RLI · NYSE · STOCK
RLI (RLI) Stock Analysis
$59.27
52W $47.26 – $67.12
63/100
$5.45B
12.5
0.33
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is RLI Bullish or Bearish?
Bullish.
Innellis AI committee rates RLI Corp. (RLI) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated September 21, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.74 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.26 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is eps growing 36.1% yoy. The main limiting factor is rsi at 24 is in oversold territory (could mean either capitulation or a bounce setup). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.4 is inexpensive for the broad market — Value
- ROE of 24.4% shows genuine earnings power backing the valuation — Value
- EPS growing 36.1% YoY — Growth
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.00 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 21, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 31%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.4 is inexpensive for the broad market
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 36.1% YoY
Technical Analyst
neutral
46
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.06) -- balance sheet can absorb a shock
− Current ratio of 0.00 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2518.64)
Investment Thesis Evolution
Committee score moved marginally from 63.3 to 63.3.
Comparing 2026-09-20 to 2026-09-21 (1 day apart).
Technical Analysis
RSI (14)
24.0
Oversold
MACD Histogram
-0.417
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$57.95
Resistance
$59.73
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$60.90
Below
EMA 21
$61.90
Below
EMA 50
$61.53
Below
EMA 200
$60.61
Below
Fundamental Analysis
Valuation
92
Growth
69
Profitability
84
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
12.5×
P/B Ratio
3.12×
PEG Ratio
0.35
Dividend Yield
7.88%
52W High
$67.12
52W Low
$47.26
Quality & Growth
ROE
2268.2%
ROA
654.6%
Gross Margin
4749.3%
Operating Margin
2842.2%
Revenue Growth YoY
—
Debt / Equity
0.17
AI Fundamental Assessment
P/E ratio of 12.5 (inexpensive relative to a 15-40x range); Price-to-book of 3.1x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 22.7%; Return on assets of 6.5%; Net margin of 22.2%; Gross margin of 47.5%; Current ratio of 0.48 (tight short-term liquidity); Debt-to-equity of 0.17; Free cash flow per share is positive (5.61); Most recent quarter beat estimates by 13.6%; 3 consecutive earnings beats; EPS growth accelerating (-11.7% -> +0.0% QoQ); Analyst estimates falling over recent quarters
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