Thursday 15 October 2026
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RLI Corp.
RLI Financial Insurance Property & Casualty
RLI Corp.’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, up 6.33% from fiscal 2024. In the quarter to June 2026, revenue grew 15.2%, EPS grew 35.8%, free cash flow fell 17.9% and total debt rose 48.5%, each against the same quarter a year earlier. Operating cash flow growth for three consecutive years; insiders bought in the last twelve months.
57.63
0.53
+0.93%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
23.88 | 25.10 | 48.25 | 21.23 | 30.19 | 18.35 | 10.40 | 20.42 | 22.01 | 14.67 |
Piotroski F-Score |
4 | 4 | 5 | 8 | 5 | 7 | 6 | 4 | 6 | 6 |
P/S ratio |
3.30 | 3.29 | 3.74 | 4.01 | 4.77 | 4.30 | 3.54 | 4.08 | 4.26 | 3.12 |
P/FCF ratio |
16.86 | 13.90 | 14.49 | 14.92 | 18.20 | 13.46 | 24.54 | 13.44 | 13.58 | 9.65 |
P/Operating CF |
52.41 | 50.77 | 56.96 | 44.67 | 46.87 | 48.54 | (185.29) | 50.49 | 58.90 | 37.48 |
P/B ratio |
3.28 | 3.07 | 3.79 | 4.05 | 4.13 | 4.12 | 5.11 | 4.36 | 4.96 | 3.30 |
Price to Tangible BV |
3.55 | 3.30 | 4.07 | 4.28 | 4.33 | 4.31 | 5.35 | 4.53 | 5.14 | 3.41 |
EV/Sales |
3.46 | 3.44 | 3.89 | 4.12 | 4.85 | 4.39 | 3.76 | 4.18 | 4.35 | 3.20 |
EV/EBITDA |
18.40 | 36.69 | 53.93 | 18.83 | 26.94 | 16.45 | 8.89 | 16.87 | 17.56 | 11.69 |
EV/Operating CF |
16.21 | 13.89 | 14.65 | 14.91 | 18.14 | 13.46 | 25.50 | 13.63 | 13.75 | 9.81 |
EV/FCF |
17.67 | 14.56 | 15.06 | 15.30 | 18.54 | 13.76 | 26.08 | 13.80 | 13.87 | 9.90 |
Quick Ratio |
0.30 | 0.29 | 0.31 | 0.31 | 0.32 | 0.35 | 0.34 | 0.32 | 0.29 | 0.27 |
Current Ratio |
0.30 | 0.29 | 0.31 | 0.31 | 0.32 | 0.35 | 0.34 | 0.32 | 0.29 | 0.27 |
Net Debt/EBITDA |
0.81 | 1.53 | 1.80 | 0.45 | 0.47 | 0.34 | 0.52 | 0.17 | 0.36 | 0.09 |
Debt/Assets |
5.35% | 5.05% | 4.80% | 4.21% | 3.80% | 4.43% | 8.39% | 1.93% | 3.55% | 1.62% |
Debt/Equity |
0.18 | 0.17 | 0.18 | 0.15 | 0.13 | 0.16 | 0.34 | 0.07 | 0.13 | 0.06 |
Asset Turnover |
0.30 | 0.28 | 0.27 | 0.30 | 0.26 | 0.28 | 0.37 | 0.30 | 0.33 | 0.32 |
Operating CF/Net income |
1.52 | 1.88 | 3.38 | 1.45 | 1.68 | 1.38 | 0.43 | 1.52 | 1.62 | 1.52 |
Capex/Depreciation |
(2.25) | (1.31) | (0.84) | (0.85) | (0.78) | (1.12) | (0.69) | (0.69) | (0.61) | (0.68) |
Interest Coverage |
20.69 | 10.07 | 7.93 | 28.91 | 23.31 | 41.02 | 89.33 | 51.36 | 69.30 | 96.17 |
| 13.95% | 12.52% | 7.73% | 21.27% | 14.74% | 23.62% | 48.48% | 23.51% | 23.56% | 24.44% | |
| 4.17% | 3.67% | 2.12% | 5.76% | 4.20% | 6.61% | 12.58% | 6.12% | 6.40% | 6.84% | |
ROIC |
10.07% | 4.78% | 3.98% | 12.48% | 9.05% | 14.69% | 28.91% | 15.87% | 16.30% | 17.63% |
Return on Tangible Assets |
(10.42%) | (8.59%) | (4.75%) | (13.05%) | (9.76%) | (15.37%) | (27.57%) | (12.99%) | (12.56%) | (13.57%) |
Average Days of Receivables |
208.71 | 226.30 | 262.67 | 232.23 | 271.57 | 280.51 | 229.59 | 263.33 | 229.04 | 210.12 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
1.25% | 1.42% | 1.15% | 1.26% | 1.04% | 1.13% | 0.76% | 1.05% | 0.90% | 0.90% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(0.54) | (0.60) | (0.55) | (0.46) | (0.43) | (0.45) | (0.42) | (0.43) | (0.39) | (0.55) |
