RLI RLI
United StatesFinancial Services · Insurance - Property & CasualtyUSD
59.00 USD (+6.2%)
4 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
RLI Corp. is a specialty property and casualty (P&C) insurer in the US, operating through its subsidiaries to offer niche coverages such as excess liability, commercial lines, and property insurance, with a disciplined underwriting model and a strong focus on technical profitability.
Key points
from its scores- ✓Favourable backdrop8.9
- ✓Very solid balance sheet8.6
- ✓High-quality business8.5
- ✕Little or no dividend4.3
- !Weak share-price trend5.0
AI analysis
bottom line, main risk, context and newsHold or accumulate on dips, given its strong moat, exceptional return on equity, and an interest rate environment that favors its insurance business model.
RLI Corp. shows excellent financial health (ROE of 25.16%) and a very high operating margin (36.86%), reflecting a high-quality underwriting business. Its valuation is reasonable (P/E of 11.67) and its earnings growth is solid (35.8%), although its dividend yield is low (1.30%). The rising interest rate environment in the US is favorable for its investment portfolio.
The main risk for RLI is potential pricing pressure in the P&C insurance market if competition intensifies, which could compress its currently very high technical margins (36.86%).
Context and risks
RLI Corp. is a property and casualty insurer with a solid balance sheet (ROE of 25.16%) and no material exposure to current macro factors. The rise in long-term US rates is a favorable environment for its investment portfolio, but no specific regulatory, geopolitical, or business model risk is identified that would justify an additional adjustment to the base risk.
Is RLI stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 19% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.7 | 13.7 | −15% |
| EV / EBITDA | 9.1 | 10.1 | −10% |
| Price / book | 2.8 | 1.9 | +53% |
| Price / sales | 2.6 | 3.5 | −25% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.5 out of 10 (median for Financial Services: 5.2).
Average analyst target: 59.00 USD, +6.2% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 8.5 (sector 8.8), Growth 8.1 (sector 6.9).
Classic formulas with standard assumptions (0.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.7
- Forward P/E
- 20.6
- EV / EBITDA
- 9.1
- Price / book
- 2.8
- Price / sales
- 2.6
- PEG
- 1.73
- Market cap
- 5.1B USD
- Enterprise value
- 5.2B USD
Profitability
- ROE
- 25.2%
- ROA
- 5.7%
- ROIC (approx.)
- 34.5%
- Gross margin
- 35.5%
- Operating margin
- 36.9%
- Net margin
- 22.2%
- Free cash flow
- 316.1M USD
- FCF yield
- 6.2%
- Cash conversion
- 55%
Solvency
- Total debt
- 318.7M USD
- Net debt
- 80.5M USD
- Cash
- 238.2M USD
- EBITDA
- 571.0M USD
- Net debt / EBITDA
- 0.14
- Debt / equity
- 18.19
- Current ratio
- 1.06
- Quick ratio
- 0.43
Growth
- Revenue growth
- +15.2%
- Earnings growth
- +35.8%
- EPS (TTM)
- 4.76 USD
- EPS (forward)
- 2.70 USD
Dividend
- Dividend yield
- 1.3%
- Payout
- 13.9%
Risk and market
- Beta
- 0.32
- Analyst consensus
- Hold (4)
- Target price
- 59.00 USD
- 52-week range
- 47.26 – 67.12
Recent news
All RLI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about RLI
Is RLI stock cheap or expensive?
On P/E and Price / book, it trades 19% above the Financial Services median on average. Valuation score: 5.5 out of 10 (median for Financial Services: 5.2). Average analyst target: 59.00 USD, +6.2% versus the price. This is not investment advice.
What score does RLI get on MeridIAn Screener?
It scores 7.3 out of 10, rank 101 of 2,130 (better than 95% of the companies analysed). Its strongest category is Risk & Context (8.9) and its weakest, Dividend (4.3). Analysis of 08/10/2026.
What is RLI's P/E ratio?
Its P/E is 11.7: the share price equals 11.7 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 20.6.
How much is RLI worth on the stock market?
Its market capitalisation is 5.1B USD.
Does RLI pay a dividend?
Yes: its dividend yield is 1.30% and it pays out 14% of its earnings.
How has RLI stock performed over the last year?
It has fallen 4.6% over the last year, excluding dividends. Over the last 52 weeks it has traded between 47.26 and 67.12 USD. Past performance does not guarantee future results.
What do analysts think of RLI?
4 analysts cover it; their average recommendation is “Hold” and their average target is 59.00 USD (+6.2% versus the price). It is an estimate, not market data.