RLI (RLI) LT-Debt-to-Total-Asset: 0.05 (As of Mar. 2026)


RLI RLI Corp RLI
71 GF Score
Price $58.74
GF Value $77.35
Valuation Modestly Undervalued
! 2 Warning Signs
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What is RLI LT-Debt-to-Total-Asset?

RLI RLI +0.58% 71 LT-Debt-to-Total-Asset is 0.05 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. RLI's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.05.

RLI's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.05). It may suggest that RLI is progressively becoming more dependent on debt to grow their business.

RLI  (NYSE:RLI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

RLI LT-Debt-to-Total-Asset Related Terms

RLI LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for RLI's LT-Debt-to-Total-Asset 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.

RLI LT-Debt-to-Total-Asset Chart

RLI Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.04 0.00 0.00 0.00

RLI Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.02 0.02 0.00 0.05
RLI
71GF Score
RLI Corp RLI
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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RLI LT-Debt-to-Total-Asset Calculation

RLI's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=0/6161.486
=0.00

RLI's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=297.247/6401.823
=0.05

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.05 mean?
RLI (RLI) has a LT-Debt-to-Total-Asset of 0.05 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on RLI and its competitors.
Is RLI's LT-Debt-to-Total-Asset too high?
RLI's current LT-Debt-to-Total-Asset is 0.05. 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 LT-Debt-to-Total-Asset compare to WTM and SIGI?
RLI's LT-Debt-to-Total-Asset of 0.05 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on RLI and its competitors. RLI's current LT-Debt-to-Total-Asset is 0.05. 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 $58.74 — trading 24.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.05. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For RLI (RLI), the current LT-Debt-to-Total-Asset is 0.05 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 $58.74 is trading 24.1% below its estimated GF Value™ of $77.35. GuruFocus considers RLI to be Modestly Undervalued.

Key valuation signals for RLI:

  • LT-Debt-to-Total-Asset: 0.05
  • GF Value™: $77.35 vs. price of $58.74 (24.1% below fair value)
  • GF Score™: 71/100 with 2 warning signs

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 Business Description

Other Exchanges RL1:Germany
Address 9025 North Lindbergh Drive, Peoria, IL, USA, 61615
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$58.74
Price
$77.35
GF Value