Old Republic Q4 net operating income down 18.6%; combined ratio worsens to 96.0%

OLD REPUBLIC INTERNATIONAL CORP

2025-FY EPS reported $3.72 revenue$9,136,300,000

Q4 net operating income per diluted share $0.74 vs $0.90 YoY, a decline of 17.8%.
Consolidated combined ratio 96.0% vs 92.7% last year, driven by commercial auto loss trends.
Specialty Insurance underwriting income fell 63.1% to $37.2M; combined ratio 97.3%.
Title Insurance underwriting income rose 21% to $47.3M; combined ratio 94.0%.
Total capital returned to shareholders $742M in Q4 ($686M dividends, $56M buybacks).

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