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RLI (RLI) Financials

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$49.84 +0.83 (+1.69%)
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Annual Income Statements for RLI

Annual Income Statements for RLI

This table shows RLI's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 138 115 105 64 192 157 279 583 305 346 403
Consolidated Net Income / (Loss)		 138 115 105 64 192 157 279 583 305 346 403
Net Income / (Loss) Continuing Operations		 138 115 105 64 192 157 279 583 305 346 403
Total Pre-Tax Income 		197 157 85 68 233 190 344 721 377 428 506
Total Revenue		 787 809 790 811 996 976 1,172 1,690 1,505 1,764 1,877
Net Interest Income / (Expense)		 -7.43 -7.43 -7.43 -7.44 -7.59 -7.60 -7.68 -8.05 -7.30 -6.33 -5.36
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 7.43 7.43 7.43 7.44 7.59 7.60 7.68 8.05 7.30 6.33 5.36
Long-Term Debt Interest Expense		 7.43 7.43 7.43 7.44 7.59 7.60 7.68 8.05 7.30 6.33 5.36
Total Non-Interest Income		 795 816 797 818 1,004 984 1,179 1,698 1,512 1,770 1,882
Net Realized & Unrealized Capital Gains on Investments		 94 88 62 27 164 118 198 554 218 244 268
Premiums Earned		 700 729 738 791 839 866 981 1,144 1,294 1,526 1,614
Total Non-Interest Expense		 591 652 705 743 763 786 864 969 1,137 1,337 1,371
Property & Liability Insurance Claims		 299 350 402 428 413 443 457 514 604 739 726
Insurance Policy Acquisition Costs		 241 250 253 268 289 286 317 370 418 464 508
Other Operating Expenses		 61 63 68 63 82 77 90 95 114 128 133
Other Special Charges		 -11 -11 -17 -16 -21 -20 - -9.85 - 4.87 3.92
Income Tax Expense		 59 42 -20 3.40 41 33 65 137 73 82 103
Basic Earnings per Share		 $3.18 $2.63 $2.39 $1.45 $4.28 $3.49 $6.18 $6.43 $3.34 $3.78 $4.39
Weighted Average Basic Shares Outstanding		 43.30M 43.77M 44.03M 44.36M 44.73M 45M 45.23M 90.74M 91.19M 91.53M 91.83M
Diluted Earnings per Share		 $3.12 $2.59 $2.36 $1.43 $4.23 $3.46 $6.11 $6.37 $3.31 $3.74 $4.37
Weighted Average Diluted Shares Outstanding		 44.13M 44.43M 44.50M 44.84M 45.26M 45.38M 45.71M 91.59M 92.16M 92.45M 92.39M
Weighted Average Basic & Diluted Shares Outstanding		 43.30M 43.70M 43.90M 44.30M 44.92M 45.15M 45.29M 45.51M 45.66M 91.76M 91.92M
Cash Dividends to Common per Share		 $2.75 $2.79 $2.58 $1.87 $1.91 $1.95 $2.99 - $1.54 $2.57 $2.63

