COMPARE · Data as of August 27, 2026
RLI vs SAFT
Verdict: Side-by-side breakdown using the Bull Rankings model. RLI scored 69.0, SAFT scored 73.0 — SAFT leads.
Compare another set
RLI
RLI Corp.
76.8Fin
$64.22 · $5.9B
fundamentals as of
Strength gap
25.0
RLI leads
SAFT
Safety Insurance Group, Inc.
51.8Fin
$103.79 · $1.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestRLI13.5x
- Fastest growthSAFT+13.0%
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
SAFT
+6.3%C+
Rev
+13.0%B+
13.5xB
P/E
22.3xC
25.2%A-
ROE
7.8%C+
—
P/B
1.74B
1.1%C+
Yield
3.5%B+
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.
SAFTSafety Insurance Group, Inc.
Why now
Insurance - Property & Casualty · market cap $1.5b. Trading near 52-week high of $103.80 — momentum setup, limited technical margin of safety. Revenue growing +13%, comfortably above the S&P median. PEG 0.95 — paying under fair value for the growth rate.
Moat
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
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. ROE 8% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. 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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