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Market Price

114.68 

0.89 0.8%

as of Apr 09 '21

52 Week Range:

66.31 118.38


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

RLI Corp., an insurance holding company, underwrites property and casualty insurance in the United States and internationally. Its Casualty segment provides commercial and personal coverage products; and general liability products, such as coverage for third-party liability of commercial insureds, including manufacturers, contractors, apartments, real estate investment trusts, and mercantile. This segment also offers coverages for security guards and in the areas of onshore energy-related businesses and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists; and professional liability coverages focuses on providing errors and omission coverage to small to medium-sized design, technical, computer, and miscellaneous professionals. In addition, this segment provides commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and equipment dealers; incidental, related insurance coverages; inland marine coverages; management liability coverages, such as directors and officers liability insurance, fiduciary liability and fidelity coverages, and for low to moderate classes of risks, including public and private businesses; healthcare liability coverages; and home business insurance products. The company's Property segment offers commercial property, marine, homeowners', and other property insurance products. Its Surety segment offers small bonds for businesses and individuals; bonds for small to medium-sized contractors; commercial surety bonds for medium-to-large businesses; and commercial surety bonds for the energy, petrochemical, and refining industries. The company also underwrites various reinsurance coverages. The company markets its products through branch offices and independent agents. RLI Corp. was founded in 1965 and is headquartered in Peoria, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 18.87
20.50
18.73
19.88
21.66
20.28
20.99
19.91
19.59
22.28
24.35
growth rate 8.6% -8.6% 6.1% 9.0% -6.4% 3.5% -5.2% -1.6% 13.7% 9.3%
Earnings BIT 178.49
189.73
142.73
186.58
196.93
193.19
153.68
74.79
177.18
352.44
303.71
growth rate 6.3% -24.8% 30.7% 5.5% -1.9% -20.5% -51.3% 136.9% 98.9% -13.8%
Avg.PE 8.76
11.96
13.50
16.78
15.66
20.70
22.24
25.76
22.08
22.08
22.08
growth rate 36.5% 12.9% 24.3% -6.7% 32.2% 7.4% 15.8% -14.3% 0.0% 0.0%
ROA 5.04
5.01
3.87
4.69
4.91
4.99
4.17
3.67
2.12
5.76
4.20
growth rate -0.6% -22.8% 21.2% 4.7% 1.6% -16.4% -12.0% -42.2% 171.7% -27.1%
ROE 15.70
16.22
12.80
15.54
16.18
16.49
13.95
12.52
7.73
21.27
14.74
growth rate 3.3% -21.1% 21.4% 4.1% 1.9% -15.4% -10.3% -38.3% 175.2% -30.7%
ROIC 14.45
14.89
11.87
14.07
14.27
growth rate 3.0% -20.3% 18.5% 1.4%
Leverage 3.18
3.29
3.32
3.31
3.28
3.32
3.37
3.45
3.85
3.56
3.47
growth rate 3.5% 0.9% -0.3% -0.9% 1.2% 1.5% 2.4% 11.6% -7.5% -2.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 478.30
499.24
507.43
489.68
143.66
126.39
134.35
152.58
160.37
growth rate 4.4% 1.6% -3.5% -70.7% -12.0% 6.3% 13.6% 5.1%
Acct.Payable 109.74
93.89
106.93
101.16
37.56
17.93
21.62
22.59
430.95
growth rate -14.4% 13.9% -5.4% -62.9% -52.3% 20.6% 4.5% 1,807.6%
Cur.Assets 473.73
452.49
485.76
370.62
506.83
586.22
growth rate -4.5% 7.4% -23.7% 36.8% 15.7%
Total Assets 2,514.60
2,654.83
2,644.63
2,740.31
2,775.54
2,735.47
2,777.63
2,947.24
3,105.07
3,545.72
3,938.49
growth rate 5.6% -0.4% 3.6% 1.3% -1.4% 1.5% 6.1% 5.4% 14.2% 11.1%
Cash 0.00
81.18
44.31
39.47
30.62
11.08
18.27
24.27
30.14
46.20
62.22
growth rate -45.4% -10.9% -22.4% -63.8% 64.9% 32.9% 24.2% 53.3% 34.7%
Cur.Liabilities 515.39
503.70
525.92
2,149.11
2,401.03
234.43
growth rate -2.3% 4.4% 308.6% 11.7% -90.2%
Liabilities 1,723.20
1,862.20
1,848.27
1,911.34
1,930.48
1,912.00
1,954.06
2,093.65
2,298.22
2,550.33
2,802.51
growth rate 8.1% -0.8% 3.4% 1.0% -1.0% 2.2% 7.1% 9.8% 11.0% 9.9%
LT Debt 100.00
261.42
200.59
258.57
239.12
148.55
148.74
148.93
149.12
149.30
149.50
growth rate 161.4% -23.3% 28.9% -7.5% -37.9% 0.1% 0.1% 0.1% 0.1% 0.1%
Equity 791.40
792.63
796.36
828.97
845.06
823.47
823.57
853.60
806.84
995.39
1,135.98
growth rate 0.2% 0.5% 4.1% 1.9% -2.6% 0.0% 3.7% -5.5% 23.4% 14.1%
Common Shares 42.00
43.00
43.00
44.00
44.00
44.00
44.00
45.00
44.50
44.87
