RLI$61.72
$61.58
Chart
Performance
Key Stats
AI RLI Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyA fundamentally solid insurance company with stable earnings and a strong balance sheet. Thematic drivers are moderate reflecting steady industry positioning. Technical indicators suggest mixed short-term signals but overall positivity for long-term holders.
Thematic
RLI Corp operates in the specialized insurance and surety bond market with a diversified product range. While not exposed to high-growth tech trends, its niche in commercial and specialty insurance provides stable recurring revenues and resilience.
Fundamental
Solid profitability with net margins recovering above 19%, manageable debt levels, and strong free cash flow generation underpin financial strength. Valuation on a trailing P/E basis is moderate but forward multiples appear slightly elevated.
Technical
Intra-day and short-term technical measures show mixed signals with oscillators ranging from sell to neutral. Longer-term moving averages consistently indicate buy signals, suggesting a cautiously optimistic medium to long-term technical picture.
| Factor | Score |
|---|---|
| Market Niche & Leadership | 75 |
| ESG & Sustainability | 60 |
| Regulatory Environment | 65 |
| Industry Growth Drivers | 70 |
| Innovation & Technology | 70 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 80 |
| Growth | 75 |
| Balance Sheet Health | 90 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum | 60 |
| Volume Confirmation | 65 |
| Support & Resistance | 65 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent Earnings Surprise
The company has reported positive earnings surprises in 7 of the last 10 quarters, with notable beats of 34.36% in 2024 Q4 and 28.36% in 2024 Q3, indicating strong earnings momentum.
Reasonable P/E Despite Growth
The trailing twelve months (TTM) P/E ratio is 23.25, which reflects a balanced valuation given the company's solid EPS of 3.03 and stable net income of $345.8M in 2024.
Bearish Points (6)
Negative Recent Performance
Recent performance metrics show declines of -0.54% over 5 days, -1.5% over 1 month, and -13.32% year-to-date, highlighting near-term weakness.
Decreasing Net Margin
Net margin declined to 19.5% in 2024 Q4 from 34.4% in 2022 Q4, signaling potential margin pressure or rising costs.
Calendar
May 2025
30
Ex-Dividend Date
June 2025
20
Next Dividend Date
July 2025
22
Next Earnings Date
H: $0.86
A: $0.78
L: $0.70
H: 450.13M
A: 445.55M
L: 437.31M
Profile
RLI Corp., an insurance holding company, underwrites property, casualty, and surety insurance products. The Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; and package business and other specialty coverages, including professional liability and workers' compensation for office-based professionals. 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. In addition, this segment provides commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other types of specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; management liability coverages, such as directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, and for various classes of risks, including public and private businesses; and home business insurance products. The Property segment offers commercial property coverage that consists of excess and surplus lines and specialty insurance, such as fire, earthquake, wind, difference in conditions, earthquake, flood, and collapse coverages; insurance for office buildings, apartments, condominiums, and industrial and mercantile structures. This segment also provides cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. The 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.
Seasonals
Price Target
77.25 USD
The 39 analysts offering 1 year price forecasts for RLI have a max estimate of 87.00 and a min estimate of 61.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Large diversified insurance company with similar commercial property & casualty focus
Weight: 92
Major property and casualty insurer competing in similar markets
Weight: 90
Leading property and casualty insurer with diversified insurance lines
Weight: 85
Specializes in personal, commercial auto insurance similar to RLI's niche