RLI 2026 Outlook | Profits, Share Price & Analysis

RLI

NYSE:RLI

$ 65,64

$-0,49 (-0,74%)

65,64 $

$-0,49 (-0,74%)

End-of-day quote: 12/19/2025

RLI Stock Value

Analysts currently see RLI at the level of Hold.

Hold

RLI Company Info

EPS Growth 5Y

17,34%

Market Cap

$6,03 B

Long-Term Debt

$0,20 B

Short Interest

4,73%

Annual earnings

01/23/2026

Dividend

$2,62

Dividend Yield

3,99%

Founded

1965

Industry

Financials

Country

United States

ISIN Number

US7496071074

Website

http://www.rlicorp.com

Analyst Price Target

$64,00

-2.5%

Last Update: 12/20/2025

Analysts: 4

Highest Price Target $85,00

Average Price Target $64,00

Lowest Price Target $53,00

In the last five quarters, RLI’s Price Target has fallen from $116,53 to $93,50 - a -19,76% decrease. Eight analysts predict that RLI’s share price will fall in the coming year, reaching $64,00. This would represent a decrease of -2,50%.

Top growth stocks in the financials sector (5Y.)

What does RLI do?

RLI Corp., through its subsidiaries, underwrites select property, casualty and surety products through major subsidiaries collectively known as RLI Insurance Group. The company conducts operations through three insurance companies. RLI Insurance Company (RLI Ins.), a subsidiary of the company and its principal insurance subsidiary, writes multiple lines of insurance on an admitted basis in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands and Guam. Mt. Hawley Insurance Co...

RLI Corp., through its subsidiaries, underwrites select property, casualty and surety products through major subsidiaries collectively known as RLI Insurance Group.

The company conducts operations through three insurance companies. RLI Insurance Company (RLI Ins.), a subsidiary of the company and its principal insurance subsidiary, writes multiple lines of insurance on an admitted basis in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands and Guam. Mt. Hawley Insurance Company (Mt. Hawley), a subsidiary of RLI Ins., writes excess and surplus lines insurance on a non-admitted basis in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands, and Guam. Contractors Bonding and Insurance Company (CBIC), a subsidiary of RLI Ins., writes multiple lines of insurance on an admitted basis in all 50 states and the District of Columbia.

As a specialty insurance company with a niche focus, the company offers insurance coverages in the specialty admitted and excess and surplus markets. The company distributes its property, casualty and surety products through locations across the country that market to wholesale and retail brokers, independent agents and carrier partners. The company offers limited coverages on a direct basis to select insureds, as well as various reinsurance coverages. From time to time, the company also writes a limited amount of business under agreements with managing general agents under the direction of its product leadership.

Segments

The company operates through Casualty, Property and Surety segments.

Casualty Segment

Commercial Excess and Personal Umbrella

The company’s commercial excess coverage is written in excess of primary liability insurance provided by other carriers, and in some cases, in excess of primary liability written by the company. The personal umbrella coverage is generally written in excess of homeowners’ and automobile liability coverage provided by other carriers.

Commercial Transportation

The company’s transportation insurance 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. The company also offers incidental related insurance coverages, including general liability, excess liability and motor truck cargo.

General Liability

The company’s general liability business consists primarily of third-party liability coverage for commercial insureds including manufacturers, contractors, apartments and mercantile. The company also offers coverages for security guards and environmental liability coverages for underground storage tanks, contractors and asbestos and environmental remediation specialists.

Professional Services

The company offers professional liability coverages focused on providing errors and omission coverage for small to medium-sized design, technical, computer and other miscellaneous professionals. The company’s product suite for these customers also includes a full array of multi-peril package products, including general liability, property, automobile, excess liability and workers’ compensation coverages.

Small Commercial

The company’s small commercial business offers property and casualty insurance coverages for small to mid-sized contractors. The coverages included in these packages are predominantly general liability, but also include some inland marine coverages, as well as commercial automobile, property and excess liability coverage.

Executive Products

The company provides a suite of management liability coverages, such as directors and officers (D&O) liability insurance, fiduciary liability, employment practice liability and fidelity coverages, for a variety of risk classes, including both public and private businesses. The company’s publicly traded D&O appetite generally focuses on offering excess Side A D&O coverage (where corporations cannot indemnify the individual directors and officers) as well as excess full coverage D&O.

