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RLI Earnings Calls
| Release date | Oct 20, 2025 |
| EPS estimate | $0.620 |
| EPS actual | $0.83 |
| EPS Surprise | 33.87% |
| Revenue estimate | 448.596M |
| Revenue actual | 509.264M |
| Revenue Surprise | 13.52% |
| Release date | Jul 21, 2025 |
| EPS estimate | $0.750 |
| EPS actual | $0.84 |
| EPS Surprise | 12.00% |
| Revenue estimate | 445.383M |
| Revenue actual | 499.826M |
| Revenue Surprise | 12.22% |
| Release date | Apr 23, 2025 |
| EPS estimate | $0.88 |
| EPS actual | $0.92 |
| EPS Surprise | 4.55% |
| Revenue estimate | 441.987M |
| Revenue actual | 407.665M |
| Revenue Surprise | -7.77% |
| Release date | Jan 22, 2025 |
| EPS estimate | $1.05 |
| EPS actual | $0.410 |
| EPS Surprise | -60.95% |
| Revenue estimate | 444.593M |
| Revenue actual | 439.116M |
| Revenue Surprise | -1.23% |
Last 4 Quarters for RLI
Below you can see how RLI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 22, 2025 |
| Price on release | $78.07 |
| EPS estimate | $1.05 |
| EPS actual | $0.410 |
| EPS surprise | -60.95% |
| Date | Price |
|---|---|
| Jan 15, 2025 | $77.10 |
| Jan 16, 2025 | $77.83 |
| Jan 17, 2025 | $77.63 |
| Jan 21, 2025 | $77.97 |
| Jan 22, 2025 | $78.07 |
| Jan 23, 2025 | $71.75 |
| Jan 24, 2025 | $72.48 |
| Jan 27, 2025 | $72.68 |
| Jan 28, 2025 | $72.92 |
| 4 days before | 1.26% |
| 4 days after | -6.60% |
| On release day | -8.10% |
| Change in period | -5.42% |
| Release date | Apr 23, 2025 |
| Price on release | $78.07 |
| EPS estimate | $0.88 |
| EPS actual | $0.92 |
| EPS surprise | 4.55% |
| Date | Price |
|---|---|
| Apr 16, 2025 | $77.36 |
| Apr 17, 2025 | $77.72 |
| Apr 21, 2025 | $75.42 |
| Apr 22, 2025 | $78.20 |
| Apr 23, 2025 | $78.07 |
| Apr 24, 2025 | $75.22 |
| Apr 25, 2025 | $72.97 |
| Apr 28, 2025 | $73.91 |
| Apr 29, 2025 | $74.07 |
| 4 days before | 0.92% |
| 4 days after | -5.12% |
| On release day | -3.65% |
| Change in period | -4.25% |
| Release date | Jul 21, 2025 |
| Price on release | $69.35 |
| EPS estimate | $0.750 |
| EPS actual | $0.84 |
| EPS surprise | 12.00% |
| Date | Price |
|---|---|
| Jul 15, 2025 | $69.89 |
| Jul 16, 2025 | $70.45 |
| Jul 17, 2025 | $70.35 |
| Jul 18, 2025 | $70.25 |
| Jul 21, 2025 | $69.35 |
| Jul 22, 2025 | $69.66 |
| Jul 23, 2025 | $69.17 |
| Jul 24, 2025 | $67.78 |
| Jul 25, 2025 | $67.78 |
| 4 days before | -0.773% |
| 4 days after | -2.26% |
| On release day | 0.447% |
| Change in period | -3.02% |
| Release date | Oct 20, 2025 |
| Price on release | $59.64 |
| EPS estimate | $0.620 |
| EPS actual | $0.83 |
| EPS surprise | 33.87% |
| Date | Price |
|---|---|
| Oct 14, 2025 | $64.25 |
| Oct 15, 2025 | $62.26 |
| Oct 16, 2025 | $59.19 |
| Oct 17, 2025 | $59.63 |
| Oct 20, 2025 | $59.64 |
| Oct 21, 2025 | $61.30 |
| Oct 22, 2025 | $61.50 |
| Oct 23, 2025 | $61.15 |
| Oct 24, 2025 | $61.30 |
| 4 days before | -7.18% |
| 4 days after | 2.78% |
| On release day | 2.78% |
| Change in period | -4.59% |
RLI Earnings Call Transcript Summary of Q3 2025
RLI reported strong Q3 2025 results driven by disciplined underwriting, favorable reserve development and higher investment income. Operating earnings were $0.83 per share (GAAP $1.35), with a consolidated combined ratio of ~85 (85.1 reported) versus ~89.6 a year ago. Book value per share rose ~26% year-to-date, delivering greater than 20% ROE year-to-date. Property posted an exceptionally strong quarter (60 combined ratio) despite an 11% decline in gross premium, aided by an unusually benign U.S. hurricane season and favorable prior-year reserve development. Casualty grew (premiums +8%) but had a higher combined ratio (~98) with favorable reserve releases helping results; surety premiums were down modestly with an 85 combined ratio. Investment portfolio contributed meaningfully as markets rallied, allowing asset purchases at attractive yields (avg. 4.8% on recent buys). Management emphasized continued discipline amid a softening property/cat market, selective growth where rate and terms are adequate, and ongoing investments in underwriting, claims, technology (including targeted generative AI use cases) and people to sustain long-term profitable growth. Key near-term risks/opportunities include competitive pressure and new capital entering property catastrophe and other lines, reinsurance renewal dynamics, potential midterm policy shopping/cancellations in transportation, and the potential for market re-pricing if storm activity or reinsurance costs change. RLI reiterated a focus on profitability over volume, strong balance sheet flexibility, and leveraging relationships and service as competitive advantages.
