RLI Corp (RLI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of RLI Corp $40.33, price $56.85, upside -29.1%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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RLI Corp
RLI · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $43.93 – $87.12 · fair‑value band $28.36 – $50.42 · the $56.85 price screens above the $40.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products.
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RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products. Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers' compensation for office-based professional coverages; commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, public and private businesses risk, and home business insurance products. This segment also offers coverages for security guards and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages for errors and omission coverage for small to medium-sized design, technical, computer, and miscellaneous professionals. The company's Property segment offers commercial property insurance, such as fire, wind, difference in conditions, earthquake, flood, and collapse coverages; insurance for office buildings, apartments, condominiums, and industrial and mercantile structures; and cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. Its Surety segment provides commercial surety bonds for medium and large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company offers reinsurance coverages. It markets its products through branch offices, wholesale and retail brokers, carrier partners, and underwriting and independent agents. RLI Corp. was incorporated in 1965 and is headquartered in Peoria, Illinois.
Stock analysis
RLI Corp (RLI) currently trades at $56.85, while our model-based Fair Value estimate is $40.33, implying the stock looks roughly 41.0% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $39.50 per share, and 1 of the 6 models we run sit above the $56.85 price.
Bear case: the Asset-Based group reads lowest at $12.96, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $28.36 (bear) to $50.42 (bull), the price of $56.85 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
RLI Corp reported revenue of $1.9B in FY2025 versus $1.2B in FY2021, a compound +12.3%/yr. Reported net income was $403M in FY2025, compounding +9.6%/yr from FY2021.
Key figures
Market cap $5.2B · P/E ratio 13.3 · P/S ratio 2.84 · EPS (TTM) $4.29 · Dividend yield 1.1% · Net margin 21.4% · Return on equity 23.2% · Return on assets (EBIT) 9.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at −29%, RLI screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 53
Revenue & earnings trend
Growth Forecast
RLI screens 41% overvalued. Compare with The Progressive Corporation →
Compare RLI Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 119 stocks
Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $206.94 | $160.25 | −23% |
| Chubb Limited CB | $335.77 | $234.73 | −30% |
| The Travelers Companies, Inc TRV | $362.01 | $274.42 | −24% |
| The Allstate Corporation ALL | $229.50 | $316.11 | +38% |
| The People's Insurance Company 601319 | ¥8.07 | ¥9.25 | +15% |
| PICC Property and Casualty Company 2328 | HK$16.84 | HK$18.92 | +12% |
| Intact Financial Corporation IFC | C$254.29 | C$167.46 | −34% |
| Fairfax Financial Holdings FFH | C$2,260 | C$3,226 | +43% |
| Cincinnati Financial Corporation CINF | $165.83 | $146.70 | −12% |
| W. R. Berkley Corporation WRB | $68.17 | $47.08 | −31% |
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