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Old Republic's century-long focus on disciplined underwriting and niche specialty insurance drives high retention and consistent profitability, even in a competitive industry. Recent organic growth initiatives and increasing interest rates in the investment portfolio support future growth. Title insurance faces cyclical and regulatory headwinds, but the variable cost structure of its agent-led distribution model should keep that segment profitable until the housing market recovers.
Old Republic International Corporation (NYSE:ORI ) Q2 2025 Earnings Conference Call July 24, 2025 3:00 PM ET Company Participants Carolyn Jean Monroe - President & CEO Craig Richard Smiddy - President, CEO & Director Francis Joseph Sodaro - Senior VP & CFO Joe Calabrese - Corporate Participant Conference Call Participants Charles Gregory Peters - Raymond James & Associates, Inc., Research Division Evan Tindell - Unidentified Company Jon Paul Newsome - Piper Sandler & Co., Research Division Operator Good afternoon, and welcome to Old Republic International's Second Quarter 2025 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded.
![]() ORJ 1 month ago | Other | €0.25 Per Share |
![]() ORJ 4 months ago | Other | €0.25 Per Share |
![]() ORJ 6 months ago | Other | €1.7 Per Share |
![]() ORJ 7 months ago | Other | €0.23 Per Share |
![]() ORJ 10 months ago | Other | €0.23 Per Share |
22 Oct 2025 (In 2 months) Date | | - Cons. EPS | - EPS |
24 Jul 2025 Date | | 0.81 Cons. EPS | - EPS |
23 Jul 2025 Date | | - Cons. EPS | - EPS |
23 Apr 2025 Date | | - Cons. EPS | - EPS |
23 Jan 2025 Date | | - Cons. EPS | - EPS |
![]() ORJ 1 month ago | Other | €0.25 Per Share |
![]() ORJ 4 months ago | Other | €0.25 Per Share |
![]() ORJ 6 months ago | Other | €1.7 Per Share |
![]() ORJ 7 months ago | Other | €0.23 Per Share |
![]() ORJ 10 months ago | Other | €0.23 Per Share |
22 Oct 2025 (In 2 months) Date | | - Cons. EPS | - EPS |
24 Jul 2025 Date | | 0.81 Cons. EPS | - EPS |
23 Jul 2025 Date | | - Cons. EPS | - EPS |
23 Apr 2025 Date | | - Cons. EPS | - EPS |
23 Jan 2025 Date | | - Cons. EPS | - EPS |
Insurance - Diversified Industry | Financial Services Sector | Craig Richard Smiddy CEO | XFRA Exchange | US6802231042 ISIN |
US Country | 9,400 Employees | 6 Jun 2025 Last Dividend | 3 Jan 2006 Last Split | 26 Mar 1990 IPO Date |
Old Republic International Corporation is a key player in the insurance industry, focusing on underwriting insurance and offering related services predominantly in the United States and Canada. Established in 1923, the company is headquartered in Chicago, Illinois, and operates through a network of subsidiaries. Its services are segmented into General Insurance, Title Insurance, and Republic Financial Indemnity Group Run-off Business, covering a wide spectrum of insurance products tailored to meet the needs of individuals, businesses, and government institutions across various industries.
This segment features a comprehensive range of insurance products targeted at various sectors. Products include aviation, commercial auto, commercial multi-peril, commercial property, general liability, home and auto warranty, inland marine, travel accident, and workers' compensation insurance. Furthermore, it offers specialty financial indemnity products such as errors and omissions, fidelity, directors and officers, and surety coverages. These offerings cater to a diverse clientele ranging from businesses in transportation, commercial construction, healthcare, education, to those in retail and wholesale trade, forest products, energy, general manufacturing, and financial services.
Through this segment, Old Republic offers lenders' and owners' title insurance policies based on public record searches to real estate purchasers and investors. In addition, it provides a suite of services including escrow closing, construction disbursement, real estate information products, national default management services, and solutions for real estate transfers and loan transactions. This broad array of services facilitates secure real estate purchases and investments, ensuring customer confidence during property transactions.
This unique segment specialized in offering private mortgage insurance coverage. Such coverage is designed to protect mortgage lenders and investors from default-related losses on residential mortgage loans, primarily benefitting homebuyers. This product plays a critical role in the housing market, underwriting financial risks for lenders and investors, thereby facilitating homeownership for a wider audience.