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Dec 31, 2025
Rli Q4 2025 Earnings Report
RLI reported strong fourth quarter results with solid underwriting income and improved net earnings.
Key Takeaways
RLI delivered a robust Q4 with higher net income and improved underwriting performance, driven by a strong combined ratio and investment income.
Revenue by Segment
Forward Guidance
Management highlighted continued focus on underwriting discipline and investment returns, but did not provide explicit numerical guidance.
Positive Outlook
- Strong underwriting income driven by favorable reserve development
- Combined ratio improved to 82.6
- Investment income increased compared to last year
- 30th consecutive year of underwriting profitability
- Significant capital returned to shareholders via dividends
Challenges Ahead
- Gross premiums written declined slightly
- Property segment premiums decreased YoY
- Some segments still facing competitive pressure
- Storm-related losses reduced underwriting income by $26.5M for the year
- No explicit forward financial guidance provided
Historical Earnings Impact
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Avg. Return Before/After Earnings
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