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The Screen · Financials · Insurance - Property & Casualty
Old Republic International Corporation
ORI · the NYSE · USD · Market cap $9.5B · 9,500 employees
Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada.
FAIL · Does not pass the screen
38.91 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 7 days ago
Screened 2026-10-23 · the tape above runs as of 12:01 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price38.91 USD at the 23 Oct 2026 close
Ethical screenDoes not pass
OptionsOpen interest leans slightly to calls (put/call 0.94)
Last reviewed23 Oct 2026 (7 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 38.91 against the desk's fair-value range, base estimate 46.37, over the last year.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.94, read 2026-10-28
Ethical does not pass the values gate
Price38.91 USD
Fair value46.37
Ethical score30.0/100
Our investment reviews on this name
2026-10-22Read Accumulation39.27-0.9% to today Markdown gives way to Accumulation after a 6% slide in 6 weeks
2026-09-08Read Markdown41.97-7.3% to today ✓Markup gives way to Markdown first Markdown read since July
2026-08-07Read Markup43.45-10.4% to today Markdown gives way to Markup after a 13% rise in 5 weeks
2026-07-02Read Markdown38.57+0.9% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Old Republic International Corporation holds its Accumulation at $38.91. The statistical read favours the sellers, held for 49 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 49 days
Price at the screen
$38.91
Valuation
8.63 trailing · 11.96 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.59
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: insurance
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: insurance
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Old Republic International does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-29. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when ORI's ethical verdict changes
Today ORI does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 19.2% margin of safety to the base estimate.
Third-party analyst targets: 2 covering, consensus Buy. The average target sits +12% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Ethical screen rules out this insurer outright
Think of an adjuster driving out after a Midwest storm to settle claims on homes and businesses. That is the core work at Old Republic in its specialty and title books. Our screen still blocks the name because the entire insurance sector sits on the prohibited list.
Revenue is growing 14 percent and return on equity reaches 17 percent, yet the forward multiple sits at just 12.7 times with almost no margin of safety above the current price. Analyst targets cluster around the same level, so the numbers offer little extra pull once ethics close the door.
Property and casualty books swing with claim volumes and pricing cycles that can turn quickly. The screen keeps us out of the sector for that reason as well. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
ORI trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-29Accumulation$38.91-0.9%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$39.27+0.0%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Markdown$39.27+2.2%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 2.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Markdown$38.41+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$38.41+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Markdown$38.41+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Markdown$38.41+0.6%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$38.17+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$38.17+0.3%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are up 15%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (2 analysts) rates it none, with a mean price target of $42.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
