(RLI) RLI - Ratings and Ratios
Property Insurance, Casualty Insurance, Surety Bonds
RLI EPS (Earnings per Share)
RLI Revenue
Description: RLI RLI
RLI Corp is a property and casualty insurance holding company that underwrites a diverse range of insurance products across three business segments: Casualty, Property, and Surety. The company offers specialized insurance coverages, including commercial excess, professional liability, and surety bonds, to various industries and businesses, showcasing its niche expertise.
From a business perspective, RLI Corps strength lies in its ability to provide tailored insurance solutions to specific industries, such as contractors, environmental remediation specialists, and small to medium-sized professionals. This focus on niche markets allows the company to differentiate itself from larger, more generalized insurance providers. Key performance indicators (KPIs) that could be used to evaluate RLI Corps success include its loss ratio, expense ratio, and combined ratio, which are crucial metrics for insurance companies.
Additionally, RLI Corps reinsurance offerings and ability to market its products through various channels, including its website, demonstrate its adaptability in a competitive insurance landscape. To further assess the companys financial health and operational efficiency, other relevant KPIs could include its return on equity (RoE) of 11.91%, which is already provided, as well as its premium growth rate, underwriting income, and investment income.
From a valuation perspective, RLI Corps price-to-earnings (P/E) ratio of 19.42 and forward P/E ratio of 22.78 suggest that the market has certain expectations regarding the companys future earnings growth. Analyzing these metrics in conjunction with the companys historical earnings growth rate and industry averages could provide a more comprehensive understanding of RLI Corps valuation.
RLI Stock Overview
| Market Cap in USD | 6,142m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1985-08-15 |
RLI Stock Ratings
| Growth Rating | 16.7% |
| Fundamental | 71.7% |
| Dividend Rating | 59.8% |
| Return 12m vs S&P 500 | -25.9% |
| Analyst Rating | 3.13 of 5 |
RLI Dividends
| Dividend Yield 12m | 0.88% |
| Yield on Cost 5y | 1.66% |
| Annual Growth 5y | 38.55% |
| Payout Consistency | 95.2% |
| Payout Ratio | 87.3% |
RLI Growth Ratios
| Growth Correlation 3m | -74.1% |
| Growth Correlation 12m | -75.4% |
| Growth Correlation 5y | 93% |
| CAGR 5y | 11.69% |
| CAGR/Max DD 3y | 0.45 |
| CAGR/Mean DD 3y | 1.89 |
| Sharpe Ratio 12m | 0.48 |
| Alpha | 0.03 |
| Beta | 0.818 |
| Volatility | 21.17% |
| Current Volume | 515.7k |
| Average Volume 20d | 491.3k |
| Stop Loss | 63.7 (-3%) |
| Signal | 0.45 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (323.4m TTM) > 0 and > 6% of Revenue (6% = 109.0m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA 1.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1.49% (prev -77.36%; Δ 78.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 625.7m > Net Income 323.4m (YES >=105%, WARN >=100%) |
| Net Debt (78.6m) to EBITDA (232.5m) ratio: 0.34 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (92.5m) change vs 12m ago 0.17% (target <= -2.0% for YES) |
| Gross Margin 99.99% (prev 63.60%; Δ 36.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 34.26% (prev 35.25%; Δ -0.99pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 42.75 (EBITDA TTM 232.5m / Interest Expense TTM 5.79m) >= 6 (WARN >= 3) |
Altman Z'' 1.80
| (A) 0.00 = (Total Current Assets 137.1m - Total Current Liabilities 110.0m) / Total Assets 5.99b |
| (B) 0.31 = Retained Earnings (Balance) 1.88b / Total Assets 5.99b |
| (C) 0.05 = EBIT TTM 247.7m / Avg Total Assets 5.30b |
| (D) 0.41 = Book Value of Equity 1.76b / Total Liabilities 4.26b |
| Total Rating: 1.80 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 71.69
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 9.89% = 4.94 |
| 3. FCF Margin 34.39% = 7.50 |
| 4. Debt/Equity 0.12 = 2.49 |
| 5. Debt/Ebitda 0.86 = 1.95 |
| 6. ROIC - WACC (= 2.67)% = 3.34 |
| 7. RoE 19.57% = 1.63 |
| 8. Rev. Trend -9.41% = -0.71 |
| 9. EPS Trend -19.22% = -0.96 |
What is the price of RLI shares?
