ROARABLE // PRO
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ROAR ▸

RLI // RLI Corp. Common Stock (DE)

DES <GO> NYSE CIK 0000084246 ↗
Financials • Property-Casualty Insurers
$64.62 ▲ +0.86 (+1.35%)
MKT CAP: $5.93B • VOL: 616.1K
RLI // ROARABLE RATING & 5-PILLAR RQD CONFIDENCE 02:00 EST DETERMINISTIC ENGINE
▼ DOWNGRADE // B- (RQD 70) -> C+ (RQD 69)
ROARABLE C+
RQD CONFIDENCE
69 / 100 -1D
5 X 20-PT QUANT PILLARS
E 0 D 35 C 59 B 70 A 86+
Roarable Hold — Upper Neutral / Watch for Breakout
01 MASSIVE / SEC XBRL
Forensic Fundamentals
15 / 20
SOLID
FCF +9.6% vs NI +16.6% • ROIC-WACC +4.1% • Z 1.98
02 OPRA GEX + SEC 13F
Whale & Options Flow
[LOCKED] FLAGGED
UNLOCK BELOW TO REVEAL
03 SEC FORM 4 (90D)
Insider Conviction
[LOCKED] FLAGGED
UNLOCK BELOW TO REVEAL
04 FRED 90D r-MATRIX
Macro Regime Fit
16 / 20
STRONG
TAILWIND • r(10Y)=+0.00 (+23bp) • r(OAS)=+0.00
05 10-K REDLINE AUDIT
Forensic 10-K Risk
16 / 20
STRONG
20 BASE - 4 DEDUCT • 0 CRIT / 0 MED • STABLE
ALERT

Why did RLI's Whale & Options Flow & Insider Conviction sub-score just flash a warning? Enter your email to unlock the full 5-Pillar Rating Breakdown + get instant alerts whenever RLI is Upgraded or Downgraded.

RLI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +26.00%📐 HORIZONTAL RANGE
2026-10-30O $65.92H $66.43L $65.02C $65.23VOL 950.0K
RES: $67.32SUP: $53.40SMA50: $60.65SMA200: $58.59
$68.68$62.88$57.07$51.26$45.46RES $67.32SUP $53.40$65.232026-04-302026-06-152026-07-312026-09-162026-10-30
RLI // INSTITUTIONAL BULL VS. BEAR FORENSIC DEBATE
NEUTRAL / PAIR TRADE CONVICTION: 51/100
BEAR 0
100 BULL

RLI Corp. Common Stock (DE) (RLI) exhibits 41.0% gross margins and 13.5% return on invested capital within Financials (Property-Casualty Insurers), balanced against a 14.2x enterprise multiple and 7.3% implied options volatility.

▲ INSTITUTIONAL BULL THESIS (LONG)
01. Operating Leverage & Capital Efficiency Moat

Sustained 41.0% gross profitability converts into 26.1% operating margin and 13.5% ROIC, outpacing sector cost of capital.

ROIC: 13.5% // GM: 41.0%
02. Top-Line Expansion & Cash Conversion

YoY revenue trajectory of +6.3% paired with 10.27% free cash flow yield supports self-funded R&D and capital return.

REV YOY: +6.3% // FCF YLD: 10.27%
03. Balance Sheet Solvency & Forensic Quality

Altman Z-Score of 1.98 and Piotroski F-Score of 9/9 indicate low near-term refinancing stress.

ALTMAN Z: 1.98 // F-SCORE: 9/9
▼ INSTITUTIONAL BEAR THESIS (SHORT / RISK)
01. Multiple Compression & Duration Sensitivity

Trading at 14.7x trailing P/E (13.7x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.

P/E: 14.7x // EV/EBITDA: 14.2x
02. Options Skew & Event Volatility Risk

Options market prices a ±7.3% implied move with a 0.67 put/call ratio around $63.00 max pain.

IMPL MOVE: ±7.3% // P/C: 0.67
03. Competitive Margin & CapEx Cycle Pressure

Elevated industry capital intensity and customer concentration in Property-Casualty Insurers require continuous execution to defend 21.4% net margins.

NET MARGIN: 21.4% // D/E: 1.04x
KEY CATALYST // Upcoming 10-Q/10-K XBRL margin progression, guidance revision vs 13.7x forward consensus, and institutional 13F positioning.
MACRO REGIME // Monitor US 10Y Real Yields (DFII10) and High-Yield Credit Spreads (OAS) for beta-adjusted multiple impact (Beta 1.13).
FORM 4 & 13F FLOW OPEN OWN <GO>
FILER SIDE $ VALUE
INSPECT FULL OWNERSHIP LEDGER IN OWN <GO>
UNUSUAL OPTIONS TAPE OPEN OPT <GO>
STRIKE / EXP TYPE PREMIUM
INSPECT GEX & CHAIN IN OPT <GO>
KEY VALUATION & PROFITABILITY RATIOS XBRL FA <GO>
TRAILING P/E 14.7x
FORWARD P/E 13.7x
EV / EBITDA 14.2x
FCF YIELD 10.27%
GROSS MARGIN 41.0%
OPERATING MARGIN 26.1%
NET MARGIN 21.4%
ROIC % 13.5%
REV GROWTH YOY +6.3%
DILUTED EPS TTM $4.40
DEBT / EQUITY 1.04x
DIVIDEND YIELD 4.08%
RSI-14 MOMENTUM 66.3
5Y EQUITY BETA 1.13
FRED MACRO SENSITIVITY (PEARSON r) ECST <GO>
MACRO CORRELATION CALIBRATION ACTIVE BELOW.
FRED MACRO REGIME STRESS-TEST SIMULATOR // RLIPEARSON R VARIANCE ENGINE
01 // SELECT FEDERAL RESERVE & CREDIT SHOCK SCENARIO
02 // POSITION NOTIONAL EXPOSURE
HEADLINE STRESS SCORE
75/100SEVERE DRAWDOWN PRESSURE
PRIMARY FACTOR EXPOSURE
DFII10 // -0.61 r
Latest: 2.08%
EST. DIRECTIONAL MOVE
-8.50%
Implied Px: $59.13
EST. DOLLAR VARIANCE
-$4,248
On $50,000 Notional
[LOCKED // MULTI-FACTOR DRAWDOWN HEDGE & MACRO TRIGGER ALERT]

Unblur the exact $50,000 delta-adjusted ETF/options hedge ratio for RLI & activate live FRED threshold breach alerts.

HEAD-TO-HEAD PEER COMPARISONS COMP <GO>