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RLIRLI -2.15%79 5-Year Yield-on-Cost % is 1.41 as of Jul. 14, 2026, which is 13% above its 10-year median of 1.25. GuruFocus rates RLI with a GF Score™ of 79/100 and a GF Value™ of $77.35 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 420 Insurance companies, RLI ranks worse than 86.9% on this metric.
RLI's yield on cost for the quarter that ended in Mar. 2026 was 1.41.
The historical rank and industry rank for RLI's 5-Year Yield-on-Cost % or its related term are showing as below:
RLI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.82 Med: 1.25 Max: 2.03
Current: 1.41
During the past 13 years, RLI's highest Yield on Cost was 2.03. The lowest was 0.82. And the median was 1.25.
RLI's 5-Year Yield-on-Cost % is ranked worse than 86.9% of 420
companies
in the Insurance industry
Industry Median: 3.94
vs RLI: 1.41
RLI (NYSE:RLI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
RLI 5-Year Yield-on-Cost % Related Terms
RLI vs WTM, SIGI, MCY: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, RLI's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, RLI's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where RLI's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
RLI (RLI) has a 5-Year Yield-on-Cost % of 1.41 as of Jul. 14, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on RLI and its competitors. This is 13% above median its historical median of 1.25. Over the past decade, RLI's 5-Year Yield-on-Cost % has ranged from 0.82 to 2.03. According to the industry distribution chart, RLI ranks #365 out of 420 companies in the Insurance industry, placing it in the top 86.9%.
Is RLI's 5-Year Yield-on-Cost % too high?
RLI's current 5-Year Yield-on-Cost % of 1.41 is 13% above median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 2.03. The Insurance industry median 5-Year Yield-on-Cost % is 3.94. RLI's value of 1.41 is 64.2% below this industry median. Based on the distribution chart, RLI ranks #365 out of 420 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to WTM and SIGI?
According to the Insurance industry distribution chart, RLI ranks #365 out of 420 companies for 5-Year Yield-on-Cost %. This places RLI in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. RLI's value of 1.41 is 64.2% below this benchmark. Historically, RLI's own 5-Year Yield-on-Cost % has ranged from 0.82 to 2.03 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.94, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RLI's current 5-Year Yield-on-Cost % of 1.41 is 64.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on RLI and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RLI's current 5-Year Yield-on-Cost % is 1.41, which is 13% above median its own 10-year median of 1.25. 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 $60.14 — trading 22.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.41, which is 13% above median its 10-year median of 1.25 and 64.2% below the Insurance industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For RLI (RLI), the current 5-Year Yield-on-Cost % is 1.41 as of Jul. 14, 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 $60.14 is trading 22.2% below its estimated GF Value™ of $77.35.
GuruFocus considers RLI to be Modestly Undervalued.
Key valuation signals for RLI:
5-Year Yield-on-Cost %: 1.41 (13% above median its 10-year median of 1.25)
GF Value™: $77.35 vs. price of $60.14 (22.2% below fair value)
Industry Position: 64.2% below the Insurance median (#365 of 420)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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