RLI (RLI) vs White Mountains Insurance Group (WTM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
White Mountains Insurance Group (WTM) has outperformed RLI (RLI) over the past year, gaining 8.6% versus a loss of 13.8%. Over five years, WTM leads with a +87.0% price change compared with +9.0% for RLI. RLI is the larger company by market cap ($5.17 billion vs $4.92 billion), about 1.1 times the size, while White Mountains Insurance Group is growing revenue faster (+66.8% vs +6.3%).
On valuation, RLI trades at a lower forward P/E (20.9x vs 22.9x for White Mountains Insurance Group). RLI offers the higher dividend yield (1.17% vs 0.05%). White Mountains Insurance Group converts more of its revenue into profit, with a net margin of 29.6% versus 21.4%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | RLI | WTM |
|---|---|---|
| Share price | $56.30 | $2,059.77 |
| Market cap | $5.17B | $4.92B |
| 1-day change | +1.37% | +1.39% |
| YTD return | -12.00% | -0.88% |
| 1-year return | -13.85% | +8.63% |
| 5-year return | +8.96% | +87.00% |
| P/E ratio (TTM) | 11.83 | 4.72 |
| Forward P/E | 20.89 | 22.89 |
| EPS (TTM) | $4.76 | $436.50 |
| Dividend yield | 1.17% | 0.05% |
| Annual dividend | $0.66 | $1.00 |
| Revenue (latest FY) | $1.88B | $3.73B |
| Revenue growth (YoY) | +6.33% | +66.76% |
| Net income (latest FY) | $403.34M | $1.11B |
| Gross margin | — | 95.94% |
| Net margin | 21.43% | 29.62% |
| 52-week high | $67.12 | $2,333.00 |
| 52-week low | $47.26 | $1,830.13 |
| Distance from 52-week high | -16.12% | -11.71% |
| Analyst consensus | hold | — |
| Avg. price target upside | +4.80% | — |
| Average volume | 752.61K | 19.73K |
| Shares outstanding | 91.77M | 2.39M |
| Employees | 1,193 | 1,648 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- WTM has outperformed RLI by 22.5 percentage points over the past year.
- RLI trades at a higher earnings multiple (11.8x vs 4.7x trailing P/E).
- RLI offers a meaningfully higher dividend yield (1.17% vs 0.05%).
- White Mountains Insurance Group is more profitable, keeping 29.6 cents of every revenue dollar as net income versus 21.4 cents for RLI.
- White Mountains Insurance Group grew revenue faster in its latest fiscal year (+66.76% vs +6.33%).
About RLI
RLI stock →RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products. Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers' compensation for office-based professional coverages; commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, public and private businesses risk, and home business insurance products.
Finance · Property-Casualty Insurers · 1,193 employees
About White Mountains Insurance Group
WTM stock →White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally.
Finance · Property-Casualty Insurers · 1,648 employees
RLI vs WTM FAQ
Which is bigger, RLI or White Mountains Insurance Group?
RLI (RLI) is larger, with a market capitalization of $5.17B compared with $4.92B for White Mountains Insurance Group (WTM).
Which stock has performed better over the past year, RLI or WTM?
WTM returned +8.63% over the past 12 months, compared with -13.85% for RLI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, RLI or WTM?
WTM has the lower trailing P/E at 4.7, versus 11.8 for RLI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, RLI or White Mountains Insurance Group?
RLI has the higher yield at 1.17%, compared with 0.05% for White Mountains Insurance Group.
Are RLI and White Mountains Insurance Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.