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Old Republic International (ORI) investor relations material
Old Republic International Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $204.4M, up from $91.8M year-over-year; net operating income rose 3.3% to $209.2M, and EPS increased 9% to $0.83.
Book value per share rose 12.6% since year-end 2024, reaching $25.14, inclusive of dividends.
Net premiums and fees earned grew 11% year-over-year, led by 15% growth in Specialty Insurance and 5% in Title Insurance.
Specialty Insurance drove results with robust premium growth and improved combined ratio; Title Insurance saw revenue growth but lower operating income due to higher expenses.
Maintains a diversified business model with a focus on specialty P&C and title insurance, supporting consistent long-term growth.
Financial highlights
Net investment income increased 2.4% to $171.5M, partially offset by a lower asset base after a $500M special dividend in Q1.
Total operating revenues for Q2 2025 were $2.22B, up 10.1% year-over-year.
Combined ratio for Q2 2025 was 93.6%, nearly flat year-over-year; Specialty Insurance at 90.7%, Title Insurance at 99.0%.
Annualized operating ROE reached 14.6%.
Cash dividends declared per share increased 9.4% year-over-year to $0.29 for the quarter.
Outlook and guidance
Management targets combined ratios between 90% and 95% for both Specialty and Title Insurance segments over a full underwriting cycle.
Focus remains on long-term growth, operational excellence, and maintaining a low volatility model through diversification and risk-sharing.
Continued investment in people, technology, and growth initiatives to drive future performance.
No material impact is expected from recent tax law changes.
Investment income yield improvements expected to be incremental, with mid-single-digit growth likely.
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Next Old Republic International earnings date
Q3 202523 Oct, 2025
Next Old Republic International earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Old Republic International Corporation engages in the insurance underwriting and related services business primarily in the United States and Canada. It assists individuals, families and businesses in obtaining protection against a range of risks through insurance products offered by independent agents. The company does so by offering personal lines property and casualty insurance, covering a wide range of properties and insurance. The company's markets include several states in the US, among other, Texas and Oklahoma.
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