RLI vs United Fire
RLI and UFCS side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How RLI and UFCS compare
RLI is the larger company, worth 4.1 times as much as United Fire ($6.0B against $1.5B).
On earnings, United Fire is cheaper: it trades at 10.6× trailing earnings, against 13.7× for RLI.
United Fire grew revenue faster over the last twelve months (11.4% versus 8.7% for RLI).
RLI keeps more of each dollar of sales as profit, with a net margin of 22.2% compared with 9.6% at United Fire.
Both pay dividends: RLI yields 7.2% and United Fire 1.3%.
RLI scores higher on the StockData Score (12 against 10 for United Fire), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | RLI | UFCS |
|---|---|---|
| Size and price | ||
| Market cap | $6.0B | $1.5B |
| Share price | $65.23 | $56.83 |
| Change, 1 year | 11.6% | 89.2% |
| Change, 5 years | 14.9% | 155% |
| Beta (5Y) | 0.34 | 0.46 |
| Employees | 1,193 | 1,173 |
| StockData Score | ||
| Total score | 12 (better) | 10 |
| Valuation score | 1 | 3 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 5 (better) | 2 |
| Health score | 0 | 0 |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 13.7× | 10.6× (better) |
| P/S | 3.0× | 1.0× (better) |
| P/B | 3.4× | 1.5× (better) |
| EV/EBITDA | – | 6.6× |
| P/FCF | 11.6× | – |
| PEG | – | 0.11 |
| FCF yield | 8.6% | – |
| Fair value | $62.83 | $52.46 |
| Margin of safety | −3.8% (better) | −8.3% |
| Growth | ||
| Revenue growth (TTM) | 8.7% | 11.4% (better) |
| Revenue growth, 5Y average | 13.9% (better) | 5.3% |
| Net income growth (TTM) | 35.6% | 53.5% (better) |
| EPS growth (TTM) | 36.4% | 53.3% (better) |
| EPS growth, 5Y average | 20.4% | – |
| Profitability | ||
| Net margin | 22.2% (better) | 9.6% |
| FCF margin | 26.2% | – |
| Return on equity | 25.2% (better) | 15.5% |
| Financial health | ||
| Altman Z-score | 1.49 (better) | 0.93 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 7.2% (better) | 1.3% |
| Payout ratio | 97.6% | 13.1% |
| Years of dividend growth | 2 (better) | 0 |
| Dividend growth, 5Y average | 22.0% (better) | −10.9% |
| Buyback yield | – | 0.14% |
| Shareholder yield | 7.2% (better) | 1.5% |
| Ownership | ||
| Held by institutions | 95.5% | 68.4% |
| Held by insiders | 1.6% | 16.4% |
| Insider net buying, 12 months | $1.5M (better) | −$994K |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 9.8% | 2.2% |
Go deeper
- RLI stock overview
- RLI income statement
- RLI valuation and score
- UFCS stock overview
- UFCS income statement
- UFCS valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.