Old Republic International Corp 2025年度报告

FORM 11-K ☒Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934For the Fiscal Year EndedDecember 31, 2025 OR Transition Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934For the transition period from _______________ to _______________Commission File Number:001-10607 ORI 401(k) SAVINGS AND PROFIT SHARING PLAN OLD REPUBLIC INTERNATIONAL CORPORATION307 NORTH MICHIGAN AVENUECHICAGO, ILLINOIS 60601 Pursuant to the requirements of the Securities Exchange Act of 1934, the Administration Committee has duly caused thisAnnual Report to be signed on behalf of the undersigned, thereunto duly authorized. Date: July 13, 2026 ORI 401(k) Savings and Profit Sharing Plan Report on Audits of Financial Statementsand Supplemental Schedule For the Years Ended December 31, 2025 and 2024 INDEX TO FINANCIAL STATEMENTS AND SUPPLEMENTAL SCHEDULE Report of Independent Registered Public Accounting Firm Financial Statements: Statements of Net Assets Available for Benefits as ofDecember 31, 2025 and 2024 Statement of Changes in Net Assets Available for Benefits for theYear Ended December 31, 2025 Notes to Financial Statements Supplemental Schedule: Schedule of Assets (Held at End of Year) at December 31, 2025 Report of Independent Registered Public Accounting Firm To the Participants and Plan Administrator of theORI 401(k) Savings and Profit Sharing Plan Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of the ORI 401(k) Savingsand Profit Sharing Plan (the Plan) as of December 31, 2025 and 2024, and the related statement of changes innet assets available for benefits for the year ended December 31, 2025, and the related notes (collectivelyreferred to as the financial statements). In our opinion, the financial statements present fairly, in all materialrespects, the net assets available for benefits of the Plan as of December 31, 2025 and 2024, and the changesin net assets available for benefits for the year ended December 31, 2025, in conformity with accountingprinciples generally accepted in the United States of America. Basis for Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express anopinion on the Plan’s financial statements based on our audits. We are a public accounting firm registered withthe Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independentwith respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules andregulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that weplan and perform the audit to obtain reasonable assurance about whether the financial statements are free ofmaterial misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financialstatements, whether due to error or fraud, and performing procedures that respond to those risks. Suchprocedures included examining, on a test basis, evidence regarding the amounts and disclosures in thefinancial statements. Our audits also included evaluating the accounting principles used and significantestimates made by management, as well as evaluating the overall presentation of the financial statements. Webelieve that our audits provide a reasonable basis for our opinion. Supplemental Information The supplemental information in the accompanying schedule of assets (held at end of year) as of December31, 2025, has been subjected to audit procedures performed in conjunction with the audit of the Plan’s financialstatements. The supplemental information is the responsibility of the Plan’s management. Our audit proceduresincluded determining whether the supplemental information reconciles to the financial statements or theunderlying accounting and other records, as applicable, and performing procedures to test the completenessand accuracy of the information presented in the supplemental information. In forming our opinion on thesupplemental information, we evaluated whether the supplemental information, including its form and content,is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosureunder the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information isfairly stated, in all material respects, in relation to the financial statements as a whole. /s/ CBIZ CPAs P.C. CBIZ CPAs P.C. We have served as the Plan's auditor since 2007. West Conshohocken, PennsylvaniaJuly 13, 2026 NOTES TO FINANCIAL STATEMENTS_________________ 1.Description of Plan A.Basis of Presentation The accompanying financial statements of the ORI 401(k) Savings and Profit Sharing Plan (the Plan) includeplanassets for employees of Old Republic Internati