Stocks · Financial Services · Insurance - Property & Casualty
RLI Corp. RLI
$56.08 +0.25% Close, Oct 5, 2026 · NYSE · Market cap $5.13B
High qualityWeak trendInexpensive vs sector
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.76, up 36.4% year over year.
- Operating margin widened to 28.4% from 22.0% a year earlier.
- The shares trade at 11.8× trailing earnings, lower than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 43%
- EPS growth (TTM, YoY)Top 30%
- FCF growth (TTM, YoY)Bottom 22%
- Revenue growth, 3-year CAGRBottom 14%
- Revenue growth accelerationBottom 44%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 18%
- Gross marginBottom 20%
- Operating marginTop 32%
- Cash conversion (OCF / net income)Top 47%
- Accruals (lower is better)Top 30%
- Net debt / EBITDA (lower is better)Top 39%
- Interest coverTop 3%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueTop 26%
- Sales / enterprise valueTop 39%
- P/E vs own 5-year history (lower is better)Top 17%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 29%
- 6-month returnBottom 17%
- 1-year return vs S&P 500Bottom 21%
- Distance from 52-week highBottom 31%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 25%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetBottom 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 28%
- Maximum drawdown, 3 yearsBottom 19%
- Beta vs S&P 500 (lower is better)Top 17%
- Net debt / EBITDA (lower is better)Top 39%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.5% | 8.7% | ↓ |
| EPS growth (YoY) | 40.8% | 36.4% | ↓ |
| Gross margin | 23.4% | 47.5% | ↑ |
| Operating margin | 22.0% | 28.4% | ↑ |
| FCF margin | 34.3% | 26.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.7% | 9.5% | ↓ | Top 43% |
| EPS growth (TTM, YoY) | 36.4% | 40.8% | ↓ | Top 30% |
| Gross margin | 47.5% | 23.4% | ↑ | Bottom 20% |
| Operating margin | 28.4% | 22.0% | ↑ | Top 32% |
| Net margin | 22.2% | 17.8% | ↑ | — |
| Free-cash-flow margin | 26.2% | 34.3% | ↓ | — |
| Return on invested capital | 8.8% | — | Top 18% | |
| Revenue growth, 3-year CAGR | 3.5% | — | Bottom 14% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.19×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -83.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.46×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 59.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 8.34%
- Net buyback yield (TTM)
- 0.20%
- Shareholder yield
- 8.54%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- +0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 24, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +11.1%
- Average 2-day reaction, last 8
- -0.9%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $61.33
- Target vs current price
- +9.4%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +14.8% | -2.0% | +8.1% | +6.8% | — |
| Apr 22, 2026 | -2.4% | -2.2% | -10.7% | -10.7% | +5.4% |
| Jan 21, 2026 | +15.3% | -0.9% | -3.8% | +1.4% | -1.0% |
| Oct 20, 2025 | +16.6% | +0.0% | +2.8% | +6.1% | -0.3% |
| Jul 21, 2025 | +12.0% | -1.3% | -3.5% | -5.1% | -9.5% |
| Apr 23, 2025 | +4.5% | -0.2% | -5.3% | -3.2% | -10.2% |
| Jan 22, 2025 | -61.0% | +0.1% | -6.5% | -4.5% | -0.8% |
| Oct 21, 2024 | -31.2% | -0.6% | -4.7% | +7.3% | -4.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.83 | $0.72 | +14.8% | $579.6M |
| Apr 22, 2026 | $0.83 | $0.85 | -2.4% | $503.9M |
| Jan 21, 2026 | $0.94 | $0.82 | +15.3% | $463.2M |
| Oct 20, 2025 | $0.83 | $0.71 | +16.6% | $509.3M |
| Jul 21, 2025 | $0.84 | $0.75 | +12.0% | $499.8M |
