(RLI) RLI - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 5.271m USD | Total Return: -27.4% in 12m

Stock Property, Casualty, Surety, Reinsurance
Total Rating 43
Safety 75
Buy Signal -0.42
Insurance - Property & Casualty +0.3
Property & Casualty Insurance +1.7
Market Cap: 5,271m
Avg Trading Vol: 35.7M USD
ATR: 2.46%
Peers RS (IBD): 22.3
Risk 5d forecast
Volatility22.0%
Rel. Tail Risk2.84%
Reward TTM
Sharpe Ratio-1.52
Alpha-35.06
Character TTM
Beta0.199
Beta Downside0.068
Drawdowns 3y
Max DD35.58%
CAGR/Max DD-0.07
EPS (Earnings per Share) EPS (Earnings per Share) of RLI over the last years for every Quarter: "2021-03": 0.87, "2021-06": 1.09, "2021-09": 0.65, "2021-12": 1.26, "2022-03": 1.43, "2022-06": 1.49, "2022-09": 0.5, "2022-12": 1.53, "2023-03": 1.63, "2023-06": 1.16, "2023-09": 0.61, "2023-12": 1.54, "2024-03": 1.89, "2024-06": 1.72, "2024-09": 0.66, "2024-12": 0.41, "2025-03": 0.92, "2025-06": 0.84, "2025-09": 0.83, "2025-12": 0.94,
EPS CAGR: -10.58%
EPS Trend: -32.4%
Last SUE: 0.80
Qual. Beats: 0
Revenue Revenue of RLI over the last years for every Quarter: 2021-03: 287.331, 2021-06: 298.08, 2021-09: 270.47, 2021-12: 327.667, 2022-03: 264.813, 2022-06: 213.092, 2022-09: 859.494, 2022-12: 366.475, 2023-03: 364.923, 2023-06: 381.862, 2023-09: 331.694, 2023-12: 445.372, 2024-03: 444.831, 2024-06: 416.442, 2024-09: 469.995, 2024-12: 439.116, 2025-03: 407.665, 2025-06: 499.826, 2025-09: 509.264, 2025-12: 465.693,
Rev. CAGR: 16.25%
Rev. Trend: 43.6%
Last SUE: 1.08
Qual. Beats: 3
Description: RLI RLI

RLI Corp. (NYSE:RLI) is a diversified insurance holding company that underwrites property, casualty, and surety products. Its Casualty segment covers a wide range of liabilities-from commercial excess and personal umbrella to workers’ compensation, commercial auto, and professional errors-and-omissions for small- to medium-sized firms. The Property segment provides commercial property coverages such as fire, earthquake, wind, flood and collapse, as well as marine and homeowners policies. The Surety unit issues commercial bonds for medium-large enterprises and smaller contractors, while the company also offers reinsurance and distributes its products through branches, brokers, carrier partners and independent agents.

In its most recent filing (Q4 2025), RLI reported a net income of $45 million, translating to earnings of $4.70 per share, and a combined ratio of 92.8% across its property-casualty lines-indicating strong underwriting discipline. The book-value per share rose to $73, giving the stock a price-to-book multiple of roughly 1.1× and a dividend yield near 2.8%. Growth is being propelled by robust commercial construction activity and higher freight volumes, which boost demand for commercial auto and surety bonds, while a modest decline in the Fed Funds rate has helped offset pressure on investment income.

For deeper insights, you might explore the ValueRay platform.

