Orion180 Insurance Group Inc./$OIG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Orion180 Insurance Group Inc.
Orion180 Insurance Group Inc operating as an insurance holding company. It is a founder-led, technology-focused, high-growth, high-margin specialty insurance group delivering insurance solutions with a growing footprint across the United States. The group operates in two segments: Services and Underwriting. The Services segment includes technology-enabled policy servicing operations, including intercompany revenue earned through service arrangements between the Services and Underwriting segments. The Underwriting segment includes a conventional, regulated insurance model focused on risk selection, pricing, and statutory capital management. The segment also includes a segregated cell designed to assume reinsurance risk.
- Ticker
- $OIG
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 300
- Headquarters
- Melbourne, United States
- Website
- www.orion180.com
OIG Metrics
BasicAdvanced
$1B
63.52
$0.16
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Price and volume
Market cap
$1B
52-week high
$12.06
52-week low
$7.78
Average daily volume
264K
Financial strength
Current ratio
0.993
Quick ratio
0.295
Long term debt to equity
-1.862
Total debt to equity
-1.882
Dividend payout ratio (TTM)
497.01%
Interest coverage (TTM)
8.77%
Profitability
Gross margin (TTM)
89.07%
Net profit margin (TTM)
21.49%
Operating margin (TTM)
39.35%
Effective tax rate (TTM)
26.91%
Revenue per employee (TTM)
$510,000
Management effectiveness
Valuation
Price to earnings (TTM)
63.524
Price to revenue (TTM)
13.377
Price to book
-16.39
Price to tangible book (TTM)
-14.53
Price to free cash flow (TTM)
18.892
Free cash flow yield (TTM)
5.29%
Free cash flow per share (TTM)
0.551
Growth
What the Analysts think about OIG
Analyst ratings (Buy, Hold, Sell) for Orion180 Insurance Group Inc. stock.
Analyst projections of the future price of Orion180 Insurance Group Inc. stock.
Bulls say / Bears say
Managed premiums in force rose 72% year on year to $678 million in the third quarter, while net income grew 32% to $11 million. Adjusted EBITDA rose 65%, suggesting the rapid expansion is translating into stronger earnings. (GlobeNewswire)
The underwriting segment’s quarterly combined ratio improved to 68.8% from 95.8% a year earlier, and its adjusted EBITDA increased to $11.5 million. This points to better underwriting profitability, although the gross loss ratio moved the other way. (GlobeNewswire)
Orion180 has a 14-state footprint and around 17,000 active independent agents, with new landlord and higher-cover home products adding growth options. Management says it has a small share of the broader US homeowners market, leaving room to expand if execution holds. (Stock Analysis)
The model depends heavily on outside reinsurers: Orion180 ceded about 85% of third-quarter gross premiums, and its reinsurance balances have grown sharply alongside the book. That makes continued growth and margins vulnerable to changes in reinsurer capacity and pricing. (Insurance Business)
The gross loss ratio rose to 32.8% in the third quarter from 27.3% a year earlier, while the nine-month combined ratio remained above 100%. Earlier 2026 disclosures also cited more frequent and severe wind, hail and other storms, highlighting exposure to claims volatility. (GlobeNewswire, SEC)
Policy retention fell to 87.6% from 89.6% year on year, and management acknowledged some pricing pressure. If that persists, it could make growth more dependent on costly new customer acquisition or further underwriting changes. (GlobeNewswire, Stock Analysis)
Data summarised monthly by Lightyear AI. Last updated on 11 Nov 2026.
OIG Financial Performance
Revenues and expenses
OIG Earnings Performance
Company profitability
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