OLD REPUBLIC INTERNATIONAL CORP

ORI 10-K · FY 2025
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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Premiums Earned Net 7,788.7 7,026.4 +10.8%
Show Product Lines breakouts
Accident and health Insurance [Member] 5.5 5.4 +1.9%
Life & Accident Insurance [Member] 9.4 8.9 +5.6%
Life Insurance [Member] 3.9 3.5 +11.4%
Life Insurance in Force [Member] 253.3 299.1 -15.3%
Specialty Insurance Segment [Member] 5,184.8 4,677 +10.9%
Title Insurance Group [Member] 2,594.4 2,334.6 +11.1%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 9.4 14.6 -35.6%
Specialty Insurance Group [Member] · Operating Segments 5,184.8 4,677 +10.9%
Title Insurance Group [Member] · Operating Segments 2,594.4 2,334.6 +11.1%
Title Escrow And Other Fees 264.1 284.4 -7.1%
Show Business Segments breakouts
Title Insurance Group [Member] · Operating Segments 264.1 284.4 -7.1%
Total Premiums And Fees 8,052.9 7,310.8 +10.2%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 9.4 14.6 -35.6%
Specialty Insurance Group [Member] · Operating Segments 5,184.8 4,677 +10.9%
Title Insurance Group [Member] · Operating Segments 2,858.6 2,619.1 +9.1%
Net Investment Income 708.7 673.1 +5.3%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 91.5 127 -28.0%
Specialty Insurance Group [Member] · Operating Segments 611.7 546.5 +11.9%
Title Insurance Group [Member] · Operating Segments 69.6 63.2 +10.1%
Show Consolidated Entities breakouts
Parent Company 81.3 112.1 -27.5%
Show Consolidation Items breakouts
Intersegment Elimination -64.1 -63.7 -0.6%
Other Income 194.9 177.6 +9.7%
Show Business Segments breakouts
Specialty Insurance Group [Member] · Operating Segments 194.4 177 +9.8%
Title Insurance Group [Member] · Operating Segments 0.6 0.6 0.0%
Total Operating Revenues 8,956.6 8,161.6 +9.7%
Realized Investment Gains Losses 202 88.8 +127.5%
Equity Securities Fv Ni Unrealized Gain Loss -22.3 -18.9 -18.0%
Gain Loss On Investments 179.7 69.9 +157.1%
Revenue 9,136.3 8,231.5 +11.0%
Show Consolidated Entities breakouts
Parent Company 89.9 121.8 -26.2%
Policyholder Benefits And Claims Incurred Net 3,361.1 3,024.4 +11.1%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 3.2 2.6 +23.1%
Specialty Insurance Group [Member] · Operating Segments 3,295.6 2,975.6 +10.8%
Title Insurance Group [Member] · Operating Segments 62.2 46.1 +34.9%
Policyholder Dividends 16.2 23.5 -31.1%
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Specialty Insurance Group [Member] · Operating Segments 16.2 23.5 -31.1%
Underwriting Acquisition And Other Expenses 4,504.5 4,036.4 +11.6%
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Corporate & Other [Member] · Operating Segments 62.7 51.7 +21.3%
Specialty Insurance Group [Member] · Operating Segments 1,714.7 1,490.8 +15.0%
Title Insurance Group [Member] · Operating Segments 2,727 2,493.8 +9.4%
Interest And Other Charges 70.3 77.3 -9.1%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 70.5 79.8 -11.7%
Specialty Insurance Group [Member] · Operating Segments 64.3 62.3 +3.2%
Title Insurance Group [Member] · Operating Segments -0.3 -1.1 +72.7%
Show Consolidation Items breakouts
Intersegment Elimination -64.1 -63.7 -0.6%
Benefits Losses And Expenses 7,952.3 7,161.7 +11.0%
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments 1,184 1,069.7 +10.7%
Current Income Tax Expense Benefit 225.2 205.2 +9.7%
Deferred Income Taxes 16.8 11.7 +43.6%
Income Tax Expense (Benefit) 242.1 216.9 +11.6%
Show Consolidated Entities breakouts
Parent Company -6.1 -1.7 -258.8%
Net Income 941.9 852.7 +10.5%
Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest 6.5 — —
Net Income 935.4 852.7 +9.7%
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Retained Earnings 935.4 852.7 +9.7%
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Parent Company 937 852.7 +9.9%
EPS (Basic) 3.82 3.3 +15.8%
EPS (Diluted) 3.72 3.24 +14.8%
Wtd Avg Shares (Basic) 245,121,426 258,032,085 -5.0%
Wtd Avg Shares (Diluted) 251,313,860 262,880,631 -4.4%
Total Costs & Expenses (FY) — — —
Show Consolidated Entities breakouts
Parent Company 129 124.5 +3.6%
General & Administrative 1,846.4 1,676 +10.2%
Show Business Segments breakouts
