RLI (RLI) Margin of Safety % (DCF Earnings Based): 11.94% (As of Jun. 24, 2026)


RLI RLI Corp RLI
71 GF Score
Price $54.75
GF Value $77.35
Valuation Modestly Undervalued
! 2 Warning Signs
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What is RLI Margin of Safety % (DCF Earnings Based)?

RLI RLI +1.69% 71 Margin of Safety % (DCF Earnings Based) is 11.94% as of Jun. 24, 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), RLI's Predictability Rank is 2-Stars. RLI's intrinsic value calculated from the Discounted Earnings model is $62.17 and current share price is $54.75. Consequently,

RLI's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 11.94%.

RLI vs LMND, WTM, SIGI: Margin of Safety % (DCF Earnings Based) Comparison

For the Insurance - Property & Casualty subindustry, RLI's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, RLI's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where RLI's Margin of Safety % (DCF Earnings Based) falls into.


RLI
71GF Score
RLI Corp RLI
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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RLI Margin of Safety % (DCF Earnings Based) Calculation

RLI's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(62.17-54.75)/62.17
=11.94 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 11.94% mean?
RLI (RLI) has a Margin of Safety % (DCF Earnings Based) of 11.94% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on RLI.
Is RLI's Margin of Safety % (DCF Earnings Based) too high?
RLI's current Margin of Safety % (DCF Earnings Based) is 11.94%. 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 Margin of Safety % (DCF Earnings Based) compare to LMND and WTM?
RLI's Margin of Safety % (DCF Earnings Based) of 11.94% 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 Margin of Safety % (DCF Earnings Based) for an Insurance company?
A good Margin of Safety % (DCF Earnings Based) depends on the Insurance industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on RLI. RLI's current Margin of Safety % (DCF Earnings Based) is 11.94%. 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 Margin of Safety % (DCF Earnings Based) is 11.94%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For RLI (RLI), the current Margin of Safety % (DCF Earnings Based) is 11.94% as of Jun. 24, 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:

  • Margin of Safety % (DCF Earnings Based): 11.94%
  • GF Value™: $77.35 vs. price of $54.75 (29.2% 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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.75
Price
$77.35
GF Value