profit from every $100 of sales.
$0$100
RLI
$69.65+0.77% today
+10.1% in 1 year
1-year low $47.771-year high $69.72
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $15.85 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What RLI sold, what it kept, and what it did with the cash.
Sales went from $1.70 billion in 2022 to $1.88 billion in 2025, with $403 million of profit last year.
SalesProfit
RLI handed back 40% of the cash it generated last year.
$242M
Free cash flow 2025$609M
Bought back its own shares–
Paid as dividends$242M
Cash vs. debt$52M vs. $100M
RLI vs. similar companies
RLI grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| RLI | 15.8× · Fair price | ||
 Chubb | 13.9× · Cheap | ||
 The Progressive | 12.1× · Cheap | ||
 Tokio Marine Holdings | 15.9× · Fair price | ||
 The Travelers Companies | 13.1× · Cheap |
AI analysis
An AI analyst reads RLI's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 984 | 1,179 | 1,698 | 1,512 | 1,770 | 1,882 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 205 | 359 | 737 | 393 | 442 | 519 | |
| 157 | 279 | 583 | 305 | 346 | 403 | |
| 1.73 | 3.06 | 6.37 | 3.31 | 3.74 | 4.37 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 16.0% | 23.7% | 34.4% | 20.1% | 19.5% | 21.4% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 3,938 | 4,508 | 4,767 | 5,180 | 5,629 | 6,161 |
| Cash | 62 | 89 | 23 | 36 | 40 | 52 |
| Total debt | 149 | 200 | 200 | 100 | 100 | 100 |
| Total liabilities | 2,803 | 3,279 | 3,590 | 3,767 | 4,107 | 4,383 |
| 1,136 | 1,229 | 1,177 | 1,414 | 1,522 | 1,778 | |
| 91 | 91 | 92 | 92 | 92 | 92 | |
| 12.1% | 19.5% | 41.8% | 20.1% | 21.1% | 21.5% | |
| 13.8% | 22.7% | 49.6% | 21.5% | 22.7% | 22.7% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 263 | 385 | 250 | 464 | 560 | 614 | |
| 6 | 8 | 6 | 6 | 5 | 6 | |
| 257 | 377 | 245 | 458 | 556 | 609 | |
| Dividends paid | 88 | 135 | 365 | 140 | 236 | 242 |
| – | – | – | – | – | – | |
| – | – | – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.8×
- 25.2×
- 0.78
- 2.6×
- 3.4×
- 6.3%
- 5.2%
Profitability
- 21.4%
- 17.2%
- 23.6%
- 22.0%
- 6.2%
Growth
- +13.9%
- +20.4%
- +22.0%
- +0.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 12%of 754
Top 38%of 605
Bottom 42%of 883
Top 37%of 880
Top 25%of 929
What analysts expect
- Average price target
- $56.33
- Range
- $52.00 – $59.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.83 | 0.85 | −2.4% |
| Jan 21, 2026 | 0.94 | 0.82 | +15.3% |
| Oct 20, 2025 | 0.83 | 0.71 | +16.6% |
| Jul 21, 2025 | 0.84 | 0.75 | +12.0% |
| Apr 23, 2025 | 0.92 | 0.88 | +4.5% |
| Jan 22, 2025 | 0.41 | 1.05 | −61.0% |
| Oct 21, 2024 | 0.66 | 0.96 | −31.2% |
| Jul 22, 2024 | 0.86 | 1.41 | −39.0% |
5.2%of the share price, paid each year
On $1,000 invested$52a year at today's yield, before tax
+22.0%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$1.38 in 2015 → $2.63 in 2025
How safe it looks
59.9% of its profit
Room to growStretchedMore than it earns: 39.7%
News
RLI signals personal umbrella rate increases to return to double-digit levels during 2027Seeking Alpha · Oct 20, 2026RLI Q3 2026 Earnings PreviewSeeking Alpha · Oct 18, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
76Pass
Benjamin Graham
58No pass
Philip Fisher
83Pass
Peter Lynch
81Pass
Joel Greenblatt
49No pass
Charlie Munger
77Pass
Terry Smith
74Pass
Questions about RLI
Is RLI a good stock to buy?
A strong, very profitable business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the RLI AI analysis
What does RLI do?
RLI Corp., an insurance holding company, underwrites property and casualty insurance in the United States and internationally. It is in Insurance - Property & Casualty, based in Peoria, IL, United States, with 1,193 employees.
Does RLI pay a dividend?
Yes. At today's price the dividend is 5.2% a year, about 60% of its yearly profit. In 2025 it paid out $242 million in dividends.
Is RLI stock halal?
No. RLI does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has RLI stock done over the past year?
Up 10.1% over the past twelve months, to $69.65. It traded between $47.77 and $69.72, close to its high.
Who are RLI's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with RLI's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.