RLI CORP (RLI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:RLI • US7496071074

62.05 USD
+1.75 (+2.9%)
At close: Feb 10, 2026
58.5601 USD
-3.49 (-5.62%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall RLI gets a fundamental rating of 5 out of 10. We evaluated RLI against 149 industry peers in the Insurance industry. While RLI has a great profitability rating, there are some minor concerns on its financial health. While showing a medium growth rate, RLI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • RLI had positive earnings in the past year.
  • RLI had positive earnings in each of the past 5 years.
  • RLI had a positive operating cash flow in 4 of the past 5 years.
RLI Yearly Net Income VS EBIT VS OCF VS FCFRLI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • The Return On Assets of RLI (6.55%) is better than 89.26% of its industry peers.
  • Looking at the Return On Equity, with a value of 22.68%, RLI belongs to the top of the industry, outperforming 89.93% of the companies in the same industry.
  • RLI's Return On Invested Capital of 6.97% is amongst the best of the industry. RLI outperforms 86.58% of its industry peers.
  • RLI had an Average Return On Invested Capital over the past 3 years of 6.53%. This is significantly below the industry average of 14.88%.
  • The 3 year average ROIC (6.53%) for RLI is below the current ROIC(6.97%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.55%
ROE 22.68%
ROIC 6.97%
ROA(3y)6.19%
ROA(5y)7.4%
ROE(3y)22.32%
ROE(5y)27.85%
ROIC(3y)6.53%
ROIC(5y)7.66%
RLI Yearly ROA, ROE, ROICRLI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • The Profit Margin of RLI (21.43%) is better than 91.28% of its industry peers.
  • In the last couple of years the Profit Margin of RLI has grown nicely.
  • RLI's Operating Margin of 27.37% is amongst the best of the industry. RLI outperforms 88.59% of its industry peers.
  • RLI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 27.37%
PM (TTM) 21.43%
GM N/A
OM growth 3Y-13.53%
OM growth 5Y8.72%
PM growth 3Y-14.57%
PM growth 5Y6.05%
GM growth 3YN/A
GM growth 5YN/A
RLI Yearly Profit, Operating, Gross MarginsRLI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • RLI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for RLI remains at a similar level compared to 1 year ago.
  • RLI has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RLI has been reduced compared to a year ago.
RLI Yearly Shares OutstandingRLI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
RLI Yearly Total Debt VS Total AssetsRLI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • There is no outstanding debt for RLI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.79
WACC8.78%
RLI Yearly LT Debt VS Equity VS FCFRLI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RLI Yearly Current Assets VS Current LiabilitesRLI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.00% over the past year.
  • Measured over the past years, RLI shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.11% on average per year.
  • RLI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.12%.
  • RLI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.86% yearly.
EPS 1Y (TTM)23%
EPS 3Y12.56%
EPS 5Y22.11%
EPS Q2Q%129.27%
Revenue 1Y (TTM)9.12%
Revenue growth 3Y3.5%
Revenue growth 5Y13.86%
Sales Q2Q%-1.58%

3.2 Future

  • The Earnings Per Share is expected to decrease by -4.97% on average over the next years.
  • The Revenue is expected to grow by 3.33% on average over the next years.
EPS Next Y-18.7%
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%
EPS Next 5YN/A
Revenue Next Year1.09%
Revenue Next 2Y2.12%
Revenue Next 3Y3.33%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RLI Yearly Revenue VS EstimatesRLI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
RLI Yearly EPS VS EstimatesRLI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • RLI is valuated rather expensively with a Price/Earnings ratio of 17.58.
  • RLI's Price/Earnings ratio is a bit more expensive when compared to the industry. RLI is more expensive than 63.76% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, RLI is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 21.62, the valuation of RLI can be described as rather expensive.
  • 73.15% of the companies in the same industry are cheaper than RLI, based on the Price/Forward Earnings ratio.
  • RLI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.58
Fwd PE 21.62
RLI Price Earnings VS Forward Price EarningsRLI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RLI Per share dataRLI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The decent profitability rating of RLI may justify a higher PE ratio.
  • RLI's earnings are expected to decrease with -4.97% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • RLI has a Yearly Dividend Yield of 1.03%.
  • Compared to an average industry Dividend Yield of 2.24, RLI has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, RLI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.03%

5.2 History

  • On average, the dividend of RLI grows each year by 12.36%, which is quite nice.
  • RLI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of RLI decreased recently.
Dividend Growth(5Y)12.36%
Div Incr Years1
Div Non Decr Years1
RLI Yearly Dividends per shareRLI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%
RLI Yearly Income VS Free CF VS DividendRLI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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Find the best dividend stocksShow peers with best dividend

