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RLI CORP (RLI) Stock Fundamental Analysis

USA - NYSE:RLI - US7496071074 - Common Stock

58.43 USD
-0.87 (-1.47%)
Last: 10/29/2025, 8:04:00 PM
58.43 USD
0 (0%)
After Hours: 10/29/2025, 8:04:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to RLI. RLI was compared to 147 industry peers in the Insurance industry. While RLI has a great profitability rating, there are some minor concerns on its financial health. RLI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

In the past year RLI was profitable.
RLI had positive earnings in each of the past 5 years.
Each year in the past 5 years RLI had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

RLI has a Return On Assets of 5.40%. This is amongst the best in the industry. RLI outperforms 87.76% of its industry peers.
With an excellent Return On Equity value of 18.65%, RLI belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
RLI has a Return On Invested Capital of 5.73%. This is amongst the best in the industry. RLI outperforms 84.35% of its industry peers.
RLI had an Average Return On Invested Capital over the past 3 years of 8.57%. This is above the industry average of 4.49%.
Industry RankSector Rank
ROA 5.4%
ROE 18.65%
ROIC 5.73%
ROA(3y)8.09%
ROA(5y)6.89%
ROE(3y)31.27%
ROE(5y)26.07%
ROIC(3y)8.57%
ROIC(5y)7.05%
RLI Yearly ROA, ROE, ROICRLI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

1.3 Margins

RLI has a Profit Margin of 17.80%. This is amongst the best in the industry. RLI outperforms 87.76% of its industry peers.
RLI's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 22.62%, RLI belongs to the top of the industry, outperforming 87.07% of the companies in the same industry.
RLI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.62%
PM (TTM) 17.8%
GM N/A
OM growth 3Y-2.46%
OM growth 5Y2.54%
PM growth 3Y-6.23%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
RLI Yearly Profit, Operating, Gross MarginsRLI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), RLI is creating some value.
RLI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RLI has been increased compared to 5 years ago.
RLI has a better debt/assets ratio than last year.
RLI Yearly Shares OutstandingRLI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
RLI Yearly Total Debt VS Total AssetsRLI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

RLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.67
WACC8.55%
RLI Yearly LT Debt VS Equity VS FCFRLI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

4

3. Growth

3.1 Past

RLI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.12%.
RLI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.43% yearly.
The Revenue has grown by 17.09% in the past year. This is quite good.
The Revenue has been growing by 12.02% on average over the past years. This is quite good.
EPS 1Y (TTM)-7.12%
EPS 3Y14.04%
EPS 5Y17.43%
EPS Q2Q%26.72%
Revenue 1Y (TTM)17.09%
Revenue growth 3Y14.5%
Revenue growth 5Y12.02%
Sales Q2Q%1.44%

3.2 Future

The Earnings Per Share is expected to grow by 2.14% on average over the next years.
The Revenue is expected to grow by 3.48% on average over the next years.
EPS Next Y15.15%
EPS Next 2Y4.45%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue Next Year4.58%
Revenue Next 2Y4.18%
Revenue Next 3Y3.48%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
RLI Yearly EPS VS EstimatesRLI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.48, the valuation of RLI can be described as rather expensive.
72.11% of the companies in the same industry are cheaper than RLI, based on the Price/Earnings ratio.
RLI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.76.
A Price/Forward Earnings ratio of 18.66 indicates a rather expensive valuation of RLI.
Based on the Price/Forward Earnings ratio, RLI is valued a bit more expensive than the industry average as 70.07% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.63. RLI is around the same levels.
Industry RankSector Rank
PE 19.48
Fwd PE 18.66
RLI Price Earnings VS Forward Price EarningsRLI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

RLI's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.2
RLI Per share dataRLI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

RLI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of RLI may justify a higher PE ratio.
PEG (NY)1.29
PEG (5Y)1.12
EPS Next 2Y4.45%
EPS Next 3Y2.14%

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.05%, RLI has a reasonable but not impressive dividend return.
RLI's Dividend Yield is comparable with the industry average which is at 3.26.
With a Dividend Yield of 1.05, RLI pays less dividend than the S&P500 average, which is at 2.31.
Industry RankSector Rank
Dividend Yield 1.05%

5.2 History

On average, the dividend of RLI grows each year by 12.36%, which is quite nice.
RLI has paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

64.94% of the earnings are spent on dividend by RLI. This is not a sustainable payout ratio.
The dividend of RLI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP64.94%
EPS Next 2Y4.45%
EPS Next 3Y2.14%
RLI Yearly Income VS Free CF VS DividendRLI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
RLI Dividend Payout.RLI Dividend Payout, showing the Payout Ratio.RLI Dividend Payout.PayoutRetained Earnings

