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Jun 30, 2025
Rli Q2 2025 Earnings Report
RLI posted solid earnings growth and book value gains in Q2 2025.
Key Takeaways
RLI delivered strong second-quarter results with higher net income, improved investment income, and a 16% increase in book value, driven by favorable reserve development and disciplined underwriting.
Net income rose to $124.3M on solid underwriting and investment gains.
Operating income reached $78.1M with a combined ratio of 84.5.
Book value per share grew 16% since year-end 2024.
Net investment income increased 16% to $39.4M.
Revenue by Segment
Forward Guidance
Management emphasized continued focus on underwriting discipline and leveraging favorable interest rates to sustain book value growth.
Positive Outlook
- Strong underwriting discipline maintained in competitive market
- Favorable reserve development contributed to earnings
- Investment income benefiting from higher rates
- Book value growth driven by solid operations
- Recognition as top-performing insurer by Ward’s 50 for 35th year
Challenges Ahead
- Underwriting income declined from prior year
- Higher loss and settlement expenses year over year
- Slightly lower operating EPS compared to Q2 2024
- Property combined ratio worsened from prior year
- Catastrophe losses partially offset favorable development
Historical Earnings Impact
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Avg. Return Before/After Earnings
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