Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
RLI 
RLI Corp (RLI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $77.25
Year Target Price $77.25
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.57% | 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 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.63B USD | Price to earnings Ratio 23.84 | 1Y Target Price 77.25 |
Price to earnings Ratio 23.84 | 1Y Target Price 77.25 | ||
Volume (30-day avg) 8 | Beta 0.66 | 52 Weeks Range 66.58 - 88.76 | Updated Date 06/30/2025 |
52 Weeks Range 66.58 - 88.76 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.90% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.22% | Operating Margin (TTM) 18.87% |
Management Effectiveness
Return on Assets (TTM) 4.05% | Return on Equity (TTM) 17.99% |
Valuation
Trailing PE 23.84 | Forward PE 23.47 | Enterprise Value 6618194784 | Price to Sales(TTM) 3.82 |
Enterprise Value 6618194784 | Price to Sales(TTM) 3.82 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 91773000 | Shares Floating 79413960 |
Shares Outstanding 91773000 | Shares Floating 79413960 | ||
Percent Insiders 1.54 | Percent Institutions 82.75 |
Analyst Ratings
Rating 3 | Target Price 77.25 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
RLI Corp
Company Overview
History and Background
RLI Corp was founded in 1965 as Replacement Lens, Inc., primarily focusing on vision care products. It later shifted its focus to specialty insurance, becoming RLI Corp. It has grown steadily through organic expansion and strategic acquisitions, becoming a leading specialty insurer.
Core Business Areas
- Casualty: Provides casualty insurance products, including commercial and personal umbrella, general liability, and professional liability coverage. This segment constitutes a significant portion of RLI's revenue.
- Property: Offers property insurance products, including commercial property, earthquake, and marine coverage. The Property segment often requires higher levels of risk management due to exposure to large events.
- Surety: Specializes in surety bonds, which guarantee performance and financial obligations. This includes contract and commercial surety bonds.
Leadership and Structure
Jonathan E. Michael is the Chairman & CEO. The company is structured with dedicated teams for each insurance segment, supported by central functions like finance, actuarial, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Package: Combines multiple coverages (property, liability, crime, auto) for businesses into a single policy. Market share data is not publicly available for this specific combined product. Competitors include Travelers, Chubb, and The Hartford.
- Excess and Surplus (E&S) Lines: Offers specialized insurance solutions for unique or high-risk situations. E&S lines are not easily measurable by market share but are crucial for businesses that may have difficulty acquiring insurance. Competitors include Markel, WR Berkley, and Kinsale Capital Group.
- Surety Bonds: RLI has a prominent position in the Surety bond market. Competitors include Travelers, CNA Surety, and The Hartford.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by tailored coverage, underwriting expertise, and higher profit margins compared to standard lines. It is driven by businesses seeking coverage for unique risks.
Positioning
RLI Corp positions itself as a specialist insurer with a strong underwriting discipline, focusing on niche markets and specialized risks. Its competitive advantages include experienced underwriters, a strong capital base, and a focus on profitability.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated to be in the hundreds of billions of dollars. RLI Corp is well-positioned to capture a portion of this TAM through its expertise in specific niche markets.
Upturn SWOT Analysis
Strengths
- Strong underwriting discipline
- Specialized market expertise
- Consistent profitability
- Solid financial position
- Experienced management team
Weaknesses
- Concentration in specific niche markets
- Reliance on independent agents
- Vulnerability to large catastrophic events in Property segment
Opportunities
- Expansion into new specialty insurance lines
- Increased demand for E&S coverage
- Strategic acquisitions to broaden capabilities
- Technological advancements to improve underwriting and efficiency
Threats
- Increased competition in niche markets
- Economic downturn impacting demand for insurance
- Changes in regulatory environment
- Unexpected large-scale claims from catastrophic events
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- MKL
- KNSL
Competitive Landscape
RLI Corp differentiates itself through its specialized underwriting expertise and focus on niche markets. This allows it to maintain higher profit margins compared to larger, more diversified competitors. However, it also faces competition from other specialty insurers.
Major Acquisitions
Contractors Bonding and Insurance Company
- Year: 2011
- Acquisition Price (USD millions): 157.2
- Strategic Rationale: Expanded RLI's presence in the surety market, adding expertise in contract surety bonds.
Growth Trajectory and Initiatives
Historical Growth: RLI Corp has demonstrated steady growth over the past decade, driven by strong underwriting and expansion into new markets.
Future Projections: Analysts project continued growth for RLI Corp, supported by its specialty insurance focus and disciplined underwriting practices.
Recent Initiatives: RLI Corp has focused on expanding its digital capabilities and investing in technology to improve underwriting efficiency.
Summary
RLI Corp is a strong specialty insurance company with a history of profitable underwriting. Its niche market focus and experienced management team have allowed it to generate consistent returns. While vulnerable to major catastrophic events, RLI's disciplined underwriting and strong capital base mitigate these risks. Moving forward, competition and regulatory changes present potential challenges, but opportunities exist to expand into new lines and leverage technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- RLI Corp Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and company specifics can change rapidly. Consult with a qualified financial advisor before making any 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 | ||
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, underwrites property, casualty, and surety insurance products. The Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; and package business and other specialty coverages, including professional liability and workers' compensation for office-based professionals. 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. In addition, 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 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 home business insurance products. The Property segment offers commercial property coverage that consists of excess and surplus lines and specialty 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. This segment also provides cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. The 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
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.