Profitability
Weight: 25%
A+
100.0
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 0.7% 100/100
- Loss Ratio Trend -10.08 pp/yr 100/100
RLI - RLI Corp.
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$61.33
DETAILS
HIGH:
$74.00
LOW:
$53.00
MEDIAN:
$57.00
CONSENSUS:
$61.33
DOWNSIDE:
4.50%
AlphaQuality
Quantitative six-pillar business-quality grade
Banks, Insurers & Asset Managers
AlphaQuality — archetype-weighted quantitative grade
A
87.2 / 100 composite
Capital Efficiency
Weight: 15%
A-
85.5
- 5yr Avg ROE 27.8% 100/100
- 5yr Share-Count CAGR 0.3% 59/100
Growth Quality
Weight: 10%
A-
83.7
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 8.1% 75/100
- Loss Ratio Trend (growth quality check) -10.08 pp/yr 100/100
- Revenue-Growth Years (5) 4/5 80/100
Cash Generation
Weight: 15%
A-
86.0
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 6.1% 100/100
- Loss Ratio Stability (σ) 0.24 65/100
Balance Sheet
Weight: 25%
A
92.9
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.91x 88/100
- Interest Coverage (EBIT/Int) 97.48x 100/100
Stability
Weight: 10%
C-
48.8
- EPS Volatility (σ/μ) 0.63 19/100
- Negative-Revenue Years (5) 1/5 80/100
- Piotroski F-Score 6 67/100
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 3 full exits.
- Holders
- 1 -1
- Avg Δ position
- -32.3%
- New buys
- 0
- Full exits
- 3
How this is calculated
AlphaQuality grades six pillars from 0-100 and weights each by archetype:
- Profitability (25%) — Loss Ratio, Loss Ratio Trend
- Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
- Growth Quality (10%) — 5yr Premium CAGR, Loss Ratio Trend (growth quality check), Revenue-Growth Years (5)
- Cash Generation (15%) — Reserve Development, Loss Ratio Stability (σ)
- Balance Sheet (25%) — Premiums / Surplus, Interest Coverage (EBIT/Int)
- Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score
The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.