| Apr 23, 2025 | $0.92 | $0.88 | +4.5% | $407.7M |
| Jan 22, 2025 | $0.41 | $1.05 | -61.0% | $439.1M |
| Oct 21, 2024 | $0.66 | $0.96 | -31.2% | $470.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 17.5× | 19th | Top 31% |
| P/E (forward) | 19.6× | — | — | — |
| EV / EBITDA | 9.5× | — | — | Top 26% |
| EV / Sales | 2.73× | — | — | Top 39% |
| Free-cash-flow yield | 10.07% | — | — | Top 36% |
| Earnings yield | 8.49% | — | — | Top 31% |
P/E over the past five years
Range 8.8× – 30.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -11.6%
- Earnings per share growth (TTM)
- +36.4%
- Change in P/E multiple
- -33.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- -0.8%
- Distance from 50-day average
- -9.0%
- Distance from 200-day average
- -4.6%
- RSI (14)
- 33.1
- Relative volume
- 1.32×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.7%
- Volatility vs own 5-year history
- 89th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.13
- Correlation with S&P 500
- 0.08
- Current drawdown from 1-year high
- -15.8%
- Maximum drawdown, 3 years
- -47.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 26, 2024 | May 13, 2026 | -47.2% | 364 days | Not yet recovered |
| Mar 17, 2021 | Feb 17, 2022 | -16.1% | 234 days | 43 days (Apr 21, 2022) |
| May 31, 2022 | Sep 27, 2022 | -15.9% | 82 days | 18 days (Oct 21, 2022) |
| Apr 20, 2023 | Jun 1, 2023 | -15.9% | 29 days | 184 days (Feb 26, 2024) |
| Dec 17, 2020 | Jan 29, 2021 | -10.8% | 28 days | 24 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.13B
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $4.76
- Revenue (TTM)
- $1.97B
- Dividend yield
- 8.35%
- 52-week range
- $47.26 – $67.12
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.18B | $1.70B | $1.51B | $1.77B | $1.88B |
| Gross profit | $459.6M | $731.8M | $390.9M | $454.6M | $561.4M |
| Operating income | $344.3M | $720.7M | $377.3M | $427.6M | $518.3M |
| Net income | $279.4M | $583.4M | $304.6M | $345.8M | $403.3M |
| EPS (diluted) | $3.06 | $6.37 | $3.31 | $3.74 | $4.36 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $470.0M | $439.1M | $407.7M | $499.8M | $509.3M | $465.7M | $423.9M | $575.6M |
| Net income | $95.0M | $40.9M | $63.2M | $124.3M | $124.6M | $91.2M | $54.9M | $168.0M |
| EPS (diluted) | $1.03 | $0.44 | $0.68 | $1.34 | $1.35 | $0.99 | $0.60 | $1.82 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $384.9M | $250.4M | $464.3M | $560.2M | $614.2M |
| Capital expenditure | -$8.3M | -$5.9M | -$5.9M | -$4.7M | -$5.5M |
| Free cash flow | $376.6M | $244.6M | $458.3M | $555.5M | $608.7M |
| Dividends paid | -$135.3M | -$364.8M | -$140.1M | -$3.1M | -$241.6M |
| Net share buybacks | $1.8M | -$465,000 | $1.2M | -$2.3M | $1.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $238.2M
- Total assets
- $6.41B
- Total liabilities
- $4.66B
- Total debt
- $297.0M
- Net debt
- $264.9M
- Shareholders’ equity
- $1.75B
As of Jun 30, 2026 (filed Jul 24, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 31, 2026 | $0.18 | Sep 15, 2026 |
| May 29, 2026 | $2.18 | Jun 12, 2026 |
| Mar 2, 2026 | $0.16 | Mar 16, 2026 |
| Nov 28, 2025 | $2.16 | Dec 19, 2025 |
| Aug 29, 2025 | $0.16 | Sep 19, 2025 |
| May 30, 2025 | $0.16 | Jun 20, 2025 |
| Feb 28, 2025 | $0.15 | Mar 20, 2025 |
| Nov 29, 2024 | $4.29 | Dec 20, 2024 |
Short interest
- Shares sold short
- 8,413,967
- Days to cover
- 16.37
- Change vs previous report
- -0.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 16, 2025
- 2-for-1
- Jan 16, 2014
- 2-for-1
- Oct 16, 2002
- 2-for-1
- Jun 22, 1998
- 5-for-4
- Jun 22, 1995
- 5-for-4