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Earnings transcript
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RLI
RLI Corp.
$58.14
1.2
(2.11%)
| Exchange: | NYSE |
| Market Cap: | 5.344B |
| Shares Outstanding: | 63.077M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Craig William Kliethermes | |||||
| Full Time Employees: | 1147 | |||||
| Address: |
| |||||
| Website: | https://www.rlicorp.com |
RLI Corp., an insurance holding company, underwrites property and casualty insurance in the United States and internationally. Its Casualty segment provides commercial and personal coverage products; and general liability products, such as coverage for third-party liability of commercial insureds, including manufacturers, contractors, apartments, and mercantile. It also offers coverages for security guards and in the areas of onshore energy-related businesses and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages focuses on providing errors and omission coverage to small to medium-sized design, technical, computer, and miscellaneous professionals. 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 and 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 healthcare liability and home business insurance products. The company’s Property segment offers commercial property, cargo, hull, protection and indemnity, marine liability, inland marine, homeowners’ and dwelling fire, and other property insurance products. Its Surety segment offers commercial surety bonds for medium to large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company also underwrites various reinsurance coverages. It markets its products through branch offices, brokers, carrier partners, and underwriting and independent agents. RLI Corp. was founded in 1965 and is headquartered in Peoria, Illinois.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,511,994 | 1,770,384 | 1,882,448 |
| Gross Profit | 390,873 | 454,631 | 561,423 |
| EBITDA | 393,111 | 441,546 | 530,447 |
| Operating Income | 377,265 | 427,551 | 518,269 |
| Net Income | 304,611 | 345,779 | 403,337 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 5,180,221 | 5,628,802 | 6,161,486 |
| Total Liabilities | 3,766,707 | 4,106,835 | 4,383,290 |
| Total Stockholders Equity | 1,413,514 | 1,521,967 | 6,161,486 |
| Total Debt | 100,000 | 100,000 | 100,000 |
| Cash and Cash Equivalents | 36,424 | 39,790 | 51,565 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 464,257 | 560,219 | 614,221 |
| Capital Expenditure | -5,913 | -4,710 | 0 |
| Free Cash Flow | 458,344 | 555,509 | 614,221 |
| Net Income | 304,611 | 345,779 | 403,337 |
| Net Change in Cash | 13,606 | 3,366 | 11,775 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,950,164.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,010,493.950 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,980,329.300 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 596,248.463 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 614,693.702 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 605,471.082 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 266,173.103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 267,989.896 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 267,081.500 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 24,524.560 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 25,283.240 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 24,903.900 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.900 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.910 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.890 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: RLI Corp. demonstrated robust operating earnings in Q2 2025, as highlighted in the earnings call transcript, with key financial results indicating consistent revenue growth and positive net income trends over recent periods (based on Income Statements data). This reflects effective cost management and operational efficiency.
- High Profitability Metrics: The company exhibits strong gross profit margin and net profit margin (Key Metrics TTM), positioning it favorably within the insurance industry (Industry and Sector data). Return on equity (ROE TTM) and return on invested capital (ROIC TTM) further underscore efficient capital utilization.
- Stable Cash Flow Generation: RLI Corp. maintains healthy free cash flow (Cash Flow Statements), supported by consistent net cash provided by operating activities. This financial stability enables reinvestment and dividend payouts (dividend yield TTM), appealing to income-focused investors.
- Solid Balance Sheet: The company’s balance sheet shows a manageable debt-to-equity ratio (Key Metrics TTM) and substantial cash and cash equivalents (Balance Sheet data), providing resilience against economic downturns and flexibility for strategic initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates RLI intrinsic value between $77.67 – $88.41 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about RLI valuation
Is RLI Corp. (RLI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for RLI Corp. (RLI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is RLI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether RLI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is RLI’s P/E ratio?
You can see RLI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for RLI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is RLI a good long-term investment?
Whether RLI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
RLI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
2.11
Trading Metrics:
| Open: | 57.33 | Previous Close: | 56.94 | |
| Day Low: | 57.03 | Day High: | 58.42 | |
| Year Low: | 55.8 | Year High: | 79.74 | |
| Price Avg 50: | 59.92 | Price Avg 200: | 63.88 | |
| Volume: | 542724 | Average Volume: | 758581 |
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Login — it's freeRLI full analysis
Welcome to MARKETSNAP’s SWOT analysis for RLI Corp. Today, we’re diving deep into this specialty insurance provider to uncover what makes it tick, where it’s vulnerable, and what could shape its future for long-term investors like you. If you’re looking to build wealth through smart, informed decisions, stick around as we break down the strengths, weaknesses, opportunities, and threats for RLI Corp., with some juicy insights along the way to keep things interesting. For those who might not be as…