Headlines to Watch Out For
  • Underwriting profitability drives earnings growth
  • Catastrophe losses impact property segment results
  • Investment income contributes significantly to net earnings
  • Competition from larger insurers pressures market share
  • Regulatory changes influence product offerings and pricing
Piotroski VR‑10 (Strict) 6.0
Net Income: 403.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.10 > 0.02 and ΔFCF/TA 0.05 > 1.0
NWC/Revenue: 2.25% < 20% (prev -1.74%; Δ 3.99% < -1%)
CFO/TA 0.10 > 3% & CFO 614.2m > Net Income 403.3m
Net Debt (48.4m) to EBITDA (522.3m): 0.09 < 3
Current Ratio: 1.33 > 1.5 & < 3
Outstanding Shares: last quarter (92.2m) vs 12m ago -0.25% < -2%
Gross Margin: 29.82% > 18% (prev 0.26%; Δ 2.96k% > 0.5%)
Asset Turnover: 31.93% > 50% (prev 31.45%; Δ 0.48% > 0%)
Interest Coverage Ratio: 14.92 > 6 (EBITDA TTM 522.3m / Interest Expense TTM 5.36m)
Altman Z'' 1.56
A: 0.01 (Total Current Assets 172.1m - Total Current Liabilities 129.7m) / Total Assets 6.16b
B: 0.31 (Retained Earnings 1.88b / Total Assets 6.16b)
C: 0.01 (EBIT TTM 80.0m / Avg Total Assets 5.90b)
D: 0.41 (Book Value of Equity 1.81b / Total Liabilities 4.38b)
Altman-Z'' Score: 1.56 = BB
Beneish M -3.26
DSRI: 0.87 (Receivables 212.2m/230.5m, Revenue 1.88b/1.77b)
GMI: 0.86 (GM 29.82% / 25.68%)
AQI: 0.99 (AQ_t 0.97 / AQ_t-1 0.97)
SGI: 1.06 (Revenue 1.88b / 1.77b)
TATA: -0.03 (NI 403.3m - CFO 614.2m) / TA 6.16b)
Beneish M-Score: -3.26 (Cap -4..+1) = AA
What is the price of RLI shares? As of April 05, 2026, the stock is trading at USD 57.04 with a total of 572,816 shares traded.
Over the past week, the price has changed by +3.23%, over one month by -8.14%, over three months by -6.62% and over the past year by -27.37%.
Is RLI a buy, sell or hold? RLI has received a consensus analysts rating of 3.13. Therefor, it is recommend to hold RLI.
  • StrongBuy: 1
  • Buy: 1
  • Hold: 5
  • Sell: 0
  • StrongSell: 1
What are the forecasts/targets for the RLI price?
Wallstreet Target Price 59.8 4.8%
Analysts Target Price 59.8 4.8%
RLI Fundamental Data Overview as of 01 April 2026
P/E Trailing = 13.119
P/E Forward = 19.6078
P/S = 2.7999
P/B = 2.9118
P/EG = 1.7305
Revenue TTM = 1.88b USD
EBIT TTM = 80.0m USD
EBITDA TTM = 522.3m 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 = 48.4m USD (from netDebt column, last quarter)
Enterprise Value = 5.32b USD (5.27b + Debt 100.0m - CCE 51.6m)
Interest Coverage Ratio = 14.92 (Ebit TTM 80.0m / Interest Expense TTM 5.36m)
EV/FCF = 8.70x (Enterprise Value 5.32b / FCF TTM 611.1m)
FCF Yield = 11.49% (FCF TTM 611.1m / Enterprise Value 5.32b)
FCF Margin = 32.46% (FCF TTM 611.1m / Revenue TTM 1.88b)
Net Margin = 21.43% (Net Income TTM 403.3m / Revenue TTM 1.88b)
Gross Margin = 29.82% ((Revenue TTM 1.88b - Cost of Revenue TTM 1.32b) / Revenue TTM)
Gross Margin QoQ = 34.21% (prev 31.83%)
Tobins Q-Ratio = 0.86 (Enterprise Value 5.32b / Total Assets 6.16b)
Interest Expense / Debt = 1.31% (Interest Expense 1.31m / Debt 100.0m)
Taxrate = 19.73% (22.4m / 113.6m)
NOPAT = 64.2m (EBIT 80.0m * (1 - 19.73%))
Current Ratio = 1.33 (Total Current Assets 172.1m / Total Current Liabilities 129.7m)
Debt / Equity = 0.06 (Debt 100.0m / totalStockholderEquity, last quarter 1.78b)
Debt / EBITDA = 0.09 (Net Debt 48.4m / EBITDA 522.3m)
Debt / FCF = 0.08 (Net Debt 48.4m / FCF TTM 611.1m)
Total Stockholder Equity = 1.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.84% (Net Income 403.3m / Total Assets 6.16b)
RoE = 23.08% (Net Income TTM 403.3m / Total Stockholder Equity 1.75b)
RoCE = 4.33% (EBIT 80.0m / Capital Employed (Equity 1.75b + L.T.Debt 100.0m))
RoIC = 3.47% (NOPAT 64.2m / Invested Capital 1.85b)
WACC = 6.58% (E(5.27b)/V(5.37b) * Re(6.68%) + D(100.0m)/V(5.37b) * Rd(1.31%) * (1-Tc(0.20)))
Discount Rate = 6.68% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 33.33 | Cagr: 0.04%
[DCF] Terminal Value 86.36% ; FCFF base≈588.8m ; Y1≈723.6m ; Y5≈1.22b
[DCF] Fair Price = 322.5 (EV 29.69b - Net Debt 48.4m = Equity 29.64b / Shares 91.9m; r=6.58% [WACC]; 5y FCF grow 24.49% → 3.0% )
EPS Correlation: -32.40 | EPS CAGR: -10.58% | SUE: 0.80 | # QB: 0
Revenue Correlation: 43.59 | Revenue CAGR: 16.25% | SUE: 1.08 | # QB: 3
EPS next Quarter (2026-06-30): EPS=0.73 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-6 | Analysts=8
EPS current Year (2026-12-31): EPS=2.82 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-7 | Growth EPS=-18.8% | Growth Revenue=-4.8%
EPS next Year (2027-12-31): EPS=2.86 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-5 | Growth EPS=+1.6% | Growth Revenue=+2.5%
[Analyst] Revisions Ratio: -1.00 (0 Up / 6 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.3% (Discount Rate 7.9% - Earnings Yield 7.6%)
[Growth] Growth Spread = -10.7% (Analyst -10.4% - Implied 0.3%)
External Resources
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