Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Why RLI Stock surged +3.08% Today — RQD Quant Desk Flash
RLI Corp. (RLI) earns a Roarable Rating of B+ (Buy) with 80/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
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Is RLI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, RLI Corp. (NYSE: RLI) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 80/100 at a spot price of $67.24 (+3.08% 1D, market cap $5.98B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, RLI ranks #8 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does RLI compare to ESNT and SIGI in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), RLI carries a Roarable B+ (80/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 13.5%. By comparison, ESNT (Essent Group Ltd.) holds a B+ grade (77/100 RQD, P/E 8.8x, ROIC 11.9%, cap $6.02B) and SIGI (Selective Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 12.6x, ROIC 6.8%, cap $5.83B). Among the 5-stock peer group, MTG leads on earnings multiple (8.0x) while MCY leads on capital efficiency (22.4% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for RLI?
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Per RLI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000084246), RLI Corp. generated $1.88B in revenue (+6.3% YoY), $403.3M in net income, and $608.7M in free cash flow against $6.16B in total assets and $1.97B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)
20D Institutional Volume Accumulation (±5.5% realized swing band)
Balance-sheet & 10-K footnote risk deducts 5 pts from forensic ceiling
⚔️ Adversarial Opposing Case: Why the RLI Bull Thesis Could Fail
Even with a 80/100 (B+) score, RLI faces multiple-compression risk if 14.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($60.61) or 200D SMA ($58.67) invalidates the momentum regime and cuts Target Base ($73.90) toward Bear Floor ($55.14).
Why RLI Stock surged +3.08% Today — RQD Quant Desk Flash
RLI Corp. (RLI) surged +3.08% to $67.24, trading at 99% of its 52-week range ($47.26 – $67.28). High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 99% of its 52-week range ($47.26 – $67.28) with RSI-14 at 65 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.5% around $67.24 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B+ (Buy) backed by 52% gross margin and $608.7M annual free cash flow.
Investing.com report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
The stocks featured in this article are seeing some big returns. Over the past month, they’ve outpaced the market due to some combination of positive news, upbeat results, or supportive macro developments. As such, inves
RLI Corp. (RLI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (RLI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RLI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RLI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RLI. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RLI)
1. Head-to-Head Financials Peer Comparison (RLI vs. ESNT, SIGI, MTG, MCY)
Industry: Property-Casualty Insurers (68 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, RLI Corp. (RLI) ranks #8 by composite RQD confidence (80/100, grade B+) and #244 by equity capitalization ($5.98B). Within this direct 5-issuer industry benchmark cohort, MTG leads on earnings valuation at 8.0x trailing P/E, while MCY leads on capital efficiency and profitability with 22.4% ROIC and — gross margin. RLI currently leads its immediate peer cohort in composite quantitative strength at 80/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RLI
ACTIVE
RLI Corp. | B+ | 80/100 | 14.7x | — | 13.5% | +3.08% | $5.98B | Benchmark Subject |
| ESNT Essent Group Ltd. | B+ | 77/100 | 8.8x | — | 11.9% | +1.82% | $6.02B | /esnt-vs-rli → |
| SIGI Selective Insurance Group Inc. | B | 74/100 | 12.6x | — | 6.8% | +1.95% | $5.83B | /sigi-vs-rli → |
| MTG MGIC Investment Corporation | B | 72/100 | 8.0x | — | 13.2% | +1.87% | $5.83B | /mtg-vs-rli → |
| MCY Mercury General Corporation | B | 72/100 | 10.5x | — | 22.4% | +1.28% | $5.67B | /mcy-vs-rli → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000084246 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), RLI Corp. (RLI) reported GAAP revenue of $1.88B (+6.3% vs. FY2024 revenue of $1.77B , and +24.5% cumulative change since FY2023) , GAAP net income of $403.3M, operating cash flow of $614.2M, and free cash flow of $608.7M (+9.6% YoY). On the balance sheet, RLI closed FY2025 with $6.16B in total assets against $1.97B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 9/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.88B | $403.3M | $614.2M | $608.7M | $6.16B | $1.97B |
| FY2024 (FY) | 2024-12-31 | $1.77B | $345.8M | $560.2M | $555.5M | $5.63B | $1.85B |
| FY2023 (FY) | 2023-12-31 | $1.51B | $304.6M | $464.3M | $396.2M | $3.26B | $762.9M |
3. RLI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs RLI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, RLI Corp. (NYSE: RLI) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 80/100 at a spot price of $67.24 (+3.08% 1D, market cap $5.98B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, RLI ranks #8 in composite RQD confidence.
