Old Republic International vs RLI
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KIRAβs take AI analyst
I put Old Republic International and RLI side by side, using each oneβs latest annual report. Here is what stands out:
- Old Republic International is the larger business, with $9.1B of revenue in fiscal 2025 against $1.9B for RLI, about 4.9 times as much.
- Old Republic International grew revenue faster (11.0%, against 6.3%).
- Investors pay more for each dollar of RLIβs earnings: a P/E of 15.1x against 8.4x for Old Republic International.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Old Republic International
ORI
2/5
Revenue growthShare count change
RLI
RLI
3/5
5-year growthNet marginReturn on equity
Side by side
Best in the row
| Latest fiscal year | ORI FY25 | RLI FY25 |
|---|---|---|
| Size | ||
| Market cap | $9.5B | $6.0B |
| Revenue | $9.1B | $1.9B |
| Free cash flow | β | $609M |
| Net income | $935M | $403M |
| Growth | ||
| Revenue growth | 11.0% | 6.3% |
| 5-year growth | 5.0% | 13.9% |
| Share count change | β4.4% | β0.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.2% | 21.4% |
| FCF margin | β | 32.3% |
| Return on capital | β | β |
| Return on equity | 16.2% | 24.4% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $906M | $242M |
| Valuation & quality | ||
| P/E | 8.4x | 15.1x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.