RLI (RLI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

RLI

NYSE•Financial Services•Insurance - Property & Casualty

$60.54-0.84(-0.01%)Pre-market

Market Cap

$5.55B

P/E

12.7x

P/S

2.8x

P/B

3.2x

RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products. Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers' compensation for office-based professional coverages; commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, public and private businesses risk, and home business insurance products. This segment also offers coverages for security guards and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages for errors and omission coverage for small to medium-sized design, technical, computer, and miscellaneous professionals. The company's Property segment offers commercial property insurance, such as fire, wind, difference in conditions, earthquake, flood, and collapse coverages; insurance for office buildings, apartments, condominiums, and industrial and mercantile structures; and cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. Its Surety segment provides commercial surety bonds for medium and large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company offers reinsurance coverages. It markets its products through branch offices, wholesale and retail brokers, carrier partners, and underwriting and independent agents. RLI Corp. was incorporated in 1965 and is headquartered in Peoria, Illinois.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Profitability (22/25); weakest: Cash & Earnings Quality (16/25).

Profitability22/25

Growth20/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality16/25

Strengths

Strong marginsHigh ROERising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 8.1x – 30.5x

Currently below its 20-quarter median.

P/S · 2.8x5y range 2.8x – 4.8x

Currently below its 20-quarter median.

P/B · 3.2x5y range 2.9x – 5.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 171.9% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $5.55B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.97B
Q. Revenue: $575.57M
TTM EBITDA: $393.33M
TTM Op. Income: $393.33M
Q. Op. Income: $95.29M
TTM Net Income: $438.70M
Q. Net Income: $168.03M
EPS: $1.83
Shares Out.: $91.92M

$1.97B in TTM revenue grew 8.7% YoY, reaching $575.57M last quarter. TTM EBITDA of $393.33M and TTM operating income of $393.33M show growth is flowing through to the bottom line. TTM net income of $438.70M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 16.6%
Op. Margin: 16.6%
Net Margin: 29.2%

Op. margin of 16.6% is down 2.6% YoY — costs are rising relative to revenue. Net margin at 29.2% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 2.8x
P/B Ratio: 3.2x

At 12.7x P/E, the stock trades below typical market levels. P/S of 2.8x and P/B of 3.2x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 5 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $6.41B
Cash: $32.10M
Long-Term Debt: $296.97M
Book Value: $1.75B
D/E Ratio: 0.2
Debt/EBITDA: 3.1

With $6.41B in assets and $296.97M in long-term debt, D/E is 0.2and book value is $1.75B — a conservative capital structure with a cushion to weather downturns. Across the last 6 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $145.22M
TTM Free Cash Flow: $517.02M
FCF Margin: 26.2%
FCF / Net Income: 1.2

TTM FCF of $517.02M on $145.22M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.