How does RLI compare to ESNT and SIGI in the Financials sector?
Within the Financials sector (Property-Casualty Insurers), RLI carries a Roarable B+ (80/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 13.5%. By comparison, ESNT (Essent Group Ltd.) holds a B+ grade (77/100 RQD, P/E 8.8x, ROIC 11.9%, cap $6.02B) and SIGI (Selective Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 12.6x, ROIC 6.8%, cap $5.83B). Among the 5-stock peer group, MTG leads on earnings multiple (8.0x) while MCY leads on capital efficiency (22.4% ROIC).
What are the biggest fundamental strengths and SEC risk factors for RLI?
Per RLI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000084246), RLI Corp. generated $1.88B in revenue (+6.3% YoY), $403.3M in net income, and $608.7M in free cash flow against $6.16B in total assets and $1.97B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is RLI trading relative to its 50-day, 200-day, and 52-week technical levels?
RLI last traded at $67.24 (+3.08% on volume of 734,923 shares), positioning the stock +10.94% above its 50-day simple moving average ($60.61) and +14.61% above its 200-day simple moving average ($58.67). Across its 52-week range of $47.26 to $67.28, RLI sits at the 99.8% percentile with a 14-day RSI of 65.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.5% ($63.54 to $70.94).
RLI — RLI Corp.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
RLI Corp. (RLI) earns a live Roarable RQD composite score of 80/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $67.24 (+3.08% 1D, market capitalization $5.98B).
- Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 13.5%, gross margin of —, operating margin of 26.1%, and free cash flow yield of 10.27%.
- Whale 13F & Options Flow (16/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (16/20) + Forensic Balance Sheet (15/20): Incorporates a 1.13x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 9/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
RLI Corp. Is a NYSE-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry. It is a Delaware common stock issuer with a market capitalization of $5.9B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), RLI Corp. (RLI) reported $1.88B in annual revenue (up from $1.77B in FY2024, +6.3% YoY) and $403.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.51B revenue, $304.6M net income) through FY2025, RLI scaled operating cash flow to $614.2M and free cash flow to $608.7M, backed by $6.16B in total assets against $1.97B in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (B+ • RQD 80/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $47.26 – $67.28 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.7x trailing P/E and 14.2x EV/EBITDA against 26.1% operating margins and a 1.13x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
The source data therefore does not identify upstream suppliers, downstream customers, or sector correlations beyond the Financials sector and Property-Casualty Insurers industry labels. A prospective investor should note that second-order ripples such as catastrophe-loss cycles, reinsurance pricing, or interest-rate effects on investment income are not quantified in the supplied data and would need independent verification.
- Key Question #1: Can RLI sustain or expand its 26.1% operating margin and 13.5% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $1.88B and free cash flow of $608.7M, how will capital allocation balance growth reinvestment against $1.97B in total debt?
- Key Question #3: How sensitive is RLI's 13.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.13x)?
RLI Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for RLI Corp. (RLI) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering RLI Corp. (RLI) market action, institutional positioning, and fundamental catalysts.
RLI Bull vs. Bear Conversation Board — What's Your Call at $67.24?
RLI scores 18/20 on insider conviction and 10.27% FCF yield, with FY 2025 FCF of $608.7M exceeding net income of $403.3M.
RLI scores 18/20 on insider conviction and 10.27% FCF yield, with FY 2025 FCF of $608.7M exceeding net income of $403.3M.. When you look under the hood at RLI, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 13.5% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $67.28. My 12M target is $75.01.
@ForensicBear Fair point on 14.7x trailing P/E, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Reported debt rose from $762.9M in FY 2023 to $1.97B in FY 2025, and the Butterfly Supply-Chain Graph provides no supply-chain links
Careful chasing RLI at $65.23. Reported debt rose from $762.9M in FY 2023 to $1.97B in FY 2025, and the Butterfly Supply-Chain Graph provides no supply-chain links to assess that exposure.. Gross margin is 0.0%, but operating margin is 26.1%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $50.23 on multiple compression.