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RLI · NYSE · STOCK

RLI (RLI) Stock Analysis

Financial Services Updated September 06, 2026
$62.45
52W $47.26 – $68.29
67/100
$5.73B
13.1
0.33
AI Committee Verdict
Buy
67/100
Conviction: Moderate · 67% agreement · 6 analysts
+1.8%
-0.1%
25.29:1
Moderate

Is RLI Bullish or Bearish?

Bullish. Innellis AI committee rates RLI Corp. (RLI) Buy with a composite score of 67/100 , based on 6 analysts with 67% agreement. Last updated September 06, 2026.

What Would Change This View

Upgrade to Strong Buy
Requires a committee score of 75.0 — +7.95 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 — -12.05 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 vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.

Bull & Bear Case

Bull Case
  • P/E of 13.1 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
  • Price structure making higher highs and higher lows — Technical
Bear Case
  • 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 06, 2026
Overall Committee Score
67/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 40%
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 13.1 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
58 / 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
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
80 / 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst bullish
64 / 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 21 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 2704.43)
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Investment Thesis Evolution

Committee score moved marginally from 67.0 to 67.0.

Analyst-level changes:
  • Value Analyst: +1 bullish signal(s).

Comparing 2026-09-05 to 2026-09-06 (1 day apart).

Technical Analysis

RSI (14)
35.7
Neutral
MACD Histogram
-0.384
Bearish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$62.41
Resistance
$63.56
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$63.70 Below
EMA 21
$63.65 Below
EMA 50
$61.91 Above
EMA 200
$60.61 Above

Fundamental Analysis

Valuation
91
Growth
69
Profitability
84
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio 13.1×
P/B Ratio 3.28×
PEG Ratio 0.37
Dividend Yield 7.50%
52W High $68.29
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 13.1 (inexpensive relative to a 15-40x range); Price-to-book of 3.3x; 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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