RLISTU:RL1 -2.57%82 EV-to-FCF is 10.98 as of Jul. 09, 2026, which is 29% below its 10-year median of 15.43. GuruFocus rates STU:RL1 with a GF Score™ of 82/100 and a GF Value™ of €67.58 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, RLI ranks worse than 53.44% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, RLI's Enterprise Value is €5,162 Mil.
RLI's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €470 Mil. Therefore, RLI's EV-to-FCF for today is 10.98.
The historical rank and industry rank for RLI's EV-to-FCF or its related term are showing as below:
STU:RL1'
s EV-to-FCF Range Over the Past 10 Years
Min: 8.61 Med: 15.43 Max: 26.91
Current: 10.73
During the past 13 years, the highest EV-to-FCF of RLI was 26.91. The lowest was 8.61. And the median was 15.43.
STU:RL1's EV-to-FCF is ranked worse than 53.44% of 393
companies
in the Insurance industry
Industry Median: 9.72
vs STU:RL1: 10.73
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
As of today (2026-07-09), RLI's stock price is €53.15.
RLI's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €3.676. Therefore, RLI's PE Ratio (TTM) for today is 14.46.
RLI (STU:RL1) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €53.15.
RLI's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.676.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
RLI EV-to-FCF Related Terms
RLI EV-to-FCF Historical Data
* Premium members only.
The historical data trend for RLI's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where RLI's EV-to-FCF falls into.
RLI's current Enterprise Value is €5,162 Mil.
RLI's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €470 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 (STU:RL1) has a EV-to-FCF of 10.98 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on RLI and its competitors. This is 29% below median its historical median of 15.43. Over the past decade, RLI's EV-to-FCF has ranged from 8.61 to 26.91. According to the industry distribution chart, RLI ranks #210 out of 393 companies in the Insurance industry, placing it in the top 53.4%.
Is RLI's EV-to-FCF too high?
RLI's current EV-to-FCF of 10.98 is 29% below median its 10-year median of 15.43. Over the past 10 years, this metric has ranged from a low of 8.61 to a high of 26.91. The Insurance industry median EV-to-FCF is 9.72. RLI's value of 10.98 is 13% above this industry median. Based on the distribution chart, RLI ranks #210 out of 393 companies in the Insurance industry, which is below the industry midpoint. Overall, RLI has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does RLI's EV-to-FCF compare to WTM and SIGI?
According to the Insurance industry distribution chart, RLI ranks #210 out of 393 companies for EV-to-FCF. This places RLI in the lower half of its industry. The industry median EV-to-FCF is 9.72. RLI's value of 10.98 is 13% above this benchmark. Historically, RLI's own EV-to-FCF has ranged from 8.61 to 26.91 over the past decade. While the company's 10-year median is 15.43 vs. the industry median of 9.72, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.72, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current EV-to-FCF of 10.98 is 13% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on RLI and its competitors. For the Insurance industry, the median EV-to-FCF is 9.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current EV-to-FCF is 10.98, which is 29% below median its own 10-year median of 15.43. 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 (STU:RL1) is currently considered Modestly Undervalued. The stock's GF Value™ is €67.58, compared to a current price of €53.15 — trading 21.4% below its estimated fair value. The current EV-to-FCF is 10.98, which is 29% below median its 10-year median of 15.43 and 13% above the Insurance industry median of 9.72. RLI's overall GF Score™ is 82/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For RLI (STU:RL1), the current EV-to-FCF is 10.98 as of Jul. 09, 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 (STU:RL1) Overvalued in 2026?
Based on GuruFocus' analysis, RLI stock appears to be undervalued.
The current stock price of €53.15 is trading 21.4% below its estimated GF Value™ of €67.58.
GuruFocus considers RLI to be Modestly Undervalued.
Key valuation signals for STU:RL1:
EV-to-FCF: 10.98 (29% below median its 10-year median of 15.43)
GF Value™: €67.58 vs. price of €53.15 (21.4% below fair value)
Industry Position: 13% above the Insurance median (#210 of 393)
No single metric tells the full story. See the STU:RL1 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.
82GF Score
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