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Side-by-side financial comparison of OLD REPUBLIC INTERNATIONAL CORP (ORI) and PulteGroup (PHM). Click either name above to swap in a different company.
PulteGroup is the larger business by last-quarter revenue ($3.4B vs $2.4B, roughly 1.4× OLD REPUBLIC INTERNATIONAL CORP). OLD REPUBLIC INTERNATIONAL CORP runs the higher net margin — 13.8% vs 10.2%, a 3.6% gap on every dollar of revenue. On growth, OLD REPUBLIC INTERNATIONAL CORP posted the faster year-over-year revenue change (6.7% vs -12.4%). Over the past eight quarters, OLD REPUBLIC INTERNATIONAL CORP's revenue compounded faster (13.2% CAGR vs -13.9%).
Old Republic International Corporation is an American property insurance and title insurance company. The company is headquartered in Chicago, Illinois.
PulteGroup, Inc. is an American residential home-construction company based in Atlanta, Georgia, United States. As of 2023, the company is the third-largest home-construction company in the United States based on the number of homes closed. In total, the company has built over 775,000 homes.
ORI vs PHM — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.4B | $3.4B |
| Net Profit | $330.0M | $347.0M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 13.8% | 10.2% |
| Revenue YoY | 6.7% | -12.4% |
| Net Profit YoY | -145.5% | — |
| EPS (diluted) | — | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $2.4B | $3.4B | ||
| Q4 25 | $2.4B | $4.6B | ||
| Q3 25 | $2.4B | $4.4B | ||
| Q2 25 | $2.2B | $4.4B | ||
| Q1 25 | $2.1B | $3.9B | ||
| Q4 24 | $2.0B | $4.9B | ||
| Q3 24 | $2.3B | $4.5B | ||
| Q2 24 | $1.9B | $4.6B |
| Q1 26 | $330.0M | $347.0M | ||
| Q4 25 | $206.5M | $501.6M | ||
| Q3 25 | $279.5M | $585.8M | ||
| Q2 25 | $204.4M | $608.5M | ||
| Q1 25 | $245.0M | $522.8M | ||
| Q4 24 | $105.3M | $913.2M | ||
| Q3 24 | $338.9M | $697.9M | ||
| Q2 24 | $91.8M | $809.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 27.8% | ||
| Q2 25 | — | 28.6% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 30.4% | ||
| Q2 24 | — | 31.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 14.6% | — | ||
| Q2 25 | 11.8% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.2% | — | ||
| Q2 24 | 6.1% | — |
| Q1 26 | 13.8% | 10.2% | ||
| Q4 25 | 8.6% | 10.9% | ||
| Q3 25 | 11.5% | 13.3% | ||
| Q2 25 | 9.3% | 13.8% | ||
| Q1 25 | 11.6% | 13.4% | ||
| Q4 24 | 5.3% | 18.6% | ||
| Q3 24 | 14.5% | 15.6% | ||
| Q2 24 | 4.9% | 17.6% |
| Q1 26 | — | — | ||
| Q4 25 | $0.82 | $2.56 | ||
| Q3 25 | $1.11 | $2.96 | ||
| Q2 25 | $0.81 | $3.03 | ||
| Q1 25 | $0.98 | $2.57 | ||
| Q4 24 | $0.42 | $4.41 | ||
| Q3 24 | $1.32 | $3.35 | ||
| Q2 24 | $0.35 | $3.83 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.8B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.9M | $13.0B |
| Total Assets | $29.6M | $5.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| Q4 25 | — | $2.0B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | $43.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $31.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $5.9M | $13.0B | ||
| Q4 25 | $5.9B | $13.0B | ||
| Q3 25 | $6.4B | $12.8B | ||
| Q2 25 | $6.2B | $12.6B | ||
| Q1 25 | $5.9B | $12.3B | ||
| Q4 24 | $5.6B | $12.1B | ||
| Q3 24 | $6.4B | $11.6B | ||
| Q2 24 | $6.0B | $11.2B |
| Q1 26 | $29.6M | $5.2B | ||
| Q4 25 | $29.9B | $18.0B | ||
| Q3 25 | $30.3B | $17.9B | ||
| Q2 25 | $29.3B | $17.6B | ||
| Q1 25 | $28.0B | $17.3B | ||
| Q4 24 | $27.8B | $17.4B | ||
| Q3 24 | $28.8B | $17.0B | ||
| Q2 24 | $27.5B | $16.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $159.8M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.7% |
| Cash ConversionOCF / Net Profit | — | 0.46× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $159.8M | ||
| Q4 25 | $234.9M | $771.1M | ||
| Q3 25 | $563.9M | $678.4M | ||
| Q2 25 | $133.8M | $287.5M | ||
| Q1 25 | $231.7M | $134.2M | ||
| Q4 24 | $361.7M | $567.6M | ||
| Q3 24 | $474.8M | $455.9M | ||
| Q2 24 | $236.5M | $417.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $739.8M | ||
| Q3 25 | — | $651.1M | ||
| Q2 25 | — | $253.0M | ||
| Q1 25 | — | $104.6M | ||
| Q4 24 | — | $543.1M | ||
| Q3 24 | — | $417.2M | ||
| Q2 24 | — | $386.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 14.8% | ||
| Q2 25 | — | 5.7% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | — | 9.3% | ||
| Q2 24 | — | 8.4% |
| Q1 26 | — | 0.7% | ||
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.7% |
| Q1 26 | — | 0.46× | ||
| Q4 25 | 1.14× | 1.54× | ||
| Q3 25 | 2.02× | 1.16× | ||
| Q2 25 | 0.65× | 0.47× | ||
| Q1 25 | 0.95× | 0.26× | ||
| Q4 24 | 3.43× | 0.62× | ||
| Q3 24 | 1.40× | 0.65× | ||
| Q2 24 | 2.58× | 0.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ORI
| operating | $2.2B | 92% |
| net investment gains | $201.8M | 8% |
PHM
| Home sale revenues | $3.3B | 97% |
| Financial Services | $71.7M | 2% |
| Land sale and other revenues | $29.3M | 1% |
