.7 million in Q3 2025, with an average price of $36.96 per share, leaving $162.4 million remaining under the 2024 authorization[64] - Total capital returned to shareholders amounted to $115 million[100] - Cash dividends declared on common stock increased by 9.4% to $0.290 per share[103] Market and Strategic Insights - The company highlighted the impact of market competition, economic conditions, and external events on its insurance segments, emphasizing the need for strategic adjustments[6] - The company does not derive over 10% of its consolidated revenues from any one customer, indicating a diversified revenue base[68] - The company plans to report the acquisition of Everett Cash Mutual Insurance Co. within the Specialty Insurance segment, pending regulatory approval[69] Risk Management and Investment Strategy - The company does not engage in high-risk investments, maintaining a conservative investment strategy focused on quality[120] - The investment portfolio primarily consists of investment grade, marketable securities, with no fixed income securities in default as of September 30, 2025[170] - The company's fixed income portfolio is designed to match expected liabilities for claim payments to policyholders[119]

Core Viewpoint - Old Republic International (ORI) has been upgraded to a Zacks Rank 2 (Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system tracks the Zacks Consensus Estimate, which reflects EPS estimates from sell-side analysts, and changes in earnings estimates are strongly correlated with near-term stock price movements [2][4]. - Institutional investors often base their valuation models on earnings estimates, leading to buying or selling actions that affect stock prices [4]. Business Outlook and Investor Sentiment - The upgrade in rating for Old Republic indicates a positive outlook for its earnings, suggesting that investors may respond by increasing the stock price [3][5]. - Rising earnings estimates imply an improvement in the company's underlying business, which should encourage investor confidence and support higher stock prices [5]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with a strong historical performance, particularly for Zacks Rank 1 stocks, which have generated an average annual return of +25% since 1988 [7]. - Old Republic's upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, indicating a strong potential for market-beating returns in the near term [10]. Earnings Estimate Revisions - For the fiscal year ending December 2025, Old Republic is expected to earn $3.25 per share, with no year-over-year change, but the Zacks Consensus Estimate has increased by 1.6% over the past three months [8].

Financial Performance - Net income for Q3 2025 was $279.5 million, down from $338.9 million in Q3 2024[2] - Net income excluding investment gains for Q3 2025 was $196.7 million, a 7.7% increase from $182.7 million in Q3 2024[2] - Consolidated net premiums and fees earned reached $2.1 billion, reflecting an 8.1% increase year-over-year[4] - Net investment income increased to $182.6 million, up 6.7% from $171.0 million in the previous year[7] - Total operating revenues for the nine months ended September 30, 2025, were $6.594 billion, a 9.8% increase from $6.005 billion in 2024[7] - Consolidated net income excluding investment gains was $197.3 million for the quarter, reflecting an 8.0% increase year-over-year, and $613.4 million for the nine months, a 7.6% increase[9] - Consolidated pretax operating income was $248.2 million for the quarter, an 8.3% increase from the previous year[9] Insurance Segment Performance - Specialty Insurance net premiums earned increased by 8.1% for the quarter and 11.8% for the first nine months, driven by premium rate increases and high renewal retention ratios[12] - The combined ratio for Specialty Insurance improved to 94.8% for the quarter, compared to 94.0% in the prior year, indicating effective underwriting performance[12] - Operating revenues for Specialty Insurance reached $1,522.1 million for the quarter, an increase of 8.6% year-over-year[12] - The loss ratio for Specialty Insurance was 63.5% for the quarter, showing improvement from 65.2% in the prior year, primarily due to favorable prior year loss reserve development[12][15] - Title Insurance net premiums and fees earned increased by 8.3% for the quarter and 8.0% for the first nine months, with agency produced premiums growing nearly 11%[17] - The loss ratio for the current year remained stable at 3.5%, while the total combined ratio was 96.4% for the quarter, slightly down from 96.7%[19][20] Investment and Capital Management - Book value per share rose to $26.19, an 18.5% increase since year-end 2024[4] - Total capital returned to shareholders amounted to $115 million[4] - Cash dividends declared on common stock increased by 9.4% to $0.290 per share[7] - Net investment income rose by 10.5% to $154.6 million for the quarter, attributed to higher investment yields and a larger asset base[12][13] - Other income increased by 15.7% to $50.6 million, mainly driven by growth in claim TPA operations[12][14] - Corporate & Other segment reported a net investment income decrease of 32.3% to $10.3 million for the quarter, attributed to a lower invested asset base[21][22] - Total assets increased to $30.25 billion as of September 30, 2025, up from $27.84 billion at the end of 2024[23] - The investment portfolio allocation was approximately 84% in fixed income securities and short-term investments, with 16% in equity securities[24] - Shareholders' equity per share increased to $26.19, reflecting a 4.2% change for the quarter and 14.7% for the nine months[27] - Total capital returned to shareholders during the quarter was $115 million, consisting of $71 million in dividends and $44 million in share repurchases[27] Risk Factors and Strategic Focus - The company targets combined ratios between 90% and 95% over a full underwriting cycle, indicating a focus on maintaining profitability[16] - The company does not engage in high-risk investments and performs regular stress tests on its investment portfolio to ensure financial stability[25] - Old Republic's Specialty Insurance segment results are influenced by market competition, economic conditions, claim frequency, and severity patterns[32] - The Title Insurance segment is affected by national and regional housing demand, mortgage loan availability, and employment trends[32] - Life and accident insurance earnings are impacted by employment levels, consumer spending, and changes in mortality and health trends[32] - Operating earnings at the parent holding company level reflect outstanding debt, interest income, and investment levels[32] - Results may be significantly affected by technology and security breaches, including cybersecurity incidents[32] - A detailed discussion of risks affecting the insurance business is available in the 2024 Form 10-K[33] - Old Republic does not commit to publicly updating forward-looking statements[34]

Core Insights - The article discusses the importance of enabling Javascript and cookies in browsers to ensure proper functionality and access to content [1] Group 1 - The article highlights that users may face access issues if they have an ad-blocker enabled, suggesting the need to disable it for uninterrupted service [1]

Core Insights - Old Republic International's shares have increased approximately 13% over the past year, indicating solid performance [1] - Despite the positive annual performance, shares dropped over 3% in early trading following the Q3 earnings release, suggesting investor concerns [1] - The Q3 earnings report showed solid results, but these results may not be sufficient to sustain investor confidence [1] Financial Performance - The company reported solid results in its Q3 earnings, although specific figures were not detailed in the provided text [1] - The decline in share price post-earnings release indicates a potential disconnect between reported earnings and market expectations [1] Market Reaction - The early trading reaction to the earnings report reflects investor sentiment and market dynamics, highlighting the importance of earnings expectations [1] - The drop in share price suggests that investors may have anticipated stronger results or guidance than what was provided [1]

Core Insights - Old Republic International's shares have increased approximately 13% over the past year, indicating solid performance [1] - Despite the positive annual performance, shares dropped over 3% in early trading following the Q3 earnings release, suggesting investor concerns [1] - The company's Q3 results were solid, but they may not be sufficient to sustain investor confidence in the short term [1]