Quarterly Income Statements for RLI

This table shows RLI's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 14 115 128 82 95 41 63 124 125 91 55
Consolidated Net Income / (Loss)		 14 115 128 82 95 41 63 124 125 91 55
Net Income / (Loss) Continuing Operations		 14 115 128 82 95 41 63 124 125 91 55
Total Pre-Tax Income 		15 143 160 103 117 47 79 157 157 114 67
Total Revenue		 330 432 443 415 468 438 406 498 508 464 422
Net Interest Income / (Expense)		 -1.87 -1.37 -1.62 -1.60 -1.62 -1.49 -1.34 -1.35 -1.36 -1.31 -2.35
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 1.87 1.37 1.62 1.60 1.62 1.49 1.34 1.35 1.36 1.31 2.35
Long-Term Debt Interest Expense		 1.87 1.37 1.62 1.60 1.62 1.49 1.34 1.35 1.36 1.31 2.35
Total Non-Interest Income		 332 434 445 416 470 439 408 500 509 466 424
Net Realized & Unrealized Capital Gains on Investments		 13 88 84 37 81 42 9.32 98 102 59 12
Premiums Earned		 318 346 361 379 389 397 398 402 408 406 411
Total Non-Interest Expense		 315 285 283 312 352 390 328 342 351 351 354
Property & Liability Insurance Claims		 190 146 144 168 202 226 177 185 188 176 193
Insurance Policy Acquisition Costs		 103 111 110 114 118 122 124 126 129 130 132
Other Operating Expenses		 24 33 34 31 33 30 30 34 35 33 31
Other Special Charges		 -1.73 - -4.77 -1.65 -1.24 13 -3.05 -2.47 -1.54 11 -2.15
Income Tax Expense		 1.48 29 32 21 22 6.57 15 32 33 22 12
Basic Earnings per Share		 $0.30 $1.26 $1.40 $0.90 $1.04 $0.45 $0.69 $1.35 $1.36 $0.99 $0.60
Weighted Average Basic Shares Outstanding		 45.62M 91.19M 91.37M 91.47M 91.56M 91.53M 91.77M 91.83M 91.85M 91.83M 91.93M
Diluted Earnings per Share		 $0.29 $1.26 $1.39 $0.89 $1.03 $0.45 $0.68 $1.34 $1.35 $0.99 $0.60
Weighted Average Diluted Shares Outstanding		 46.07M 92.16M 92.33M 92.36M 92.44M 92.45M 92.53M 92.52M 92.31M 92.39M 92.19M
Weighted Average Basic & Diluted Shares Outstanding		 45.63M 45.66M 45.71M 45.75M 45.82M 91.76M 91.77M 91.83M 91.84M 91.92M 91.94M
Cash Dividends to Common per Share		 $0.27 $1.14 - - - $2.15 $0.15 $0.16 $0.16 $2.16 $0.16

Annual Cash Flow Statements for RLI

This table details how cash moves in and out of RLI's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -20 7.19 6.00 5.87 16 16 27 -66 14 3.37 12
Net Cash From Operating Activities		 153 174 198 217 277 263 385 250 464 560 614
Net Cash From Continuing Operating Activities		 153 174 198 217 277 263 385 250 464 560 614
Net Income / (Loss) Continuing Operations		 138 115 105 64 192 157 279 583 305 346 403
Consolidated Net Income / (Loss)		 138 115 105 64 192 157 279 583 305 346 403
Depreciation Expense		 5.41 6.43 6.94 7.04 8.16 7.43 7.39 7.98 8.55 7.66 8.13
Non-Cash Adjustments to Reconcile Net Income		 -40 -26 -35 15 -63 -47 -133 -547 -74 -73 -76
Changes in Operating Assets and Liabilities, net		 50 79 121 131 140 145 232 206 225 280 279
Net Cash From Investing Activities		 -61 -54 -81 -134 -185 -168 -275 49 -212 -319 -362
Net Cash From Continuing Investing Activities		 -61 -54 -81 -134 -185 -168 -275 49 -212 -319 -362
Purchase of Property, Leasehold Improvements and Equipment		 -10 -16 -9.24 -6.09 -6.96 -5.77 -8.31 -5.89 -5.91 -4.71 -5.52
Purchase of Investment Securities		 -712 -602 -476 -862 -640 -614 -895 -2,108 -827 -921 -1,500
Sale of Property, Leasehold Improvements and Equipment		 0.08 1.69 0.13 0.17 - 0.00 0.00 0.38 0.03 0.01 0.00
Sale and/or Maturity of Investments		 654 563 403 734 463 451 628 2,162 621 607 1,143
Net Cash From Financing Activities		 -112 -114 -110 -77 -76 -79 -83 -365 -239 -238 -240
Net Cash From Continuing Financing Activities		 -112 -114 -110 -77 -76 -79 -83 -365 -239 -238 -240
Issuance of Debt		 - - - - 0.00 0.00 50 0.00 100 73 50
Repayment of Debt		 - - - - - - 0.00 0.00 -200 -73 -50
Payment of Dividends		 -120 -122 -114 -83 -86 -88 -135 -365 -140 -236 -242
Other Financing Activities, Net		 8.05 8.84 3.50 6.08 9.49 8.65 1.84 -0.47 1.25 -2.33 1.24