Other Casualty

The company offers a variety of other smaller products in its casualty segment, including home business insurance, which provides limited liability and property coverage for a variety of small business owners who work from their own home. The company has a quota share reinsurance agreement with Prime Insurance Company and Prime Property and Casualty Insurance Inc., the two insurance subsidiaries of Prime Holdings Insurance Services, Inc. (Prime). Through the company’s reinsurance agreement with Prime, it assumes general liability, excess, commercial auto, property and professional liability coverages on hard-to-place risks that are written in the excess and surplus and admitted insurance markets. Separately, the company assumes mortgage reinsurance, which provides credit risk transfer on pools of mortgages. The company also offers general liability and package coverages through a binding authority group, a program in which select surplus lines producers are granted limited underwriting authority through its online system to bind business on behalf of the company.

Property Segment

Commercial Property

The company’s commercial property coverage consists primarily of excess and surplus lines and specialty insurance such as fire, earthquake, wind and difference in conditions (DIC), which can include earthquake, flood and collapse coverages. The company provides insurance for a wide range of commercial and industrial risks, such as office buildings, apartments, condominiums and certain industrial and mercantile structures.

Marine

The company’s marine coverages include cargo, hull, protection and indemnity, marine liability, as well as inland marine coverages including builders’ risks and contractors’ equipment. Although the predominant exposures are located within the United States, there is some incidental international exposure written within these coverages.

Other Property

The company offers specialized homeowners’ and dwelling fire insurance in Hawaii, as well as property coverages packaged through its binding authority group.

Surety Segment

Transactional

The company’s transactional surety coverage includes small bonds for businesses and individuals. Examples of these bond types are license and permit, notary and court bonds. The underwriting and delivery of these bonds is highly automated.

Commercial

The company offers a variety of commercial surety bonds for medium to large-sized businesses across a broad spectrum of industries, including the financial, healthcare, energy and renewable energy industries.

Contract

The company offers bonds for small to medium-sized contractors throughout the United States, underwritten on an account basis. Typically, these are performance and payment bonds that guarantee commercial contractors’ contractual obligations for a specific construction project. The company also offers bonds for small and emerging contractors that are reinsured through the Federal Small Business Administration.

Marketing and Distribution

The company distributes its coverages across the country, primarily through wholesale and retail brokers, independent agents, and carrier partners.

Brokers

The company’s commercial property, general liability, commercial surety, executive products, commercial excess, marine and commercial transportation coverages are sold through independent wholesale and retail brokers.

Independent Agents

The company distributes products, such as homeowners’ and dwelling fire, home business, surety, commercial transportation, professional services, small commercial and personal umbrella through independent agents.

Carrier Partners

The company partners with other insurance carriers for home business and personal umbrella coverage. The carriers place this business with the company through their associated agencies when the underlying risk does not meet their underwriting appetite.

Underwriting Agents

The company contracts with select underwriting agencies that have limited authority to bind or underwrite business on its behalf. The underwriting agreements include strict guidelines, and the agents are subject to regular audits.

Direct

The company utilizes digital platforms to efficiently produce, process and service select business, including home business, binding authority, small commercial, personal umbrella and surety.

Competition

The company’s primary competitors in the casualty segment include AIG, Allianz, Arch, Aspen, AXA/IL, Beazley, Berkley, Berkshire/National Indemnity, Chubb, CNA, Great American, Great West, Hartford, Hudson, James River, Kinsale, Lancer, Liberty, Markel, Nationwide, Progressive, RSUI, Sompo, Tokio Marine/HCC, Travelers, USLI, Westchester and Zurich.

The company’s primary competitors in the property segment include AmRisc, Arch, Arrowhead, CNA, Golden Bear, Lexington, Liberty Mutual, Markel, Palomar, RSUI, Special Risk Underwriters, Travelers, Velocity and Westchester.

The company’s primary competitors in the surety segment are AIG, Arch, Beazley, Berkley, Chubb, CNA, Great American, Hartford, Intact, Liberty Mutual, Markel, Merchants, Philadelphia, Sompo, Swiss Re, Travelers and Zurich.

