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Old Republic International ORI Specialty Insurance Segment — Unearned Premiums

Other segment segments

Corporate & Other
$0
Title Insurance Group
$0

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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:SupplementaryInsuranceInformationUnearnedPremiums.

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 / Segment / Year Ended December 31, 2025:Column B / Deferred Policy Acquisition CostsColumn C / Loss and Loss Adjustment Expense ReservesColumn D / Unearned PremiumsColumn E / Other Policyholders'Benefits and FundsColumn F / Premium Revenue
Insurance Underwriting:
Specialty Insurance$636.1$7,826.6$2,858.0$139.1$5,184.8
Title Insurance545.72.02,594.4
Corporate & Other (a)0.14.130.09.4
Reinsurance Recoverable (b)6,399.11,124.56.6
Consolidated$636.2$14,775.7$3,982.5$177.8$7,788.7
Year Ended December 31, 2024:
Insurance Underwriting:

Item 15 - Exhibits

FAQ

What is Old Republic International's specialty insurance segment — unearned premiums?
Old Republic International (ORI) reported specialty insurance segment — unearned premiums of $2.86B in Q4 2025.
How has Old Republic International's specialty insurance segment — unearned premiums changed year-over-year?
Old Republic International's specialty insurance segment — unearned premiums increased by 10.3% year-over-year, from $2.59B to $2.86B.
What does specialty insurance segment — unearned premiums mean?
This represents the portion of written premiums that has been collected but not yet earned by the insurer because the policy coverage period remains active. It acts as a liability on the balance sheet until the coverage period expires. This metric is essential for understanding the future revenue recognition potential of the specialty segment.

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