Quarterly Cash Flow Statements for RLI

This table details how cash moves in and out of RLI's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -97 360 -63 -136 -209 411 -116 -180 -148 456 -45
Net Cash From Operating Activities		 99 122 71 142 219 128 104 175 179 157 43
Net Cash From Continuing Operating Activities		 - 464 0.00 - - 557 0.00 - - 614 0.00
Net Income / (Loss) Continuing Operations		 - 305 0.00 - - 346 0.00 - - 403 0.00
Net Cash From Investing Activities		 15 -0.33 -53 -124 -195 53 -103 -166 -133 40 -280
Net Cash From Continuing Investing Activities		 15 -0.33 -53 -124 -195 53 -103 -166 -133 40 -280
Purchase of Property, Leasehold Improvements and Equipment		 -2.66 -0.46 -1.09 -2.75 -0.35 -0.52 -1.05 -1.31 -1.38 -1.79 -1.06
Purchase of Investment Securities		 -215 -218 -140 -279 -253 -189 -198 -357 -570 -375 -213
Sale and/or Maturity of Investments		 233 218 88 158 58 242 96 192 438 417 -65
Net Cash From Financing Activities		 -112 -104 -9.75 -12 -14 -202 -13 -15 -15 -198 234
Net Cash From Continuing Financing Activities		 -112 -104 -9.75 -12 -14 -202 -13 -15 -15 -198 234
Issuance of Debt		 - 50 - - - 73 0.00 - - - 297
Repayment of Debt		 - -50 - - - -73 0.00 - - - -50
Payment of Dividends		 -12 -104 -12 -13 -13 -197 -14 -15 -15 -198 -15
Other Financing Activities, Net		 0.82 -0.15 2.59 0.86 -0.41 -5.37 0.93 -0.00 0.12 0.20 1.83

Annual Balance Sheets for RLI

This table presents RLI's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,735 2,778 2,947 3,105 3,546 3,938 4,508 4,767 5,180 5,629 6,161
Trading Account Securities		 1,984 2,047 2,163 2,208 2,548 2,849 3,195 557 647 793 54
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,667 2,856 3,176 0.00
Accrued Investment Income		 15 15 15 14 15 16 18 21 24 28 30
Premises and Equipment, Net		 47 55 56 55 53 51 52 50 47 43 41
Unearned Premiums Asset		 196 179 192 224 254 288 298 328 333 355 337
Deferred Acquisition Cost		 70 73 78 85 85 88 104 128 147 166 173
Intangible Assets		 71 64 59 55 54 54 54 54 54 54 54
Other Assets		 340 327 360 435 491 529 700 940 1,037 974 5,474
Total Liabilities & Shareholders' Equity		 2,735 2,778 2,947 3,105 3,546 3,938 4,508 4,767 5,180 5,629 6,161
Total Liabilities		 1,912 1,954 2,094 2,298 2,550 2,803 3,279 3,590 3,767 4,107 4,383
Short-Term Debt		 - - - - - - 0.00 - 100 100 100
Long-Term Debt		 149 149 149 149 149 149 200 200 - - 0.00
Claims and Claim Expense		 1,104 1,139 1,272 1,461 1,574 1,750 2,044 2,316 2,446 2,693 2,887
Unearned Premiums Liability		 422 434 451 497 540 586 680 785 892 984 992
Other Long-Term Liabilities		 238 232 169 146 220 241 257 289 328 329 405
Total Equity & Noncontrolling Interests		 823 824 854 807 995 1,136 1,229 1,177 1,414 1,522 1,778
Total Preferred & Common Equity		 823 824 854 807 995 1,136 1,229 1,177 1,414 1,522 1,778
Total Common Equity		 823 824 854 807 995 1,136 1,229 1,177 1,414 1,522 1,778
Common Stock		 288 297 309 306 322 336 344 353 363 369 378
Retained Earnings		 805 797 789 908 1,014 1,084 1,228 1,446 1,610 1,720 1,881
Treasury Stock		 -404 -404 -402 -401 -401 -401 -403 -405 -407 -406 -407
Accumulated Other Comprehensive Income / (Loss)		 124 123 158 -15 52 109 50 -229 -166 -174 -88
Other Equity Adjustments		 11 11 - 8.35 7.98 8.29 9.64 12 14 13 14

