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Old Republic International ORI Life Insurance — Ceded Premiums Earned

Other product segments

Life Insurance in Force
$269.9M-23.2%
Accident and health Insurance
$3.4M-30.6%
Title Insurance Group
$0

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$13M+2.0%
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GNWLife insurance — Ceded Premiums Earned
$111M-7.1%
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METLife insurance — Ceded Premiums Earned
$1.79B+127%
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FNFLife Insurance Premiums — Ceded Premiums Earned
$21.25M-9.6%
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CIALife Insurance Product Line — Ceded Premiums Earned
$3.11M+124%

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

See full
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:CededPremiumsEarned.

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
Column A / Year Ended December 31, 2025:Column B / Gross AmountColumn C / Cededto Other CompaniesColumn D / Assumedfrom Other CompaniesColumn E / Net AmountColumn F / Percentageof Amount Assumedto Net
Specialty Insurance$8,144.7$3,079.2$119.3$5,184.82.3%
Title Insurance2,592.22.22,594.40.1
Life and Health Insurance:
Life insurance3.91.61.73.943.3
Accident and health insurance8.93.45.5
Total Life & Health Insurance12.85.01.79.418.0
Consolidating adjustments(1.5)(1.5)
Consolidated$10,749.8$3,082.7$121.6$7,788.71.6%

Item 15 - Exhibits

FAQ

What is Old Republic International's life insurance — ceded premiums earned?
Old Republic International (ORI) reported life insurance — ceded premiums earned of $400K in Q4 2025.
How has Old Republic International's life insurance — ceded premiums earned changed year-over-year?
Old Republic International's life insurance — ceded premiums earned decreased by 23.8% year-over-year, from $525K to $400K.
What is the long-term trend for Old Republic International's life insurance — ceded premiums earned?
Over 4 years (2021 to 2025), Old Republic International's life insurance — ceded premiums earned has grown at a -14.5% compound annual growth rate (CAGR), from $3M to $1.6M.
What does life insurance — ceded premiums earned mean?
Reflects the portion of premiums that the life insurance segment transfers to reinsurers to mitigate risk exposure. This represents the cost of purchasing reinsurance protection for the underlying insurance portfolio.

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