{"schema_version":"secwatch.filing_event.v1","accession":"0000074260-22-000020","form_type":"8-K","ticker":"ORI","cik":"0000074260","company_name":"OLD REPUBLIC INTERNATIONAL CORP","filed_at":"2022-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.548141+00:00","generated_at":"2026-06-26T02:54:59.404854+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ORI Q1 adj. EPS $0.63 (-8.7%); Title Insurance profit down 21.9% on rate hikes","bullets":["Net income excluding investment gains fell to $191.7M ($0.63 diluted) from $206.3M ($0.69), down 8.7% YoY.","Consolidated combined ratio worsened to 91.9% from 90.9%, as expense ratio rose to 60.2% from 58.1%.","Title Insurance pretax operating income declined 21.9% to $80.9M as rising mortgage rates reduced refinance activity.","General Insurance pretax operating income up 1.2% to $142.5M, with net premiums earned up 6.0% but expense ratio elevated.","Book value per share $22.23, down 2.3% from year-end due to unrealized fixed-income losses; dividend increased to $0.23."],"urls":{"canonical":"https://secwatch.observer/filing/0000074260-22-000020","json":"https://secwatch.observer/filing/0000074260-22-000020.json","markdown":"https://secwatch.observer/filing/0000074260-22-000020.md","text":"https://secwatch.observer/filing/0000074260-22-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/74260/000007426022000020/0000074260-22-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/74260/000007426022000020/ori-20220428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T02:54:59.404854+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}