---
schema_version: "secwatch.filing_event.v1"
accession: "0000074260-23-000091"
form_type: "8-K"
ticker: "ORI"
cik: "0000074260"
company_name: "OLD REPUBLIC INTERNATIONAL CORP"
filed_at: "2023-10-26T23:59:59+00:00"
generated_at: "2026-06-09T09:10:33.603313+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Old Republic Q3 pretax op income $250.8M, down 2.6%; Title Insurance weak, General strong

## Summary
- Pretax income excluding investment losses of $250.8M (down 2.6% YoY); diluted EPS $0.72 (up 5.9%).
- Title Insurance pretax operating income fell 48.9% to $37.4M on lower mortgage originations due to higher rates.
- General Insurance pretax operating income rose 28.6% to $215.5M on premium rate increases and higher net investment income.
- Book value per share $21.37 (up from $21.07 at year-end 2022); $192M returned to shareholders in Q3.
- Consolidated combined ratio 91.9% (Q3 2023) vs 91.4% (Q3 2022); net premiums and fees earned down 9.4%.

## SEC filing metadata
- accession: 0000074260-23-000091
- form_type: 8-K
- ticker: ORI
- cik: 0000074260
- company_name: OLD REPUBLIC INTERNATIONAL CORP
- filed_at: 2023-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/74260/000007426023000091/0000074260-23-000091-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/74260/000007426023000091/ori-20231026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000074260-23-000091
- JSON: https://secwatch.observer/filing/0000074260-23-000091.json
- Plain text: https://secwatch.observer/filing/0000074260-23-000091.txt

## Key facts
- Earnings Releases
  OLD REPUBLIC INTERNATIONAL CORP reported the first nine months of 2023 results: net income $408.0, EPS $1.42.
  - Period: the first nine months of 2023
  - Net income: $408.0
  - EPS: $1.42
  - Result: reported results
  source text: Net income (loss) $ 52.6 $ (91.7) $ 408.0 $ 174.3
  evidence_url: https://www.sec.gov/Archives/edgar/data/74260/000007426023000091/0000074260-23-000091-index.htm
- Earnings Releases
  OLD REPUBLIC INTERNATIONAL CORP reported the quarter ended September 30, 2023 results: net income $52.6, EPS $0.19.
  - Period: the quarter ended September 30, 2023
  - Net income: $52.6
  - EPS: $0.19
  - Result: reported results
  source text: Old Republic International Corporation announced the results of its operations and its financial condition for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/74260/000007426023000091/0000074260-23-000091-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.