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Old Republic International ORI Commercial Automobile — Year 2

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UFCSCommercial automobile — Year 2
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KMPRCommercial Automobile Insurance—Physical Damage — Year 2
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UFCSCommercial other liability — Year 2
14.1%-0.6pp
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UFCSCommercial workers' compensation — Year 2
31.7%+0.3pp

Other financials

Income statement

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Revenue$2.5B+13.4%
Net income$322.3M+57.7%
EPS (diluted)$1.31+61.7%

Balance sheet

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Cash & equivalents$417.7M+135%
Total debt$2.3B+43.7%
Total equity$6.1B-1.8%
Total assets$31.6B+8.0%

Cash flow

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Operating cash flow$281.4M+21.5%

Valuation

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Market cap$10.51B+13.3%
Enterprise value$12.37B+15.8%
P/E9.2×-1.1×
P/S1.1×0.0×

Profitability

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Net margin11.7%+1.4pp

Returns & leverage

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Return on equity18.6%+3.9pp
Debt / equity0.4×+0.1×

Where this comes from

Reported directly by Old Republic International in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The source filing: Old Republic International’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 3:41 PM EST
Fiscal year
FY2025
Accession
0000074260-26-000008
Line itemSupplementary Information (Unaudited) / Year 1Supplementary Information (Unaudited) / Year 2Supplementary Information (Unaudited) / Year 3Supplementary Information (Unaudited) / Year 4Supplementary Information (Unaudited) / Year 5Supplementary Information (Unaudited) / Year 6Supplementary Information (Unaudited) / Year 7Supplementary Information (Unaudited) / Year 8Supplementary Information (Unaudited) / Year 9Supplementary Information (Unaudited) / Year 10
Workers' compensation16.8%24.1%13.6%8.1%5.1%3.9%2.0%1.2%1.5%3.3%
Commercial auto35.0%23.6%16.4%11.7%6.5%2.7%1.5%0.6%0.3%0.3%
General liability4.4%12.1%15.7%15.7%14.2%8.0%6.5%4.9%3.0%2.5%
Financial indemnity20.0%15.1%6.9%10.6%9.6%6.1%3.1%5.5%0.1%7.5%

Item 8 - Financial Statements and Supplementary Data

FAQ

What is Old Republic International's commercial automobile — year 2?
Old Republic International (ORI) reported commercial automobile — year 2 of 23.6% in Q4 2025.
How has Old Republic International's commercial automobile — year 2 changed year-over-year?
Old Republic International's commercial automobile — year 2 increased by 0.9% year-over-year, from 23.4% to 23.6%.
What does commercial automobile — year 2 mean?
This metric tracks the net premiums earned from commercial automobile insurance, representing the portion of premiums corresponding to the expired risk period. It is a key measure of the company's operational footprint in the commercial transportation insurance market.

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