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Side-by-side financial comparison of Arhaus, Inc. (ARHS) and RLI CORP (RLI). Click either name above to swap in a different company.
RLI CORP is the larger business by last-quarter revenue ($465.7M vs $364.8M, roughly 1.3× Arhaus, Inc.). RLI CORP runs the higher net margin — 19.6% vs 4.1%, a 15.4% gap on every dollar of revenue. On growth, RLI CORP posted the faster year-over-year revenue change (6.1% vs 5.1%). RLI CORP produced more free cash flow last quarter ($155.0M vs $-8.8M). Over the past eight quarters, Arhaus, Inc.'s revenue compounded faster (11.2% CAGR vs 2.3%).
Arhaus, Inc.ARHSEarnings & Financial Report
Arhaus, Inc. is an upscale American home furnishings company headquartered in Boston Heights, Ohio. Founded in 1986 with a focus on sustainability and artisanship in product quality, Arhaus provides a diversified assortment of specialty goods and services addressing omnichannel direct-to-consumer and business-to-business residential and commercial operations.
RLI Corp. is an American insurance company specializing in property insurance and casualty insurance. It is headquartered in Peoria, Illinois.
ARHS vs RLI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $364.8M | $465.7M |
| Net Profit | $15.1M | $91.2M |
| Gross Margin | 38.1% | — |
| Operating Margin | 5.6% | 24.4% |
| Net Margin | 4.1% | 19.6% |
| Revenue YoY | 5.1% | 6.1% |
| Net Profit YoY | -29.1% | 123.1% |
| EPS (diluted) | $0.11 | $1.00 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $364.8M | $465.7M | ||
| Q3 25 | $344.6M | $509.3M | ||
| Q2 25 | $358.4M | $499.8M | ||
| Q1 25 | $311.4M | $407.7M | ||
| Q4 24 | $347.0M | $439.1M | ||
| Q3 24 | $319.1M | $470.0M | ||
| Q2 24 | $309.8M | $416.4M | ||
| Q1 24 | $295.2M | $444.8M |
| Q4 25 | $15.1M | $91.2M | ||
| Q3 25 | $12.2M | $124.6M | ||
| Q2 25 | $35.1M | $124.3M | ||
| Q1 25 | $4.9M | $63.2M | ||
| Q4 24 | $21.3M | $40.9M | ||
| Q3 24 | $9.9M | $95.0M | ||
| Q2 24 | $22.2M | $82.0M | ||
| Q1 24 | $15.1M | $127.9M |
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 41.4% | — | ||
| Q1 25 | 37.1% | — | ||
| Q4 24 | 40.0% | — | ||
| Q3 24 | 38.6% | — | ||
| Q2 24 | 40.1% | — | ||
| Q1 24 | 39.0% | — |
| Q4 25 | 5.6% | 24.4% | ||
| Q3 25 | 4.8% | 30.9% | ||
| Q2 25 | 13.0% | 31.3% | ||
| Q1 25 | 1.7% | 19.3% | ||
| Q4 24 | 8.2% | 10.8% | ||
| Q3 24 | 3.3% | 24.9% | ||
| Q2 24 | 9.5% | 24.8% | ||
| Q1 24 | 6.2% | 36.0% |
| Q4 25 | 4.1% | 19.6% | ||
| Q3 25 | 3.5% | 24.5% | ||
| Q2 25 | 9.8% | 24.9% | ||
| Q1 25 | 1.6% | 15.5% | ||
| Q4 24 | 6.1% | 9.3% | ||
| Q3 24 | 3.1% | 20.2% | ||
| Q2 24 | 7.2% | 19.7% | ||
| Q1 24 | 5.1% | 28.8% |
| Q4 25 | $0.11 | $1.00 | ||
| Q3 25 | $0.09 | $1.35 | ||
| Q2 25 | $0.25 | $1.34 | ||
| Q1 25 | $0.03 | $0.68 | ||
| Q4 24 | $0.15 | $-2.87 | ||
| Q3 24 | $0.07 | $2.06 | ||
| Q2 24 | $0.16 | $1.78 | ||
