{"schema_version":"secwatch.filing_event.v1","accession":"0000074260-26-000002","form_type":"8-K","ticker":"ORI","cik":"0000074260","company_name":"OLD REPUBLIC INTERNATIONAL CORP","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.629105+00:00","generated_at":"2026-05-16T09:08:19.652700+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Old Republic Q4 net operating income down 18.6%; combined ratio worsens to 96.0%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000074260-26-000002","json":"https://secwatch.observer/filing/0000074260-26-000002.json","markdown":"https://secwatch.observer/filing/0000074260-26-000002.md","text":"https://secwatch.observer/filing/0000074260-26-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/74260/000007426026000002/0000074260-26-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/74260/000007426026000002/ori-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:08:19.652700+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"}