InsiderClue
Stocks · Financials · Fire, Marine & Casualty Insurance

RLI CORP

RLI Clue Score71
United States Fiscal year ends December CIK 0000084246
$55.71 -1.05% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $55.71 −45.04% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue816.3Net income114.9EPS, diluted2.59Fiscal year 2017Revenue797.2 −2.3%Net income105.0 −8.6%EPS, diluted2.36Fiscal year 2018Revenue818.1 +2.6%Net income64.2 −38.9%EPS, diluted1.43Fiscal year 2019Revenue1,003.6 +22.7%Net income191.6 +198.6%EPS, diluted4.23Fiscal year 2020Revenue983.6 −2.0%Net income157.1 −18.0%EPS, diluted3.46Fiscal year 2021Revenue1,179.2 +19.9%Net income279.4 +77.8%EPS, diluted6.11Fiscal year 2022Revenue1,698.0 +44.0%Net income583.4 +108.8%EPS, diluted6.37Fiscal year 2023Revenue1,512.0 −11.0%Net income304.6 −47.8%EPS, diluted3.31Fiscal year 2024Revenue1,770.4 +17.1%Net income345.8 +13.5%EPS, diluted3.74Fiscal year 2025Revenue1,882.4 +6.3%Net income403.3 +16.6%EPS, diluted4.37
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 816.3 797.2 818.1 1,003.6 983.6 1,179.2 1,698.0 1,512.0 1,770.4 1,882.4
Growth −2.3% +2.6% +22.7% −2.0% +19.9% +44.0% −11.0% +17.1% +6.3%
Net income 114.9 105.0 64.2 191.6 157.1 279.4 583.4 304.6 345.8 403.3
Growth −8.6% −38.9% +198.6% −18.0% +77.8% +108.8% −47.8% +13.5% +16.6%
EPS, diluted 2.59 2.36 1.43 4.23 3.46 6.11 6.37 3.31 3.74 4.37