| Q1 24 | $0.11 | $2.77 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $253.4M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $418.2M | $1.8B |
| Total Assets | $1.4B | $6.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $253.4M | — | ||
| Q3 25 | $262.2M | — | ||
| Q2 25 | $234.8M | — | ||
| Q1 25 | $214.4M | — | ||
| Q4 24 | $197.5M | — | ||
| Q3 24 | $177.7M | — | ||
| Q2 24 | $174.2M | — | ||
| Q1 24 | $233.2M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $100.0M | ||
| Q1 25 | — | $100.0M | ||
| Q4 24 | — | $100.0M | ||
| Q3 24 | — | $100.0M | ||
| Q2 24 | — | $100.0M | ||
| Q1 24 | — | $100.0M |
| Q4 25 | $418.2M | $1.8B | ||
| Q3 25 | $400.4M | $1.9B | ||
| Q2 25 | $385.6M | $1.7B | ||
| Q1 25 | $348.8M | $1.6B | ||
| Q4 24 | $343.7M | $1.5B | ||
| Q3 24 | $320.6M | $1.7B | ||
| Q2 24 | $309.3M | $1.6B | ||
| Q1 24 | $285.6M | $1.5B |
| Q4 25 | $1.4B | $6.2B | ||
| Q3 25 | $1.4B | $6.2B | ||
| Q2 25 | $1.3B | $6.0B | ||
| Q1 25 | $1.3B | $5.7B | ||
| Q4 24 | $1.2B | $5.6B | ||
| Q3 24 | $1.2B | $5.8B | ||
| Q2 24 | $1.2B | $5.5B | ||
| Q1 24 | $1.2B | $5.3B |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.06× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.06× | ||
| Q1 24 | — | 0.07× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $9.3M | $156.8M |
| Free Cash FlowOCF − Capex | $-8.8M | $155.0M |
| FCF MarginFCF / Revenue | -2.4% | 33.3% |
| Capex IntensityCapex / Revenue | 5.0% | 0.4% |
| Cash ConversionOCF / Net Profit | 0.62× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $59.0M | $608.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.3M | $156.8M | ||
| Q3 25 | $46.1M | $179.2M | ||
| Q2 25 | $34.9M | $174.7M | ||
| Q1 25 | $46.5M | $103.5M | ||
| Q4 24 | $31.7M | $128.1M | ||
| Q3 24 | $31.1M | $219.4M | ||
| Q2 24 | $47.5M | $141.8M | ||
| Q1 24 | $36.8M | $70.9M |
| Q4 25 | $-8.8M | $155.0M | ||
| Q3 25 | $28.0M | $177.8M | ||
| Q2 25 | $20.9M | $173.4M | ||
| Q1 25 | $18.9M | $102.5M | ||
| Q4 24 | $13.0M | $127.6M | ||
| Q3 24 | $4.6M | $219.0M | ||
| Q2 24 | $11.3M | $139.1M | ||
| Q1 24 | $10.9M | $69.9M |
| Q4 25 | -2.4% | 33.3% | ||
| Q3 25 | 8.1% | 34.9% | ||
| Q2 25 | 5.8% | 34.7% | ||
| Q1 25 | 6.1% | 25.1% | ||
| Q4 24 | 3.7% | 29.0% | ||
| Q3 24 | 1.4% | 46.6% | ||
| Q2 24 | 3.6% | 33.4% | ||
| Q1 24 | 3.7% | 15.7% |
| Q4 25 | 5.0% | 0.4% | ||
| Q3 25 | 5.3% | 0.3% | ||
| Q2 25 | 3.9% | 0.3% | ||
| Q1 25 | 8.9% | 0.3% | ||
| Q4 24 | 5.4% | 0.1% | ||
| Q3 24 | 8.3% | 0.1% | ||
| Q2 24 | 11.7% | 0.7% | ||
| Q1 24 | 8.8% | 0.2% |
| Q4 25 | 0.62× | 1.72× | ||
| Q3 25 | 3.77× | 1.44× | ||
| Q2 25 | 1.00× | 1.41× | ||
| Q1 25 | 9.53× | 1.64× | ||
| Q4 24 | 1.49× | 3.13× | ||
| Q3 24 | 3.14× | 2.31× | ||
| Q2 24 | 2.14× | 1.73× | ||
| Q1 24 | 2.44× | 0.55× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ARHS
| Sales Channel Retail | $305.7M | 84% |
| Sales Channel E Commerce | $59.2M | 16% |
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
