NASDAQ · STOCK
Old Republic International
$43.22
52W $35.60 – $46.76
60/100
$10.52B
9.2
0.63
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is ORI Bullish or Bearish?
Bullish.
Innellis AI committee rates Old Republic International (ORI) Buy with a composite score of 60/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.20 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.80 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 9.2 is inexpensive for the broad market — Value
- ROE of 18.7% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.9% pays you to wait — Value
- EPS growing 29.3% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- 3 consecutive earnings misses -- execution concerns — Growth
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — Technical
- Current ratio of 0.43 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
60/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 49%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 9.2 is inexpensive for the broad market
Growth Analyst
bullish
64
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 29.3% YoY
− 3 consecutive earnings misses -- execution concerns
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Price structure (LH_LL) contradicts the uptrend -- mixed signals
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.27) -- balance sheet can absorb a shock
− Current ratio of 0.43 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 60.0 to 59.8.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 5 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 57->63 (+6).
- Value Analyst: +2 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
57.3
Neutral
MACD Histogram
0.113
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$38.35
Resistance
$43.44
Bollinger %B
0.75
Inside Bands
Price vs Moving Averages
EMA 9
$43.04
Above
EMA 21
$42.17
Above
EMA 50
$41.10
Above
EMA 200
$40.54
Above
Fundamental Analysis
Valuation
99
Growth
36
Profitability
0
Financial Health
50
Cash Flow
38
Valuation
P/E Ratio
9.2×
P/B Ratio
1.71×
PEG Ratio
0.32
Dividend Yield
0.09%
52W High
$46.76
52W Low
$35.60
Quality & Growth
ROE
15.8%
ROA
3.1%
Gross Margin
51.9%
Operating Margin
15.2%
Revenue Growth YoY
—
Debt / Equity
0.38
AI Fundamental Assessment
P/E ratio of 9.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.7x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.2%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.5%; Current ratio of 0.25 (tight short-term liquidity); Debt-to-equity of 0.38; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (3.32); Most recent quarter missed estimates by 5.0%; 3 consecutive earnings misses; EPS growth accelerating (-8.1% -> +11.8% QoQ); Average YoY EPS growth of -8.4%; Analyst estimates falling over recent quarters
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