RLIRLI +0.85%79 10-Year RORE % is 13.48 as of Mar. 2026. GuruFocus rates RLI with a GF Score™ of 79/100 and a GF Value™ of $77.41 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 382 Insurance companies, RLI ranks better than 52.09% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
RLI's 10-Year RORE % for the quarter that ended in Mar. 2026 was 13.48%.
The industry rank for RLI's 10-Year RORE % or its related term are showing as below:
RLI's 10-Year RORE % is ranked better than 52.09% of 382
companies
in the Insurance industry
Industry Median: 12.995
vs RLI: 13.48
RLI (NYSE:RLI) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
RLI 10-Year RORE % Related Terms
RLI 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for RLI's 10-Year RORE % 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 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where RLI's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
RLI (RLI) has a 10-Year RORE % of 13.48 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on RLI and its competitors. According to the industry distribution chart, RLI ranks #183 out of 382 companies in the Insurance industry, placing it in the top 47.9%.
Is RLI's 10-Year RORE % too high?
RLI's current 10-Year RORE % is 13.48. The Insurance industry median 10-Year RORE % is 13.00. RLI's value of 13.48 is 3.7% above this industry median. Based on the distribution chart, RLI ranks #183 out of 382 companies in the Insurance industry, which is above the industry midpoint. Overall, RLI has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does RLI's 10-Year RORE % compare to WTM and SIGI?
According to the Insurance industry distribution chart, RLI ranks #183 out of 382 companies for 10-Year RORE %. This puts RLI in the upper half of its industry. The industry median 10-Year RORE % is 13.00. RLI's value of 13.48 is 3.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 13.00, based on 382 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current 10-Year RORE % of 13.48 is 3.7% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on RLI and its competitors. For the Insurance industry, the median 10-Year RORE % is 13.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current 10-Year RORE % is 13.48. 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 $77.41, compared to a current price of $60.65 — trading 21.7% below its estimated fair value. The current 10-Year RORE % is 13.48 and 3.7% above the Insurance industry median of 13.00. RLI's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For RLI (RLI), the current 10-Year RORE % is 13.48 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 $60.65 is trading 21.7% below its estimated GF Value™ of $77.41.
GuruFocus considers RLI to be Modestly Undervalued.
Key valuation signals for RLI:
10-Year RORE %: 13.48
GF Value™: $77.41 vs. price of $60.65 (21.7% below fair value)
Industry Position: 3.7% above the Insurance median (#183 of 382)
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.
79GF Score
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