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RLIRLI -6.73%81 EV-to-EBITDA is 10.54 as of Jul. 31, 2026, which is 38% below its 10-year median of 17.13. GuruFocus rates RLI with a GF Score™ of 81/100 and a GF Value™ of $76.78 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 346 Insurance companies, RLI ranks worse than 65.32% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, RLI's enterprise value is $5,884 Mil.
RLI's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $558 Mil. Therefore, RLI's EV-to-EBITDA for today is 10.54.
The historical rank and industry rank for RLI's EV-to-EBITDA or its related term are showing as below:
RLI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.66 Med: 17.13 Max: 51.04
Current: 10.54
During the past 13 years, the highest EV-to-EBITDA of RLI was 51.04. The lowest was 5.66. And the median was 17.13.
RLI's EV-to-EBITDA is ranked worse than 65.32% of 346
companies
in the Insurance industry
Industry Median: 8.215
vs RLI: 10.54
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-07-31), RLI's stock price is $61.23.
RLI's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.757. Therefore, RLI's PE Ratio (TTM) for today is 12.87.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
RLI's share price for today is $61.23.
RLI's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.757.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for RLI's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, RLI's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
RLI EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where RLI's EV-to-EBITDA falls into.
RLI's current Enterprise Value is $5,884 Mil.
RLI's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $558 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RLI (RLI) has a EV-to-EBITDA of 10.54 as of Jul. 31, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on RLI. This is 38% below median its historical median of 17.13. Over the past decade, RLI's EV-to-EBITDA has ranged from 5.66 to 51.04. According to the industry distribution chart, RLI ranks #226 out of 346 companies in the Insurance industry, placing it in the top 65.3%.
Is RLI's EV-to-EBITDA too high?
RLI's current EV-to-EBITDA of 10.54 is 38% below median its 10-year median of 17.13. Over the past 10 years, this metric has ranged from a low of 5.66 to a high of 51.04. The Insurance industry median EV-to-EBITDA is 8.22. RLI's value of 10.54 is 28.3% above this industry median. Based on the distribution chart, RLI ranks #226 out of 346 companies in the Insurance industry, which is below the industry midpoint. Overall, RLI has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does RLI's EV-to-EBITDA compare to SIGI and WTM?
According to the Insurance industry distribution chart, RLI ranks #226 out of 346 companies for EV-to-EBITDA. This places RLI in the lower half of its industry. The industry median EV-to-EBITDA is 8.22. RLI's value of 10.54 is 28.3% above this benchmark. Historically, RLI's own EV-to-EBITDA has ranged from 5.66 to 51.04 over the past decade. While the company's 10-year median is 17.13 vs. the industry median of 8.22, RLI has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.22, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current EV-to-EBITDA of 10.54 is 28.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on RLI. For the Insurance industry, the median EV-to-EBITDA is 8.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current EV-to-EBITDA is 10.54, which is 38% below median its own 10-year median of 17.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RLI stock overvalued right now?
Based on GuruFocus' analysis, RLI (RLI) is currently considered Modestly Undervalued. The stock's GF Value™ is $76.78, compared to a current price of $61.23 — trading 20.3% below its estimated fair value. The current EV-to-EBITDA is 10.54, which is 38% below median its 10-year median of 17.13 and 28.3% above the Insurance industry median of 8.22. RLI's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For RLI (RLI), the current EV-to-EBITDA is 10.54 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is RLI (RLI) Overvalued in 2026?
Based on GuruFocus' analysis, RLI stock appears to be undervalued.
The current stock price of $61.23 is trading 20.3% below its estimated GF Value™ of $76.78.
GuruFocus considers RLI to be Modestly Undervalued.
Key valuation signals for RLI:
EV-to-EBITDA: 10.54 (38% below median its 10-year median of 17.13)
GF Value™: $76.78 vs. price of $61.23 (20.3% below fair value)
Industry Position: 28.3% above the Insurance median (#226 of 346)
No single metric tells the full story. See the RLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RLI Corp underwrites property and casualty insurance through its subsidiaries. The company offers insurance coverage in the specialty admitted market, where the products are designed for special risks. It also offers products in the excess and surplus markets, which provides an alternative for customers with risks or loss exposures that generally cannot be written in the standard admitted market. RLI distributes property and casualty insurance through its wholly-owned branch offices that market to wholesale and retail producers. The company's insurance operation segments include Casualty, Property, and Surety, and it derives a majority of its revenue from the Casualty segment.
81GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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