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Old Republic International ORI Commercial Automobile — Year 3

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UFCSCommercial automobile — Year 3
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KMPRCommercial Automobile Insurance—Physical Damage — Year 3
100%0.0pp
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UFCSCommercial other liability — Year 3
14.1%-0.7pp
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UFCSCommercial workers' compensation — Year 3
13.8%-0.7pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?
Old Republic International (ORI) reported commercial automobile — year 3 of 16.4% in Q4 2025.
How has Old Republic International's commercial automobile — year 3 changed year-over-year?
Old Republic International's commercial automobile — year 3 increased by 2.5% year-over-year, from 16% to 16.4%.
What does commercial automobile — year 3 mean?
This metric captures the net earned premiums for commercial automobile insurance, which is the revenue recognized after adjusting for reinsurance and the passage of time. It provides insight into the recurring revenue stream generated by insuring commercial fleets and vehicles.

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