Investments

The company’s investments include fixed income debt securities, common stock equity securities, exchange traded funds (ETFs), and a small number of limited partnership interests.

Regulations

Because the company’s insurance company subsidiaries operate in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands and Guam, the company must comply with the individual insurance laws, regulations, rules and case law of each state and territory, including those regulating the filing of insurance rates and forms. Each of the company’s three insurance company subsidiaries are domiciled in Illinois, with the Illinois Department of Insurance (IDOI) as its principal insurance regulator.

Other federal laws and regulations apply to many aspects of the company and its business operations. These federal regulations include laws such as the Gramm-Leach-Bliley Act, which establishes privacy and security requirements for insurance companies, and enables state departments of insurance to enforce these requirements; and the Fair Credit Reporting Act as amended by the Fair and Accurate Credit Transactions Act, which establishes rules regarding access to and use of information (including but not limited to credit information and motor vehicle reports) from consumer reporting agencies.

Trademarks

The company holds a U.S. federal service mark registration of its corporate name ‘RLI’ and several other company service marks and trademarks with the U.S. Patent and Trademark Office. The duration of these registrations is 10 years, unless renewed.

History

RLI Corp., an Illinois corporation, was founded in 1965. The company was incorporated in 1965.

RLI Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry Revenue: Insurance: 100% (RLI Corp. is a specialized insurance company) Top 3 Markets: Specialty Insurances: approx. 50% Liability Insurances: approx. 30% Property Insurances: approx. 20% RLI Corp. generates its revenue mainly from the specialty insurance sector, which accounts for abou...

At which locations are the company’s products manufactured?

Production Sites: USA RLI Corp. is a US-based company mainly operating in the insurance sector. The company does not produce physical products but offers insurance services. Therefore, "production sites" in the traditional sense are not relevant. The services are mainly provided in the USA...

What strategy does RLI pursue for future growth?

Current dividend yield: 1.1% (2025) Return on equity: 18.5% (2025) RLI Corp. pursues a growth strategy based on three main pillars: diversification of the product portfolio, geographical expansion, and technological innovation. First, the company focuses on expanding its product offerings to tap i...

Which raw materials are imported and from which countries?

Commodities/Materials: No specific commodities Import Countries: No specific countries RLI Corp. is an insurance company mainly active in property and casualty insurance. As a financial services company, it does not import physical commodities or materials like manufacturing companies would. Instead...

How strong is the company’s competitive advantage?

Combined Ratio: 84.2% (2024) Return on Equity (ROE): 18.5% (2024) RLI Corp. has a significant competitive advantage, reflected in an impressively low combined ratio of 84.2% in 2024. A combined ratio below 100% indicates that the company is operating profitably, as it spends less on claims and ope...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 85% (estimated for 2025) Insider Buys/Sells: No significant transactions in the last quarter (2025) The institutional investor share in RLI Corp. remains high, indicating the confidence of large investors in the company's long-term stability and growth potential. These...

What percentage market share does RLI have?

Market share of RLI Corp.: Estimated around 2-3% (2025) Top competitors and their market share: Chubb Limited: around 10% The Travelers Companies, Inc.: around 8% American International Group, Inc. (AIG): around 7% Berkshire Hathaway (insurance sector): around 6% Liberty Mutual Insurance: around 5%...

Is RLI stock currently a good investment?

Revenue Growth: 8.2% (2024) Profit Growth: 9.5% (2024) Dividend Yield: 1.1% (2024) RLI Corp. recorded solid revenue growth of 8.2% in 2024, attributed to strong performance in its core business segments. The company also achieved a profit growth of 9.5%, indicating efficient cost control and improve...

Does RLI pay a dividend – and how reliable is the payout?

Dividend Yield: 1.1% (2025) Dividend History: 48 consecutive years of dividend payment (as of 2025) RLI Corp. pays a dividend and is known for its reliable payout. The company has an impressive history of 48 consecutive years of dividend payment, indicating strong financial stability and a sustainab...

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RLI Stock Value

RLI Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does RLI do?

RLI Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal