What is RLI's earnings per share (EPS)?

RLI (RLI) reported diluted earnings per share of $4.37 for fiscal year 2025. This represents a 16.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

RLI Financials

RLI

Trailing 12 months to June 30, 2026

Revenue $2.0B +8.7% YoY

Net Income $438.7M +35.6% YoY

EPS (Diluted) $4.76 YoY not available

Free Cash Flow $517.0M -16.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 24, 2026 Currency USD FYE December

RLI (RLI) reported $2.0B in revenue over the twelve months to Jun 30, 2026, up 8.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RLI FY2025 2026-04-24

Cash generation outruns accounting profit because this asset-heavy, low-capex model turns balance-sheet scale into spendable cash year after year.

FY2022 carried the highest net margin at 34.4%, yet operating cash flow was only $250M. From FY2023 through FY2025, operating cash flow stayed above $464M even though net margin stayed near 20.0%, implying the later years had better earnings quality than the 2022 profit spike.

Capex was just $5.5M in FY2025 against $614M of operating cash flow, so free cash flow kept mirroring operating cash rather than being consumed by maintenance spending. That points to a low physical-capital business where cash generation is shaped more by balance-sheet movements than by the need to continually rebuild hard assets.

Cash was only $51.6M in FY2025, far smaller than the $1.78B equity base. With liabilities still about 71.1% of assets, liquidity is lean but profit retention has kept strengthening net worth across the last three years even without a large cash cushion.

Financial Health Signals

Financial Health Score 60/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of RLI's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Premium Growth

Capital

Investment Yield

Not available for RLI, and counted as zero in the overall score.

Combined Ratio

Stability

Piotroski F-Score Partial

4/6

RLI passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.52x

For every $1 of reported earnings, RLI generates $1.52 in operating cash flow ($614.2M OCF vs $403.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.9B

YoY+6.3%

5Y CAGR+13.9%

10Y CAGR+9.0%

RLI generated $1.9B in revenue in fiscal year 2025. This represents an increase of 6.3% from the prior year.

Net Income

$403.3M

YoY+16.6%

5Y CAGR+20.8%

10Y CAGR+11.4%

RLI reported $403.3M in net income in fiscal year 2025. This represents an increase of 16.6% from the prior year.

EPS (Diluted)

$4.37

YoY+16.8%

RLI earned $4.37 per diluted share (EPS) in fiscal year 2025. This represents an increase of 16.8% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$608.7M

YoY+9.6%

5Y CAGR+18.8%

10Y CAGR+15.6%

RLI generated $608.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 9.6% from the prior year.

Cash & Debt

$51.6M

YoY+29.6%

5Y CAGR-3.7%

10Y CAGR+16.6%

RLI held $51.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$2.63

YoY+2.3%

RLI paid $2.63 per share in dividends in fiscal year 2025. This represents an increase of 2.3% from the prior year.

Shares Outstanding

92M

YoY+0.2%

RLI had 92M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Net Margin

21.4%

YoY+1.9pp

5Y CAGR+5.5pp

10Y CAGR+4.1pp

RLI's net profit margin was 21.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.

Return on Equity

22.7%

YoY0.0pp

5Y CAGR+8.8pp

10Y CAGR+6.0pp

RLI's ROE was 22.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. That is unchanged from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$5.5M

YoY+17.3%

5Y CAGR-0.9%

10Y CAGR-5.8%

RLI invested $5.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 17.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

RLI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RLI quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$2.0B	$1.9B+6.3%	$1.8B+17.1%	$1.5B-11.0%	$1.7B+44.0%	$1.2B+19.9%	$983.6M-2.0%	$1.0B+22.7%	$818.1M+2.6%	$797.2M-2.3%	$816.3M+2.7%	$794.6M+2.5%	$775.2M+9.9%	$705.6M+6.8%	$660.8M+6.7%	$619.2M
Interest Expense	$9.5M	$5.4M-15.4%	$6.3M-13.3%	$7.3M-9.3%	$8.0M+4.8%	$7.7M+1.0%	$7.6M+0.2%	$7.6M+2.0%	$7.4M+0.1%	$7.4M0.0%	$7.4M0.0%	$7.4M-0.2%	$7.4M-8.1%	$8.1M+33.8%	$6.0M0.0%	$6.0M
Income Tax	$110.2M	$102.6M+25.5%	$81.8M+12.5%	$72.7M-47.1%	$137.3M+111.3%	$65.0M+98.4%	$32.8M-20.3%	$41.1M+1107.9%	$3.4M+116.6%	-$20.4M-148.5%	$42.2M-28.7%	$59.1M+9.4%	$54.0M+9.4%	$49.4M+25.5%	$39.4M-30.9%	$57.0M
Net Income	$438.7M	$403.3M+16.6%	$345.8M+13.5%	$304.6M-47.8%	$583.4M+108.8%	$279.4M+77.8%	$157.1M-18.0%	$191.6M+198.6%	$64.2M-38.9%	$105.0M-8.6%	$114.9M-16.4%	$137.5M+1.5%	$135.4M+7.3%	$126.3M+22.2%	$103.3M-18.4%	$126.6M
EPS (Diluted)	$4.76	$4.37+16.8%	$3.74	$3.31-48.0%	$6.37	$6.11+76.6%	$3.46-18.2%	$4.23+195.8%	$1.43-39.4%	$2.36-8.9%	$2.59-17.0%	$3.12+1.0%	$3.09+6.6%	$2.90	$2.39-19.0%	$2.95

