Overview Dividends

(RLI) RLI - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7496071074

Property Insurance, Casualty Insurance, Surety Bonds

RLI EPS (Earnings per Share)

EPS Growth (3Y CAGR): -19.94%
EPS Trend (3Y Correlation): -49.1%

RLI Revenue

Revenue Growth (3Y CAGR): 13.38%
Revenue Trend (3Y Correlation): 82.1%

Description: RLI RLI July 28, 2025

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	5,415m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1985-08-15

RLI Stock Ratings

Growth Rating	-15.1%
Fundamental	72.3%
Dividend Rating	73.9%
Return 12m vs S&P 500	-36.7%
Analyst Rating	3.13 of 5

RLI Dividends

Dividend Yield 12m	3.26%
Yield on Cost 5y	4.83%
Annual Growth 5y	50.32%
Payout Consistency	94.6%
Payout Ratio	82.3%

RLI Growth Ratios

Growth Correlation 3m	-87.9%
Growth Correlation 12m	-90.5%
Growth Correlation 5y	89.1%
CAGR 5y	0.64%
CAGR/Max DD 3y (Calmar Ratio)	0.02
CAGR/Mean DD 3y (Pain Ratio)	0.07
Sharpe Ratio 12m	0.00
Alpha	-34.42
Beta	0.556
Volatility	26.50%
Current Volume	786.3k
Average Volume 20d	611.5k
Stop Loss	57.1 (-3.2%)
Signal	0.49

Piotroski VR‑10 (Strict, 0-10) 7.5

Net Income (353.0m TTM) > 0 and > 6% of Revenue (6% = 111.4m TTM)

FCFTA 0.09 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 5.85% (prev 35.23%; Δ -29.38pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.09 (>3.0%) and CFO 585.5m > Net Income 353.0m (YES >=105%, WARN >=100%)

Net Debt (47.4m) to EBITDA (427.7m) ratio: 0.11 <= 3.0 (WARN <= 3.5)

Current Ratio 1.99 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (92.3m) change vs 12m ago -0.14% (target <= -2.0% for YES)

Gross Margin 99.99% (prev 66.45%; Δ 33.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 30.83% (prev 30.47%; Δ 0.36pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 23.26 (EBITDA TTM 427.7m / Interest Expense TTM 5.54m) >= 6 (WARN >= 3)

Altman Z'' 1.18

(A) 0.02 = (Total Current Assets 218.3m - Total Current Liabilities 109.8m) / Total Assets 6.25b

(B) 0.28 = Retained Earnings (Balance) 1.72b / Total Assets 6.25b

(D) 0.02 = Book Value of Equity 91.8m / Total Liabilities 4.37b

Total Rating: 1.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 72.25

1. Piotroski 7.50pt = 2.50

2. FCF Yield 11.05% = 5.0

3. FCF Margin 31.52% = 7.50

4. Debt/Equity 0.02 = 2.50

5. Debt/Ebitda 0.11 = 2.49

6. ROIC - WACC (= -2.00)% = -2.50

7. RoE 12.71% = 1.06

8. Rev. Trend 82.07% = 6.16

9. EPS Trend -49.15% = -2.46

What is the price of RLI shares?

As of November 03, 2025, the stock is trading at USD 58.96 with a total of 786,300 shares traded.
Over the past week, the price has changed by -3.42%, over one month by -7.11%, over three months by -11.53% and over the past year by -23.31%.

Is RLI a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, RLI (NYSE:RLI) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 72.25 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RLI is around 50.00 USD . This means that RLI is currently overvalued and has a potential downside of -15.2%.

Is RLI a buy, sell or hold?

RLI has received a consensus analysts rating of 3.13. Therefor, it is recommend to hold RLI.

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	66.3	12.4%
Analysts Target Price	66.3	12.4%
ValueRay Target Price	55.5	-5.9%

RLI Fundamental Data Overview November 03, 2025

Market Cap USD = 5.41b (5.41b USD * 1.0 USD.USD)
P/E Trailing = 15.4346
P/E Forward = 19.1571
P/S = 2.9176
P/B = 3.36
P/EG = 3.82
Beta = 0.556
Revenue TTM = 1.86b USD
EBIT TTM = 128.9m USD
EBITDA TTM = 427.7m USD
Long Term Debt = 100.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 100.0m USD (from shortTermDebt, last quarter)
Debt = 100.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 47.4m USD (from netDebt column, last quarter)
Enterprise Value = 5.30b USD (5.41b + Debt 100.0m - CCE 218.3m)
Interest Coverage Ratio = 23.26 (Ebit TTM 128.9m / Interest Expense TTM 5.54m)
FCF Yield = 11.05% (FCF TTM 585.0m / Enterprise Value 5.30b)
FCF Margin = 31.52% (FCF TTM 585.0m / Revenue TTM 1.86b)
Net Margin = 19.02% (Net Income TTM 353.0m / Revenue TTM 1.86b)
Gross Margin = 99.99% ((Revenue TTM 1.86b - Cost of Revenue TTM 198.0k) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.85 (Enterprise Value 5.30b / Total Assets 6.25b)
Interest Expense / Debt = 1.36% (Interest Expense 1.36m / Debt 100.0m)
Taxrate = 20.75% (32.6m / 157.2m)
NOPAT = 102.1m (EBIT 128.9m * (1 - 20.75%))
Current Ratio = 1.99 (Total Current Assets 218.3m / Total Current Liabilities 109.8m)
Debt / Equity = 0.02 (Debt 100.0m / totalStockholderEquity, last quarter 6.25b)
Debt / EBITDA = 0.11 (Net Debt 47.4m / EBITDA 427.7m)
Debt / FCF = 0.08 (Net Debt 47.4m / FCF TTM 585.0m)
Total Stockholder Equity = 2.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.65% (Net Income 353.0m / Total Assets 6.25b)
RoE = 12.71% (Net Income TTM 353.0m / Total Stockholder Equity 2.78b)
RoCE = 4.48% (EBIT 128.9m / Capital Employed (Equity 2.78b + L.T.Debt 100.0m))
RoIC = 5.94% (NOPAT 102.1m / Invested Capital 1.72b)
WACC = 7.93% (E(5.41b)/V(5.51b) * Re(8.06%) + D(100.0m)/V(5.51b) * Rd(1.36%) * (1-Tc(0.21)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.09%
[DCF Debug] Terminal Value 81.34% ; FCFE base≈570.8m ; Y1≈701.5m ; Y5≈1.19b
Fair Price DCF = 219.4 (DCF Value 20.15b / Shares Outstanding 91.8m; 5y FCF grow 24.49% → 3.0% )
EPS Correlation: -49.15 | EPS CAGR: -19.94% | SUE: 1.36 | # QB: 1
Revenue Correlation: 82.07 | Revenue CAGR: 13.38% | SUE: 1.22 | # QB: 2

Additional Sources for RLI Stock

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Fund Manager Positions: Dataroma | Stockcircle