How does Old Republic International (ORI) make money?

Old Republic International (ORI) generates revenue primarily from Title Insurance Group, which accounted for 99.6% of total revenue in TTM through Q1 2026. The company reported $9.37B in revenue and converted 10.9% of it into net profit, equivalent to roughly $1.02B in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Old Republic International (ORI)?

Old Republic International (ORI) reported a gross profit margin of 51.1% in TTM through Q1 2026, equivalent to $4.79B in gross profit on $9.37B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Old Republic International (ORI)?

Old Republic International (ORI) reported an operating profit margin of 13.8% in TTM through Q1 2026, equivalent to $1.29B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Old Republic International (ORI)?

Old Republic International (ORI) reported a net profit margin of 10.9% in TTM through Q1 2026, equivalent to $1.02B in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Old Republic International (ORI) profitable?

Yes. Old Republic International (ORI) reported $1.02B in net income for TTM through Q1 2026, with a net profit margin of 10.9%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much free cash flow does Old Republic International (ORI) generate?

Old Republic International (ORI) generated $1.21B in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 13.0%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Old Republic International (ORI)?

Old Republic International (ORI) had an effective tax rate of 20.5% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Old Republic International (ORI)?

Old Republic International (ORI) reports revenue across 2 reportable product segments, led by Title Insurance Group at 99.6% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Old Republic International Makes Money: 2026 Visual Revenue Map

Old Republic International (ORI) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 1, 2026).

Old Republic International discloses geographic revenue only in annual filings. to view the full breakdown.

Old Republic International (ORI) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Old Republic International (ORI) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Title Insurance Group	$9.34B	99.6%
Corporate & Other	$33.84M	0.4%
Total	$9.37B	100%

Title Insurance Group$9.34B
Corporate & Other$33.84M
Total$9.37B

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Old Republic International (ORI) reports revenue across 2 operating segments; the largest segment was Title Insurance Group at 99.6%, followed by Corporate & Other (0.4%).

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Employees9.5K

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