How has Old Republic International's general liability — year 4 changed year-over-year?

Old Republic International's general liability — year 4 increased by 0.6% year-over-year, from 15.6% to 15.7%.

What does general liability — year 4 mean?

This represents the cumulative net incurred losses for general liability claims that occurred four years prior to the current reporting period. At this stage, the majority of claims are typically settled, providing a clearer picture of the ultimate loss cost.

Old Republic International ORI General Liability — Year 4

Similar metrics at other companies

HIGGeneral Liability — 4th Year

16.7%+0.1pp

TRVGeneral Liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

32%-1.4pp

HIGGeneral Liability — 3rd Year

12%+0.2pp

HIGGeneral Liability — 5th Year

14.9%-0.6pp

HIGGeneral Liability — 6th Year

12.8%+0.5pp

HIGProfessional liability — 4th Year

11.9%+0.1pp

Other financials

Income statement

See full

Revenue$2.4B+13.5%

Net income$330.0M+34.7%

EPS (diluted)$1.32+34.7%

Balance sheet

See full

Cash & equivalents$202.1M-23.4%

Total debt$1.6B+0.1%

Total equity$5.9B-0.1%

Total assets$29.6B+5.6%

Cash flow

See full

Operating cash flow$281.4M+21.5%

Valuation

See full

Market cap$9.42B+1.1%

Enterprise value$10.81B+1.6%

P/E9.2×-2.7×

P/S1×-0.1×

Profitability

See full

Net margin10.8%+1.5pp

Returns & leverage

See full

Return on equity17.2%+4.6pp

Debt / equity0.3×0.0×

Where this comes from

Reported directly by Old Republic International in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: Old Republic International’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

Ask your AI about Old Republic International's general liability — year 4.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Old Republic International's general liability — year 4?: Old Republic International (ORI) reported general liability — year 4 of 15.7% in Q4 2025.
How has Old Republic International's general liability — year 4 changed year-over-year?: Old Republic International's general liability — year 4 increased by 0.6% year-over-year, from 15.6% to 15.7%.
What does general liability — year 4 mean?: This represents the cumulative net incurred losses for general liability claims that occurred four years prior to the current reporting period. At this stage, the majority of claims are typically settled, providing a clearer picture of the ultimate loss cost.