Quarterly Balance Sheets for RLI

This table presents RLI's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,212 4,836 5,066 5,084 5,338 5,512 5,792 5,729 5,991 6,247 6,402
Trading Account Securities		 2,973 52 55 56 66 67 65 57 61 64 56
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 19 21 23 25 25 27 27 28 31 30 30
Premises and Equipment, Net		 50 49 48 49 47 47 45 42 42 41 40
Unearned Premiums Asset		 339 326 342 337 338 410 362 360 374 355 362
Deferred Acquisition Cost		 129 135 148 151 153 167 172 170 181 181 176
Intangible Assets		 54 54 54 54 54 54 54 54 54 54 54
Other Assets		 924 4,199 4,396 4,412 4,656 4,741 5,067 5,019 5,248 5,523 5,684
Total Liabilities & Shareholders' Equity		 5,212 4,836 5,066 5,084 5,338 5,512 5,792 5,729 5,991 6,247 6,402
Total Liabilities		 3,818 3,532 3,714 3,784 3,818 3,927 4,043 4,125 4,256 4,373 4,605
Short-Term Debt		 150 200 200 - - - - - - - 50
Long-Term Debt		 50 - - 100 100 100 100 100 100 100 297
Claims and Claim Expense		 2,323 2,286 2,362 2,489 2,532 2,545 2,612 2,743 2,807 2,873 2,928
Unearned Premiums Liability		 786 801 891 906 905 993 1,011 976 1,034 1,036 992
Other Long-Term Liabilities		 295 245 261 290 281 290 321 306 315 364 339
Total Equity & Noncontrolling Interests		 1,394 1,304 1,352 1,299 1,521 1,585 1,748 1,604 1,735 1,874 1,796
Total Preferred & Common Equity		 1,394 1,304 1,352 1,299 1,521 1,585 1,748 1,604 1,735 1,874 1,796
Total Common Equity		 1,394 1,304 1,352 1,299 1,521 1,585 1,748 1,604 1,735 1,874 1,796
Common Stock		 353 356 358 361 367 370 372 372 374 376 381
Retained Earnings		 1,679 1,532 1,598 1,599 1,725 1,794 1,876 1,769 1,879 1,989 1,921
Treasury Stock		 -402 -405 -406 -406 -406 -406 -405 -405 -406 -406 -405
Accumulated Other Comprehensive Income / (Loss)		 -245 -191 -211 -268 -179 -187 -107 -144 -125 -97 -113
Other Equity Adjustments		 9.05 12 13 13 13 13 12 12 13 13 12

Annual Metrics And Ratios for RLI

This table displays calculated financial ratios and metrics derived from RLI's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.18 $2.63 $2.39 $1.45 $4.28 $3.49 $6.18 $6.43 $3.34 $3.78 $4.39
Adjusted Weighted Average Basic Shares Outstanding		 43.30M 43.77M 44.03M 44.36M 44.73M 45M 45.23M 90.74M 91.19M 91.53M 91.83M
Adjusted Diluted Earnings per Share		 $3.12 $2.59 $2.36 $1.43 $4.23 $3.46 $6.11 $6.37 $3.31 $3.74 $4.37
Adjusted Weighted Average Diluted Shares Outstanding		 44.13M 44.43M 44.50M 44.84M 45.26M 45.38M 45.71M 91.59M 92.15M 92.45M 92.39M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.58M 43.96M 44.24M 44.51M 44.92M 45.15M 45.29M 91.03M 91.32M 91.76M 91.92M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for RLI

