Here are the 10-K annual reports from Old Republic International Corporation (ORI) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow ORI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ORI filings page.
Old Republic International reports steady growth for 2025, with consolidated revenues of $9,136.3 million and pretax income of $1,184.0 million, both higher than 2024 and well above 2023 levels. Results reflect its long‑term focus on disciplined underwriting and conservative investing.
Specialty Insurance remains the core engine, generating revenues of $5,990.9 million and pretax income of $900.0 million, supported by 2025 net premiums earned of $5,184.8 million and a combined ratio of 93.2%. Commercial auto, workers’ compensation, property, and general liability all contributed, with overall Specialty net premiums up 10.9% on rate increases, strong renewal retention, and new business.
Title Insurance produced revenues of $2,928.9 million, pretax income of $139.9 million, and a combined ratio of 97.6%, aided by commercial real estate strength and a refinancing uptick. Companywide, net premiums and fees earned reached $8,052.9 million and investment income grew to $708.7 million. Total assets were $29,862.7 million at December 31, 2025, and five‑year total shareholder return far exceeded the S&P 500 and a selected peer group.