45.14
growth rate 2.4% 0.0% 2.3% 0.0% 0.0% 0.0% 2.3% -1.1% 0.8% 0.6%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 2.30
5.38
15.29
17.53
7.12
10.04
16.16
9.24
6.09
6.96
5.77
growth rate 134.0% 184.1% 14.6% -59.4% 40.9% 61.0% -42.8% -34.1% 14.3% -17.1%
Cash Dividends 176.80
130.86
133.04
93.14
159.86
32.61
34.68
36.61
-83.10
-85.59
-87.91
growth rate -26.0% 1.7% -30.0% 71.6% -79.6% 6.4% 5.6% -100.0% 0.0% 0.0%
Cash From OA 100.20
117.99
36.24
134.97
123.09
152.59
174.46
197.53
217.10
276.92
263.26
growth rate 17.8% -69.3% 272.4% -8.8% 24.0% 14.3% 13.2% 9.9% 27.6% -4.9%
FCF per Share 2.31
2.93
0.41
2.00
2.72
3.42
3.12
4.18
4.66
5.21
5.41
growth rate 26.8% -86.0% 387.8% 36.0% 25.7% -8.8% 34.0% 11.5% 11.8% 3.8%
Sale Purchase of Stock 2.20
6.10
0.32
3.39
-3.36
-0.74
3.50
growth rate 177.8% -94.8% 964.8% -100.0% 0.0% 100.0%
FCF 98.00
114.00
18.00
110.00
116.00
143.00
158.00
188.00
211.00
270.00
257.00
growth rate 16.3% -84.2% 511.1% 5.5% 23.3% 10.5% 19.0% 12.2% 28.0% -4.8%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 583.40
619.17
660.77
705.60
775.17
794.63
816.33
797.22
818.12
1,003.59
983.63
growth rate 6.1% 6.7% 6.8% 9.9% 2.5% 2.7% -2.3% 2.6% 22.7% -2.0%
Op.Income 172.57
126.60
103.35
126.26
177.15
193.19
153.68
74.79
177.18
352.44
303.71
growth rate -26.6% -18.4% 22.2% 40.3% 9.1% -20.5% -51.3% 136.9% 98.9% -13.8%
IBT 178.50
183.59
142.73
175.67
189.49
196.68
157.08
84.59
67.58
232.73
189.84
growth rate 2.9% -22.3% 23.1% 7.9% 3.8% -20.1% -46.2% -20.1% 244.4% -18.4%
Net Income 127.40
126.60
103.35
126.26
135.45
137.54
114.92
105.03
64.18
191.64
157.09
growth rate -0.6% -18.4% 22.2% 7.3% 1.6% -16.5% -8.6% -38.9% 198.6% -18.0%
EPS 3.00
2.95
2.39
2.90
3.09
3.12
2.59
2.36
1.43
4.23
3.46
growth rate -1.7% -19.0% 21.3% 6.6% 1.0% -17.0% -8.9% -39.4% 195.8% -18.2%
Gross Profit 225.20
235.22
192.77
235.15
249.27
254.51
216.94
154.78
230.99
421.87
370.54
growth rate 4.5% -18.1% 22.0% 6.0% 2.1% -14.8% -28.7% 49.2% 82.6% -12.2%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 449.03
103.74
284.34
245.96
-330.33
growth rate -76.9% 174.1% -13.5% -100.0%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 160.37
154.08
154.94
159.43
growth rate -3.9% 0.6% 2.9%
Acct.Payable 430.95
30.87
24.78
31.65
growth rate -92.8% -19.7% 27.7%
Cur.Assets 506.83
399.10
507.00
526.55
586.22
growth rate -21.3% 27.0% 3.9% 11.3%
Total Assets 3,545.72
3,378.61
3,619.28
3,792.50
3,938.49
growth rate -4.7% 7.1% 4.8% 3.9%
Cash 46.20
42.70
84.80
70.59
growth rate -7.6% 98.6% -16.8%
Inventory
growth rate
Cur.Liabilities 2,401.03
2,313.56
2,418.43
602.40
234.43
growth rate -3.6% 4.5% -75.1% -61.1%
Liabilities 2,550.33
2,462.91
2,567.82
2,693.16
2,802.51
growth rate -3.4% 4.3% 4.9% 4.1%
LT Debt 149.30
149.35
149.40
149.44
growth rate 0.0% 0.0% 0.0%
Equity 995.39
915.71
1,051.46
1,099.34
1,135.98
growth rate -8.0% 14.8% 4.6% 3.3%
Common Shares 44.87
44.92
44.95
45.06
45.14
growth rate 0.1% 0.1% 0.2% 0.2%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 2.90
1.91
1.50
1.56
0.80
growth rate -34.1% -21.3% 3.5% -48.7%
Cash Dividends -55.16
-10.33
-10.79
-10.81
-55.98
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 90.16
-5.77
89.54
79.47
100.02
growth rate -100.0% 100.0% -11.3% 25.9%
Sale Purchase of Stock
growth rate
FCF 87.26
-7.68
88.04
77.92
99.22
growth rate -100.0% 100.0% -11.5% 27.3%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 233.40
118.12
298.25
262.81
304.45
growth rate -49.4% 152.5% -11.9% 15.8%
Op.Income 449.03
103.74
284.34
245.96
-330.33
growth rate -76.9% 174.1% -13.5% -100.0%
IBT 63.22
-79.36
114.88
51.51
102.82
growth rate -100.0% 100.0% -55.2% 99.6%
Net Income 53.38
-61.27
92.17
42.39
83.81
growth rate -100.0% 100.0% -54.0% 97.7%
EPS
growth rate
Gross Profit 449.03
118.12
298.25
262.81
-308.64
growth rate -73.7% 152.5% -11.9% -100.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (61.63)

YOY Growth Grade:

D (39.31)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 22.08 35.97 31.42
EPS / Growth -10.6% 3.19 9.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.3% 6.3%
Future PE 2.00 22.01 22.01
Future EPS 3.52 5.85 5.85
Value Price
MOS %
1.74
-98.5%
31.83
-72.2%
31.83
-72.2%
MOS Price 0.87 15.91 15.91
IRT 30.62 18.73 18.73

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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