RLI Corp. (RLI) Fair Value 2026

RLI · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.0 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, RLI Corp. (RLI) trades at $64.22, versus a $44.19 median fair value across its 6 active models — 31.2% below the current price. QOC: 9.0/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
RLI
Price
$64.22
Quality Score
9.0/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 9.0/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is RLI Corp. (RLI) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, RLI Corp. (RLI) appears overvalued as of : the median of 6 independent fair value estimates is $44.19, 31.2% below the current price of $64.22. Estimates range from $13.37 to $106.16. RLI scores 9.0/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. RLI’s -31.2% gap is wider than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy RLI Corp. Stock in 2026? →

What Fair Value Does Each Model Give RLI?

6 Intrinsic Value Models vs. Current Price ($64.22)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $50.86 -20.8%
Ensemble · Low Conviction
 $43.98 -31.5%
Intrinsic · High Conviction
 $13.37 -79.2%
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What Is RLI's Fair Value Range?

Spread across 6 independent models · $13.37 to $106.16

CirclFi's 6 active models place RLI Corp. (RLI) between $13.37 and $106.16 per share, a spread of 210% of the median. The median of that range — $44.19 — is the fair value CirclFi publishes for RLI, against a current price of $64.22.

Low · Markov DDMHigh · ML-RIV
$13.37median $44.19$106.16
Where the range comes from
Most bearish modelMarkov DDM$13.37
Most bullish modelML Residual Income$106.16
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RLI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RLI, not a CirclFi price target. How each model works →

What Is RLI Corp. (RLI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, RLI Corp.'s intrinsic value is estimated at $44.19, suggesting the stock is overvalued at its current price of $64.22. With 5 out of 6 models flagging downside (-31.2% vs price), the market may be pricing in unsustainable growth. The most optimistic model, ML-RIV, places fair value at $106.16 (+65.3%), while Markov DDM — the most conservative — estimates $13.37 (-79.2%). This +144.5% gap reflects genuine analytical uncertainty about RLI Corp.'s intrinsic worth.

What Do the Models Say About RLI?

6 of 13 models are currently active for RLI. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for RLI is $44.19 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RLI Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, RLI ranks #10 by Quality of Company score. CirclFi's QOC score of 9.0/10 evaluates 32 fundamental signals. A score of 9.0 places RLI in the top tier.

Within the Insurance - Property & Casualty space, RLI Corp. competes in an environment where combined ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is RLI a Value Trap?

CirclFi's Value Trap algorithm assigns RLI a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for RLI Corp.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, RLI Corp.'s fundamental quality profile registers 9.0/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +144.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RLI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RLI's 6 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy RLI Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

11 related Insurance - Property & Casualty stocks with 13-model coverage

HGTYHagerty, Inc.QOC 9.0MKLMarkel Group Inc.QOC 9.0TRVThe Travelers Companies, Inc.QOC 9.1AIZAssurant, Inc.QOC 8.9ALLThe Allstate CorporationQOC 9.2CINFCincinnati Financial CorporationQOC 8.8ORIOld Republic International CorporationQOC 8.6SKWDSkyward Specialty Insurance Group, Inc.QOC 8.1LMNDLemonade, Inc.QOC 6.6HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: HGTY · MKL · TRV · AIZ · ALL · CINF · ORI · SKWD · LMND · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to RLI?

7 companies across all industries closest to RLI’s Quality of Company score of 9.0/10.

CRMDCorMedix Inc.QOC 9.0DRDDRDGOLD LimitedQOC 9.0LOGILogitech International S.A.QOC 9.0FICOFair Isaac CorporationQOC 9.0KTBKontoor Brands, Inc.QOC 9.0XPELXPEL, Inc.QOC 9.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CRMD · DRD · LOGI · FICO · KTB · XPEL · NVDA

What Else Do Investors Ask About RLI Corp.’s Valuation?

What is RLI Corp.'s intrinsic value in 2026?

CirclFi puts RLI Corp. (RLI)'s intrinsic value at $44.19 — the median of 6 independent model estimates as of 2026-08-27, ranging from $13.37 to $106.16. The Quality of Company score is 9.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RLI overvalued or undervalued right now?

At $64.22, 1 of 6 active models suggest RLI may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $44.19, 31.2% below the current price of $64.22 — a consensus view that RLI is overvalued. The assessment depends on which methodology best fits RLI Corp.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 9.0 mean for RLI?

RLI Corp.'s QOC of 9.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RLI?

CirclFi analyzes RLI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RLI?

Of the 6 models currently active on RLI, ML Residual Income is the most bullish at $106.16 per share, and Markov DDM is the most bearish at $13.37. CirclFi's published fair value for RLI is the median of that range, $44.19, not either extreme. The gap between the two ends equals 210% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RLI a value trap in 2026?

RLI Corp.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, RLI Corp. (RLI) has a median fair value of $44.19 — 31.2% below the current price of $64.22 — as of 2026-08-27.” Source: circlfi.com/stock/RLI/ · Methodology
Primary sources for this RLI valuation
  • Financial statements: RLI Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0000084246) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RLI as of ; valuations recomputed .

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