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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
RLI
RLI (RLI) investor relations material
RLI Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 operating EPS rose 4.9% YoY to $0.86; GAAP EPS fell to $0.88 from $1.35, largely reflecting investment-related valuation effects.
Underwriting income was $58.8M on an 86.2% combined ratio; gross premiums written grew 2% and net investment income rose 13% to $46.7M.
For nine months, underwriting income was $176.5M on an 85.9% combined ratio; net investment income rose 15% to $135M, while net earnings were $303.9M versus $312.2M.
Financial highlights
Q3 net earnings were $81.0M versus $124.6M; operating earnings were $79.3M versus $75.8M. Net premiums earned rose 4.2% to $424.9M.
Nine-month revenue increased 4.2% to $1.48B; operating EPS was $2.52 versus $2.53 and GAAP diluted EPS was $3.29 versus $3.38.
Q3 comprehensive loss was $36.8M, or $0.40 per share, versus comprehensive earnings of $152.3M, or $1.65 per share, mainly due to fixed-income valuation losses.
Book value increased 10% from year-end 2025, including dividends and repurchases; statutory surplus rose 6.4% to $1.96B.
Outlook and guidance
Underwriting profitability remains the primary focus; premium growth is pursued where underwriting profit is expected, with disciplined risk selection and cycle management.
Management expects a strong finish to 2026 and positive 2027 reinsurance renewal terms and conditions; negotiations were ongoing.
Personal Umbrella rate increases are expected to return to double-digit levels in 2027 after prior rate actions earn through.
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Latest events from RLI
- Q4 premiums rose 13% as underwriting profit continued for a 28th consecutive year.RLI
Q4 2023 - Net earnings surged 35% on premium and investment growth, with strong capital returns.RLIQ2 2026
- Record profitability, higher dividends, and all proposals approved; director shareholding raised.RLIAGM 2026
- Premiums and investment income rose, but higher losses and expenses reduced earnings.RLIQ1 2026
- 2026 meeting covers director elections, say-on-pay, auditor ratification, and robust governance.RLIProxy filing
- Earnings and book value surged, with strong underwriting, investment gains, and special dividends.RLIQ4 2025
- Q3 2025 net earnings up 31%, book value per share up 26%, and combined ratio at 84.0–85.1.RLIQ3 2025
- Premium and book value rose, but net earnings fell on equity losses; dividend increased.RLIQ1 2025
- Record premium growth, 29 years of underwriting profit, and robust shareholder returns.RLIQ4 2024
Next RLI earnings date
Q4 202621 Jan, 2027
RLI
Next RLI earnings date
Q4 202621 Jan, 2027
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Frequently asked questions
RLI Corp is an insurance holding company that provides property and casualty insurance products through its subsidiaries. The company underwrites specialty insurance lines including commercial, personal, surety, and professional liability coverage. It operates nationwide and distributes its products through independent agents and brokers. RLI Corp is headquartered in Peoria, Illinois, and its shares are listed on the NYSE.