How has Old Republic International's general liability — year 5 changed year-over-year?

Old Republic International's general liability — year 5 increased by 3.6% year-over-year, from 13.7% to 14.2%.

What does general liability — year 5 mean?

This represents the cumulative net incurred losses for general liability claims that occurred five years prior to the current reporting period. It is used to evaluate the long-term accuracy of reserve estimates for older, more complex liability claims.

Old Republic International ORI General Liability — Year 5

Similar metrics at other companies

HIGGeneral Liability — 5th Year

14.9%-0.6pp

HIGGeneral Liability — 6th Year

12.8%+0.5pp

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

26.1%+0.2pp

HIGProfessional liability — 5th Year

9.7%+0.1pp

HIGGeneral Liability — 3rd Year

12%+0.2pp

HIGGeneral Liability — 10th Year

3.7%+3.1pp

Other financials

Income statement

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Revenue$2.4B+13.5%

Net income$330.0M+34.7%

EPS (diluted)$1.32+34.7%

Balance sheet

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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

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Operating cash flow$281.4M+21.5%

Valuation

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Market cap$9.42B+1.1%

Enterprise value$10.81B+1.6%

P/E9.2×-2.7×

P/S1×-0.1×

Profitability

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Net margin10.8%+1.5pp

Returns & leverage

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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

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Questions, answered.

What is Old Republic International's general liability — year 5?: Old Republic International (ORI) reported general liability — year 5 of 14.2% in Q4 2025.
How has Old Republic International's general liability — year 5 changed year-over-year?: Old Republic International's general liability — year 5 increased by 3.6% year-over-year, from 13.7% to 14.2%.
What does general liability — year 5 mean?: This represents the cumulative net incurred losses for general liability claims that occurred five years prior to the current reporting period. It is used to evaluate the long-term accuracy of reserve estimates for older, more complex liability claims.