Price
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Signal Score (90d)
120Revenue
$575.57M+112.80%Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.88B | $403.34M | $4.38 |
| 2024 | $1.77B | $345.78M | $3.78 |
| 2023 | $1.51B | $304.61M | $3.34 |
| 2022 | $1.70B | $583.41M | $6.43 |
| 2021 | $1.18B | $279.35M | $3.09 |
Social Signal Score
Earnings
Mon, Oct 19(in 2 months)
Consensus estimate $0.54 per share
Typical surprise +12.0% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 22$0.83 vs $0.72beat
- Wed, Apr 22$0.83 vs $0.85miss
- Wed, Jan 21$0.94 vs $0.81beat
- Mon, Oct 20$0.83 vs $0.71beat
- Mon, Jul 21$0.84 vs $0.75beat
- Wed, Apr 23$0.92 vs $0.88beat
Estimates and results for RLI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by RLI officers and directors.
- Bought
- $1.5m
- Sold
- —
9 trades
0 trades
- Kellogg Clark Cbought
- Duclos David B.bought
- Kliethermes Craig Wbought
- Kliethermes Craig Wbought
- Klobnak Jennifer Lbought
- Kliethermes Craig Wbought
- Klobnak Jennifer Lbought
- Kliethermes Craig Wbought
91 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from RLI's reported EPS growth of 9.1% a year over 4 years.
- EPS in 5 years
- $6.76
- Implied price
- $101.40
- Return from $62.88
- 10.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $50.41 — -19.8% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 11 | 13 | 15 | 17 | 19 |
|---|---|---|---|---|---|
| -0.9% | -6.1% | -2.9% | -0.1% | 2.5% | 4.8% |
| 4.1% | -1.3% | 2.0% | 5.0% | 7.6% | 10.1% |
| 9.1% | 3.4% | 6.9% | 10.0% | 12.8% | 15.4% |
| 14.1% | 8.2% | 11.8% | 15.1% | 18.0% | 20.6% |
| 19.1% | 12.9% | 16.7% | 20.1% | 23.2% | 25.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (1)
- Newszacks.com·5h ago·Positive
RLI's Underwriting Discipline Supports Consistent Profitability RLI's decentralized underwriting model drives sustained profitability, with disciplined risk selection supporting strong margins and shareholder returns.
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