RLI CORP (RLI) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does RLI CORP Do?
RLI Corp., an insurance holding company, underwrites property and casualty insurance in the United States and internationally. Its Casualty segment provides commercial and personal coverage products; and general liability products, such as coverage for third-party liability of commercial insureds, including manufacturers, contractors, apartments, and mercantile. It also offers coverages for security guards and in the areas of onshore energy-related businesses and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages focuses on providing errors and omission coverage to small to medium-sized design, technical, computer, and miscellaneous professionals. 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 and 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 healthcare liability and home business insurance products. The company's Property segment offers commercial property, cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. Its Surety segment offers commercial surety bonds for medium to large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company also underwrites various reinsurance coverages. It markets its products through branch offices, brokers, carrier partners, and underwriting and independent agents. RLI Corp. was founded in 1965 and is headquartered in Peoria, Illinois. RLI CORP (RLI) is classified as a mid-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Craig W. Kliethermes and employs approximately 1,000 people, headquartered in PEORIA, Illinois. With a market capitalization of $5.2B, RLI is one of the notable companies in the Financials sector.
RLI CORP (RLI) Stock Rating — Hold (April 2026)
As of April 2026, RLI CORP receives a Hold rating with a composite score of 53.6/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.RLI ranks #1,117 out of 4,446 stocks in our coverage universe. Within the Financials sector, RLI CORP ranks #350 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
RLI Stock Price and 52-Week Range
RLI CORP (RLI) currently trades at $58.00. The stock lost $0.69 (1.2%) in the most recent trading session. The 52-week high for RLI is $81.79, which means the stock is currently trading -29.1% from its annual peak. The 52-week low is $55.80, putting the stock 3.9% above its annual trough. Recent trading volume was 563K shares, suggesting relatively thin trading activity.
Is RLI Overvalued or Undervalued? — Valuation Analysis
RLI CORP (RLI) carries a value factor score of 78/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 13.05x, compared to the Financials sector average of 14.88x — a discount of 12%. The price-to-book ratio stands at 2.99x, versus the sector average of 1.22x. The price-to-sales ratio is 2.82x, compared to 0.90x for the average Financials stock. On an enterprise value basis, RLI trades at 3.00x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, RLI CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
RLI CORP Profitability — ROE, Margins, and Quality Score
RLI CORP (RLI) earns a quality factor score of 74/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 22.9%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 6.6% versus the sector average of 1.2%.
On a margin basis, RLI CORP reports gross margins of 0.0%. The operating margin is 93.9% (sector: 21.8%). Net profit margin stands at 21.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 22.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
RLI Debt, Balance Sheet, and Financial Health
RLI CORP has a debt-to-equity ratio of 247.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.41x, suggesting adequate working capital coverage. Total debt on the balance sheet is $100M.
RLI has a beta of 0.22, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for RLI CORP is 86/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
RLI CORP Revenue and Earnings History — Quarterly Trend
In TTM 2026, RLI CORP reported revenue of $1.89B and earnings per share (EPS) of $4.39. Net income for the quarter was $407M. Gross margin was 0.0%. Operating income came in at $1.77B.
In FY 2025, RLI CORP reported revenue of $1.88B and earnings per share (EPS) of $4.39. Net income for the quarter was $403M. Revenue grew 6.3% year-over-year compared to FY 2024. Operating income came in at $1.77B.
In Q3 2025, RLI CORP reported revenue of $509M and earnings per share (EPS) of $1.36. Net income for the quarter was $125M. Revenue grew 8.4% year-over-year compared to Q3 2024. Operating income came in at $479M.
In Q2 2025, RLI CORP reported revenue of $500M and earnings per share (EPS) of $1.35. Net income for the quarter was $124M. Revenue grew 20.0% year-over-year compared to Q2 2024. Operating income came in at $470M.
Over the past 8 quarters, RLI CORP has demonstrated a growth trajectory, with revenue expanding from $416M to $1.89B. Investors analyzing RLI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
RLI Dividend Yield and Income Analysis
RLI CORP (RLI) currently pays a dividend yield of 4.0%. At this yield, a $10,000 investment in RLI stock would generate approximately $$401.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning RLI offers above-average income for its sector. With a net margin of 21.3%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
RLI Momentum and Technical Analysis Profile
RLI CORP (RLI) has a momentum factor score of 30/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 10/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
RLI vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, RLI CORP (RLI) ranks #350 out of 891 stocks based on the Blank Capital composite score. This places RLI in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing RLI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RLI vs S&P 500 (SPY) comparison to assess how RLI CORP stacks up against the broader market across all factor dimensions.
RLI Next Earnings Date
No upcoming earnings date has been announced for RLI CORP (RLI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy RLI? — Investment Thesis Summary
RLI CORP presents a balanced picture with arguments on both sides. The quality score of 74/100 indicates above-average profitability and business fundamentals. The value score of 78/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 30/100, a headwind for near-term performance. Low volatility (stability score 86/100) reduces downside risk.
In summary, RLI CORP (RLI) earns a Hold rating with a composite score of 53.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RLI stock.
Related Resources for RLI Investors
Explore more research and tools: RLI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RLI head-to-head with peers: RLI vs WTM, RLI vs OPY, RLI vs ACT.