RLI Corp.

RLI Corp.

RLIยทNYSE

$50.08

-0.82%
Financial ServicesInsurance - Property & Casualty

RLI Corp., an insurance holding company, underwrites property and casualty insurance in the United States and internationally. Its Casualty segment provides commercial and personal coverage products; and general liability products, such as coverage for third-party liability of commercial insureds, including manufacturers, contractors, apartments, and mercantile. It also offers coverages for security guards and in the areas of onshore energy-related businesses and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages focuses on providing errors and omission coverage to small to medium-sized design, technical, computer, and miscellaneous professionals. This segment provides commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other types of specialty commercial automobile risks; incidental and related insurance coverages; inland marine coverages; management liability coverages, such as directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, and for various classes of risks, including public and private businesses; and healthcare liability and home business insurance products. The company's Property segment offers commercial property, cargo, hull, protection and indemnity, marine liability, inland marine, homeowners' and dwelling fire, and other property insurance products. Its Surety segment offers commercial surety bonds for medium to large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors. The company also underwrites various reinsurance coverages. It markets its products through branch offices, brokers, carrier partners, and underwriting and independent agents. RLI Corp. was founded in 1965 and is headquartered in Peoria, Illinois.

At a Glance

Live Snapshot
Market Cap$4.60B
EPS4.3800
P/E Ratio11.43
Earnings Date07/20/2026
RLI Corp.

RLI Corp. Fair Value Envelope

RLI ยท NYSE

Our analysis suggests that RLI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $50.08, this represents a potential HIDDEN relative to our calculated worth for RLI Corp..

Intrinsic Value
Current Price: $50.08

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$18.7B
+ Cash & Equivalents$51.6M
Firm Value$18.7B
- Debt$100.0M
Equity Value$18.6B
/ Shares Outstanding91,837,835B
DCF Value$203
UNDERVALUED BY 305%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$673.0M
$737.5M
$808.1M
$885.5M
$970.2M
$1.1B
$1.2B
$1.3B
$1.4B
$1.5B
Maintenance CapEx
-$1.2M
-$1.3M
-$1.5M
-$1.6M
-$1.7M
-$1.9M
-$2.1M
-$2.3M
-$2.5M
-$2.8M
Owner Earnings
$671.8M
$736.1M
$806.6M
$883.9M
$968.5M
$1.1B
$1.2B
$1.3B
$1.4B
$1.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$622.1M
$631.1M
$640.3M
$649.7M
$659.1M
$668.8M
$678.5M
$688.4M
$698.4M
$708.6M
Terminal Value represents 64.4% of Enterprise Value