RLISTU:RL1 +2.30%78 OCF Margin % is 10.10% as of Mar. 2026, which is 63% below its 10-year median of 27.08. GuruFocus rates STU:RL1 with a GF Score™ of 78/100 and a GF Value™ of €67.78 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, RLI ranks better than 83.67% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. RLI's Cash Flow from Operations for the
three
months ended in Mar. 2026 was €37 Mil. RLI's Revenue for the
three
months ended in Mar. 2026 was €367 Mil. Therefore, RLI's OCF Margin % for the quarter that ended in Mar. 2026 was 10.10%.
The historical rank and industry rank for RLI's OCF Margin % or its related term are showing as below:
STU:RL1'
s OCF Margin % Range Over the Past 10 Years
Min: 14.75 Med: 27.08 Max: 32.63
Current: 29.12
During the past 13 years, the highest OCF Margin % of RLI was 32.63%. The lowest was 14.75%. And the median was 27.08%.
STU:RL1's OCF Margin % is ranked better than 83.67% of 502
companies
in the Insurance industry
Industry Median: 10.855
vs STU:RL1: 29.12
RLI OCF Margin % Related Terms
RLI OCF Margin % Historical Data
* Premium members only.
The historical data trend for RLI's OCF 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.
STU:RL1 vs LMND, WTM, SIGI: OCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, RLI's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's OCF Margin % distribution charts can be found below:
* The bar in red indicates where RLI's OCF 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 (STU:RL1) has a OCF Margin % of 10.10% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on RLI and its competitors. This is 63% below median its historical median of 27.08. Over the past decade, RLI's OCF Margin % has ranged from 14.75 to 32.63. According to the industry distribution chart, RLI ranks #82 out of 502 companies in the Insurance industry, placing it in the top 16.3%.
Is RLI's OCF Margin % too high?
RLI's current OCF Margin % of 10.10% is 63% below median its 10-year median of 27.08. Over the past 10 years, this metric has ranged from a low of 14.75 to a high of 32.63. The Insurance industry median OCF Margin % is 10.86. RLI's value of 10.10% is 7% below this industry median. Based on the distribution chart, RLI ranks #82 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 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does RLI's OCF Margin % compare to LMND and WTM?
According to the Insurance industry distribution chart, RLI ranks #82 out of 502 companies for OCF Margin %. This places RLI in the top 16% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.86. RLI's value of 10.10% is 7% below this benchmark. Historically, RLI's own OCF Margin % has ranged from 14.75 to 32.63 over the past decade. While the company's 10-year median is 27.08 vs. the industry median of 10.86, RLI has consistently been below 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current OCF Margin % of 10.10% is 7% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on RLI and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current OCF Margin % is 10.10%, which is 63% below median its own 10-year median of 27.08. 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 Significantly Undervalued. The stock's GF Value™ is €67.78, compared to a current price of €47.18 — trading 30.4% below its estimated fair value. The current OCF Margin % is 10.10%, which is 63% below median its 10-year median of 27.08 and 7% below the Insurance industry median of 10.86. RLI's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For RLI (STU:RL1), the current OCF Margin % is 10.10% 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 (STU:RL1) Overvalued in 2026?
Based on GuruFocus' analysis, RLI stock appears to be undervalued.
The current stock price of €47.18 is trading 30.4% below its estimated GF Value™ of €67.78.
GuruFocus considers RLI to be Significantly Undervalued.
Key valuation signals for STU:RL1:
OCF Margin %: 10.10% (63% below median its 10-year median of 27.08)
GF Value™: €67.78 vs. price of €47.18 (30.4% below fair value)
Industry Position: 7% below the Insurance median (#82 of 502)
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.
78GF Score
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