RLI CORP (RLI) Fundamental Analysis & Valuation

NYSE:RLI • US7496071074

Current stock price

57.78 USD
-0.25 (-0.43%)
At close:
57.78 USD
0 (0%)
After Hours:

This RLI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. RLI Profitability Analysis

1.1 Basic Checks

  • RLI had positive earnings in the past year.
  • In the past year RLI had a positive cash flow from operations.
  • Each year in the past 5 years RLI has been profitable.
  • In the past 5 years RLI always reported a positive cash flow from operatings.
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

  • RLI's Return On Assets of 6.55% is amongst the best of the industry. RLI outperforms 86.49% of its industry peers.
  • RLI has a Return On Equity of 22.68%. This is amongst the best in the industry. RLI outperforms 88.51% of its industry peers.
  • RLI's Return On Invested Capital of 6.99% is amongst the best of the industry. RLI outperforms 83.11% of its industry peers.
  • RLI had an Average Return On Invested Capital over the past 3 years of 6.53%. This is below the industry average of 9.46%.
  • The 3 year average ROIC (6.53%) for RLI is below the current ROIC(6.99%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.55%
ROE 22.68%
ROIC 6.99%
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

  • RLI has a Profit Margin of 21.43%. This is amongst the best in the industry. RLI outperforms 87.16% 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 88.51% of its industry peers.
  • In the last couple of years the Operating Margin of RLI has grown nicely.
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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4

2. RLI Health Analysis

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.
  • Compared to 5 years ago, RLI has more shares outstanding
  • Compared to 1 year ago, RLI has an improved debt to assets ratio.
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

  • 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 0.16
Altman-Z N/A
ROIC/WACC0.79
WACC8.89%
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. RLI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.00% over the past year.
  • RLI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.11% yearly.
  • The Revenue has grown by 9.12% in the past year. This is quite good.
  • Measured over the past years, RLI shows a quite strong growth in Revenue. The Revenue has been growing by 13.86% on average per year.
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.
  • Based on estimates for the next years, RLI will show a small growth in Revenue. The Revenue will grow by 5.02% on average per year.
EPS Next Y-18.7%
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%
EPS Next 5YN/A
Revenue Next Year2.78%
Revenue Next 2Y3.15%
Revenue Next 3Y5.02%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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3

4. RLI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.37 indicates a correct valuation of RLI.
  • Based on the Price/Earnings ratio, RLI is valued a bit more expensive than 70.27% of the companies in the same industry.
  • RLI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.21.
  • A Price/Forward Earnings ratio of 20.13 indicates a rather expensive valuation of RLI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RLI indicates a slightly more expensive valuation: RLI is more expensive than 75.68% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of RLI to the average of the S&P500 Index (23.10), we can say RLI is valued inline with the index average.
Industry RankSector Rank
PE 16.37
Fwd PE 20.13
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RLI is on the same level as its industry peers.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as RLI.
Industry RankSector Rank
P/FCF 8.73
EV/EBITDA 10.28
RLI Per share dataRLI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • RLI has an outstanding profitability rating, which 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)0.74
EPS Next 2Y-9.52%
EPS Next 3Y-4.97%

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

4

5. RLI Dividend Analysis

5.1 Amount

  • RLI has a Yearly Dividend Yield of 1.14%.
  • RLI's Dividend Yield is comparable with the industry average which is at 2.55.
  • RLI's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.14%

5.2 History

  • The dividend of RLI is nicely growing with an annual growth rate of 6.14%!
  • RLI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of RLI decreased in the last 3 years.
Dividend Growth(5Y)6.14%
Div Incr Years2
Div Non Decr Years2
RLI Yearly Dividends per shareRLI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

5.3 Sustainability

  • 59.89% of the earnings are spent on dividend by RLI. This is a bit on the high side, but may be sustainable.
  • The Dividend Rate of RLI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP59.89%
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 200M 400M 600M
RLI Dividend Payout.RLI Dividend Payout, showing the Payout Ratio.RLI Dividend Payout.PayoutRetained Earnings

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RLI Fundamentals: All Metrics, Ratios and Statistics

RLI CORP

NYSE:RLI (4/7/2026, 7:05:29 PM)

After market: 57.78 0 (0%)

57.78

-0.25 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners87.05%
Inst Owner Change0%
Ins Owners0.72%
Ins Owner Change0.74%
Market Cap5.31B
Revenue(TTM)1.88B
Net Income(TTM)403.34M
Analysts68.33
Price Target60.95 (5.49%)
Short Float %4.51%
Short Ratio5.06
Dividend
Industry RankSector Rank
Dividend Yield 1.14%
Yearly Dividend2.63
Dividend Growth(5Y)6.14%
DP59.89%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-02
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)0%
PT rev (3m)-10.15%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)-5.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.32%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-3.35%
Valuation
Industry RankSector Rank
PE 16.37
Fwd PE 20.13
P/S 2.82
P/FCF 8.73
P/OCF 8.65
P/B 2.99
P/tB 3.08
EV/EBITDA 10.28
EPS(TTM)3.53
EY6.11%
EPS(NY)2.87
Fwd EY4.97%
FCF(TTM)6.62
FCFY11.46%
OCF(TTM)6.68
OCFY11.56%
SpS20.48
BVpS19.35
TBVpS18.76
PEG (NY)N/A
PEG (5Y)0.74
Graham Number39.2
Profitability
Industry RankSector Rank
ROA 6.55%
ROE 22.68%
ROCE 8.71%
ROIC 6.99%
ROICexc 7.05%
ROICexgc 8.51%
OM 27.37%
PM (TTM) 21.43%
GM N/A
FCFM 32.34%
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)6.59%
ROICexc(5y)7.73%
ROICexgc(3y)8.12%
ROICexgc(5y)9.7%
ROCE(3y)8.14%
ROCE(5y)9.54%
ROICexgc growth 3Y-20.42%
ROICexgc growth 5Y13.43%
ROICexc growth 3Y-18.47%
ROICexc growth 5Y13.39%
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-Score7
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.16
Debt/EBITDA 0
Cap/Depr 67.94%
Cap/Sales 0.29%
Interest Coverage 250
Cash Conversion 117.35%
Profit Quality 150.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.89%
ROIC/WACC0.79
Cap/Depr(3y)66.2%
Cap/Depr(5y)76.95%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.4%
Profit Quality(3y)154.01%
Profit Quality(5y)127.75%
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 Year2.78%
Revenue Next 2Y3.15%
Revenue Next 3Y5.02%
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 1Y9.57%
FCF growth 3Y35.52%
FCF growth 5Y18.78%
OCF growth 1Y9.64%
OCF growth 3Y34.86%
OCF growth 5Y18.46%

RLI CORP / RLI Fundamental Analysis 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 3 / 10 to RLI CORP (RLI). This can be considered as Overvalued.


Can you provide the profitability details for RLI CORP?

RLI CORP (RLI) has a profitability rating of 8 / 10.


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

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


What is the earnings growth outlook for RLI CORP?

The Earnings per Share (EPS) of RLI CORP (RLI) is expected to decline by -18.7% in the next year.