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Sep 30, 2023

Old Republic Q3 2023 Earnings Report

Old Republic's Q3 2023 earnings were reported, revealing a mix of results across its segments.

Key Takeaways

Old Republic reported pretax income, excluding investment losses, of $250.8 million for the third quarter of 2023. Title Insurance results declined due to higher mortgage interest rates, while General Insurance pretax operating income rose by 28.6%. The consolidated combined ratio was 91.9% for the quarter.

Pretax income, excluding investment losses, was $250.8 million.

General Insurance pretax operating income increased by 28.6%.

Title Insurance results were affected by higher mortgage interest rates.

The consolidated combined ratio stood at 91.9%.

Total Revenue
$1.95B
Previous year: $2.1B
-7.2%
EPS
$0.72
Previous year: $0.68
+5.9%
General Insurance Combined Ratio
89%
Previous year: 90%
-1.1%
Title Insurance Combined Ratio
96.7%
Previous year: 93.7%
+3.2%
Consolidated Combined Ratio
91.9%
Previous year: 91.4%
+0.5%
Gross Profit
$1.76B
Previous year: $1.72B
+2.3%
Cash and Equivalents
$152M
Previous year: $102M
+48.5%
Total Assets
$20.1B
Previous year: $24.9B
-19.5%

Old Republic

Old Republic

Old Republic Revenue by Segment

Forward Guidance

The insurance business is distinguished from most others in that the prices (premiums) charged for most products are set without knowing what the ultimate loss costs will be.

Revenue & Expenses

Visualization of income flow from segment revenue to net income