Corporate & Other [Member] · Operating Segments 59.8 49.7 +20.3%
Specialty Insurance Group [Member] · Operating Segments 889.4 771.1 +15.3%
Title Insurance Group [Member] · Operating Segments 897.1 855.1 +4.9%
Show Consolidated Entities breakouts
Parent Company 50.1 35.8 +39.9%
Comprehensive Income 1,201 882.6 +36.1%
Other Comprehensive Income 265.6 29.9 +788.3%
Interest Expense (FY) — — —
Show Business Segments breakouts
Specialty Insurance Group [Member] 64.1 63.7 +0.6%
Show Consolidated Entities breakouts
Parent Company 70.5 79.8 -11.7%
Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 3,362.3 3,026.8 +11.1%
Income Loss From Equity Method Investments (FY) — — —
Show Consolidated Entities breakouts
Parent Company -250.4 -57.4 -336.2%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents (Q) — — —
Show Consolidated Entities breakouts
Parent Company 32.9 26.7 +23.2%
Non-Current Assets
Equity Securities Fv Ni Current And Noncurrent 2,487.7 2,540.7 -2.1%
Total Assets 29,862.7 27,843.1 +7.3%
Show Business Segments breakouts
Specialty Insurance Group [Member] · Operating Segments 26,750.6 24,563.2 +8.9%
Title Insurance Group [Member] · Operating Segments 1,937.7 1,915.8 +1.1%
Total of major segments [Member] · Operating Segments 28,688.4 26,479.1 +8.3%
Show Consolidated Entities breakouts
Parent Company 8,299.4 7,898.1 +5.1%
Show Consolidation Items breakouts
Corporate Non Segment 1,334.8 1,532.4 -12.9%
Intersegment Elimination -160.5 -168.4 +4.7%
Operating Lease Right-of-Use Assets (Q) — — —
Show Adjustments For New Accounting Pronouncements breakouts
Accounting Standards Update201602 169.3 179.7 -5.8%
Goodwill 173.2 179.6 -3.6%
Other Assets
Other Short Term Investments 1,613.6 1,403.7 +15.0%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 1,613.6 1,403.7 +15.0%
Show Consolidated Entities breakouts
Parent Company 105.6 128.1 -17.6%
Other Investments 27.7 42.8 -35.3%
Investments 16,839 16,079 +4.7%
Premiums And Other Receivables Net 2,782.2 2,471.6 +12.6%
Funds Held Under Reinsurance Agreements Asset 404.5 423.1 -4.4%
Other Assets 1,055.9 1,094 -3.5%
Show Consolidated Entities breakouts
Parent Company 172.4 153.5 +12.3%
Current Liabilities
Accounts Payable (Q) — — —
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Parent Company 79.2 101.6 -22.0%
Non-Current Liabilities
Accounts Payable And Accrued Liabilities Current And Noncurrent 601.8 547.5 +9.9%
Deferred Tax Liabilities 219.3 129.1 +69.9%
Total Liabilities 23,934.2 22,224.1 +7.7%
Show Consolidated Entities breakouts
Parent Company 2,385.3 2,279.2 +4.7%
Other Liabilities
Available For Sale Securities Debt Securities 12,709.8 12,091.5 +5.1%
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Fair Value Inputs Level1 · Fixed Maturity Securities, U S Canadian Governments [Member] 1,591.8 1,652.7 -3.7%
Fair Value Inputs Level2 · Corporate Debt Securities 10,912.7 9,862.2 +10.7%
Fair Value Inputs Level2 · Fixed Maturity Securities, U S Canadian Governments [Member] 195.6 239.1 -18.2%
Fair Value Inputs Level3 · Corporate Debt Securities 9.5 19.4 -51.0%
Show Financial Instrument breakouts
Corporate Debt Securities 10,922.3 9,881.7 +10.5%
Debt Securities 12,709.8 12,091.5 +5.1%
Fixed Maturity Securities, U S Canadian Governments [Member] 1,787.4 1,891.9 -5.5%
Accrued Investment Income Receivable 141.1 127.9 +10.3%
Unearned Premium And Policy Reserves 1,131.1 921.6 +22.7%
Liability For Claims And Claims Adjustment Expense 14,775.7 13,727.7 +7.6%
Unearned Premiums 3,982.5 3,505.4 +13.6%
Other Policholders Benefits And Funds 177.8 174 +2.2%
Total Policy Liabilities And Accruals 18,936.1 17,407.2 +8.8%
Reinsurance Balances And Funds Held 1,428 1,409.8 +1.3%
Debt And Capital Lease Obligations 1,589.9 1,588.7 +0.1%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 1,438.2 1,400.7 +2.7%
Show Debt Instrument breakouts
Senior Notes Due 2026 [Member] 549.6 549 +0.1%
Senior Notes due 2034 396.6 396.2 +0.1%
Senior Notes Due 2051 643.6 643.4 0.0%
Show Consolidated Entities breakouts
Parent Company 1,589.9 1,588.7 +0.1%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 1,589.9 — —
Other Liabilities 1,158.7 1,141.6 +1.5%
Stockholders' Equity
