RLI
RLI Corp.
Insurance - Property & Casualty
Market Cap$4.51B
5Y Perf.+24.1%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
RLI vs RNR
Revenue, margins, valuation, and 5-year total return — side by side.
RNR
RenaissanceRe Holdings Ltd.
Insurance - Reinsurance
Market Cap$13.06B
5Y Perf.+80.3%
RLI vs RNR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RLI | RNR |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Reinsurance |
| Market Cap | $4.51B | $13.06B |
| Revenue (TTM) | $1.90B | $11.49B |
| Net Income (TTM) | $395M | $3.09B |
| Gross Margin | 37.5% | 44.6% |
| Operating Margin | 26.7% | 35.5% |
| Forward P/E | 17.7x | 7.7x |
| Total Debt | $100M | $2.33B |
| Cash & Equiv. | $52M | $1.73B |
RLI vs RNR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RLI
RNR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| RLI Corp. (RLI) | 100 | 124.1 | +24.1% |
| RenaissanceRe Holdi… (RNR) | 100 | 180.3 | +80.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RLI vs RNR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RNR leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. RLI Corp. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
RLI
RLI Corp.
The Insurance Pick
RLI is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta -0.01, yield 5.3%
- Lower volatility, beta -0.01, Low D/E 5.6%, current ratio 1.33x
- Beta -0.01, yield 5.3%, current ratio 1.33x
Best for: income & stability and sleep-well-at-night
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 9.4%, EPS growth 60.8%, 3Y rev CAGR 36.2%
- 182.4% 10Y total return vs RLI's 106.8%
- PEG 0.26 vs RLI's 0.87
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RNR | 9.4% revenue growth vs RLI's 6.3% |
| Value | RNR | Lower P/E (7.7x vs 17.7x), PEG 0.26 vs 0.87 |
| Quality / Margins | RNR | Combined ratio 0.7 vs RLI's 0.7 (lower = better underwriting) |
| Stability / Safety | RLI | Lower D/E ratio (5.6% vs 12.1%) |
| Dividends | RLI | 5.3% yield, 1-year raise streak, vs RNR's 0.6% |
| Momentum (1Y) | RNR | +22.9% vs RLI's -30.8% |
| Efficiency (ROA) | RLI | 6.6% ROA vs RNR's 5.7%, ROIC 22.8% vs 16.0% |
RLI vs RNR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
RLI vs RNR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGRLI
RLIRLI Corp.
2leads
RNRRenaissanceRe Holding…
4leads
6 Total Categories
CATEGORYLEADERvs RLIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RNR5/6
Valuation MetricsMultiples, price ratios, and targets
RNR7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RLI7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
RNR6/6
Risk & VolatilityBeta, volatility, and downside exposure
RNR2/2
Analyst OutlookRatings, price targets, and dividends
RLI1/1
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RNR is the larger business by revenue, generating $11.5B annually — 6.1x RLI's $1.9B. RNR is the more profitable business, keeping 26.9% of every revenue dollar as net income compared to RLI's 20.8%. On growth, RLI holds the edge at +4.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| RevenueTrailing 12 months | $1.9B | $11.5B |
| EBITDAEarnings before interest/tax | $512M | $4.1B |
| Net IncomeAfter-tax profit | $395M | $3.1B |
| Free Cash FlowCash after capex | $551M | $4.2B |
| Gross MarginGross profit ÷ Revenue | +37.5% | +44.6% |
| Operating MarginEBIT ÷ Revenue | +26.7% | +35.5% |
| Net MarginNet income ÷ Revenue | +20.8% | +26.9% |
| FCF MarginFCF ÷ Revenue | +29.0% | +36.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.0% | -36.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -11.8% | +100.9% |
RNR leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
RNR leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 5.3x trailing earnings, RNR trades at a 52% valuation discount to RLI's 11.2x P/E. Adjusting for growth (PEG ratio), RNR offers better value at 0.18x vs RLI's 0.55x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| Market CapShares × price | $4.5B | $13.1B |
| Enterprise ValueMkt cap + debt − cash | $4.6B | $13.7B |
| Trailing P/EPrice ÷ TTM EPS | 11.24x | 5.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 17.72x | 7.71x |
| PEG RatioP/E ÷ EPS growth rate | 0.55x | 0.18x |
| EV / EBITDAEnterprise value multiple | 8.65x | 3.40x |
| Price / SalesMarket cap ÷ Revenue | 2.39x | 1.02x |
| Price / BookPrice ÷ Book value/share | 2.54x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 7.40x | 3.54x |
RNR leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
RLI leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
RLI delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $17 for RNR. RLI carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to RNR's 0.12x.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +22.0% | +16.6% |
| ROA (TTM)Return on assets | +6.6% | +5.7% |
| ROICReturn on invested capital | +22.8% | +16.0% |
| ROCEReturn on capital employed | +9.0% | +10.7% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 8 |
| Debt / EquityFinancial leverage | 0.06x | 0.12x |
| Net DebtTotal debt minus cash | $48M | $598M |
| Cash & Equiv.Liquid assets | $52M | $1.7B |
| Total DebtShort + long-term debt | $100M | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 80.31x | 33.28x |
RLI leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
RNR leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RNR five years ago would be worth $18,967 today (with dividends reinvested), compared to $10,847 for RLI. Over the past 12 months, RNR leads with a +22.9% total return vs RLI's -30.8%. The 3-year compound annual growth rate (CAGR) favors RNR at 13.6% vs RLI's -6.8% — a key indicator of consistent wealth creation.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| YTD ReturnYear-to-date | -21.3% | +11.3% |
| 1-Year ReturnPast 12 months | -30.8% | +22.9% |
| 3-Year ReturnCumulative with dividends | -19.0% | +46.6% |
| 5-Year ReturnCumulative with dividends | +8.5% | +89.7% |
| 10-Year ReturnCumulative with dividends | +106.8% | +182.4% |
| CAGR (3Y)Annualised 3-year return | -6.8% | +13.6% |
RNR leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
RNR leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RNR is the less volatile stock with a -0.03 beta — it tends to amplify market swings less than RLI's -0.01 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RNR currently trades 95.1% from its 52-week high vs RLI's 63.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.01x | -0.03x |
| 52-Week HighHighest price in past year | $77.24 | $318.20 |
| 52-Week LowLowest price in past year | $48.93 | $231.17 |
| % of 52W HighCurrent price vs 52-week peak | +63.5% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 25.9 | 46.0 |
| Avg Volume (50D)Average daily shares traded | 675K | 308K |
RNR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RLI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates RLI as "Hold" and RNR as "Hold". Consensus price targets imply 14.9% upside for RLI (target: $56) vs 1.9% for RNR (target: $308). For income investors, RLI offers the higher dividend yield at 5.34% vs RNR's 0.55%.
