Loading…
RLI Corp.
NYSE: RLI Financials Insurance 🔎 Screen
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High | BRS 80 Ready View all →
📈 Stage 2 detected Find the fundamental catalyst → → run Growth Triggers in Ask AI
$6.0B
Market Cap
14.6
P/E
2.76
PEG
24.9%
ROCE
24.4%
ROE
D/E
27.4%
OPM
-2.6%
% from 52W High
71
α RS
🔍 RLI is showing a high-conviction setup because it matches 8 of 37 tracked screener presets, Sector RRG has Financials in the Improving quadrant with the trail still strengthening, and RS Rating is 71. Net: Broad signal stack, not a recommendation. ? Conviction RRG RS Rating
Sources
Conviction 8/37 · Financials in Improving quadrant · RS Rating 71
⚖️ Compare 🔒 Generate Report 🔒 Research Packet 📚 Guides
🌏 Global Investor Returns
Currency-adjusted total returns for RLI including FX impact
🌏
Click 🌏 Returns tab to load data
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
Loading…
⭐ Superinvestors Holding RLI
View All Superinvestors →
Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 71.5K $4.1M 0.01% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
🎙 Management Tone Confident Specific → Stable 3 quarters Full tone analysis in Intelligence →
📊 MIXED RLI Corp Q1 2026: 86 combined ratio, 3% premium growth, 15% investment income rise
Revenue & Profitability
Gross premiums grew 3% in Q1 2026. Underwriting income was $58 million. Operating earnings were $0.83 per share (down from $0.89 last year), supported by a 15% increase in net investment income. Net investment income rose 15%. The combined ratio was 86. Catastrophe losses totaled $16 million. Favorable prior-year reserve development was $35.5 million. Operating cash flow was $43 million. The company raised $300 million of long-term debt at 5.375% coupon.
Outlook
Management sees a dynamic insurance marketplace with more competition from broker-owned facilities and MGAs. Rate acceleration and market disruption are seen in wheels-based products. Property market capacity remains plentiful with rate decreases (hurricane -19%, earthquake -16%). Construction industry activity is paused due to economic uncertainty, supply chain, and interest rates, but expected to rebound. The reinsurance market is a buyer's market with reduced costs. Regulatory uncertainty around AI adoption is noted.
Growth Drivers
Key growth is driven by Casualty (+10% premium), especially Personal Umbrella (+23% premium, 16% rate increase) and Transportation (+27% premium, 15% rate increase). Personal Umbrella is expanding from hazardous states (CA, FL, NY) to less litigious Midwest states. E&S Casualty new business submissions are up 14%. In Property, Marine had its largest premium quarter ($47 million, +4%) and Hawaii Homeowners grew 12%. Surety sees growth at top end in contract surety (infrastructure, data centers) but focus on small-to-mid contractors.
Balance Sheet & CapEx
RLI is investing in data and analytics to make local targeted improvements to the book. The company is using AI as a tool to improve data for decision-makers, making it more responsive and efficient. It invests in loss control and claim service for Transportation. The company is always looking to hire talented underwriters and claim professionals. New Transactional Surety system functionality provides full lifecycle capabilities to producers. The company raised $300 million in long-term debt and upsized its revolving credit facility to $150 million.
Margins
The overall combined ratio for Q1 2026 was 86. Casualty posted a 97 combined ratio (improved 2 points from 2025). Property had a 62 combined ratio. Surety reported a 94 combined ratio. The underlying combined ratio in casualty was slightly up due to business mix. Favorable prior-year reserve development benefited all segments (Casualty $14.5M, Property $20.6M). Catastrophe losses (total $16M) impacted margins. The company expects to achieve adequate returns by pricing above technical benchmark in Property and getting rate above trend in Transportation.
Key Risks
Key risks flagged include catastrophe activity (Q1 included Hawaii storms, spring storms), regulatory uncertainty around AI adoption, and competitive pressures from broker-owned facilities and admitted market. In surety, a large prior-period contract loss was an isolated incident but caused variability. Management notes severity concerns in Commercial Auto Liability leading to a more limited appetite. Macro risks include economic uncertainty, supply chain issues, interest rates, and inflation impacting construction investment decisions. Slowing investments in renewable energy impact commercial surety.
Generated by AI · Q1 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
🔍
🔎 See cross-company document search → ?
📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-23
Delivered strong Q2 results with 3% premium growth, 17% higher investment income, and an 86 combined ratio. Returned over $200 million to shareholders and maintained disciplined underwriting amid competitive markets.
Q1 2026 Q1 2026 2026-04-23
Q1 delivered strong underwriting profit and premium growth in casualty and transportation, offset by property declines and a large surety loss. Investment income rose 15%, and AM Best upgraded the group to A++. The outlook remains positive with disciplined underwriting and selective growth.
Q4 2025 Q4 2025 2026-01-22
Delivered strong Q4 and full-year results with 30 years of underwriting profitability, 33% book value growth, and robust segment performance despite competitive pressures. Continued rate discipline, operational investments, and capital strength position the company well for 2026.
Q3 2025 Q3 2025 2025-10-21
Q3 saw strong underwriting profitability with an 85% combined ratio and 26% YTD book value growth. Property and casualty segments delivered solid results despite flat top-line growth, while investments in technology and rate actions support future margins.
Q2 2025 Q2 2025 2025-07-22
Q2 2025 saw strong underwriting profitability with an 84.5 combined ratio, 16% book value growth, and double-digit investment income gains. Property premiums declined 10% amid market softening, while casualty and surety grew 7%. Focus remains on disciplined underwriting and selective growth.
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Catalyst Timeline.

Every result, order win, insider trade, ECS update, earnings-call, and SEC announcement for this company — in one chronological lane.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.