OLD REPUBLIC INTERNATIONAL CORP Debt Disclosure
Years Ended December 31: | 2025 | 2024 | ||||||||||||||||||||||||
Senior Notes: | Carrying Amount | Fair Value | Carrying Amount | Fair Value | ||||||||||||||||||||||
| 3.875% issued in 2016 and due 2026 | $ | 549.6 | $ | 549.7 | $ | 549.0 | $ | 541.4 | ||||||||||||||||||
| 5.750% issued in 2024 and due 2034 | 396.6 | 416.4 | 396.2 | 401.3 | ||||||||||||||||||||||
| 3.850% issued in 2021 and due 2051 | 643.6 | 471.9 | 643.4 | 458.0 | ||||||||||||||||||||||
| Total debt | $ | 1,589.9 | $ | 1,438.2 | $ | 1,588.7 | $ | 1,400.7 | ||||||||||||||||||
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Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Feb 26, 2026 | Showing above |
| 2024 | Feb 27, 2025 | |
| 2023 | Feb 28, 2024 | |
| 2022 | Feb 24, 2023 | |
| 2021 | Feb 28, 2022 | |
| 2020 | Mar 1, 2021 | |
| 2019 | Feb 28, 2020 | |
| 2018 | Feb 28, 2019 | |
| 2017 | Feb 28, 2018 | |
| 2016 | Feb 28, 2017 | |
| 2015 | Feb 29, 2016 | |
About Debt Disclosures
Debt disclosures detail a company's borrowing structure — the types of instruments, interest rates, maturity schedule, and covenant restrictions that define its financial obligations and flexibility. This section is essential for assessing refinancing risk, interest rate exposure, and the margin of safety against financial distress.
Key signals: the maturity schedule reveals concentration risk — large maturities within 1-2 years during tight credit markets can force dilutive refinancing or asset sales. Compare the fair value of debt against carrying amount to gauge whether the market views the company's credit risk differently than the balance sheet suggests. Watch covenant compliance disclosures for tightening cushions, especially leverage and interest coverage ratios. Variable-rate debt exposure quantifies sensitivity to interest rate changes. Secured versus unsecured mix affects recovery rates and future borrowing capacity. Compare net debt-to-EBITDA against industry peers and covenant limits to assess financial health.