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin14.1%Free cash flow margin19.4%Fiscal year 2017Net margin13.2%Free cash flow margin23.6%Fiscal year 2018Net margin7.8%Free cash flow margin25.8%Fiscal year 2019Net margin19.1%Free cash flow margin26.9%Fiscal year 2020Net margin16.0%Free cash flow margin26.2%Fiscal year 2021Net margin23.7%Free cash flow margin31.9%Fiscal year 2022Net margin34.4%Free cash flow margin14.4%Fiscal year 2023Net margin20.1%Free cash flow margin30.3%Fiscal year 2024Net margin19.5%Free cash flow margin31.4%Fiscal year 2025Net margin21.4%Free cash flow margin32.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 14.1% 13.2% 7.8% 19.1% 16.0% 23.7% 34.4% 20.1% 19.5% 21.4%
Free cash flow margin 19.4% 23.6% 25.8% 26.9% 26.2% 31.9% 14.4% 30.3% 31.4% 32.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow174.5Capital expenditure−16.2Free cash flow158.3Dividends paid−122.5Fiscal year 2017Operating cash flow197.5Capital expenditure−9.2Free cash flow188.3 +18.9%Dividends paid−113.8Fiscal year 2018Operating cash flow217.1Capital expenditure−6.1Free cash flow211.0 +12.1%Dividends paid−83.1Fiscal year 2019Operating cash flow276.9Capital expenditure−7.0Free cash flow270.0 +27.9%Dividends paid−85.6Fiscal year 2020Operating cash flow263.3Capital expenditure−5.8Free cash flow257.5 −4.6%Dividends paid−87.9Fiscal year 2021Operating cash flow384.9Capital expenditure−8.3Free cash flow376.6 +46.3%Dividends paid−135.3Fiscal year 2022Operating cash flow250.4Capital expenditure−5.9Free cash flow244.6 −35.1%Dividends paid−364.8Fiscal year 2023Operating cash flow464.3Capital expenditure−5.9Free cash flow458.3 +87.4%Dividends paid−140.1Fiscal year 2024Operating cash flow560.2Capital expenditure−4.7Free cash flow555.5 +21.2%Dividends paid−235.7Fiscal year 2025Operating cash flow614.2Capital expenditure−5.5Free cash flow608.7 +9.6%Dividends paid−241.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 174.5 197.5 217.1 276.9 263.3 384.9 250.4 464.3 560.2 614.2
Capital expenditure −16.2 −9.2 −6.1 −7.0 −5.8 −8.3 −5.9 −5.9 −4.7 −5.5
Free cash flow 158.3 188.3 211.0 270.0 257.5 376.6 244.6 458.3 555.5 608.7
Growth +18.9% +12.1% +27.9% −4.6% +46.3% −35.1% +87.4% +21.2% +9.6%
Dividends paid −122.5 −113.8 −83.1 −85.6 −87.9 −135.3 −364.8 −140.1 −235.7 −241.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash18.3Shareholders’ equity823.6Fiscal year 2017Cash24.3Shareholders’ equity853.6Fiscal year 2018Cash30.1Shareholders’ equity806.8Fiscal year 2019Cash46.2Shareholders’ equity995.4Fiscal year 2020Cash62.2Total debt149.5Net cash (debt)−87.3Shareholders’ equity1,136.0Debt to equity0.13Fiscal year 2021Cash88.8Total debt199.7Net cash (debt)−110.9Shareholders’ equity1,229.4Debt to equity0.16Fiscal year 2022Cash22.8Total debt199.9Net cash (debt)−177.0Shareholders’ equity1,177.3Debt to equity0.17Fiscal year 2023Cash36.4Total debt100.0Net cash (debt)−63.6Shareholders’ equity1,413.5Debt to equity0.07Fiscal year 2024Cash39.8Total debt100.0Net cash (debt)−60.2Shareholders’ equity1,522.0Debt to equity0.07Fiscal year 2025Cash51.6Shareholders’ equity1,778.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 18.3 24.3 30.1 46.2 62.2 88.8 22.8 36.4 39.8 51.6
Total debt n/a n/a n/a n/a 149.5 199.7 199.9 100.0 100.0 n/a
Net cash (debt) n/a n/a n/a n/a −87.3 −110.9 −177.0 −63.6 −60.2 n/a
Shareholders’ equity 823.6 853.6 806.8 995.4 1,136.0 1,229.4 1,177.3 1,413.5 1,522.0 1,778.2
Debt to equity n/a n/a n/a n/a 0.13 0.16 0.17 0.07 0.07 n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022† 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
816.3 797.2 818.1 1,003.6 983.6 1,179.2 1,698.0 1,512.0 1,770.4 1,882.4
Growth −2.3% +2.6% +22.7% −2.0% +19.9% +44.0% −11.0% +17.1% +6.3%
157.1 84.6 67.6 232.7 189.8 344.3 720.7 377.3 427.6 506.0
42.2 −20.4 3.4 41.1 32.8 65.0 137.3 72.7 81.8 102.6
114.9 105.0 64.2 191.6 157.1 279.4 583.4 304.6 345.8 403.3
Growth −8.6% −38.9% +198.6% −18.0% +77.8% +108.8% −47.8% +13.5% +16.6%
Per share
2.63 2.39 1.45 4.28 3.49 6.18 6.43 3.34 3.78 4.39
2.59 2.36 1.43 4.23 3.46 6.11 6.37 3.31 3.74 4.37
Growth −8.9% −39.4% +195.8% −18.2% +76.6% +4.3% −48.0% +13.0% +16.8%
43.8 44.0 44.4 44.7 45.0 45.2 90.7 91.2 91.5 91.8
44.4 44.5 44.8 45.3 45.4 45.7 91.6 92.2 92.5 92.4
Growth +0.2% +0.8% +0.9% +0.3% +0.7% +100.4% +0.6% +0.3% −0.1%

† The diluted share count jumps at 2022, so per-share figures either side of that column are not comparable. Usually a split, but the break lands on the restatement boundary rather than on the split date, because every column is that period’s latest filing.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 13.9% a year over five years.
  • Profitable in every one of the 10 years on file.