| Metric | RLIRLI Corp. | RNRRenaissanceRe Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $56.33 | $308.33 |
| # AnalystsCovering analysts | 12 | 28 |
| Dividend YieldAnnual dividend ÷ price | +5.3% | +0.6% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $2.62 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +12.2% |
RLI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
RNR leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). RLI leads in 2 (Profitability & Efficiency, Analyst Outlook).
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 4 of 6 categories
Loading custom metrics...
RLI vs RNR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is RLI or RNR a better buy right now?
For growth investors, RenaissanceRe Holdings Ltd.
(RNR) is the stronger pick with 9. 4% revenue growth year-over-year, versus 6. 3% for RLI Corp. (RLI). RenaissanceRe Holdings Ltd. (RNR) offers the better valuation at 5. 3x trailing P/E (7. 7x forward), making it the more compelling value choice. Analysts rate RLI Corp. (RLI) a "Hold" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — RLI or RNR?
On trailing P/E, RenaissanceRe Holdings Ltd.
(RNR) is the cheapest at 5. 3x versus RLI Corp. at 11. 2x. On forward P/E, RenaissanceRe Holdings Ltd. is actually cheaper at 7. 7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: RenaissanceRe Holdings Ltd. wins at 0. 26x versus RLI Corp. 's 0. 87x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — RLI or RNR?
Over the past 5 years, RenaissanceRe Holdings Ltd.
(RNR) delivered a total return of +89. 7%, compared to +8. 5% for RLI Corp. (RLI). Over 10 years, the gap is even starker: RNR returned +182. 4% versus RLI's +106. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — RLI or RNR?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus RLI Corp. 's -0. 01β — meaning RLI is approximately -81% more volatile than RNR relative to the S&P 500. On balance sheet safety, RLI Corp. (RLI) carries a lower debt/equity ratio of 6% versus 12% for RenaissanceRe Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — RLI or RNR?
By revenue growth (latest reported year), RenaissanceRe Holdings Ltd.
(RNR) is pulling ahead at 9. 4% versus 6. 3% for RLI Corp. (RLI). On earnings-per-share growth, the picture is similar: RenaissanceRe Holdings Ltd. grew EPS 60. 8% year-over-year, compared to 16. 6% for RLI Corp.. Over a 3-year CAGR, RNR leads at 36. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — RLI or RNR?
RLI Corp.
(RLI) is the more profitable company, earning 21. 4% net margin versus 21. 0% for RenaissanceRe Holdings Ltd. — meaning it keeps 21. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RNR leads at 31. 5% versus 27. 5% for RLI. At the gross margin level — before operating expenses — RNR leads at 40. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is RLI or RNR more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, RenaissanceRe Holdings Ltd. (RNR) is the more undervalued stock at a PEG of 0. 26x versus RLI Corp. 's 0. 87x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, RenaissanceRe Holdings Ltd. (RNR) trades at 7. 7x forward P/E versus 17. 7x for RLI Corp. — 10. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RLI: 14. 9% to $56. 33.
08Which pays a better dividend — RLI or RNR?
All stocks in this comparison pay dividends.
RLI Corp. (RLI) offers the highest yield at 5. 3%, versus 0. 6% for RenaissanceRe Holdings Ltd. (RNR).
09Is RLI or RNR better for a retirement portfolio?
For long-horizon retirement investors, RenaissanceRe Holdings Ltd.
(RNR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 03), 0. 6% yield, +182. 4% 10Y return). Both have compounded well over 10 years (RNR: +182. 4%, RLI: +106. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between RLI and RNR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(RLI: 4.0% · RNR: -36.4%)Net Margin>
%
(RLI: 20.8% · RNR: 26.9%)P/E Ratio<
x
(RLI: 11.2x · RNR: 5.3x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.