RLI CORP

NYSE:RLI (2/10/2026, 8:04:00 PM)

After market: 58.5601 -3.49 (-5.62%)

62.05

+1.75 (+2.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners84.27%
Inst Owner Change0.05%
Ins Owners0.72%
Ins Owner Change0.74%
Market Cap5.70B
Revenue(TTM)1.88B
Net Income(TTM)403.34M
Analysts50.67
Price Target60.95 (-1.77%)
Short Float %3.08%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 1.03%
Yearly Dividend3.43
Dividend Growth(5Y)12.36%
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.96%
Min EPS beat(2)14.67%
Max EPS beat(2)15.26%
EPS beat(4)4
Avg EPS beat(4)11.24%
Min EPS beat(4)7.02%
Max EPS beat(4)15.26%
EPS beat(8)7
Avg EPS beat(8)12.56%
EPS beat(12)10
Avg EPS beat(12)61.78%
EPS beat(16)13
Avg EPS beat(16)52.68%
Revenue beat(2)0
Avg Revenue beat(2)-5.16%
Min Revenue beat(2)-5.42%
Max Revenue beat(2)-4.89%
Revenue beat(4)0
Avg Revenue beat(4)-3.73%
Min Revenue beat(4)-5.42%
Max Revenue beat(4)-1.84%
Revenue beat(8)3
Avg Revenue beat(8)-1.77%
Revenue beat(12)5
Avg Revenue beat(12)-1.23%
Revenue beat(16)8
Avg Revenue beat(16)8.65%
PT rev (1m)-10.15%
PT rev (3m)-9.81%
EPS NQ rev (1m)-6%
EPS NQ rev (3m)-6.08%
EPS NY rev (1m)-7.32%
EPS NY rev (3m)-7.48%
Revenue NQ rev (1m)-6.46%
Revenue NQ rev (3m)-4.53%
Revenue NY rev (1m)-4.94%
Revenue NY rev (3m)-3.68%
Valuation
Industry RankSector Rank
PE 17.58
Fwd PE 21.62
P/S 3.03
P/FCF N/A
P/OCF N/A
P/B 3.2
P/tB 3.3
EV/EBITDA N/A
EPS(TTM)3.53
EY5.69%
EPS(NY)2.87
Fwd EY4.63%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS20.5
BVpS19.36
TBVpS18.78
PEG (NY)N/A
PEG (5Y)0.79
Graham Number39.22
Profitability
Industry RankSector Rank
ROA 6.55%
ROE 22.68%
ROCE 8.68%
ROIC 6.97%
ROICexc 7.03%
ROICexgc 8.51%
OM 27.37%
PM (TTM) 21.43%
GM N/A
FCFM N/A
ROA(3y)6.19%
ROA(5y)7.4%
ROE(3y)22.32%
ROE(5y)27.85%
ROIC(3y)6.53%
ROIC(5y)7.66%
ROICexc(3y)6.58%
ROICexc(5y)7.73%
ROICexgc(3y)8.11%
ROICexgc(5y)9.7%
ROCE(3y)8.13%
ROCE(5y)9.54%
ROICexgc growth 3Y-20.42%
ROICexgc growth 5Y13.42%
ROICexc growth 3Y-18.54%
ROICexc growth 5Y13.33%
OM growth 3Y-13.53%
OM growth 5Y8.72%
PM growth 3Y-14.57%
PM growth 5Y6.05%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC8.78%
ROIC/WACC0.79
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23%
EPS 3Y12.56%
EPS 5Y22.11%
EPS Q2Q%129.27%
EPS Next Y-18.7%
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%
EPS Next 5YN/A
Revenue 1Y (TTM)9.12%
Revenue growth 3Y3.5%
Revenue growth 5Y13.86%
Sales Q2Q%-1.58%
Revenue Next Year1.09%
Revenue Next 2Y2.12%
Revenue Next 3Y3.33%
Revenue Next 5YN/A
EBIT growth 1Y30.96%
EBIT growth 3Y-10.51%
EBIT growth 5Y23.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

RLI CORP / RLI FAQ

Can you provide the ChartMill fundamental rating for RLI CORP?

ChartMill assigns a fundamental rating of 5 / 10 to RLI.


What is the valuation status of RLI CORP (RLI) stock?

ChartMill assigns a valuation rating of 2 / 10 to RLI CORP (RLI). This can be considered as Overvalued.


What is the profitability of RLI stock?

RLI CORP (RLI) has a profitability rating of 7 / 10.


How financially healthy is RLI CORP?

The financial health rating of RLI CORP (RLI) is 4 / 10.


How sustainable is the dividend of RLI CORP (RLI) stock?

The dividend rating of RLI CORP (RLI) is 3 / 10 and the dividend payout ratio is 0%.