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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.18
RLI's Cash to Debt is ranked lower than
91% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. RLI: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
RLI' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.44 Max: N/A
Current: 0.18
Equity to Asset 0.31
RLI's Equity to Asset is ranked higher than
61% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. RLI: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
RLI' s 10-Year Equity to Asset Range
Min: 0.18  Med: 0.28 Max: 0.34
Current: 0.31
0.18
0.34
Interest Coverage 25.48
RLI's Interest Coverage is ranked lower than
52% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. RLI: 25.48 )
Ranked among companies with meaningful Interest Coverage only.
RLI' s 10-Year Interest Coverage Range
Min: 7.69  Med: 21.38 Max: 88.85
Current: 25.48
7.69
88.85
F-Score: 4
WACC vs ROIC
11.34%
15.05%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.85
RLI's Operating margin (%) is ranked higher than
86% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. RLI: 25.85 )
Ranked among companies with meaningful Operating margin (%) only.
RLI' s 10-Year Operating margin (%) Range
Min: 12.09  Med: 23.16 Max: 37.89
Current: 25.85
12.09
37.89
Net-margin (%) 17.60
RLI's Net-margin (%) is ranked higher than
81% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. RLI: 17.60 )
Ranked among companies with meaningful Net-margin (%) only.
RLI' s 10-Year Net-margin (%) Range
Min: 5.04  Med: 16.67 Max: 26.96
Current: 17.6
5.04
26.96
ROE (%) 15.64
RLI's ROE (%) is ranked higher than
74% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. RLI: 15.64 )
Ranked among companies with meaningful ROE (%) only.
RLI' s 10-Year ROE (%) Range
Min: 9.05  Med: 13.01 Max: 22.98
Current: 15.64
9.05
22.98
ROA (%) 4.87
RLI's ROA (%) is ranked higher than
81% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. RLI: 4.87 )
Ranked among companies with meaningful ROA (%) only.
RLI' s 10-Year ROA (%) Range
Min: 2.31  Med: 3.70 Max: 6.52
Current: 4.87
2.31
6.52
Revenue Growth (3Y)(%) 7.00
RLI's Revenue Growth (3Y)(%) is ranked lower than
51% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. RLI: 7.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RLI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.6  Med: 6.90 Max: 25.1
Current: 7
-0.6
25.1
EBITDA Growth (3Y)(%) 0.70
RLI's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. RLI: 0.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RLI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -7  Med: 8.70 Max: 40.1
Current: 0.7
-7
40.1
EPS Growth (3Y)(%) 1.60
RLI's EPS Growth (3Y)(%) is ranked lower than
79% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. RLI: 1.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RLI' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.4  Med: 4.80 Max: 48.9
Current: 1.6
-6.4
48.9
» RLI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

RLI Guru Trades in Q3 2014

Jim Simons 13,000 sh (New)
Columbia Wanger 858,000 sh (unchged)
Tom Gayner 1,197,272 sh (unchged)
Robert Bruce 149,600 sh (unchged)
Chuck Royce 592,951 sh (-7.55%)
» More
Q4 2014

RLI Guru Trades in Q4 2014

Columbia Wanger 858,000 sh (unchged)
Tom Gayner 1,197,272 sh (unchged)
Jim Simons Sold Out
Robert Bruce 147,520 sh (-1.39%)
Chuck Royce 583,351 sh (-1.62%)
» More
Q1 2015

RLI Guru Trades in Q1 2015

Robert Bruce 147,520 sh (unchged)
Columbia Wanger 858,000 sh (unchged)
Tom Gayner 1,197,272 sh (unchged)
Chuck Royce 501,551 sh (-14.02%)
» More
Q2 2015

RLI Guru Trades in Q2 2015

Tom Gayner 1,197,272 sh (unchged)
Robert Bruce 147,520 sh (unchged)
Chuck Royce 457,751 sh (-8.73%)
Columbia Wanger 664,457 sh (-22.56%)
» More
» Details

