RLI (RLI) Moat Score: 6/10 (As of Jun. 29, 2026)


RLI RLI Corp RLI
71 GF Score
Price $57.88
GF Value $77.35
Valuation Modestly Undervalued
! 2 Warning Signs
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What is RLI Moat Score?

RLI RLI +0.55% 71 Moat Score is 6 as of Jun. 29, 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. Among 601 Insurance companies, RLI ranks better than 95.01% on this metric.

RLI has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

RLI has Narrow Moat: RLI Corp has a strong narrow moat due to its solid brand strength and significant regulatory barriers in the insurance industry. It benefits from economies of scale but lacks the network effects and customer loyalty needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes RLI might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

RLI  (NYSE:RLI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

RLI Moat Score Related Terms

RLI vs WTM, SIGI, MCY: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, RLI's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, RLI's Moat Score distribution charts can be found below:

* The bar in red indicates where RLI's Moat Score falls into.


RLI
71GF Score
RLI Corp RLI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
RLI (RLI) has a Moat Score of 6 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, RLI ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is RLI's Moat Score too high?
RLI's current Moat Score is 6. Based on the distribution chart, RLI ranks #30 out of 601 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 Moat Score compare to WTM and SIGI?
According to the Insurance industry distribution chart, RLI ranks #30 out of 601 companies for Moat Score. This places RLI in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. RLI's current Moat Score is 6. 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 $57.88 — trading 25.2% below its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For RLI (RLI), the current Moat Score is 6 as of Jun. 29, 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 $57.88 is trading 25.2% below its estimated GF Value™ of $77.35. GuruFocus considers RLI to be Modestly Undervalued.

Key valuation signals for RLI:

  • Moat Score: 6
  • GF Value™: $77.35 vs. price of $57.88 (25.2% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.88
Price
$77.35
GF Value