RLI vs Root
RLI and ROOT 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 ROOT compare
RLI is the larger company, worth 9.3 times as much as Root ($6.3B against $681M).
On earnings, Root is cheaper: it trades at 9.3× trailing earnings, against 16.0× for RLI.
Root grew revenue faster over the last twelve months (7.9% versus 4.6% for RLI).
RLI keeps more of each dollar of sales as profit, with a net margin of 20.3% compared with 5.2% at Root.
RLI pays a dividend yielding 6.8%; Root does not pay one.
RLI scores higher on the StockData Score (10 against 9 for Root), 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 | ROOT |
|---|---|---|
| Size and price | ||
| Market cap | $6.3B | $681M |
| Share price | $68.70 | $43.97 |
| Change, 1 year | 11.3% | −51.6% |
| Change, 5 years | 23.9% | −45.6% |
| Beta (5Y) | 0.32 | 1.85 |
| Employees | 1,193 | 1,256 |
| StockData Score | ||
| Total score | 10 (better) | 9 |
| Valuation score | 1 | 3 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 5 (better) | 3 |
| Health score | 0 | 1 (better) |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 16.0× | 9.3× (better) |
| P/S | 3.2× | 0.4× (better) |
| P/B | 3.7× | 2.1× (better) |
| EV/EBITDA | – | 0.7× |
| P/FCF | 11.9× | – |
| FCF yield | 8.4% | – |
| Fair value | $58.49 | $47.16 |
| Margin of safety | −17.5% | 6.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 4.6% | 7.9% (better) |
| Revenue growth, 5Y average | 13.9% | 34.3% (better) |
| Net income growth (TTM) | 11.9% | 41.9% (better) |
| EPS growth (TTM) | 12.6% | 46.7% (better) |
| EPS growth, 5Y average | 20.4% | – |
| Profitability | ||
| Operating margin | – | 6.7% |
| Net margin | 20.3% (better) | 5.2% |
| FCF margin | 27.4% | – |
| Return on equity | 22.1% | 27.4% (better) |
| Financial health | ||
| Interest coverage | – | 5.9× |
| Altman Z-score | 1.52 (better) | 0.16 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 6.8% | – |
| Payout ratio | 109% | – |
| Years of dividend growth | 2 | – |
| Dividend growth, 5Y average | 22.0% | – |
| Shareholder yield | 6.8% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 95.6% | 60.9% |
| Held by insiders | 1.6% | 40.6% |
| Insider net buying, 12 months | $1.5M (better) | −$3.1M |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 9.4% | 22.0% |
Go deeper
- RLI stock overview
- RLI income statement
- RLI valuation and score
- ROOT stock overview
- ROOT income statement
- ROOT valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.