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Dec 31, 2025
Old Republic Q4 2025 Earnings Report
Old Republic reported strong Q4 results with solid growth in net income and premiums earned.
Key Takeaways
Old Republic delivered a robust Q4 2025 performance with significant increases in net income and net premiums, supported by higher investment income. The company maintained profitability with a combined ratio of 96.0%.
Revenue by Segment
Forward Guidance
Old Republic remains focused on long-term profitability with disciplined underwriting and investment strategies across segments.
Positive Outlook
- Strong growth in net premiums earned across all segments
- Improved book value per share
- Stable and strong investment income performance
- Favorable prior-year loss development in commercial auto and property
- Target combined ratios between 90% and 95% achieved in key segments
Challenges Ahead
- Higher current year loss ratio in long-haul trucking
- Decline in Canadian premiums (travel accident and trucking)
- Higher expense ratios due to new company investments
- Lower investment income in Corporate & Other due to reduced asset base
Historical Earnings Impact
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Avg. Return Before/After Earnings
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