RLI Stock Analysis: RLI | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 5.156m USD | 12M Return: -12.9% | US7496071074 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 42.9M
EPS Trend: 86.0%
Qual. Beats: 1
Rev. Trend: 95.8%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. is a specialty insurance holding company organized into three underwriting segments-Casualty, Property, and Surety-offering niche coverages such as commercial excess, professional liability, marine, environmental, and surety bonds for medium and large businesses as well as small contractors and individuals. The company distributes through branch offices and a multi-channel network of wholesale and retail brokers, carrier partners, and underwriting and independent agents, a structure typical of specialty P&C insurers that rely on delegated authority and broker relationships rather than direct-to-consumer sales.
Founded in 1965 and headquartered in Peoria, Illinois, RLI trades on the NYSE and sits in the Property & Casualty Insurance sub-industry within Financials. Specialty P&C carriers like RLI generally differentiate through focused underwriting in underserved or complex risk classes, accepting higher premium volatility in exchange for specialized expertise and pricing discipline.
- Catastrophe losses pressure property segment combined ratio
- Casualty segment margin expansion drives underwriting profit
- Investment income surges on higher interest rates
| 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 (577.4m): 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: 60.14 > 6 (EBIT TTM 569.3m / 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 569.3m / Avg Total Assets 6.20b) |
| D: 0.38 (Book Value of Equity 1.75b / Total Liabilities 4.66b) |
| Altman-Z'' = 1.27 = 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 October 09, 2026, the stock is trading at USD 56.30 with a total of 1,408,368 shares traded. Over the past week, the price has changed by +0.21%, over one month by -7.92%, over three months by -6.99% and over the past year by -12.86%.
Current recommended Stop Loss: 53.20 (which is 5.5% or 2.4 ATR below the current price).
RLI has received a consensus analysts rating of 2.63. Therefore, it is recommended to hold RLI.
- StrongBuy: 0
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 60.5 | 7.5% |
P/E Trailing = 11.8025
P/E Forward = 20.5339
P/S = 2.6113
P/B = 2.9777
P/EG = 1.7305
Revenue TTM = 1.97b USD
EBIT TTM = 569.3m USD
EBITDA TTM = 577.4m 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 = 5.21b USD (5.16b + Debt 297.0m - CCE 238.2m)
Interest Coverage Ratio = 60.14 (Ebit TTM 569.3m / Interest Expense TTM 9.47m)
EV/FCF = 10.09x (Enterprise Value 5.21b / FCF TTM 517.0m)
FCF Yield = 9.91% (FCF TTM 517.0m / Enterprise Value 5.21b)
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 = 0.81 (Enterprise Value 5.21b / Total Assets 6.41b)
Interest Expense / Debt = 3.19% (Interest Expense 9.47m / Debt 297.0m)
Taxrate = 20.07% (110.2m / 548.9m)
NOPAT = 455.0m (EBIT 569.3m * (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 577.4m)
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 = 27.15% (EBIT 569.3m / Capital Employed (Equity 1.80b + L.T.Debt 297.0m))
RoIC = 8.92% (NOPAT 455.0m / Invested Capital 5.10b)
WACC = 4.79% (E(5.16b)/V(5.45b) * Re(4.92%) + D(297.0m)/V(5.45b) * 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=+0.50% | Revisions=-22% | Analysts=8
EPS current Year (2026-12-31): EPS=2.84 | Chg30d=+2.25% | Revisions=+70% | GrowthEPS=-18.1% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=2.70 | Chg30d=-0.27% | Revisions=-50% | GrowthEPS=-5.2% | GrowthRev=+1.6%
[Analyst] Revisions Ratio: +0% (up=10, down=10)