This table displays calculated financial ratios and metrics derived from RLI's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 91,920,177.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 91,920,177.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.60
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -61.63% 21.20% 22.13% 9.22% 42.01% 1.27% -8.32% 20.16% 8.44% - 3.74%
EBITDA Growth		 -97.30% 31.57% 34.60% 7.57% 677.85% -67.81% -50.85% 51.51% 34.60% - -14.36%
EBIT Growth		 -97.30% 31.57% 34.60% 7.57% 677.85% -67.81% -50.85% 51.51% 34.60% - -14.36%
NOPAT Growth		 -96.92% 17.15% 33.71% 5.59% 602.03% -64.35% -50.58% 51.64% 31.13% - -13.18%
Net Income Growth		 -96.92% 17.15% 29.44% 5.59% 602.03% -64.35% -50.58% 51.64% 31.13% - -13.18%
EPS Growth		 -96.98% 17.15% 28.84% 5.33% 610.34% -64.35% -51.08% 50.56% 31.07% - -11.76%
Operating Cash Flow Growth		 -12.16% 476.30% 2.50% -18.67% 122.49% 4.93% 45.91% 23.19% -18.30% - -58.62%
Free Cash Flow Firm Growth		 -15.33% -114.50% 119.95% 77.92% -270.10% -211.52% -284.41% 49.62% 99.66% - -1,799.34%
Invested Capital Growth		 -12.22% 9.90% 7.77% 8.56% 32.11% 7.17% 5.15% 8.90% 6.81% - 25.78%
Revenue Q/Q Growth		 -13.16% 31.02% 2.56% -6.40% 12.91% -6.57% -7.15% 22.68% 1.89% - -9.23%
EBITDA Q/Q Growth		 -84.36% 881.07% 8.58% -35.43% 13.09% -59.40% 65.78% 99.05% 0.47% - -40.72%
EBIT Q/Q Growth		 -84.36% 881.07% 8.58% -35.43% 13.09% -59.40% 65.78% 99.05% 0.47% - -40.72%
NOPAT Q/Q Growth		 -82.57% 746.72% 11.59% -35.89% 15.90% -57.00% 54.71% 96.69% 0.22% - -39.80%
Net Income Q/Q Growth		 -82.57% 746.72% 11.59% -35.89% 15.90% -57.00% 54.71% 96.69% 0.22% - -39.80%
EPS Q/Q Growth		 -82.84% 746.72% 11.69% -35.74% 15.73% -57.00% 51.11% 97.06% 0.75% - -39.39%
Operating Cash Flow Q/Q Growth		 -43.46% 23.80% -41.88% 99.91% 54.68% -41.61% -19.18% 68.79% 2.58% - -72.68%
Free Cash Flow Firm Q/Q Growth		 190.44% -110.42% 150.60% -563.13% -596.66% 80.92% 70.05% -26.53% 95.25% - -132.98%
Invested Capital Q/Q Growth		 -9.84% 8.18% 7.09% 3.95% 9.71% -12.25% 5.07% 7.65% 7.60% - 14.13%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 4.55% 34.10% 36.10% 24.90% 24.94% 10.84% 19.35% 31.40% 30.96% - 15.98%
EBIT Margin		 4.55% 34.10% 36.10% 24.90% 24.94% 10.84% 19.35% 31.40% 30.96% - 15.98%
Profit (Net Income) Margin		 4.10% 26.52% 28.86% 19.76% 20.29% 9.34% 15.56% 24.94% 24.53% - 13.02%
Tax Burden Percent		 90.13% 79.91% 79.94% 79.37% 81.34% 86.14% 80.39% 79.44% 79.25% - 81.50%
Interest Burden Percent		 100.00% 97.34% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 9.87% 20.09% 20.06% 20.63% 18.66% 13.86% 19.61% 20.56% 20.75% - 18.50%
Return on Invested Capital (ROIC)		 3.92% 27.61% 29.28% 19.79% 21.97% 10.51% 16.16% 25.67% 23.75% - 12.81%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.92% 27.61% 29.28% 19.79% 21.97% 10.51% 16.16% 25.67% 23.75% - 12.81%
Return on Net Nonoperating Assets (RNNOA)		 0.44% 3.20% 3.11% 2.02% 1.44% 0.72% 1.03% 1.55% 1.31% - 1.68%
Return on Equity (ROE)		 4.36% 30.81% 32.39% 21.81% 23.42% 11.22% 17.20% 27.21% 25.06% - 14.49%
Cash Return on Invested Capital (CROIC)		 32.25% 11.64% 13.88% 12.68% -1.83% 15.14% 11.89% 9.86% 11.89% - -2.31%
Operating Return on Assets (OROA)		 1.26% 10.32% 11.25% 7.63% 8.07% 3.54% 6.04% 9.89% 9.52% - 4.98%
Return on Assets (ROA)		 1.14% 8.02% 8.99% 6.05% 6.56% 3.05% 4.86% 7.85% 7.54% - 4.06%
