COMP <GO>
RLI vs WTM // ALTMAN Z-SCORE & DEBT/EQUITY
RLI Corp. (NYSE) VS. White Mountains Insurance Group Ltd. (NYSE) • 15-METRIC TALLY: RLI 5
— WTM 7
■ METRIC PARITY
LAST: $67.24 (+3.08%) • MKT CAP: $5.98B
balance-sheet
—
LAST: $2,317.42 (+2.09%) • MKT CAP: $5.42B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RLI VS. WTM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RLI | WTM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.50% | 16.40% | -2.90 | WTM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 14.2x | 4.3x | +9.90 | WTM | /valuation <GO> |
| Free Cash Flow Yield | 10.27% | 7.14% | +3.13 | RLI | /fcf-yield <GO> |
| Operating Margin | 26.10% | 36.10% | -10.00 | WTM | /operating-margins <GO> |
| Net Profit Margin | 21.40% | 29.60% | -8.20 | WTM | /net-margins <GO> |
| Revenue Growth (YoY) | 6.30% | 66.80% | -60.50 | WTM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.08% | 0.05% | +4.03 | RLI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | RLI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.0 | 71.9 | -6.90 | WTM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 1.06 | +0.07 | RLI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 4.2x | +9.50 | WTM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.98B | $5.42B | $565.8M | RLI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RLI REV | WTM REV | RLI GROSS % | WTM GROSS % | RLI FCF | WTM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.88B | $3.73B | — | 95.9% | $608.7M | $382.4M |
| FY 2024 | $1.77B | $2.24B | — | 98.7% | $555.5M | $486.0M |
| FY 2023 | $1.51B | $2.17B | — | — | $396.2M | $306.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RLI // BETA 1.13
WTM // BETA 1.06