Insider Trades

Latest Guru Trades with RLI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.71
RLI's P/E(ttm) is ranked lower than
84% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. RLI: 16.71 )
Ranked among companies with meaningful P/E(ttm) only.
RLI' s 10-Year P/E(ttm) Range
Min: 6.74  Med: 13.02 Max: 24.34
Current: 16.71
6.74
24.34
Forward P/E 23.58
RLI's Forward P/E is ranked lower than
96% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. RLI: 23.58 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.10
RLI's PE(NRI) is ranked lower than
85% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. RLI: 17.10 )
Ranked among companies with meaningful PE(NRI) only.
RLI' s 10-Year PE(NRI) Range
Min: 6.74  Med: 13.03 Max: 24.41
Current: 17.1
6.74
24.41
P/B 2.63
RLI's P/B is ranked lower than
91% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. RLI: 2.63 )
Ranked among companies with meaningful P/B only.
RLI' s 10-Year P/B Range
Min: 1.24  Med: 1.72 Max: 2.78
Current: 2.63
1.24
2.78
P/S 2.91
RLI's P/S is ranked lower than
89% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. RLI: 2.91 )
Ranked among companies with meaningful P/S only.
RLI' s 10-Year P/S Range
Min: 1.67  Med: 2.19 Max: 3.25
Current: 2.91
1.67
3.25
PFCF 15.31
RLI's PFCF is ranked lower than
68% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. RLI: 15.31 )
Ranked among companies with meaningful PFCF only.
RLI' s 10-Year PFCF Range
Min: 4.4  Med: 10.27 Max: 875.87
Current: 15.31
4.4
875.87
POCF 14.83
RLI's POCF is ranked lower than
76% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. RLI: 14.83 )
Ranked among companies with meaningful POCF only.
RLI' s 10-Year POCF Range
Min: 4.35  Med: 10.06 Max: 700.7
Current: 14.83
4.35
700.7
EV-to-EBIT 11.31
RLI's EV-to-EBIT is ranked lower than
71% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. RLI: 11.31 )
Ranked among companies with meaningful EV-to-EBIT only.
RLI' s 10-Year EV-to-EBIT Range
Min: -8.4  Med: 9.00 Max: 19.5
Current: 11.31
-8.4
19.5
PEG 4.38
RLI's PEG is ranked lower than
96% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. RLI: 4.38 )
Ranked among companies with meaningful PEG only.
RLI' s 10-Year PEG Range
Min: 0.22  Med: 0.78 Max: 29.93
Current: 4.38
0.22
29.93
Shiller P/E 17.38
RLI's Shiller P/E is ranked lower than
54% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. RLI: 17.38 )
Ranked among companies with meaningful Shiller P/E only.
RLI' s 10-Year Shiller P/E Range
Min: 9.51  Med: 13.68 Max: 22.06
Current: 17.38
9.51
22.06
Days Sales Outstanding 80.94
RLI's Days Sales Outstanding is ranked higher than
54% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. RLI: 80.94 )
Ranked among companies with meaningful Days Sales Outstanding only.
RLI' s 10-Year Days Sales Outstanding Range
Min: 56.07  Med: 83.08 Max: 552.69
Current: 80.94
56.07
552.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.43
RLI's Dividend Yield is ranked lower than
107% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. RLI: 1.43 )
Ranked among companies with meaningful Dividend Yield only.
RLI' s 10-Year Dividend Yield Range
Min: 1.08  Med: 1.61 Max: 2.35
Current: 1.43
1.08
2.35
Dividend Payout 0.23
RLI's Dividend Payout is ranked higher than
68% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. RLI: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
RLI' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.19 Max: 0.94
Current: 0.23
0.09
0.94
Dividend growth (3y) 6.10
RLI's Dividend growth (3y) is ranked lower than
57% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. RLI: 6.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
RLI' s 10-Year Dividend growth (3y) Range
Min: 5.2  Med: 7.90 Max: 23.3
Current: 6.1
5.2
23.3
Yield on cost (5-Year) 1.82
RLI's Yield on cost (5-Year) is ranked lower than
104% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. RLI: 1.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RLI' s 10-Year Yield on cost (5-Year) Range
Min: 1.41  Med: 2.10 Max: 3.07
Current: 1.82
1.41
3.07
Share Buyback Rate -0.70
RLI's Share Buyback Rate is ranked lower than
52% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. RLI: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
RLI' s 10-Year Share Buyback Rate Range
Min: 6  Med: 0.40 Max: -9.3
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.86
RLI's Price/Tangible Book is ranked lower than
88% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. RLI: 2.86 )
Ranked among companies with meaningful Price/Tangible Book only.
RLI' s 10-Year Price/Tangible Book Range
Min: 1.1  Med: 1.63 Max: 2.87
Current: 2.86
1.1
2.87
Price/Projected FCF 1.36
RLI's Price/Projected FCF is ranked lower than
85% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. RLI: 1.36 )
Ranked among companies with meaningful Price/Projected FCF only.
RLI' s 10-Year Price/Projected FCF Range
Min: 0.28  Med: 0.53 Max: 1.36
Current: 1.36
0.28
1.36
Price/DCF (Earnings Based) 1.61
RLI's Price/DCF (Earnings Based) is ranked lower than
89% of the 9 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. RLI: 1.61 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.34
RLI's Price/Median PS Value is ranked lower than
81% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. RLI: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
RLI' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 0.96 Max: 1.37
Current: 1.34
0.43
1.37
Price/Graham Number 1.44
RLI's Price/Graham Number is ranked lower than
92% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. RLI: 1.44 )
Ranked among companies with meaningful Price/Graham Number only.
RLI' s 10-Year Price/Graham Number Range
Min: 0.63  Med: 0.99 Max: 1.45
Current: 1.44
0.63
1.45
Earnings Yield (Greenblatt) (%) 8.90
RLI's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. RLI: 8.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RLI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.1  Med: 10.10 Max: 28.1
Current: 8.9
5.1
28.1
Forward Rate of Return (Yacktman) (%) 4.92
RLI's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. RLI: 4.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RLI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.4  Med: 15.10 Max: 45.3
Current: 4.92
3.4
45.3