Return on Common Equity (ROCE)		 4.36% 30.81% 32.39% 21.81% 23.42% 11.22% 17.20% 27.21% 25.06% - 14.49%
Return on Equity Simple (ROE_SIMPLE)		 22.16% 0.00% 21.94% 21.33% 24.00% 0.00% 17.52% 18.65% 18.84% - 21.99%
Net Operating Profit after Tax (NOPAT)		 14 115 128 82 95 41 63 124 125 - 55
NOPAT Margin		 4.10% 26.52% 28.86% 19.76% 20.29% 9.34% 15.56% 24.94% 24.53% - 13.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Operating Expenses to Revenue		 95.45% 65.90% 63.90% 75.10% 75.06% 89.16% 80.65% 68.60% 69.04% - 84.02%
Earnings before Interest and Taxes (EBIT)		 15 147 160 103 117 47 79 157 157 - 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 147 160 103 117 47 79 157 157 - 67
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 4.66 4.17 4.45 4.06 4.06 4.96 4.60 3.82 3.20 - 2.92
Price to Tangible Book Value (P/TBV)		 4.86 4.34 4.61 4.20 4.18 5.14 4.75 3.94 3.29 - 3.01
Price to Revenue (P/Rev)		 4.24 3.92 4.27 3.97 4.03 4.28 4.27 3.66 3.24 - 2.77
Price to Earnings (P/E)		 21.05 19.35 20.26 19.02 16.90 21.84 26.22 20.49 16.97 - 13.27
Dividend Yield		 0.80% 4.33% 1.90% 2.01% 1.84% 6.24% 3.22% 3.60% 4.01% - 4.63%
Earnings Yield		 4.75% 5.17% 4.94% 5.26% 5.92% 4.58% 3.81% 4.88% 5.89% - 7.53%
Enterprise Value to Invested Capital (EV/IC)		 4.40 3.94 4.23 3.88 3.89 4.69 4.38 3.67 3.08 - 2.61
Enterprise Value to Revenue (EV/Rev)		 4.31 3.96 4.33 4.03 4.09 4.32 4.33 3.72 3.29 - 2.95
Enterprise Value to EBITDA (EV/EBITDA)		 18.54 15.45 16.40 15.34 13.63 17.49 21.58 16.84 13.84 - 11.30
Enterprise Value to EBIT (EV/EBIT)		 18.54 15.80 16.40 15.34 13.63 17.81 21.58 16.84 13.84 - 11.30
Enterprise Value to NOPAT (EV/NOPAT)		 21.39 19.56 20.56 19.32 17.14 22.02 26.58 20.80 17.25 - 14.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 19.88 12.84 14.72 15.07 12.97 13.59 12.60 10.75 10.40 - 10.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.76 35.41 31.65 31.83 0.00 32.08 37.80 38.78 26.80 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.08 0.07 0.07 0.06 0.06 0.07 0.06 0.06 0.05 - 0.19
Long-Term Debt to Equity		 0.08 0.00 0.07 0.06 0.06 0.00 0.06 0.06 0.05 - 0.17
Financial Leverage		 0.11 0.12 0.11 0.10 0.07 0.07 0.06 0.06 0.06 - 0.13
Leverage Ratio		 3.82 3.84 3.60 3.60 3.57 3.68 3.54 3.47 3.32 - 3.57
Compound Leverage Factor		 3.82 3.74 3.60 3.60 3.57 3.68 3.54 3.47 3.32 - 3.57
Debt to Total Capital		 7.15% 6.61% 6.17% 5.94% 5.41% 6.17% 5.87% 5.45% 5.07% - 16.20%
Short-Term Debt to Total Capital		 0.00% 6.61% 0.00% 0.00% 0.00% 6.17% 0.00% 0.00% 0.00% - 2.33%
Long-Term Debt to Total Capital		 7.15% 0.00% 6.17% 5.94% 5.41% 0.00% 5.87% 5.45% 5.07% - 13.87%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 92.85% 93.39% 93.83% 94.06% 94.59% 93.83% 94.13% 94.55% 94.93% - 83.80%
Debt to EBITDA		 0.30 0.26 0.24 0.23 0.19 0.23 0.29 0.25 0.23 - 0.70
Net Debt to EBITDA		 0.30 0.16 0.24 0.23 0.19 0.14 0.29 0.25 0.23 - 0.70
Long-Term Debt to EBITDA		 0.30 0.00 0.24 0.23 0.19 0.00 0.29 0.25 0.23 - 0.60
Debt to NOPAT		 0.35 0.33 0.30 0.30 0.24 0.29 0.36 0.31 0.28 - 0.88
Net Debt to NOPAT		 0.35 0.21 0.30 0.30 0.24 0.17 0.36 0.31 0.28 - 0.88
Long-Term Debt to NOPAT		 0.35 0.00 0.30 0.30 0.24 0.00 0.36 0.31 0.28 - 0.75
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 208 -22 11 -51 -354 -68 -20 -26 -1.22 - -385
