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RLI RLI Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$463.2MMiss by $18.5M
EPS$0.94Beat by $0.13
Revenue estimate$481.7M
EPS estimate$0.82

Next report

Oct 19, 2026 (In 2 weeks)
Revenue estimate$533.5M
EPS estimate$0.51

Financials

Q4 2025

Income statement

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Revenue$465.7M+6.1%
Net income$91.2M+123%
EPS (diluted)$0.99—

Balance sheet

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Cash & equivalents$51.6M+29.6%
Total debt$114.8M-46.8%
Total equity$1.8B+16.8%
Total assets$6.2B+9.5%

Cash flow

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Operating cash flow$156.8M+22.4%
CapEx$1.8M+242%
Free cash flow$155.0M+21.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$5.88B+55.6%
Enterprise value$5.94B+50.3%
P/E14.6×+3.6×
P/S3.1×+1.0×

Profitability

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Net margin21.4%+1.9pp
FCF margin32.3%+1.0pp

Returns & leverage

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Return on equity24.4%+0.9pp
Debt / equity0.1×-0.1×

Segments

By segment

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Casualty$246.8M+9.3%
Property Insurance$122.5M-9.0%
Surety Insurance$37.1M+1.0%

FAQ

When did RLI report Q4 2025 earnings?
RLI (RLI) reported Q4 2025 earnings on January 21, 2026 after market close.
What were RLI's Q4 2025 revenue and EPS?
RLI reported revenue of $463.2M and eps of $0.94 for Q4 2025.
Did RLI beat estimates in Q4 2025?
Revenue missed the consensus estimate of $481.7M by $18.5M. EPS beat the consensus estimate of $0.81 by $0.13.
How did RLI's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.5% from $439.1M a year earlier and eps grew 129.3% from $0.41.
Where can I find RLI's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-005370) and the 10-K periodic report (0001104659-26-018013) directly on SEC EDGAR. The filing index links above go to sec.gov.