Graham Number |
16.52 | 16.08 | 12.10 | 23.04 | 22.13 | 30.56 | 43.12 | 33.98 | 37.43 | 43.58 |
Earnings Yield |
4.19% | 3.98% | 2.07% | 4.71% | 3.31% | 5.45% | 9.62% | 4.90% | 4.54% | 6.81% |
Free Cash Flow Yield |
5.93% | 7.19% | 6.90% | 6.70% | 5.49% | 7.43% | 4.08% | 7.44% | 7.36% | 10.36% |
Revenue per Share |
9.32 | 9.05 | 9.22 | 11.22 | 10.93 | 13.04 | 18.71 | 16.58 | 19.34 | 20.50 |
Operating CF per Share |
1.99 | 2.24 | 2.45 | 3.10 | 2.93 | 4.26 | 2.76 | 5.09 | 6.12 | 6.69 |
Capex per Share |
(0.17) | (0.10) | (0.07) | (0.08) | (0.06) | (0.09) | (0.06) | (0.06) | (0.05) | (0.06) |
Free Cash Flow per Share |
1.83 | 2.14 | 2.38 | 3.02 | 2.86 | 4.16 | 2.70 | 5.03 | 6.07 | 6.63 |
Cash per Share |
0.21 | 0.28 | 0.34 | 0.52 | 0.69 | 0.98 | 0.25 | 0.40 | 0.43 | 0.56 |
Shareholders Equity per Share |
9.41 | 9.69 | 9.09 | 11.13 | 12.62 | 13.59 | 12.98 | 15.50 | 16.63 | 19.36 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
9.41 | 9.69 | 9.09 | 11.13 | 12.62 | 13.59 | 12.98 | 15.50 | 16.63 | 19.36 |
Free Cash Flow |
160.00 | 188.42 | 211.18 | 269.96 | 257.49 | 376.60 | 244.93 | 458.37 | 555.52 | 608.70 |
Working Capital |
(1,157.98) | (1,278.88) | (1,406.68) | (1,522.14) | (1,660.56) | (1,870.04) | (2,165.83) | (2,391.50) | (2,795.83) | (3,012.37) |
Capital Expenditures |
(14.47) | (9.11) | (5.92) | (6.95) | (5.77) | (8.31) | (5.51) | (5.89) | (4.70) | (5.52) |
Net Current Asset Value |
(1,469.01) | (1,575.10) | (1,679.33) | (1,865.59) | (2,008.44) | (2,283.86) | (2,498.86) | (2,639.47) | (2,956.13) | (3,248.03) |
EV/EBIT |
18.40 | 36.69 | 53.93 | 18.83 | 26.94 | 16.45 | 8.89 | 16.87 | 17.56 | 11.69 |
Capex to Sales |
0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
17.55 | 35.02 | 51.91 | 18.36 | 26.45 | 16.10 | 8.36 | 16.44 | 17.19 | 11.40 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.12 | 0.13 | 0.15 | 0.14 | 0.14 | 0.16 | 0.18 | 0.18 | 0.20 |
Cash ROIC |
16.15% | 18.35% | 21.42% | 22.67% | 19.11% | 24.81% | 15.31% | 29.57% | 31.53% | 31.54% |
Accounts Receivable Turnover |
1.70 | 1.66 | 1.51 | 1.64 | 1.44 | 1.44 | 1.72 | 1.40 | 1.61 | 1.72 |
Accounts Payable Turnover |
0.38 | 0.39 | 0.37 | 0.34 | 0.32 | 0.30 | 0.30 | 0.31 | 0.34 | 0.32 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
968.87 | 973.51 | 1,038.70 | 1,112.63 | 1,190.46 | 1,304.66 | 1,305.49 | 1,216.93 | 1,129.10 | 1,158.87 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
480.56 | 480.53 | 541.51 | 613.65 | 685.19 | 819.06 | 987.16 | 1,079.43 | 1,100.86 | 1,097.30 |
Average Payables |
1,577.24 | 1,667.81 | 1,862.51 | 2,060.35 | 2,259.48 | 2,572.78 | 2,964.34 | 3,285.84 | 3,566.07 | 3,820.66 |
Average Assets |
2,756.55 | 2,862.44 | 3,026.15 | 3,325.39 | 3,742.10 | 4,223.39 | 4,637.69 | 4,973.64 | 5,404.51 | 5,895.14 |
Average Common Equity |
823.52 | 838.58 | 830.22 | 901.12 | 1,065.68 | 1,182.67 | 1,203.35 | 1,295.43 | 1,467.74 | 1,650.08 |
Columns are period end dates