NYSE$RLI

Rli Corp · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

RLI Corp. reported an increase in net earnings and operating earnings for Q3 2024, driven by underwriting income and investment income.

RLI Corp. reported a significant increase in net earnings to $95.0 million ($2.06 per share) for Q3 2024, compared to $13.5 million ($0.29 per share) for the same period in 2023. Operating earnings also rose to $60.4 million ($1.31 per share) from $28.3 million ($0.61 per share) year-over-year. The company's performance was supported by underwriting income of $40.7 million and a combined ratio of 89.6, despite losses from Hurricanes Beryl and Helene.

  • Underwriting income was $40.7 million with a combined ratio of 89.6.
  • Gross premiums written increased by 13%.
  • Net investment income increased by 15%.
  • Favorable development in prior years’ loss reserves resulted in a $18.1 million net increase in underwriting income.

Headline financials

Total Revenue

$470M

Previous: $332M+41.7%
EPS

$2.06

Previous: $0.61+237.7%
Combined Ratio

89.6%

Previous: 98.7%-9.2%
Book Value Per Share

$16.59

No prior period
Net Investment Income

$36.7M

No prior period
Underwriting Income

$40.7M

No prior period
Capital Expenditures

-$4.19M

Previous: -$5.45M+23.2%
Free Cash Flow

$90.8M

Previous: $8.09M+1023.6%
Net Income

$95M

Previous: $13.5M+602.0%
Operating Income

$239M

Previous: $310M-22.9%
Gross Profit

$268M

Previous: $332M-19.2%
Cash & Equivalents

$264M

Previous: $143M+84.0%
Total Assets

$5.79B

Previous: $5.08B+13.9%

Revenue & EPS history

Rli · Revenue · Quarterly

$470M

Q3 2024+41.7%vs Q3 2023
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Revenue by segment

Rli · $322M total across 3 segments · Q2 2023

  • Casualty
    $187M
  • Property
    $102M
  • Surety
    $33.4M

Forward guidance

RLI's primary focus remains on assisting customers affected by recent hurricanes, with quick deployment of claim experts to assess damage and help with recovery. The company aims to continue finding opportunities for balanced top-line growth across its portfolio, leveraging its diversified business model, sound risk selection, and disciplined underwriting.

Tailwinds

  • Diversified business model
  • Sound risk selection
  • Disciplined underwriting
  • Commitment to financial strength
  • Stable partner for customers

Headwinds

  • Losses from Hurricanes Beryl and Helene
  • Potential risk factors listed in the company's filings
  • Market conditions
  • Unpredictable catastrophic events
  • Competition in the insurance industry

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

+0.1%

Avg return

Earnings day

+0.1%

Avg return

5 days after

+2.6%

Avg return

30 days after

48%

33 / 69 earnings

Positive

+14.2%

Q2 2020

Best reaction

-13.6%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.1%-8.7%-8.1%
Q4 2025-3.0%-2.9%+3.1%
Q3 2025+2.6%+2.8%+7.4%
Q2 2025-1.0%+0.7%-0.8%
Q1 2025-3.7%-5.1%-4.1%
Q4 2024-8.1%-6.6%-4.5%
Q3 2024-2.4%-4.7%+8.0%
Q2 2024+3.1%+5.4%+7.4%
Q1 2024+4.0%+2.8%+5.3%
Q4 2023-4.6%-5.0%+0.4%
Q3 2023+3.2%-1.7%+3.7%
Q2 2023-2.0%-1.8%-5.3%
Q1 2023+11.6%+9.5%-2.4%
Q4 2022-1.7%-2.1%-0.9%
Q3 2022-0.5%+8.1%+15.5%
Q2 2022+1.6%-0.6%+4.4%
Q1 2022+7.2%+4.0%+5.7%
Q4 2021-0.2%+1.6%-1.1%
Q3 2021+2.2%+4.1%+5.6%
Q2 2021-2.6%+0.0%+3.3%
Q1 2021-0.8%-0.5%-6.4%
Q4 2020-3.3%-4.5%+2.0%
Q3 2020+11.0%+8.4%+22.0%
Q2 2020+14.2%+8.6%+11.3%
Q1 2020-13.6%-16.5%-6.6%
Q4 2019-1.1%+1.2%-2.5%
Q3 2019+5.7%+8.3%+7.2%
Q2 2019+2.7%+0.5%+4.9%
Q1 2019+6.4%+6.9%+14.4%
Q4 2018-3.3%-4.1%+4.7%
Q3 2018-3.4%-4.8%+1.2%
Q2 2018+2.2%+6.3%+12.9%
Q1 2018+0.2%-0.4%+4.9%
Q4 2017+4.8%+6.5%+1.1%
Q3 2017+3.5%+0.3%+2.5%
Q2 2017+5.1%+5.5%-0.1%
Q1 2017-9.1%-3.9%-7.0%
Q4 2016+2.3%-0.2%-1.3%
Q3 2016-12.0%-14.9%-7.4%
Q2 2016+0.7%+0.6%+1.5%
Q1 2016-4.8%
Q4 2015+6.2%
Q3 2015+4.8%
Q2 2015+6.5%
Q1 2015-3.4%
Q4 2014-0.4%
Q3 2014-0.5%
Q2 2014-2.1%
Q1 2014+1.2%
Q4 2013-3.1%
Q3 2013+4.0%
Q2 2013+1.8%
Q1 2013-3.4%
Q4 2012+0.9%
Q3 2012+3.7%
Q2 2012-0.3%
Q1 2012+1.0%
Q4 2011-1.6%
Q3 2011-4.8%
Q2 2011-5.6%
Q1 2010+0.5%
Q1 2011+0.7%
Q4 2008+1.1%
Q4 2010+1.1%
Q3 2010-0.2%
Q3 2009-0.2%
Q2 2010-2.7%
Q4 2009-2.7%
Q2 2009-2.7%

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