COMPARE · Data as of August 27, 2026
RLI vs WTM
Verdict: Side-by-side breakdown using the Bull Rankings model. RLI scored 69.0, WTM scored 80.0 — WTM leads.
Compare another set
RLI
RLI Corp.
76.8Fin
$64.22 · $5.9B
fundamentals as of
Strength gap
2.6
RLI leads
WTM
White Mountains Insurance Group, Ltd.
74.2Fin
$2,127.57 · $5.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestWTM4.9x
- Fastest growthWTM+22.5%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
RLI
WTM
+6.3%C+
Rev
+22.5%A-
13.5xB
P/E
4.9xA
25.2%A-
ROE
20.4%A-
—
P/B
0.97A-
1.1%C+
Yield
0.1%C
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
RLIRLI Corp.
Why now
Insurance - Property & Casualty · market cap $5.9b. 6% off the 52-week high of $68.29. 4 sell-side analysts rate this a Hold with a mean 1-yr target of $60.50 (implying -6% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 25% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
WTMWhite Mountains Insurance Group, Ltd.
Why now
Insurance - Property & Casualty · market cap $5.1b. 9% off the 52-week high of $2333.00. Revenue growing +23%, comfortably above the S&P median. PEG 0.81 — paying under fair value for the growth rate.
Moat
Net margin 38% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 20% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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