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$575.6M+35.8%	$423.9M-9.0%	$465.7M-8.6%	$509.3M+1.9%	$499.8M+22.6%	$407.7M-7.2%	$439.1M-6.6%	$470.0M
Interest Expense	$4.4M+88.7%	$2.4M+79.8%	$1.3M-4.0%	$1.4M+1.0%	$1.4M+1.1%	$1.3M-10.5%	$1.5M-7.7%	$1.6M
Income Tax	$42.7M+242.5%	$12.5M-44.4%	$22.4M-31.3%	$32.6M+1.4%	$32.2M+108.7%	$15.4M+134.6%	$6.6M-69.9%	$21.8M
Net Income	$168.0M+206.1%	$54.9M-39.8%	$91.2M-26.8%	$124.6M+0.2%	$124.3M+96.7%	$63.2M+54.7%	$40.9M-57.0%	$95.0M
EPS (Diluted)	$1.82+203.3%	$0.60-39.4%	$0.99-26.7%	$1.35+0.7%	$1.34+97.1%	$0.68+123.8%	-$2.86	$1.03

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income.

RLI Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RLI quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$6.2B+9.5%	$5.6B+8.7%	$5.2B+8.7%	$4.8B+5.7%	$4.5B+14.5%	$3.9B+11.1%	$3.5B+14.2%	$3.1B+5.4%	$2.9B+6.1%	$2.8B+1.5%	$2.7B-1.4%	$2.8B+1.3%	$2.7B+3.6%	$2.6B-0.4%	$2.7B
Cash & Equivalents	$51.6M+29.6%	$39.8M+9.2%	$36.4M+59.6%	$22.8M-74.3%	$88.8M+42.7%	$62.2M+34.7%	$46.2M+53.3%	$30.1M+24.2%	$24.3M+32.9%	$18.3M+64.9%	$11.1M-63.8%	$30.6M-22.4%	$39.5M-10.9%	$44.3M-45.4%	$81.2M
Goodwill	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M-7.2%	$49.7M-3.1%	$51.3M-12.4%	$58.5M0.0%	$58.5M	N/A	N/A	N/A
Total Liabilities	$4.4B+6.7%	$4.1B+9.0%	$3.8B+4.9%	$3.6B+9.5%	$3.3B+17.0%	$2.8B+9.9%	$2.6B+11.0%	$2.3B+9.8%	$2.1B+7.1%	$2.0B+2.2%	$1.9B-1.0%	$1.9B+1.0%	$1.9B+3.4%	$1.8B-0.7%	$1.9B
Long-Term Debt	N/A	$100.0M0.0%	$100.0M-50.0%	$199.9M+0.1%	$199.7M+33.6%	$149.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$100.0M0.0%	$100.0M
Total Equity	$1.8B+16.8%	$1.5B+7.7%	$1.4B+20.1%	$1.2B-4.2%	$1.2B+8.2%	$1.1B+14.1%	$995.4M+23.4%	$806.8M-5.5%	$853.6M+3.6%	$823.6M0.0%	$823.5M-2.6%	$845.1M+1.9%	$829.0M+4.1%	$796.4M+0.5%	$792.6M
Retained Earnings	$1.9B+9.4%	$1.7B+6.8%	$1.6B+11.3%	$1.4B+17.8%	$1.2B+13.3%	$1.1B+6.9%	$1.0B+11.7%	$908.1M+15.2%	$788.5M-1.1%	$797.3M-0.9%	$804.9M+2.3%	$786.9M-3.0%	$811.3M+4.3%	$778.2M-3.7%	$807.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$6.4B+0.2%	$6.4B+3.9%	$6.2B-1.4%	$6.2B+4.3%	$6.0B+4.6%	$5.7B+1.8%	$5.6B-2.8%	$5.8B
Cash & Equivalents	$32.1M-34.6%	$49.1M-4.7%	$51.6M-2.0%	$52.6M+145.7%	$21.4M-20.9%	$27.1M-32.0%	$39.8M-34.4%	$60.6M
Goodwill	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M0.0%	$46.1M
Total Liabilities	$4.7B+1.2%	$4.6B+5.1%	$4.4B+0.2%	$4.4B+2.7%	$4.3B+3.2%	$4.1B+0.4%	$4.1B+1.6%	$4.0B
Long-Term Debt	$297.0M-0.1%	$297.2M	N/A	$100.0M0.0%	$100.0M0.0%	$100.0M0.0%	$100.0M0.0%	$100.0M
Total Equity	$1.8B-2.5%	$1.8B+1.0%	$1.8B-5.1%	$1.9B+8.0%	$1.7B+8.1%	$1.6B+5.4%	$1.5B-12.9%	$1.7B
Retained Earnings	$1.9B-1.7%	$1.9B+2.1%	$1.9B-5.4%	$2.0B+5.9%	$1.9B+6.2%	$1.8B+2.9%	$1.7B-8.3%	$1.9B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

RLI Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RLI quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$524.0M	$614.2M+9.6%	$560.2M+20.7%	$464.3M+85.4%	$250.4M-34.9%	$384.9M+46.2%	$263.3M-4.9%	$276.9M+27.6%	$217.1M+9.9%	$197.5M+13.2%	$174.5M+14.3%	$152.6M+24.0%	$123.1M-8.8%	$135.0M+272.4%	$36.2M-69.3%	$118.0M
Capital Expenditures	$7.0M	$5.5M+17.3%	$4.7M-20.3%	$5.9M+0.4%	$5.9M-29.1%	$8.3M+44.1%	$5.8M-17.1%	$7.0M+14.3%	$6.1M-34.1%	$9.2M-42.8%	$16.2M+61.0%	$10.0M+40.9%	$7.1M-59.4%	$17.5M+14.6%	$15.3M+184.1%	$5.4M
Free Cash Flow	$517.0M	$608.7M+9.6%	$555.5M+21.2%	$458.3M+87.4%	$244.6M-35.1%	$376.6M+46.3%	$257.5M-4.6%	$270.0M+27.9%	$211.0M+12.1%	$188.3M+18.9%	$158.3M+11.1%	$142.6M+22.9%	$116.0M-1.3%	$117.4M+460.6%	$20.9M-81.4%	$112.6M
Investing Cash Flow	-$272.7M	-$362.1M-13.6%	-$318.9M-50.6%	-$211.8M-533.3%	$48.9M+117.8%	-$274.8M-63.6%	-$168.0M+9.1%	-$184.8M-37.7%	-$134.2M-65.3%	-$81.2M-51.5%	-$53.6M+11.5%	-$60.6M	N/A	N/A	N/A	N/A
Financing Cash Flow	-$240.7M	-$240.3M-1.0%	-$238.0M+0.4%	-$238.8M+34.6%	-$365.3M-337.5%	-$83.5M-5.3%	-$79.3M-4.1%	-$76.1M+1.2%	-$77.0M+30.2%	-$110.3M+2.9%	-$113.7M-1.9%	-$111.5M	N/A	N/A	N/A	N/A
Dividends Paid	$428.4M	$241.6M+2.5%	$235.7M+68.2%	$140.1M-61.6%	$364.8M+169.6%	$135.3M+53.9%	$87.9M+2.7%	$85.6M+3.0%	$83.1M-27.0%	$113.8M-7.1%	$122.5M+2.4%	$119.6M-25.2%	$159.9M+71.6%	$93.1M-30.0%	$133.0M+1.7%	$130.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$6.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$145.2M+239.1%	$42.8M-72.7%	$156.8M-12.5%	$179.2M+2.6%	$174.7M+68.8%	$103.5M-19.2%	$128.1M-41.6%	$219.4M
Capital Expenditures	$2.8M+163.1%	$1.1M-40.6%	$1.8M+29.7%	$1.4M+5.6%	$1.3M+23.9%	$1.1M+101.3%	$523K+50.7%	$347K
Free Cash Flow	$142.4M+241.0%	$41.8M-73.1%	$155.0M-12.9%	$177.8M+2.6%	$173.4M+69.2%	$102.5M-19.7%	$127.6M-41.8%	$219.0M
Investing Cash Flow	$100.0M+135.8%	-$279.6M-792.3%	$40.4M+130.3%	-$133.4M+19.5%	-$165.7M-60.2%	-$103.4M-294.3%	$53.2M+127.3%	-$195.1M
Financing Cash Flow	-$262.2M-211.9%	$234.3M+218.2%	-$198.2M-1259.8%	-$14.6M+0.8%	-$14.7M-14.5%	-$12.8M+93.7%	-$202.1M-1377.1%	-$13.7M
Dividends Paid	$200.5M+1263.6%	$14.7M-92.6%	$198.4M+1250.4%	$14.7M0.0%	$14.7M+6.8%	$13.8M-93.0%	$196.8M+1382.0%	$13.3M

Not reported in any period shown, so not listed: Share Buybacks.

RLI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

RLI quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	21.4%+1.9pp	19.5%-0.6pp	20.2%-14.2pp	34.4%+10.7pp	23.7%+7.7pp	16.0%-3.1pp	19.1%+11.3pp	7.8%-5.3pp	13.2%-0.9pp	14.1%-3.2pp	17.3%-0.2pp	17.5%-0.4pp	17.9%+2.2pp	15.6%-4.8pp	20.4%
Return on Equity	22.7%0.0pp	22.7%+1.2pp	21.6%-28.0pp	49.5%+26.8pp	22.7%+8.9pp	13.8%-5.4pp	19.3%+11.3pp	8.0%-4.3pp	12.3%-1.7pp	14.0%-2.7pp	16.7%+0.7pp	16.0%+0.8pp	15.2%+2.2pp	13.0%-3.0pp	16.0%
Return on Assets	6.6%+0.4pp	6.1%+0.3pp	5.9%-6.4pp	12.2%+6.0pp	6.2%+2.2pp	4.0%-1.4pp	5.4%+3.3pp	2.1%-1.5pp	3.6%-0.6pp	4.1%-0.9pp	5.0%+0.1pp	4.9%+0.3pp	4.6%+0.7pp	3.9%-0.9pp	4.8%
Debt-to-Equity	2.46+2.4x	0.070.0x	0.07-0.1x	0.170.0x	0.160.0x	0.13-2.4x	2.56-0.3x	2.85+0.4x	2.45+0.1x	2.37+0.1x	2.320.0x	2.280.0x	2.31+2.2x	0.130.0x	0.13
FCF Margin	32.3%+1.0pp	31.4%+1.1pp	30.3%+15.9pp	14.4%-17.5pp	31.9%+5.8pp	26.2%-0.7pp	26.9%+1.1pp	25.8%+2.2pp	23.6%+4.2pp	19.4%+1.4pp	17.9%+3.0pp	15.0%-1.7pp	16.6%+13.5pp	3.2%-15.0pp	18.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	29.2%+16.2pp	13.0%-6.6pp	19.6%-4.9pp	24.5%-0.4pp	24.9%+9.4pp	15.5%+6.2pp	9.3%-10.9pp	20.2%
Return on Equity	9.6%+6.5pp	3.1%-2.1pp	5.1%-1.5pp	6.7%-0.5pp	7.2%+3.2pp	3.9%+1.3pp	2.7%-2.8pp	5.4%
Return on Assets	2.6%+1.8pp	0.9%-0.6pp	1.5%-0.5pp	2.0%-0.1pp	2.1%+1.0pp	1.1%+0.4pp	0.7%-0.9pp	1.6%
Debt-to-Equity	0.170.0x	0.17-2.3x	2.46+2.4x	0.050.0x	0.060.0x	0.060.0x	0.070.0x	0.06
FCF Margin	24.8%+14.9pp	9.8%-23.4pp	33.3%-1.6pp	34.9%+0.2pp	34.7%+9.6pp	25.1%-3.9pp	29.0%-17.6pp	46.6%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Frequently Asked Questions

What is RLI's annual revenue?

RLI (RLI) reported $1.9B in total revenue for fiscal year 2025. This represents a 6.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is RLI's revenue growing?

RLI (RLI) revenue grew by 6.3% year-over-year, from $1.8B to $1.9B in fiscal year 2025.

Is RLI profitable?

Yes, RLI (RLI) reported a net income of $403.3M in fiscal year 2025, with a net profit margin of 21.4%.

What is RLI's net profit margin?

RLI (RLI) had a net profit margin of 21.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does RLI pay dividends?

Yes, RLI (RLI) paid $2.63 per share in dividends during fiscal year 2025.

What is RLI's return on equity (ROE)?

RLI (RLI) has a return on equity of 22.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is RLI's free cash flow?

RLI (RLI) generated $608.7M in free cash flow during fiscal year 2025. This represents a 9.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is RLI's operating cash flow?

RLI (RLI) generated $614.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are RLI's total assets?

RLI (RLI) had $6.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are RLI's capital expenditures?

RLI (RLI) invested $5.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does RLI have outstanding?

RLI (RLI) had 92M shares outstanding as of fiscal year 2025.

What is RLI's debt-to-equity ratio?

RLI (RLI) had a debt-to-equity ratio of 2.46 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is RLI's return on assets (ROA)?

RLI (RLI) had a return on assets of 6.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is RLI's Piotroski F-Score?

RLI (RLI) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are RLI's earnings high quality?

RLI (RLI) has an earnings quality ratio of 1.52x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is RLI?

RLI (RLI) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.