---
schema_version: "secwatch.filing_event.v1"
accession: "0000074260-25-000131"
form_type: "8-K"
ticker: "ORI"
cik: "0000074260"
company_name: "OLD REPUBLIC INTERNATIONAL CORP"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:53:22.372469+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Old Republic Q2 net operating EPS $0.83 (+9.2%); Title insurance combined ratio worsens to 99.0%

## Summary
- Net operating EPS $0.83 (up 9.2%); net income $204.4M vs $91.8M last year (boosted by lower investment losses).
- Consolidated premiums earned $1.99B (+11%); combined ratio 93.6% (vs 93.5% prior year).
- Specialty Insurance pretax operating income $253.7M (+25.3%) on rate increases and new business.
- Title Insurance pretax operating income $24.2M (-47.2%); combined ratio 99.0% (vs 95.4%) from litigation costs.
- Book value per share $25.14 (+12.6% YTD); Q2 dividends of $71.8M returned to shareholders.

## SEC filing metadata
- accession: 0000074260-25-000131
- form_type: 8-K
- ticker: ORI
- cik: 0000074260
- company_name: OLD REPUBLIC INTERNATIONAL CORP
- filed_at: 2025-07-24T23:59:59+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/74260/000007426025000131/0000074260-25-000131-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/74260/000007426025000131/ori-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000074260-25-000131
- JSON: https://secwatch.observer/filing/0000074260-25-000131.json
- Plain text: https://secwatch.observer/filing/0000074260-25-000131.txt

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