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Upturn AI SWOT - About
RLI 
RLI Corp (RLI)
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Upturn Advisory Summary
08/14/2025: 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 $74.33
1 Year Target Price $74.33
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 1 | Strong 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.13B USD | Price to earnings Ratio 19.06 | 1Y Target Price 74.33 |
Price to earnings Ratio 19.06 | 1Y Target Price 74.33 | ||
Volume (30-day avg) 8 | Beta 0.61 | 52 Weeks Range 65.14 - 88.76 | Updated Date 08/15/2025 |
52 Weeks Range 65.14 - 88.76 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.89% | Basic EPS (TTM) 3.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.7975 | Actual 0.84 |
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 19.06 | Forward PE 22.17 | Enterprise Value 6267892278 | Price to Sales(TTM) 3.37 |
Enterprise Value 6267892278 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 91829504 | Shares Floating 79467387 |
Shares Outstanding 91829504 | Shares Floating 79467387 | ||
Percent Insiders 1.54 | Percent Institutions 83.33 |
Upturn AI SWOT
RLI Corp
Company Overview
History and Background
RLI Corp was founded in 1965 as Replacement Lens, Inc. and initially focused on vision care insurance. It has since evolved into a specialty insurance company providing a range of property and casualty coverages. The company has consistently focused on niche markets and disciplined underwriting.
Core Business Areas
- Casualty: RLI's Casualty segment offers a broad range of coverages, including commercial and personal umbrella, general liability, and professional liability. This segment caters to both standard and excess lines markets.
- Property: The Property segment provides coverages such as commercial property, earthquake, and marine insurance. It also includes RLI's catastrophe-exposed property coverages.
- Surety: RLI's Surety segment focuses on contract and commercial surety bonds. This segment provides financial security and guarantees performance for various obligations.
Leadership and Structure
Jonathan E. Michael is the current Chairman and CEO. RLI Corp maintains a decentralized organizational structure with strong emphasis on underwriting expertise at the individual segment level.
Top Products and Market Share
Key Offerings
- Commercial Surety Bonds: RLI is a leading provider of commercial surety bonds, which guarantee the performance of various obligations. Market share data is difficult to pinpoint precisely, but RLI is considered a significant player in this niche. Competitors include Travelers, CNA Surety, and Liberty Mutual Surety.
- Excess & Surplus Lines Insurance: RLI offers excess and surplus lines insurance, catering to risks that standard insurers may not cover. They hold a solid, but hard to pin down marketshare in niche segments. Competitors include Markel, W.R. Berkley, and Nationwide.
- Transportation Insurance: RLI offers transportation insurance products and competes with companies like Great West Casualty Company and Progressive. Exact market share is difficult to pinpoint.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by higher risk, specialized underwriting, and a focus on niche markets. The industry is influenced by economic cycles, interest rates, and regulatory changes.
Positioning
RLI Corp is positioned as a specialty insurer with a strong focus on underwriting profitability. Its competitive advantage lies in its expertise in niche markets and its disciplined underwriting approach.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated to be in the hundreds of billions of dollars annually. RLI is positioned to capture a growing share of this TAM through its expertise in niche markets and disciplined underwriting.
Upturn SWOT Analysis
Strengths
- Strong underwriting discipline
- Expertise in niche markets
- Consistent profitability
- Solid financial strength
- Experienced management team
Weaknesses
- Limited brand recognition compared to larger insurers
- Susceptibility to large catastrophe losses
- Reliance on niche markets for growth
Opportunities
- Expansion into new niche markets
- Growth through strategic acquisitions
- Leveraging technology to improve efficiency
- Capitalizing on favorable pricing environments
Threats
- Increased competition from larger insurers
- Economic downturn impacting demand for insurance
- Changes in regulatory environment
- Impact of climate change on catastrophe losses
Competitors and Market Share
Key Competitors
- WRB
- SIGI
- THG
- RE
Competitive Landscape
RLI benefits from its specialized knowledge and is smaller than some of the other players that makes it more nimble. It has high profit margins, so it can weather price adjustments from competitors.
Major Acquisitions
Contractors Bonding and Insurance Company
- Year: 2021
- Acquisition Price (USD millions): 76.7
- Strategic Rationale: The acquisition of CBIC expanded RLI's surety capabilities and market presence. The deal was done to strengthen their service offerings and grow faster than organic growth would allow.
Growth Trajectory and Initiatives
Historical Growth: RLI has achieved consistent revenue and earnings growth over the past decade, driven by its disciplined underwriting approach and focus on niche markets.
Future Projections: Analysts project continued revenue and earnings growth for RLI, supported by its strong competitive position and favorable industry trends. Exact projections vary by analyst.
Recent Initiatives: RLI has recently focused on expanding its digital capabilities and investing in new technologies to improve efficiency and enhance customer service.
Summary
RLI Corp is a fundamentally strong specialty insurance company with a history of consistent profitability and growth. Its expertise in niche markets and disciplined underwriting approach provide a competitive advantage. While susceptible to catastrophe losses and reliant on niche markets, RLI is well-positioned for future success. RLI is generally a well rated and run company but one must look at the valuation when considering a stock such as this. A downturn in any of it's niche markets would be cause for concern.
Peer Comparison
Sources and Disclaimers
Data Sources:
- RLI Corp. Investor Relations
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data is based on available information and may not be precise.
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, 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
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