Over the past week, the price has changed by -1.90%, over one month by -1.46%, over three months by -7.95% and over the past year by -11.52%.
Is RLI a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RLI is around 59.36 USD . This means that RLI is currently overvalued and has a potential downside of -9.62%.
Is RLI a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the RLI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 74.3 | 13.2% |
| Analysts Target Price | 74.3 | 13.2% |
| ValueRay Target Price | 66.3 | 1% |
Last update: 2025-09-15 04:43
RLI Fundamental Data Overview
CCE Cash And Equivalents = 21.4m USD (last quarter)
P/E Trailing = 19.1086
P/E Forward = 20.1613
P/S = 3.3808
P/B = 3.5405
P/EG = 3.82
Beta = 0.603
Revenue TTM = 1.82b USD
EBIT TTM = 247.7m USD
EBITDA TTM = 232.5m USD
Long Term Debt = 100.0m USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortTermDebt, last quarter)
Debt = 200.0m USD (Calculated: Short Term 100.0m + Long Term 100.0m)
Net Debt = 78.6m USD (from netDebt column, last quarter)
Enterprise Value = 6.32b USD (6.14b + Debt 200.0m - CCE 21.4m)
Interest Coverage Ratio = 42.75 (Ebit TTM 247.7m / Interest Expense TTM 5.79m)
FCF Yield = 9.89% (FCF TTM 624.8m / Enterprise Value 6.32b)
FCF Margin = 34.39% (FCF TTM 624.8m / Revenue TTM 1.82b)
Net Margin = 17.80% (Net Income TTM 323.4m / Revenue TTM 1.82b)
Gross Margin = 99.99% ((Revenue TTM 1.82b - Cost of Revenue TTM 198.0k) / Revenue TTM)
Tobins Q-Ratio = 3.60 (Enterprise Value 6.32b / Book Value Of Equity 1.76b)
Interest Expense / Debt = 0.68% (Interest Expense 1.35m / Debt 200.0m)
Taxrate = 19.13% (81.8m / 427.6m)
NOPAT = 200.3m (EBIT 247.7m * (1 - 19.13%))
Current Ratio = 1.25 (Total Current Assets 137.1m / Total Current Liabilities 110.0m)
Debt / Equity = 0.12 (Debt 200.0m / last Quarter total Stockholder Equity 1.73b)
Debt / EBITDA = 0.86 (Net Debt 78.6m / EBITDA 232.5m)
Debt / FCF = 0.32 (Debt 200.0m / FCF TTM 624.8m)
Total Stockholder Equity = 1.65b (last 4 quarters mean)
RoA = 5.40% (Net Income 323.4m, Total Assets 5.99b )
RoE = 19.57% (Net Income TTM 323.4m / Total Stockholder Equity 1.65b)
RoCE = 14.13% (Ebit 247.7m / (Equity 1.65b + L.T.Debt 100.0m))
RoIC = 11.43% (NOPAT 200.3m / Invested Capital 1.75b)
WACC = 8.76% (E(6.14b)/V(6.34b) * Re(9.03%)) + (D(200.0m)/V(6.34b) * Rd(0.68%) * (1-Tc(0.19)))
Shares Correlation 3-Years: 96.97 | Cagr: 0.10%
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.24% ; FCFE base≈545.5m ; Y1≈670.4m ; Y5≈1.13b
Fair Price DCF = 174.9 (DCF Value 16.06b / Shares Outstanding 91.8m; 5y FCF grow 24.49% → 3.0% )
EPS Correlation: -19.22 | EPS CAGR: 20.76% | SUE: 0.28 | # QB: 0
Revenue Correlation: -9.41 | Revenue CAGR: -17.89% | SUE: 1.17 | # QB: 1
Additional Sources for RLI Stock
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Fund Manager Positions: Dataroma | Stockcircle