RLI CORP

NYSE:RLI (10/29/2025, 8:04:00 PM)

After market: 58.43 0 (0%)

58.43

-0.87 (-1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners84.6%
Inst Owner Change-0.19%
Ins Owners0.86%
Ins Owner Change0.37%
Market Cap5.37B
Revenue(TTM)1.77B
Net Income(TTM)323.44M
Analysts50
Price Target67.58 (15.66%)
Short Float %2.68%
Short Ratio4.1
Dividend
Industry RankSector Rank
Dividend Yield 1.05%
Yearly Dividend3.43
Dividend Growth(5Y)12.36%
DP64.94%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-29 2025-08-29 (0.16)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.52%
Min EPS beat(2)7.02%
Max EPS beat(2)8.03%
EPS beat(4)3
Avg EPS beat(4)6.58%
Min EPS beat(4)-21.72%
Max EPS beat(4)33%
EPS beat(8)7
Avg EPS beat(8)85.29%
EPS beat(12)9
Avg EPS beat(12)60.83%
EPS beat(16)13
Avg EPS beat(16)54.68%
Revenue beat(2)0
Avg Revenue beat(2)-2.3%
Min Revenue beat(2)-2.76%
Max Revenue beat(2)-1.84%
Revenue beat(4)1
Avg Revenue beat(4)-2.03%
Min Revenue beat(4)-5.61%
Max Revenue beat(4)2.08%
Revenue beat(8)3
Avg Revenue beat(8)-2.77%
Revenue beat(12)7
Avg Revenue beat(12)14.98%
Revenue beat(16)9
Avg Revenue beat(16)10.67%
PT rev (1m)0%
PT rev (3m)-4.39%
EPS NQ rev (1m)27.72%
EPS NQ rev (3m)29.1%
EPS NY rev (1m)4.41%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)0.85%
Revenue NQ rev (3m)0.57%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)-1.89%
Valuation
Industry RankSector Rank
PE 19.48
Fwd PE 18.66
P/S 2.95
P/FCF N/A
P/OCF N/A
P/B 3.09
P/tB 3.19
EV/EBITDA 13.2
EPS(TTM)3
EY5.13%
EPS(NY)3.13
Fwd EY5.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS19.78
BVpS18.89
TBVpS18.31
PEG (NY)1.29
PEG (5Y)1.12
Graham Number35.71
Profitability
Industry RankSector Rank
ROA 5.4%
ROE 18.65%
ROCE 7.09%
ROIC 5.73%
ROICexc 5.75%
ROICexgc 6.98%
OM 22.62%
PM (TTM) 17.8%
GM N/A
FCFM N/A
ROA(3y)8.09%
ROA(5y)6.89%
ROE(3y)31.27%
ROE(5y)26.07%
ROIC(3y)8.57%
ROIC(5y)7.05%
ROICexc(3y)8.63%
ROICexc(5y)7.12%
ROICexgc(3y)10.98%
ROICexgc(5y)8.97%
ROCE(3y)10.61%
ROCE(5y)8.72%
ROICexgc growth 3Y3.78%
ROICexgc growth 5Y5.67%
ROICexc growth 3Y3.88%
ROICexc growth 5Y4.97%
OM growth 3Y-2.46%
OM growth 5Y2.54%
PM growth 3Y-6.23%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
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
WACC8.55%
ROIC/WACC0.67
Cap/Depr(3y)68.15%
Cap/Depr(5y)78.89%
Cap/Sales(3y)0.33%
Cap/Sales(5y)0.46%
Profit Quality(3y)117.68%
Profit Quality(5y)130.35%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.12%
EPS 3Y14.04%
EPS 5Y17.43%
EPS Q2Q%26.72%
EPS Next Y15.15%
EPS Next 2Y4.45%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue 1Y (TTM)17.09%
Revenue growth 3Y14.5%
Revenue growth 5Y12.02%
Sales Q2Q%1.44%
Revenue Next Year4.58%
Revenue Next 2Y4.18%
Revenue Next 3Y3.48%
Revenue Next 5YN/A
EBIT growth 1Y10.38%
EBIT growth 3Y11.69%
EBIT growth 5Y14.87%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.2%
FCF growth 3Y13.83%
FCF growth 5Y15.53%
OCF growth 1Y20.67%
OCF growth 3Y13.33%
OCF growth 5Y15.13%

RLI CORP / RLI FAQ

Can you provide the ChartMill fundamental rating for RLI CORP?

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


Can you provide the valuation status for RLI CORP?

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


How profitable is RLI CORP (RLI) stock?

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


What is the financial health of RLI CORP (RLI) stock?

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


Can you provide the dividend sustainability for RLI stock?

The dividend rating of RLI CORP (RLI) is 3 / 10 and the dividend payout ratio is 64.94%.