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Jun 30
Old Republic Q2 2025 Earnings Report
Old Republic posted strong Q2 2025 results with solid revenue growth and higher net income.
Key Takeaways
Old Republic International delivered a robust quarter, driven by strong Specialty Insurance growth, improved underwriting results, and higher investment income, offset by weaker Title Insurance performance.
Net income rose to $204.4 million, more than doubling from last year.
EPS increased to $0.81, with operating EPS at $0.83.
Consolidated combined ratio remained stable at 93.6%.
Specialty Insurance segment drove strong revenue and underwriting income growth.
Old Republic
Old Republic
Old Republic Revenue by Segment
Revenue by Segment
Specialty Insurance Revenue
CapyFin.comTitle Insurance Revenue
CapyFin.comCorporate & Other Revenue
CapyFin.com Forward Guidance
Management remains focused on profitable growth, expecting Specialty Insurance to maintain strong underwriting performance, while Title Insurance may face continued expense pressures.
Positive Outlook
- Specialty Insurance expected to sustain premium growth
- Continued favorable loss reserve development
- Higher investment yields to support earnings
- Strong capital position supports underwriting strength
- Combined ratios expected to remain within target range
Challenges Ahead
- Title Insurance facing higher litigation and agent commission costs
- Economic conditions may pressure commercial auto and property lines
- Interest rate volatility could impact investment income
- Potential slowdown in housing market affecting title segment
- Uncertainty in reinsurance availability and pricing