Common Stock 246.3 248.8 -1.0%
Additional Paid In Capital Common Stock 23.3 — —
Retained Earnings 5,515.2 5,519.7 -0.1%
Accumulated Other Comprehensive Income 163.1 -102.4 +259.3%
Unallocated Essop Shares -34.1 -47.1 +27.6%
Total Stockholders' Equity 5,914 5,618.9 +5.3%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 163.1 -102.4 +259.3%
Additional Paid In Capital 23.3 — —
Common Stock 246.3 248.8 -1.0%
Retained Earnings 5,515.2 5,519.7 -0.1%
Unallocated 401(k) Plan Shares [Member] -34.1 -47.1 +27.6%
Minority Interest 14.4 — —
Stockholders Equity Including Portion Attributable To Noncontrolling Interest 5,928.4 5,618.9 +5.5%
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Noncontrolling Interest 14.4 — —
Total Liabilities & Equity 29,862.7 27,843.1 +7.3%
Show Consolidated Entities breakouts
Parent Company 8,299.4 7,898.1 +5.1%
Cash 263.2 201.9 +30.4%
Show Consolidated Entities breakouts
Parent Company 32.9 26.7 +23.2%
Reinsurance Recoverables On Paid Losses 209.9 185.3 +13.3%
Reinsurance Recoverable For Loss And Loss Adjustment Expense Reserves 6,399.1 5,807.1 +10.2%
Deferred Policy Acquisition Costs 636.2 531.3 +19.7%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Increase Decrease In Deferred Policy Acquisition Costs -104.9 -113.4 +7.5%
Increase Decrease In Premiums Receivable -278.6 -270.1 -3.1%
Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve 438.1 354.9 +23.4%
Increase Decrease In Other Policyholder Funds 260.6 363.4 -28.3%
Increase Decrease In Income Taxes Net 45.1 20.8 +116.8%
Show Consolidated Entities breakouts
Parent Company 15.8 8.5 +85.9%
Increase Decrease In Funds Held Under Reinsurance Agreements 12.6 140.6 -91.0%
Unrealizedfromchangesinfairvalueofequitysecurities 22.3 18.9 +18.0%
Increase Decrease In Accounts Payable And Accrued Liabilities 29.1 -45.4 +164.1%
Show Consolidated Entities breakouts
Parent Company -8.1 -28.8 +71.9%
Net Cash from Operations 1,164.3 1,233.4 -5.6%
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Parent Company 694.6 775.7 -10.5%
Change in Accounts Receivable (FY) — — —
Show Consolidated Entities breakouts
Parent Company 0.2 0.7 -71.4%
Investing Activities
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 1,561.7 1,617.8 -3.5%
Proceeds From Sale Of Available For Sale Securities Debt 863.1 2,437.8 -64.6%
Proceeds From Sale Of Equity Securities Fv Ni 510.2 327.1 +56.0%
Proceeds From Sale And Maturity Of Other Investments 3.9 10.6 -63.2%
Purchases of Investments -2,612.2 -4,014.3 +34.9%
Payments To Acquire Equity Securities Fv Ni -182.7 -24.3 -651.9%
Payments To Acquire Other Investments -119.8 -103.5 -15.7%
Payments For Proceeds From Short Term Investments -203.7 -390.5 +47.8%
Show Consolidated Entities breakouts
Parent Company 22.5 -107 +121.0%
Other Investing Activities 2.3 -1.2 +291.7%
Net Cash from Investing -177.2 -3.9 -4443.6%
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Parent Company 265.9 486.6 -45.4%
Capital Expenditures (FY) — — —
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Parent Company -1.4 -1.8 +22.2%
Financing Activities
Proceeds From Issuance Of Common Stock 3.8 2 +90.0%
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Parent Company 3.8 2 +90.0%
Payments Of Dividends Common Stock -782.6 -271.9 -187.8%
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Parent Company -782.6 -271.9 -187.8%
Share Repurchases -123.8 -942.2 +86.9%
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Parent Company -123.8 -942.2 +86.9%
Proceeds From Payments For Other Financing Activities -23.1 -10.7 -115.9%
Show Consolidated Entities breakouts
Parent Company -23.1 -10.8 -113.9%
Net Cash from Financing -925.7 -1,226.9 +24.5%
Show Consolidated Entities breakouts
Parent Company -954.3 -1,240.6 +23.1%
Supplemental
Interest Paid 69.3 77.3 -10.3%
Income Taxes Paid Federal Foreign Net 198.7 196.3 +1.2%
Income Taxes Paid 210.5 203.8 +3.3%
Other Cash Flow
Net Change in Cash 61.3 2.4 +2454.2%
Show Consolidated Entities breakouts
Parent Company 6.1 21.7 -71.9%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 263.2 201.9 +30.4%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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