)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Old Republic International (ORI) investor relations material
Old Republic International Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net operating income per diluted share increased to $0.78, up 9.9% year-over-year, driven by growth in both Specialty and Title Insurance segments.
Book value per share rose 18.5% since year-end 2024, reaching $26.19, with annualized operating return on equity at 14.4%.
Consolidated net premiums and fees earned increased 8.1% year-over-year to $2.1 billion, with both major segments contributing.
Announced agreement to acquire Everett Cash Mutual Insurance Company (ECM), expanding specialty insurance offerings and product diversification.
Total capital returned to shareholders in Q3 was $115 million, including dividends and share repurchases.
Financial highlights
Net operating income for Q3 2025 was $197 million, up from $183 million in Q3 2024.
Combined ratio for Q3 2025 was 95.3%, up from 95.0% last year.
Net investment income rose 6.7% to $182.6 million, with bond portfolio book yield at 4.7%.
Cash dividends declared per share increased 9.4% year-over-year for both the quarter and nine months.
$44 million in share repurchases during Q3; $910 million remains authorized.
Outlook and guidance
Management targets combined ratios between 90% and 95% for both Specialty and Title Insurance segments over a full underwriting cycle.
Acquisition of ECM is expected to be accretive to book value per share and operating EPS, pending regulatory approval in 2026.
Continued investment in specialty start-ups, technology, and new business lines to drive future growth.
Specialty expense ratio: drivers and outlook
Title 9M pretax income decline: key factors
What drives Corporate & Other segment volatility?
What makes ECM a unique specialty acquisition?
How is excess capital measured and deployed?
What drives your commercial auto outperformance?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Old Republic International earnings date
Q4 202523 Jan, 2026
Next Old Republic International earnings date
Q4 202523 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage