rli stock guide and overview

RLI (stock)

Short description

RLI (stock) refers to the publicly traded equity of RLI Corporation, a U.S. specialty property‑and‑casualty insurance holding company listed on the New York Stock Exchange under the ticker RLI. This article addresses the equity (NYSE: RLI) as a listed security — not a cryptocurrency — and provides investor‑facing information on business lines, financial results, corporate actions and where to verify up‑to‑date market data.

Note for readers: the keyword "rli stock" appears throughout this guide to help searchers and should be interpreted as the NYSE‑listed equity of RLI Corp.

Lead / Summary

RLI Corp. is a specialty insurer focusing on Casualty, Property and Surety products sold through wholesale brokers, independent agents and carrier partnerships. The company trades on the NYSE under the ticker RLI. As of February 2026, market capitalization has been in the multi‑billion‑dollar range (about $5.4–$5.6 billion in recent reports), and recent headline items include a two‑for‑one share split executed on January 15, 2025 and a $2.00 per share special dividend declared in 2025. Recent quarterly results (Q4 CY2025) showed a revenue beat and adjusted EPS above consensus, supporting continued investor interest in rli stock.

Company background

RLI began as a specialist insurer in 1965 and built a franchise around niche property‑and‑casualty underwriting. Headquartered in Peoria, Illinois, the company transitioned over decades from narrowly focused products to a broader specialty insurer writing Casualty, Property and Surety lines. The firm emphasizes underwriting discipline, specialized product design and distribution through wholesale brokers and independent agents. The phrase "rli stock" in financial searches denotes the company’s tradable equity rather than any non‑equity asset.

Corporate history and milestones

• Founded: 1965 (original specialty focus reflected in the company name).
• Evolution: Expanded from original niche products into broader specialty property & casualty lines across Casualty, Property and Surety.
• Listing: RLI is listed on the New York Stock Exchange under ticker RLI; investors should consult SEC filings for the company’s IPO filing history and formal listing milestones.
• Share split: RLI executed a two‑for‑one share split on January 15, 2025 — a material corporate action that doubled the count of outstanding shares and adjusted per‑share metrics for historical comparison.
• Special dividend: The company declared and paid a $2.00 per share special dividend in 2025 as a return of capital to shareholders.

These milestones are relevant for shareholders tracking historical per‑share metrics, dividend history and capital allocation trends for rli stock.

Business segments and operations

RLI organizes operations around three principal operating segments:

• Casualty: Liability‑oriented specialty lines that include professional liability, general liability, excess and umbrella coverages and other casualty products tailored for specialist risks. Casualty business drives much of the underwriting margin profile and is distributed primarily via wholesale brokers and specialty agencies.

• Property: Specialty property products for commercial and select personal lines risks. Property underwriting includes coverage for buildings, equipment and tailored property packages for niche exposures.

• Surety: Surety bonds and related credit‑securement products for contractors, public projects and commercial obligations. Surety business is distribution‑intensive and often works through bond producers and commercial agents.

Primary distribution channels

• Wholesale brokers and specialty agencies: RLI relies heavily on broker relationships to access complex and hard‑to‑place risks.
• Independent agents: Certain products are distributed through independent agent networks.
• Carrier partnerships: Select collaborations with other insurance carriers and program administrators to scale specialty offerings.

Client and risk profile

RLI underwrites commercial risks, professional liability lines, niche property portfolios and surety obligations for businesses and public contractors. The risk mix tends to be concentrated in specialized, often small to mid‑market commercial accounts where underwriting expertise and bespoke policy terms are differentiators.

Stock listing and identifiers

• Ticker symbol: RLI
• Exchange: New York Stock Exchange (NYSE)
• Typical trading hours: Regular session 9:30 a.m.–4:00 p.m. Eastern Time on trading days (pre‑market and after‑hours sessions vary by broker).
• ISIN: Investors should confirm the current ISIN from official filings or exchange data when precise identifier details are required.
• Shares outstanding: Share counts change with corporate actions (e.g., the 2025 two‑for‑one split) and share repurchase programs; consult the latest 10‑Q/10‑K or investor relations materials for the up‑to‑date number.
• Index membership: RLI may appear in small‑cap and insurance‑related indices (for example, Russell indices) depending on index reconstitution; verify index inclusion with index providers or the company’s reporting.

When searching market data for rli stock, use the NYSE ticker RLI and confirm the quote timestamp to ensure currency.

Share capital, dividends and corporate actions

Dividend policy and recent activity

• RLI historically pays regular quarterly dividends. The company also uses special dividends and share repurchases as part of capital allocation when excess capital is available.
• Special dividend: In 2025 RLI declared a $2.00 per share special dividend. This action was a material capital return and should be considered when comparing historical dividend yield and payout metrics for rli stock.

Share repurchases and capital returns

• RLI has used repurchases in prior years to manage capital and return value to shareholders. The combination of regular dividends, occasional special dividends and buybacks illustrates a multi‑tool capital allocation approach.

Share split

• On January 15, 2025, RLI executed a two‑for‑one share split. Historical per‑share figures before the split should be adjusted when conducting time‑series comparisons.

Investor note: monitor press releases and proxy statements for authorizations of new repurchase programs or changes to dividend policy. All per‑share metrics for rli stock should be adjusted for the 2025 split when making historical comparisons.

Recent financial results (investor‑facing summaries)

Purpose of this section: provide concise, verifiable summaries of recent quarterly and annual reported results for readers evaluating rli stock; all numeric figures cite public statements or major data providers and should be cross‑checked with company filings.

As of February 10, 2026, per AP and Zacks reports covering RLI Corp.'s Q4 CY2025 and FY2025 releases, the following summaries were reported.

Third quarter 2025 results (example)

• Summary: RLI reported solid Q3 2025 operating performance with underwriting profitability and contributions from investment income. Adjusted operating EPS and underwriting income remained positive, and the combined ratio indicated continued underwriting discipline. (Investors should consult the company press release and the Q3 2025 10‑Q for line‑by‑line reconciliations and exact figures.)

Fourth quarter and full‑year 2025 results (example)

• As reported (As of February 10, 2026, per AP and Zacks): RLI reported fourth‑quarter net income of $91.2 million, or $0.99 per share (reported). Adjusted earnings, excluding certain investment gains, were $0.94 per share for Q4 CY2025. Revenue for the quarter was $465.7 million with net premiums earned of $406.4 million. For the full year 2025, RLI reported net income of $403.3 million, or $4.37 per share, and total revenue of $1.77 billion.

• Underwriting and metrics: The company reported a Q4 combined ratio of 82.6%, indicating underwriting profit for the period and outperforming consensus estimates. Book value per share at quarter end was reported at $19.35, representing year‑over‑year growth though slightly below some consensus forecasts.

• Shareholder returns: The company’s capital return activity in 2025 included the Jan 15 two‑for‑one split and a $2.00 per share special dividend, both material to total shareholder return for rli stock holders in 2025.

These Q4 and full‑year 2025 figures exceeded some analyst expectations on EPS and revenue while book value per share came in modestly below certain consensus estimates. All investors should reconcile reported GAAP metrics, non‑GAAP operating metrics, and company disclosures in the relevant 8‑K/press release and 10‑K.

Financial performance and metrics

Key financial measures investors monitor for rli stock include:

• Revenue and Net Premiums Earned: the core top‑line items; for insurers net premiums earned versus written is central to underwriting performance analysis.
• Net income and EPS: GAAP net income and earnings per share, recognizing that reserve development and investment gains can create volatility.
• Operating (non‑GAAP) EPS: management often reports adjusted EPS excluding realized investment gains/losses or other one‑time items to present recurring underwriting performance.
• Underwriting income and Combined Ratio: combined ratio (losses + expenses divided by premiums) below 100% indicates underwriting profitability; RLI reported an 82.6% combined ratio for Q4 CY2025.
• Investment income and portfolio highlights: insurers rely on float investment returns; monitor yield, duration and realized/unrealized gains.
• Book Value Per Share (BVPS): a balance‑sheet measure of residual value; RLI reported $19.35 BVPS at year end 2025.

Trend analysis

• Multi‑year revenue and BVPS growth: RLI reported multi‑year revenue and BVPS growth trends (five‑year and two‑year CAGR figures are commonly included in analyst notes). Historical BVPS growth is especially important for insurers since it reflects balance sheet accumulation net of liabilities.

Where to find the numbers

• Latest quarterly 10‑Q, annual 10‑K and investor presentations contain reconciliations between GAAP and non‑GAAP measures and explain reserve development, investment portfolio composition and key assumptions.

Valuation and market data

Common valuation metrics investors use to evaluate rli stock:

• Trailing P/E and Forward P/E (based on consensus estimates).
• Price‑to‑Book (P/B) ratio: market cap divided by book value; widely used for insurers.
• Dividend yield: based on the most recent regular quarterly dividend (and special dividends when annualizing returns), noting the 2025 $2.00 special dividend as a one‑time return component.
• Market capitalization and EPS (TTM): the market cap is time‑sensitive and should be verified at the current market quote.

Time sensitivity

• Valuation metrics change daily with the share price and when companies report earnings or issue new guidance. Always check the quote timestamp when assessing P/E, P/B and yield for rli stock.

Analyst coverage and investor sentiment

• Analyst consensus: rli stock is followed by a subset of sell‑side analysts specializing in insurance stocks; consensus ratings and price targets are updated after quarterly releases and major filings.
• Sources: mainstream analyst coverage and sentiment indicators are available from financial data providers and news outlets; investors often consult consensus aggregators for buy/hold/sell mixes and median price targets.
• Sentiment indicators: price target revisions, upgrades/downgrades, and coverage initiation/termination can influence near‑term sentiment.

Note: all analyst opinions should be read as independent research; this article summarizes coverage types but does not provide investment advice.

Ownership, liquidity and short interest

• Institutional ownership: a significant portion of rli stock is typically held by institutional investors, including mutual funds, pensions and asset managers that track small‑cap and insurance sectors. Institutional ownership percentages change with filings and quarter‑end 13F reports.
• Insider holdings: named executives and directors typically hold shares and may participate in buyback retirements or insider sales reported on Form 4 filings.
• Liquidity and volume: average daily trading volume for rli stock tends to reflect small‑to‑mid cap liquidity profiles; confirm current volume statistics when planning large trades.
• Short interest: short interest as a percentage of float and days‑to‑cover ratios are published by market data services; monitor for abrupt changes that may signal shifts in market positioning.

Investors should check the latest regulatory filings and market data services for the up‑to‑date ownership and short interest figures for rli stock.

Risks and regulatory considerations

Principal investor risks for rli stock include:

• Underwriting risk and reserve adequacy: insufficient reserves for claims development or adverse reserve strengthening can materially affect earnings and book value.
• Catastrophe exposure: large property or casualty catastrophe events can produce significant loss activation; reinsurances and diversification help but do not eliminate catastrophe risk.
• Investment and interest‑rate risk: the investment portfolio’s composition and interest rate moves impact investment income and unrealized gains/losses.
• Competitive and pricing risk: specialty insurance markets can experience cycles that compress pricing or reduce margins.
• Regulatory and compliance risk: state insurance regulators and federal requirements influence capital adequacy, rate filings and allowable practices.

These are generic risk categories applicable to specialty P&C insurers; consult company filings for management’s specific risk disclosures relating to rli stock.

Competitors and peer group

RLI’s peer set includes other specialty property‑and‑casualty insurers and surety writers. Peers are used for relative valuation and benchmarking on metrics such as combined ratio, P/B and premium growth. When comparing rli stock to peers, investors commonly review:

• Specialty P&C insurers of similar size and underwriting focus.
• Surety and niche commercial lines providers.

Peer benchmarking helps contextualize underwriting performance, investment returns and capital allocation for rli stock.

Corporate governance and management

• CEO: Craig Kliethermes serves as Chief Executive Officer (as cited in company releases). Management biographies, board composition and governance practices are disclosed in the company’s proxy statements and investor relations materials.
• Governance items: shareholders should review board independence, executive compensation disclosures, committee structures and any governance changes reported in annual proxies.

Good governance and experienced underwriting leadership are material to long‑term performance in specialty insurance and support analysis of rli stock.

Investor relations and filings

Primary investor resources to verify facts about rli stock include:

• Company investor relations page and press release archive (for earnings releases, capital actions and presentations).
• SEC filings: 10‑K (annual), 10‑Q (quarterly), 8‑K (material events) and proxy statements (DEF 14A) provide authoritative disclosures.
• Market data providers and filings aggregates for up‑to‑date share counts, market cap and analyst coverage.

Investors should retrieve financial statements and reconciliations from the official filings when performing due diligence on rli stock.

Trading considerations for investors

Practical notes for trading rli stock:

• Liquidity: confirm average daily volume and spread before placing large market orders; use limit orders to manage execution price when appropriate.
• Access: rli stock is available through brokerages that support NYSE trading hours. For users of Bitget services, verify that equity trading features are available and consult Bitget’s platform for execution, account funding and order types.
• Order types: common order types include market, limit, stop‑loss and stop‑limit; select an order type consistent with execution priorities and risk tolerance.
• Market risk: equity prices fluctuate and prior performance is not a guarantee of future results. Verify up‑to‑date price quotes and company filings before making trading decisions.

Reminder: this guide provides factual and descriptive information about rli stock and does not constitute investment advice.

See also

• Specialty insurance sector overview
• Combined ratio: concept and calculation
• List of comparable insurance companies and peers
• Financial metrics glossary (P/E, P/B, EPS, BVPS, combined ratio)

References

All factual statements in this guide should be verified with the issuer’s filings and major data providers. Primary public sources used to compile this article include:

• Company press releases and investor relations disclosures (RLI Corp. earnings releases, investor presentations and capital actions announcements).
• SEC filings: 10‑K, 10‑Q, 8‑K and proxy statements.
• Associated Press (AP) news report on Q4 CY2025 results and Zacks Investment Research data (reported figures such as Q4 net income of $91.2 million and adjusted EPS of $0.94 per share). (As of February 10, 2026, per AP/Zacks reporting.)
• Analyst and market data providers referenced in financial media coverage: MarketBeat, Yahoo Finance, Business Insider and specialist research platforms (for consensus estimates, price targets and valuation metrics).

Each numerical figure in the "Recent financial results" section references the AP/Zacks coverage of RLI’s Q4 CY2025 and FY2025 reporting; readers should consult the company’s official release and 8‑K for exact GAAP to non‑GAAP reconciliations.

External links

• RLI Corp. investor relations page (visit the company site for press releases and filings).
• SEC filings search (for 10‑K, 10‑Q, 8‑K and proxy statements).
• Major market quote pages for live data (use the NYSE ticker RLI and confirm timestamps).

Notes on scope and currency

• As of February 10, 2026, according to AP and Zacks reports, RLI reported Q4 CY2025 net income of $91.2 million and adjusted Q4 EPS of $0.94, with Q4 revenue of $465.7 million and FY2025 net income of $403.3 million. These figures and valuation measures are time‑sensitive.
• This article focuses exclusively on the equity (NYSE: RLI). It does not address any other uses of the acronym RLI.
• For live price quotes, up‑to‑date analyst coverage and the latest SEC filings, consult the company’s investor relations materials and authoritative market data sources. When trading, consider using Bitget services and Bitget Wallet for related account needs where supported.

Practical next steps for readers

• Verify the latest price, market cap and consensus estimates for rli stock from your brokerage or chosen market data provider.
• Read the most recent 10‑Q or 10‑K for GAAP to non‑GAAP reconciliations and detailed segment commentary.
• If you use Bitget, check the platform for available equity trading features and Bitget Wallet for custody options where applicable.

Further exploration of RLI’s filings and recent press releases will provide the granular data needed for formal investment analysis.