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Upturn AI SWOT - About
RLI 
RLI Corp (RLI)
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Upturn Advisory Summary
10/10/2025: RLI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $69.25
1 Year Target Price $69.25
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.56% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.81B USD | Price to earnings Ratio 18.07 | 1Y Target Price 69.25 |
Price to earnings Ratio 18.07 | 1Y Target Price 69.25 | ||
Volume (30-day avg) 8 | Beta 0.56 | 52 Weeks Range 62.04 - 88.55 | Updated Date 10/12/2025 |
52 Weeks Range 62.04 - 88.55 | Updated Date 10/12/2025 | ||
Dividends yield (FY) 0.94% | Basic EPS (TTM) 3.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 0.55 | Actual - |
Profitability
Profit Margin 17.81% | Operating Margin (TTM) 31.09% |
Management Effectiveness
Return on Assets (TTM) 4.47% | Return on Equity (TTM) 19.49% |
Valuation
Trailing PE 18.07 | Forward PE 19.16 | Enterprise Value 5907002460 | Price to Sales(TTM) 3.2 |
Enterprise Value 5907002460 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 3.25 | Enterprise Value to EBITDA - | Shares Outstanding 91829470 | Shares Floating 79724509 |
Shares Outstanding 91829470 | Shares Floating 79724509 | ||
Percent Insiders 1.54 | Percent Institutions 84.59 |
Upturn AI SWOT
RLI Corp
Company Overview
History and Background
RLI Corp was founded in 1965 as Replacement Lens, Inc. Initially focused on providing contact lens insurance, it evolved into a specialty insurance company. It went public in 1969. Over the decades, RLI expanded its product offerings and geographic reach, establishing itself as a leader in niche insurance markets.
Core Business Areas
- Casualty: Provides a wide range of casualty coverages, including commercial and personal umbrella, general liability, and workers' compensation.
- Property: Offers property insurance products such as commercial fire, earthquake, and boiler and machinery coverage.
- Surety: Specializes in surety bonds, including contract and commercial surety.
Leadership and Structure
Jonathan E. Michael is the Chairman & CEO. The organizational structure is based on functional departments with underwriting, claims, and finance managed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Package: RLI's commercial package policies offer customized insurance solutions for businesses. This segment contributes significantly to RLI's revenue. Competitors include Travelers, Chubb, and Hartford Financial Services. Market share within specialty package is roughly 10-15%.
- Excess & Surplus Lines: RLI is a leading provider of excess and surplus lines coverage. This segment represents significant revenue. Competitors include Nationwide, American Financial Group, and W. R. Berkley. Market share within E&S is roughly 5-10%.
- Surety Bonds: RLI provides various surety bonds, including contract, commercial, and fidelity bonds. RLI's surety business consistently delivers strong results. Competitors include The Hartford, Travelers, and CNA Financial. Market share is estimated around 8%.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by increasing complexity and demand for tailored solutions. Factors like economic uncertainty, evolving regulations, and technological advancements are reshaping the industry.
Positioning
RLI Corp holds a strong position in the specialty insurance market, known for its underwriting expertise and consistent profitability. Its competitive advantages include a disciplined underwriting approach, strong distribution network, and focus on niche markets.
Total Addressable Market (TAM)
The TAM for specialty insurance in the US is estimated to be hundreds of billions of dollars. RLI is well-positioned to capture a larger share through its focus on niche segments and strong underwriting capabilities. Exact figures are difficult to pin down given breadth of the industry.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Consistent profitability
- Disciplined risk management
- Focus on niche markets
- Strong distribution network
Weaknesses
- Reliance on niche markets, making it vulnerable to fluctuations in specific sectors
- Smaller size compared to industry giants
- Limited international presence
- Susceptible to significant losses from large catastrophic events
Opportunities
- Expanding into new niche markets
- Leveraging technology to improve efficiency and underwriting accuracy
- Acquiring smaller specialty insurers
- Growing demand for customized insurance solutions
Threats
- Increased competition from larger insurers
- Economic downturns impacting premium volume
- Changes in regulations
- Catastrophic events leading to significant losses
Competitors and Market Share
Key Competitors
- WRB
- AFG
- HIG
- TRV
- CNA
Competitive Landscape
RLI Corp competes with larger, more diversified insurers, but differentiates itself through its focus on niche markets, underwriting expertise, and strong distribution network. RLI's profitability often exceeds that of its larger competitors.
Major Acquisitions
Contractors Bonding and Insurance Company
- Year: 2011
- Acquisition Price (USD millions): 74.5
- Strategic Rationale: Expanded surety offerings.
Growth Trajectory and Initiatives
Historical Growth: RLI Corp has demonstrated consistent revenue and earnings growth over the past decade, driven by its focus on niche markets and underwriting discipline.
Future Projections: Analysts expect RLI Corp to continue to grow at a moderate pace in the coming years, driven by demand for specialty insurance solutions.
Recent Initiatives: Recent strategic initiatives include expanding into new niche markets, investing in technology to improve efficiency, and enhancing its distribution network.
Summary
RLI Corp stands as a financially robust specialty insurer, boasting consistent profitability and underwriting expertise, but faces limitations due to niche market reliance and smaller scale. Strong risk management and strategic niche focus supports continued growth. However, competition from larger insurers and potential catastrophic events poses a threat. RLI's strategic initiatives should continue to focus on technology and targeted market expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- RLI Corp Annual Reports
- RLI Corp Investor Presentations
- SEC Filings
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered investment advice. Market conditions and company performance may change. The AI-based rating is a subjective assessment and should be used as one factor among many in making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About RLI Corp
Exchange NYSE | Headquaters Peoria, IL, United States | ||
IPO Launch date 1985-08-15 | President, CEO & Director Mr. Craig William Kliethermes CPCU, FCAS, MAAA | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1147 | Website https://www.rlicorp.com |
Full time employees 1147 | Website https://www.rlicorp.com | ||
RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products. Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers' compensation for office-based professional coverages; commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, public and private businesses risk, and home business insurance products. This segment also offers coverages for security guards and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages for errors and omission coverage for small to medium-sized design, technical, computer, and miscellaneous professionals. The company's Property segment offers commercial property insurance, such as fire, earthquake, wind, difference in conditions, earthquake, flood, and collapse coverages; insurance for office buildings, apartments, condominiums, and industrial and mercantile structures; and cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. Its Surety segment provides commercial surety bonds for medium and large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company offers reinsurance coverages. It markets its products through branch offices, wholesale and retail brokers, carrier partners, and underwriting and independent agents. RLI Corp. was incorporated in 1965 and is headquartered in Peoria, Illinois.
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