COMP <GO>
RLI vs BAC // GROSS PROFIT MARGIN
RLI Corp. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: RLI 7
— BAC 5
■ METRIC PARITY
LAST: $67.24 (+3.08%) • MKT CAP: $5.98B
gross-margins
—
LAST: $49.57 (-0.88%) • MKT CAP: $349.71B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RLI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RLI | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.50% | 2.50% | +11.00 | RLI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 14.2x | 30.2x | -16.00 | RLI | /valuation <GO> |
| Free Cash Flow Yield | 10.27% | 2.10% | +8.17 | RLI | /fcf-yield <GO> |
| Operating Margin | 26.10% | 32.90% | -6.80 | BAC | /operating-margins <GO> |
| Net Profit Margin | 21.40% | 27.00% | -5.60 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 6.30% | 6.80% | -0.50 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.08% | 0.00% | +4.08 | RLI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 7/9 | +2.00 | RLI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.0 | 32.7 | +32.30 | RLI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 0.90 | +0.23 | RLI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 10.9x | +2.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.98B | $349.71B | -$343.72B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RLI REV | BAC REV | RLI GROSS % | BAC GROSS % | RLI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.88B | $113.10B | — | — | $608.7M | $7.52B |
| FY 2024 | $1.77B | $105.86B | — | — | $555.5M | -$13.57B |
| FY 2023 | $1.51B | $102.77B | — | — | $396.2M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RLI // BETA 1.13
BAC // BETA 0.90