---
schema_version: "secwatch.filing_event.v1"
accession: "0000074260-24-000135"
form_type: "8-K"
ticker: "ORI"
cik: "0000074260"
company_name: "OLD REPUBLIC INTERNATIONAL CORP"
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:45:50.472412+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Old Republic Q3 operating EPS $0.71 vs $0.72; combined ratio 95.0% on lower reserve development

## Summary
- Q3 pretax operating income $229.2M, down 8.6% YoY; diluted operating EPS $0.71 vs $0.72.
- Net premiums and fees earned up 9.6% to $1.93B, led by General Insurance (+13.9%) and Title (+3.5%).
- Consolidated combined ratio 95.0% (vs 91.9% YoY) reflecting lower favorable prior-year reserve development (1.3 pts vs 4.5 pts).
- General Insurance pretax operating income fell 8.5% to $197.3M; Title Insurance up 7.5% to $40.2M.
- Book value per share $25.71, up 13.7% YTD inclusive of dividends; $232M returned to shareholders in Q3.

## SEC filing metadata
- accession: 0000074260-24-000135
- form_type: 8-K
- ticker: ORI
- cik: 0000074260
- company_name: OLD REPUBLIC INTERNATIONAL CORP
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/74260/000007426024000135/0000074260-24-000135-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/74260/000007426024000135/ori-20241024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000074260-24-000135
- JSON: https://secwatch.observer/filing/0000074260-24-000135.json
- Plain text: https://secwatch.observer/filing/0000074260-24-000135.txt

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