Analyst Estimate

Dec15 Dec16
EPS($) 2.38 2.23
EPS without NRI($) 2.38 2.23

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:TRV, MBI, QBIEY, TKOMY, ALL » details
RLI Corp is an Illinois corporation that was organized in 1965. The Company underwrites selected property and casualty insurance through major subsidiaries collectively known as RLI Insurance Group. It conducts operations principally through four insurance companies. These companies are organized in a vertical structure beneath RLI Corp. with RLI Insurance Company (RLI Ins.) as the first-level, or principal, insurance subsidiary. RLI Ins. writes multiple lines of insurance on an admitted basis in all 50 states, the District of Columbia and Puerto Rico. Mt. Hawley Insurance Company (Mt. Hawley), a subsidiary of RLI Ins., writes excess and surplus lines insurance on an admitted basis in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands and Guam. RLI Indemnity Company (RIC), a subsidiary of Mt. Hawley, has authority to write multiple lines of insurance on an admitted basis in 48 states and the District of Columbia. Contractors Bonding and Insurance Company (CBIC), a subsidiary of RLI Ins., has authority to write multiple lines of insurance on an admitted basis in all 50 states and the District of Columbia. It offers insurance coverages in both the specialty admitted and excess and surplus markets. Coverages in the specialty admitted market, such as its oil and gas surety bonds, are for risks that are unique or hard-to-place in the standard market, but must remain with an admitted insurance company for regulatory or marketing reasons. The Company distributes its property and casualty insurance through its wholly-owned branch offices that market to wholesale producers. It markets certain coverages to retail producers from several of its casualty, surety and property operations. On a direct basis, it offers limited coverages to select insureds, as well as various reinsurance coverages, which are distributed through brokers. The segments of its insurance operations are casualty, property and surety. The casualty segment includes General Liability, Commercial and Personal Umbrella, Commercial Transportation, P&C Package Business, Executive Products, Professional Services, Medical Professional Liability, and Other Casualty. The property segment includes Commercial Property, Marine, Crop Reinsurance, Property Reinsurance, and Other Property. The surety segment includes Miscellaneous, Contract, Commercial, and Oil and Gas. Its competitors include ACE, Arch, Endurance, Navigators, USLI, Great West, Lancer, Baldwin & Lyons, Chubb, Great American, and CAN, Lexington, Aspen, Crum & Forster, Travelers and Markel, HCC, CNA, Safeco, North American Specialty, and Hartford. The Company is subject to regulation by the states and territories in which the insurance subsidiaries are domiciled or transact business.
» More Articles for RLI

Headlines

Articles On GuruFocus.com
10 Dividend Growth Stocks with Single Digit P/Es Jun 22 2011 
Twelve Income Stocks Rewarding Patient Dividend Investors May 09 2011 
RLI Corp. Reports Operating Results (10-K) Feb 25 2011 
Guru Stocks Raising Dividends: RLI Corp., Cardinal Health Inc., Franklin Electric Co. Inc., Talisman May 16 2010 
Companies Raising Dividends: RLI Corp., Cardinal Health, Franklin Electric Co., Talisman Energ, Mols May 10 2010 
RLI Reports Fourth Quarter, Year-End Results Jan 26 2009 

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RLI Declares Regular and Special Dividend Nov 13 2014
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