Operating Cash Flow to CapEx		 3,705.26% 26,421.00% 6,514.78% 5,155.40% 63,218.44% 24,489.48% 9,830.39% 13,388.43% 13,005.81% - 4,032.86%
Free Cash Flow to Firm to Interest Expense		 111.19 -15.80 6.79 -31.70 -219.07 -45.30 -15.17 -18.98 -0.89 - -163.43
Operating Cash Flow to Interest Expense		 52.64 88.90 43.85 88.42 135.66 85.84 77.54 129.42 131.39 - 18.20
Operating Cash Flow Less CapEx to Interest Expense		 51.22 88.57 43.17 86.70 135.45 85.49 76.75 128.45 130.38 - 17.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.28 0.30 0.31 0.31 0.32 0.33 0.31 0.31 0.31 - 0.31
Fixed Asset Turnover		 28.88 31.25 33.20 34.13 37.72 39.25 38.87 41.02 43.16 - 46.08
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,399 1,514 1,621 1,685 1,848 1,622 1,704 1,835 1,974 - 2,144
Invested Capital Turnover		 0.96 1.04 1.01 1.00 1.08 1.13 1.04 1.03 0.97 - 0.98
Increase / (Decrease) in Invested Capital		 -195 136 117 133 449 108 83 150 126 - 439
Enterprise Value (EV)		 6,158 5,959 6,860 6,531 7,190 7,613 7,471 6,728 6,089 - 5,590
Market Capitalization		 6,058 5,895 6,760 6,431 7,090 7,553 7,371 6,628 5,989 - 5,243
Book Value per Share		 $28.49 $30.98 $33.29 $34.67 $38.22 $33.22 $17.48 $18.90 $20.41 - $19.54
Tangible Book Value per Share		 $27.32 $29.81 $32.12 $33.50 $37.05 $32.05 $16.90 $18.32 $19.83 - $18.96
Total Capital		 1,399 1,514 1,621 1,685 1,848 1,622 1,704 1,835 1,974 - 2,144
Total Debt		 100 100 100 100 100 100 100 100 100 - 347
Total Long-Term Debt		 100 0.00 100 100 100 0.00 100 100 100 - 297
Net Debt		 100 64 100 100 100 60 100 100 100 - 347
Capital Expenditures (CapEx)		 2.66 0.46 1.09 2.75 0.35 0.52 1.05 1.31 1.38 - 1.06
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 100 100 100 100 100 100 100 100 100 - 347
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.30 $0.63 $2.80 $1.79 $2.08 $0.23 $0.69 $1.35 $1.36 $0.99 $0.60
Adjusted Weighted Average Basic Shares Outstanding		 45.62M 182.38M 45.68M 45.74M 45.78M 183.06M 91.77M 91.83M 91.85M 91.83M 91.93M
Adjusted Diluted Earnings per Share		 $0.29 $0.63 $2.77 $1.78 $2.06 $0.23 $0.68 $1.34 $1.35 $0.99 $0.60
Adjusted Weighted Average Diluted Shares Outstanding		 46.07M 184.31M 46.16M 46.18M 46.22M 184.90M 92.53M 92.52M 92.31M 92.39M 92.19M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.63 $0.00 $0.00 $0.00 $0.23 $0.00 $0.00 $0.00 $0.99 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 45.63M 91.32M 45.71M 45.75M 45.82M 183.53M 91.77M 91.83M 91.84M 91.92M 91.94M
Normalized Net Operating Profit after Tax (NOPAT)		 12 115 124 81 94 52 61 122 123 - 53
Normalized NOPAT Margin		 3.63% 26.52% 28.00% 19.45% 20.07% 11.80% 14.95% 24.55% 24.29% - 12.61%
Pre Tax Income Margin		 4.55% 33.19% 36.10% 24.90% 24.94% 10.84% 19.35% 31.40% 30.96% - 15.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.02 107.32 98.88 64.40 72.25 31.79 58.90 115.94 115.28 - 28.62
NOPAT to Interest Expense		 7.23 83.48 79.05 51.12 58.77 27.39 47.35 92.10 91.36 - 23.33
EBIT Less CapEx to Interest Expense		 6.60 106.98 98.21 62.69 72.03 31.44 58.11 114.97 114.27 - 28.17
NOPAT Less CapEx to Interest Expense		 5.81 83.14 78.38 49.40 58.55 27.04 46.56 91.13 90.35 - 22.87
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 127.30% 45.99% 42.13% 41.87% 33.96% 68.15% 84.34% 73.74% 67.96% - 61.39%
Augmented Payout Ratio		 127.30% 45.99% 42.13% 41.87% 33.96% 68.15% 84.34% 73.74% 67.96% - 61.39%

