(RLI) RLI - Overview
Stock: Property, Casualty, Surety, Reinsurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.91% |
| Yield on Cost 5y | 1.37% |
| Yield CAGR 5y | -10.68% |
| Payout Consistency | 87.8% |
| Payout Ratio | 17.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 20.2% |
| Relative Tail Risk | 3.06% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.09 |
| Alpha | -26.35 |
| Character TTM | |
|---|---|
| Beta | 0.259 |
| Beta Downside | 0.215 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.00% |
| CAGR/Max DD | -0.01 |
Description: RLI RLI January 10, 2026
RLI Corp. (NYSE:RLI) is a diversified insurance holding company that underwrites property, casualty, and surety products across multiple commercial and specialty lines. Its Casualty segment covers excess liability, personal umbrella, transportation, professional liability, workers’ compensation, commercial auto, inland marine, and a range of niche exposures such as security-guard and environmental liability. The Property segment writes commercial property policies-including fire, earthquake, wind, flood, and collapse coverage-for office, residential, industrial and marine assets. The Surety segment issues bonds for medium-to-large businesses, smaller contractors, and individuals, while the company also provides reinsurance solutions and distributes its products through a mix of branch offices, brokers, carrier partners, and independent agents.
Key operating metrics (FY 2024) show a combined ratio of 92.5% in the Casualty line, indicating underwriting profitability, and a return on equity (ROE) of ~13%, above the industry median of ~10%. Net income grew 8% YoY to $210 million, driven in part by higher investment income as the 10-year Treasury yield rose to 4.3%, a sector driver that boosts insurers’ investment portfolios. However, exposure to climate-related catastrophes remains a material risk; the U.S. property-cat loss frequency has risen ~12% YoY, potentially pressuring loss ratios in the Property segment.
If you want a data-rich, side-by-side comparison of RLI’s valuation and risk metrics, the ValueRay platform offers a concise dashboard that can help you extend this initial analysis.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 403.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: 2.25% < 20% (prev -1.74%; Δ 3.99% < -1%) |
| CFO/TA 0.10 > 3% & CFO 585.5m > 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 2957 % > 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'' 1.21
| A: 0.01 (Total Current Assets 172.1m - Total Current Liabilities 129.7m) / Total Assets 6.16b |
| B: 0.32 (Retained Earnings 1.99b / Total Assets 6.16b) |
| C: 0.01 (EBIT TTM 80.0m / Avg Total Assets 5.90b) |
| D: 0.02 (Book Value of Equity 91.9m / Total Liabilities 4.38b) |
| Altman-Z'' Score: 1.21 = BB |
What is the price of RLI shares?
Over the past week, the price has changed by +5.63%, over one month by +1.65%, over three months by +1.99% and over the past year by -20.17%.
Is RLI a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the RLI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 59.8 | -3.2% |
| Analysts Target Price | 59.8 | -3.2% |
| ValueRay Target Price | 59.8 | -3.1% |
RLI Fundamental Data Overview February 02, 2026
P/E Forward = 20.1613
P/S = 2.8519
P/B = 2.9896
P/EG = 3.82
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 = 5.42b USD (5.37b + Debt 100.0m - CCE 51.6m)
Interest Coverage Ratio = 14.92 (Ebit TTM 80.0m / Interest Expense TTM 5.36m)
EV/FCF = 9.28x (Enterprise Value 5.42b / FCF TTM 583.6m)
FCF Yield = 10.77% (FCF TTM 583.6m / Enterprise Value 5.42b)
FCF Margin = 31.00% (FCF TTM 583.6m / 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 = 0.88 (Enterprise Value 5.42b / 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 = 0.02 (Debt 100.0m / totalStockholderEquity, last quarter 6.16b)
Debt / EBITDA = 0.09 (Net Debt 48.4m / EBITDA 522.3m)
Debt / FCF = 0.08 (Net Debt 48.4m / FCF TTM 583.6m)
Total Stockholder Equity = 2.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.84% (Net Income 403.3m / Total Assets 6.16b)
RoE = 14.18% (Net Income TTM 403.3m / Total Stockholder Equity 2.84b)
RoCE = 2.72% (EBIT 80.0m / Capital Employed (Equity 2.84b + L.T.Debt 100.0m))
RoIC = 3.49% (NOPAT 64.2m / Invested Capital 1.84b)
WACC = 6.76% (E(5.37b)/V(5.47b) * Re(6.87%) + D(100.0m)/V(5.47b) * Rd(1.31%) * (1-Tc(0.20)))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.04%
[DCF Debug] Terminal Value 85.36% ; FCFF base≈570.0m ; Y1≈700.5m ; Y5≈1.18b
Fair Price DCF = 289.0 (EV 26.60b - Net Debt 48.4m = Equity 26.55b / Shares 91.9m; r=6.76% [WACC]; 5y FCF grow 24.49% → 2.90% )
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 (2026-03-31): EPS=0.82 | Chg30d=-0.049 | Revisions Net=-1 | Analysts=8
EPS current Year (2026-12-31): EPS=2.82 | Chg30d=-0.248 | Revisions Net=-4 | Growth EPS=-18.8% | Growth Revenue=-4.1%
EPS next Year (2027-12-31): EPS=2.86 | Chg30d=-0.137 | Revisions Net=-2 | Growth EPS=+1.6% | Growth Revenue=+3.2%