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Old Republic International ORI Specialty Insurance Segment — Net premiums earned

Other product segments

Title Insurance Group
$2.59B+11.1%
Life Insurance in Force
$253.3M-15.3%
Accident and health Insurance
$5.5M+1.9%
Life Insurance
$3.9M+11.4%

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AXSInsurance — Net premiums earned
$1.19B+14.9%
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$1.87B+0.6%
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CBLife Insurance — Net premiums earned
$961.25M+26.1%
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AXSProperty Insurance — Net premiums earned
$337.71M+17.9%

Other financials

Income statement

See full
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:PremiumsEarnedNet.

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
Life insurance in force$523.2$269.9$253.3
Premium Revenues:
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

Item 15 - Exhibits

FAQ

What is Old Republic International's specialty insurance segment — net premiums earned?
Old Republic International (ORI) reported specialty insurance segment — net premiums earned of $1.3B in Q4 2025.
How has Old Republic International's specialty insurance segment — net premiums earned changed year-over-year?
Old Republic International's specialty insurance segment — net premiums earned increased by 10.9% year-over-year, from $1.17B to $1.3B.
What is the long-term trend for Old Republic International's specialty insurance segment — net premiums earned?
Over 4 years (2021 to 2025), Old Republic International's specialty insurance segment — net premiums earned has grown at a 9.9% compound annual growth rate (CAGR), from $3.56B to $5.18B.
What does specialty insurance segment — net premiums earned mean?
Net premiums earned represent the portion of premiums that the insurer has recognized as revenue during a specific period after accounting for ceded reinsurance. This is the primary revenue metric for an insurance segment, reflecting the actual premiums retained by the company to cover claims and operating expenses. It serves as a key measure of the insurer's market presence and underwriting scale.

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