Financials Breakdown Chart

Key Financial Trends

RLI (NYSE:RLI) continues to show solid underwriting and investment-driven earnings across its 2022–2025 quarterly results. The company’s 2025 figures point to growing premium volumes, healthy non-interest income, and a stronger cash position heading into 2026, supported by a sizable and growing asset base. Debt remains modest and stable, helping preserve balance-sheet resilience even as earnings volatility from investments adds a lift in certain quarters.

  • Premiums Earned rose to 406,402,000 in Q4 2025, up from 397,176,000 in Q4 2024, indicating ongoing top-line growth in core underwriting.
  • Total Revenue increased to 464,384,000 in Q4 2025 from 437,624,000 in Q4 2024, supported by higher premiums and investment income.
  • Net Income / Consolidated Net Income attributable to common shareholders was 91,177,000 in Q4 2025, signaling continued profitability at the bottom line.
  • Diluted Earnings Per Share (EPS) stood around the mid-$1.30s in the mid-2025 quarters (Q2 2025: 1.34, Q3 2025: 1.35), reflecting durable earnings power through changing market conditions.
  • Investment Gains on securities were robust in 2025, with quarterly net realized/unrealized gains of about 101.6m (Q3 2025), 97.9m (Q2 2025), and 59.3m (Q4 2025), contributing meaningfully to quarterly results.
  • Net Cash From Continuing Operating Activities in Q4 2025 was 614,221,000, underscoring strong core business cash generation.
  • Balance Sheet Growth shows Total Assets rising to 6.241b and Total Equity near 1.874b by 2025’s mid-year period, indicating a stronger capital base to support growth.
  • Long-Term Debt remained modest and stable around 100,000,000, supporting a conservative leverage profile.
  • Quarterly Net Income Power remained solid in 2025 with roughly 124m of net income in Q2–Q3 2025, underscoring ongoing profitability across multiple quarters.
  • Dividend Per Share Anomaly in Q4 2025 shows a spike to 2.16 per share, versus typical quarterly payouts around 0.16–0.27 in other quarters. This could reflect a one-off/dividend adjustment or a data quirk and should be monitored in future releases.
  • Cash Outflows from Financing Activities were substantial in several quarters, weighing on near-term liquidity. For example, Net Cash From Financing Activities in Q3 2025 was negative (−198,214,000), contributing to negative net cash changes in that period.
05/07/26 02:34 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About RLI's Financials

When does RLI's fiscal year end?

According to the most recent income statement we have on file, RLI's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has RLI's net income changed over the last 10 years?

RLI's net income appears to be on an upward trend, with a most recent value of $403.34 million in 2025, rising from $137.54 million in 2015. The previous period was $345.78 million in 2024. See where experts think RLI is headed by visiting RLI's forecast page.

How has RLI's revenue changed over the last 10 years?

Over the last 10 years, RLI's total revenue changed from $787.21 million in 2015 to $1.88 billion in 2025, a change of 138.4%.

How much debt does RLI have?

RLI's total liabilities were at $4.38 billion at the end of 2025, a 6.7% increase from 2024, and a 129.3% increase since 2015.


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Financial statements for NYSE:RLI last updated on 4/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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