RLI CORP · Property and casualty insurance

RLI

Low riskNext report: Around Jan 20, 2027 (est.)

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The short version

A high-quality, profitable business with shrinking sales. Institutions are adding.

Going well

Raised its dividend (4.1% yield)
Profitable every year for 10 years
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 6.3% to their holdings in the quarter ending June 2026 (223 bought, 197 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$64.90+0.1% that day

Company value: $6.0B; Share price times all shares
Price vs profit (P/E): 15.1x; You pay about $15 for each $1 of yearly profit
Price vs sales: 3.1x; Company value is 3.1 times a year of sales
Dividend yield: 4.1%; Yearly dividend as a share of today's price
Debt vs value: 2%; Debt as a share of company value

From RLI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Sep '26

$477.0M-6.3% vs a year earlier

Dec '23Tap a barSep '26

Last 12 months: $1.9B, up 4.6% from the 12 months before. Over 5 years, sales grew about 14% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of RLI. Starting points are the company's recent numbers.

Sales growth+5% a yearRecently: +4.6% a yearProfit margin20%Last 12 months: 20.3%P/E at the end15xToday: 15.1x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$2.5B

Profit in 5 years$496M

Price these guesses point to$81.06+25% vs $64.90 todayAbout +4.5% a year, before dividends

What today's price needs: with a 20% margin and a 15x P/E, sales would have to grow about 0.4% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

6/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.24.4%
PassDebt under half of equityNot relying on borrowed money.0.06x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.21.4%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$608.7M
PassShare count not growingNot diluting owners. Falling means buybacks.+0.9% in 3 years

Revenue: $1.9B; +6.3% vs prior year
5-year growth: +13.9%/yr; revenue, per year
Total debt: $100.0M; 0.06x equity
Free cash flow: $608.7M; 32.3% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.