The financial services sector includes nineteen industries all related to managing money: asset management; banks either global or from any of seven regions, capital markets, credit services, financial exchanges, insurance in six specializations, savings banks, and specialty finance.

Today I'm reviewing a mid-cap diversified insurance firm

It's name is Old Republic International Corporation

 It's trading ticker symbol is ORI.  

Old Republic International Corporation is engaged in insurance underwriting and related services. It conducts its operations through General Insurance, Title Insurance, and the Republic Financial Indemnity and consumer credit indemnity Run-off Business.

Operating in the United States and Canada, the company provides services through three segments: General Insurance Group, Title Insurance Group, and the Republic Financial Indemnity Group Run-off Business. 

 Old Republic International Corporation was founded in 1887 and is headquartered in Chicago, Illinois.

I use three key data points gauge the value of any dividend equity or fund like Old Republic International Corporation: 

(1) Price

(2) Dividends

(3) Returns

After those three, four more keys will finally unlock an equity or fund in which to invest. 

No matter what, it's the first three primary traits that best tell whether a company has made, is making, and will make money. 

ORI Price

People's price was $20.95 per share at yesterday's market close. A year ago its price was $20.41 for a gain of $0.54 per share in the past year.  

Assuming ORI's price will continue to trade in the range of $18.00 to $22.00 next year, its price could grow another $0.54 from $20.95 to $21.49 by June 19, 2019. 

ORI Dividends

People's most recently declared quarterly dividend was $0.195 per share paid June 15. That $0.195 monthly dividend equates to an estimated annual payout of $0.78 per share for 2018-19 which yields 3.72% at yesterday's $20.95 closing stock price.  

Gains For ORI?

ORI's $0.54 estimated year over year price gain plus an anticipated dividend of  $0.78 makes a projected gross annual gain of $1.32 per share, which will be reduced by the costs to trade those shares.  

A little over $1,000.00 invested today at the $20.95 price buys 48 shares. 

A $10 broker fee paid half at purchase and half at sale subtracts $0.21 per share.

Taking that $0.21 brokerage cost out of the estimated $1.32 gross gain per share leaves a net gain of $1.11 X 48 shares 

= $53.28

or a 5.3% potential net gain on a $1,005.60 investment.

Therefore, Old Republic International Corporation  (whose ticker symbol is ORI), now shows a possible 5.3% net gain including a 3.72% dividend yield. 

Two analysts cover this stock:

One says "buy" ORI.

One says ORI will "outperform."

Their two analyst consensus recommendation is 1.5 or "outperform" and their median price target is  $3.05 or $2.51 over my $0.54 year over year estimate.

Y Charts rates ORI "neutral" for an overall "Y" rating. Y Charts also shows "excellent" for a Value score of 9 out of ten points. And YCharts ranks ORI "strong" with 8 out of 10 possible Fundamental points. Y Charts Historic Valuation score for ORI is 0.17% undervalued at a $20.99 historic valuation.

You could look at all those numbers like this: Old Republic International Corporation has made money, is making money, and could net a 5% to 9% net gain next year including a 3.72% annual dividend yield paid out quarterly. It could be more, it could be less.

The above speculation is conjecture based on past year performance. Actual results remain to be seen. They could turn out to be far higher or lower. More study is required for you to determine if Old Republic International Corporation is worth your time and money.