RLIRLI +1.69%71 FCF Margin % is 9.85% as of Mar. 2026, which is 63% below its 10-year median of 26.45. GuruFocus rates RLI with a GF Score™ of 71/100 and a GF Value™ of $77.35 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, RLI ranks better than 84.86% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. RLI's Free Cash Flow for the
three
months ended in Mar. 2026 was $42 Mil. RLI's Revenue for the
three
months ended in Mar. 2026 was $424 Mil. Therefore, RLI's FCF Margin % for the quarter that ended in Mar. 2026 was 9.85%.
The historical rank and industry rank for RLI's FCF Margin % or its related term are showing as below:
RLI'
s FCF Margin % Range Over the Past 10 Years
Min: 14.4 Med: 26.45 Max: 32.34
Current: 28.86
During the past 13 years, the highest FCF Margin % of RLI was 32.34%. The lowest was 14.40%. And the median was 26.45%.
RLI's FCF Margin % is ranked better than 84.86% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs RLI: 28.86
RLI FCF Margin % Related Terms
RLI FCF Margin % Historical Data
* Premium members only.
The historical data trend for RLI's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's FCF Margin % distribution charts can be found below:
* The bar in red indicates where RLI's FCF Margin % falls into.
* 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 FCF Margin % of 9.85% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on RLI and its competitors. This is 63% below median its historical median of 26.45. Over the past decade, RLI's FCF Margin % has ranged from 14.40 to 32.34. According to the industry distribution chart, RLI ranks #76 out of 502 companies in the Insurance industry, placing it in the top 15.1%.
Is RLI's FCF Margin % too high?
RLI's current FCF Margin % of 9.85% is 63% below median its 10-year median of 26.45. Over the past 10 years, this metric has ranged from a low of 14.40 to a high of 32.34. The Insurance industry median FCF Margin % is 9.63. RLI's value of 9.85% is 2.3% above this industry median. Based on the distribution chart, RLI ranks #76 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, RLI has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does RLI's FCF Margin % compare to LMND and WTM?
According to the Insurance industry distribution chart, RLI ranks #76 out of 502 companies for FCF Margin %. This places RLI in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.63. RLI's value of 9.85% is 2.3% above this benchmark. Historically, RLI's own FCF Margin % has ranged from 14.40 to 32.34 over the past decade. While the company's 10-year median is 26.45 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current FCF Margin % of 9.85% is 2.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on RLI and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current FCF Margin % is 9.85%, which is 63% below median its own 10-year median of 26.45. 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 $77.35, compared to a current price of $54.75 — trading 29.2% below its estimated fair value. The current FCF Margin % is 9.85%, which is 63% below median its 10-year median of 26.45 and 2.3% above the Insurance industry median of 9.63. RLI's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For RLI (RLI), the current FCF Margin % is 9.85% as of Mar. 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 $54.75 is trading 29.2% below its estimated GF Value™ of $77.35.
GuruFocus considers RLI to be Modestly Undervalued.
Key valuation signals for RLI:
FCF Margin %: 9.85% (63% below median its 10-year median of 26.45)
GF Value™: $77.35 vs. price of $54.75 (29.2% below fair value)
Industry Position: 2.3% above the Insurance median (#76 of 502)
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.
71GF Score
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