RLI Stock Analysis: RLI | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 5.852m USD | 12M Return: -0.4% | US7496071074 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.8M
EPS Trend: 86.0%
Qual. Beats: 1
Rev. Trend: 95.8%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
RLI Corp. (NYSE: RLI) is a U.S.-based insurance holding company operating through three underwriting segments: Casualty, Property, and Surety, along with a reinsurance offering. The Casualty segment covers commercial and personal liability, commercial automobile, professional liability, workers compensation, and miscellaneous specialty risks; the Property segment writes commercial and personal property, marine, and homeowners coverage; and the Surety segment issues commercial and small contractor bonds, as well as bonds for individuals and small businesses. The company was incorporated in 1965, is headquartered in Peoria, Illinois, and trades as a mid-cap stock (approximately $4.9 billion market capitalization) within the Financials sector, specifically the Property & Casualty Insurance sub-industry.
RLI distributes its products through branch offices, wholesale and retail brokers, carrier partners, and underwriting and independent agents. As a specialty P&C insurer, it focuses on niche and excess-and-surplus lines across multiple coverage types rather than competing directly with large national carriers in standard personal auto or homeowners markets, a common strategy among mid-cap specialty underwriters seeking diversified premium across uncorrelated risk categories.
- Specialty Casualty underwriting margins drive consistent underwriting profit
- Catastrophe losses and reinsurance costs pressure Property combined ratio
- Rising interest rates boost investment income on insurance float
| Net Income: 438.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -2.33 > 1.0 |
| NWC/Revenue: -34.78% < 20% (prev -88.23%; Δ 53.45% < -1%) |
| CFO/TA 0.08 > 3% & CFO 524.0m > Net Income 438.7m |
| Net Debt (58.7m) to EBITDA (569.3m): 0.10 < 3 |
| Current Ratio: 0.48 > 1.5 & < 3 |
| Outstanding Shares: last quarter (92.2m) vs 12m ago -0.39% < -2% |
| Gross Margin: 47.49% > 18% (prev 23.42%; Δ 24.08% > 0.5%) |
| Asset Turnover: 31.84% > 50% (prev 30.32%; Δ 1.51% > 0%) |
| Interest Coverage Ratio: 59.27 > 6 (EBIT TTM 561.2m / Interest Expense TTM 9.47m) |
| A: -0.11 (Total Current Assets 627.6m - Total Current Liabilities 1.31b) / Total Assets 6.41b |
| B: 0.29 (Retained Earnings 1.89b / Total Assets 6.41b) |
| C: 0.09 (EBIT TTM 561.2m / Avg Total Assets 6.20b) |
| D: 0.38 (Book Value of Equity 1.75b / Total Liabilities 4.66b) |
| Altman-Z'' = 1.26 = BB |
| DSRI: 0.23 (Receivables 267.0m/1.05b, Revenue 1.97b/1.82b) |
| GMI: 0.49 (GM 23.42% / 47.49%) |
| AQI: 1.50 (AQ_t 0.90 / AQ_t-1 0.60) |
| SGI: 1.09 (Revenue 1.97b / 1.82b) |
| TATA: -0.01 (NI 438.7m - CFO 524.0m) / TA 6.41b) |
| Beneish M = -3.76 (Cap -4..+1) = AAA |
As of August 25, 2026, the stock is trading at USD 66.62 with a total of 559,722 shares traded. Over the past week, the price has changed by +6.73%, over one month by +7.59%, over three months by +27.80% and over the past year by -0.39%.
Current recommended Stop Loss: 64.10 (which is 3.8% or 1.5 ATR below the current price).
RLI has received a consensus analysts rating of 3.13. Therefore, it is recommended to hold RLI.
- StrongBuy: 0
- Buy: 1
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 60.5 | -9.2% |
P/E Trailing = 13.3971
P/E Forward = 22.5225
P/S = 2.9641
P/B = 3.3402
P/EG = 1.7305
Revenue TTM = 1.97b USD
EBIT TTM = 561.2m USD
EBITDA TTM = 569.3m USD
Long Term Debt = 297.0m USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortTermDebt, last fiscal year)
Debt = 297.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 58.7m USD (calculated: Debt 297.0m - CCE 238.2m)
Enterprise Value = 5.91b USD (5.85b + Debt 297.0m - CCE 238.2m)
Interest Coverage Ratio = 59.27 (Ebit TTM 561.2m / Interest Expense TTM 9.47m)
EV/FCF = 11.43x (Enterprise Value 5.91b / FCF TTM 517.0m)
FCF Yield = 8.75% (FCF TTM 517.0m / Enterprise Value 5.91b)
FCF Margin = 26.19% (FCF TTM 517.0m / Revenue TTM 1.97b)
Net Margin = 22.22% (Net Income TTM 438.7m / Revenue TTM 1.97b)
Gross Margin = 47.49% ((Revenue TTM 1.97b - Cost of Revenue TTM 1.04b) / Revenue TTM)
Gross Margin QoQ = 67.01% (prev 54.41%)
Tobins Q-Ratio = 0.92 (Enterprise Value 5.91b / Total Assets 6.41b)
Interest Expense / Debt = 3.19% (Interest Expense 9.47m / Debt 297.0m)
Taxrate = 20.07% (110.2m / 548.9m)
NOPAT = 448.5m (EBIT 561.2m * (1 - 20.07%))
Current Ratio = 0.48 (Total Current Assets 627.6m / Total Current Liabilities 1.31b)
Debt / Equity = 0.17 (Debt 297.0m / totalStockholderEquity, last quarter 1.75b)
Debt / EBITDA = 0.10 (Net Debt 58.7m / EBITDA 569.3m)
Debt / FCF = 0.11 (Net Debt 58.7m / FCF TTM 517.0m)
Total Stockholder Equity = 1.80b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.07% (Net Income 438.7m / Total Assets 6.41b)
RoE = 24.37% (Net Income TTM 438.7m / Total Stockholder Equity 1.80b)
RoCE = 26.76% (EBIT 561.2m / Capital Employed (Equity 1.80b + L.T.Debt 297.0m))
RoIC = 8.79% (NOPAT 448.5m / Invested Capital 5.10b)
WACC = 4.81% (E(5.85b)/V(6.15b) * Re(4.92%) + D(297.0m)/V(6.15b) * Rd(3.19%) * (1-Tc(0.20)))
Discount Rate = 4.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -58.06 | Cagr: -0.08%
[DCF] Terminal Value 73.10% ; FCFF base≈559.2m ; Y1≈490.4m ; Y5≈396.2m
[DCF] Fair Price = 68.66 (EV 6.36b - Net Debt 58.7m = Equity 6.30b / Shares 91.8m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 85.97 | EPS CAGR: 12.46% | SUE: 1.25 | # QB: 1
Revenue Correlation: 95.79 | Revenue CAGR: 10.60% | SUE: 2.66 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.50 | Chg30d=-2.89% | Revisions=-22% | Analysts=8
EPS current Year (2026-12-31): EPS=2.84 | Chg30d=+4.17% | Revisions=+70% | GrowthEPS=-18.1% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=2.70 | Chg30d=-2.93% | Revisions=-50% | GrowthEPS=-5.2% | GrowthRev=+1.6%
[Analyst] Revisions Ratio: +0% (up=10, down=10)