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Side-by-side financial comparison of RLI CORP (RLI) and VinFast Auto Ltd. (VFS). Click either name above to swap in a different company.
VinFast Auto Ltd. is the larger business by last-quarter revenue ($718.6M vs $465.7M, roughly 1.5× RLI CORP). RLI CORP runs the higher net margin — 19.6% vs -2.8%, a 22.4% gap on every dollar of revenue.
RLI Corp. is an American insurance company specializing in property insurance and casualty insurance. It is headquartered in Peoria, Illinois.
VinFast Auto Ltd. is a Vietnamese multinational automotive company founded by Vingroup, one of the largest private conglomerates in Vietnam that was founded by Phạm Nhật Vượng.
RLI vs VFS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $465.7M | $718.6M |
| Net Profit | $91.2M | $-20.0M |
| Gross Margin | — | — |
| Operating Margin | 24.4% | -96.1% |
| Net Margin | 19.6% | -2.8% |
| Revenue YoY | 6.1% | — |
| Net Profit YoY | 123.1% | — |
| EPS (diluted) | $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 | $465.7M | — | ||
| Q3 25 | $509.3M | $718.6M | ||
| Q2 25 | $499.8M | $663.0M | ||
| Q1 25 | $407.7M | $656.5M | ||
| Q4 24 | $439.1M | — | ||
| Q3 24 | $470.0M | $511.6M | ||
| Q2 24 | $416.4M | — | ||
| Q1 24 | $444.8M | $302.6M |
| Q4 25 | $91.2M | — | ||
| Q3 25 | $124.6M | $-20.0M | ||
| Q2 25 | $124.3M | $-51.8M | ||
| Q1 25 | $63.2M | $-26.1M | ||
| Q4 24 | $40.9M | — | ||
| Q3 24 | $95.0M | $-10.4M | ||
| Q2 24 | $82.0M | — | ||
| Q1 24 | $127.9M | $-618.3M |
| Q4 25 | 24.4% | — | ||
| Q3 25 | 30.9% | -96.1% | ||
| Q2 25 | 31.3% | -79.0% | ||
| Q1 25 | 19.3% | -74.0% | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | 24.9% | -65.9% | ||
| Q2 24 | 24.8% | — | ||
| Q1 24 | 36.0% | -139.4% |
| Q4 25 | 19.6% | — | ||
| Q3 25 | 24.5% | -2.8% | ||
| Q2 25 | 24.9% | -7.8% | ||
| Q1 25 | 15.5% | -4.0% | ||
| Q4 24 | 9.3% | — | ||
| Q3 24 | 20.2% | -2.0% | ||
| Q2 24 | 19.7% | — | ||
| Q1 24 | 28.8% | -204.3% |
| Q4 25 | $1.00 | — | ||
| Q3 25 | $1.35 | — | ||
| Q2 25 | $1.34 | — | ||
| Q1 25 | $0.68 | — | ||
| Q4 24 | $-2.87 | — | ||
| Q3 24 | $2.06 | — | ||
| Q2 24 | $1.78 | — | ||
| Q1 24 | $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 | — | $8.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.8B | — |
| Total Assets | $6.2B | $183.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $8.8M | ||
| Q2 25 | — | $650.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.9M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $3.0M |
| 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 | $1.8B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.7B | $-7.2B | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $6.2B | — | ||
| Q3 25 | $6.2B | $183.2M | ||
| Q2 25 | $6.0B | $7.2B | ||
| Q1 25 | $5.7B | $158.2M | ||
| Q4 24 | $5.6B | — | ||
| Q3 24 | $5.8B | $151.8M | ||
| Q2 24 | $5.5B | — | ||
| Q1 24 | $5.3B | $145.6M |
| 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 | $156.8M | — |
| Free Cash FlowOCF − Capex | $155.0M | — |
| FCF MarginFCF / Revenue | 33.3% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | 1.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $608.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | — | ||
| Q3 25 | $179.2M | — | ||
| Q2 25 | $174.7M | — | ||
| Q1 25 | $103.5M | — | ||
| Q4 24 | $128.1M | — | ||
| Q3 24 | $219.4M | — | ||
| Q2 24 | $141.8M | — | ||
| Q1 24 | $70.9M | — |
| Q4 25 | $155.0M | — | ||
| Q3 25 | $177.8M | — | ||
| Q2 25 | $173.4M | — | ||
| Q1 25 | $102.5M | — | ||
| Q4 24 | $127.6M | — | ||
| Q3 24 | $219.0M | — | ||
| Q2 24 | $139.1M | — | ||
| Q1 24 | $69.9M | — |
| Q4 25 | 33.3% | — | ||
| Q3 25 | 34.9% | — | ||
| Q2 25 | 34.7% | — | ||
| Q1 25 | 25.1% | — | ||
| Q4 24 | 29.0% | — | ||
| Q3 24 | 46.6% | — | ||
| Q2 24 | 33.4% | — | ||
| Q1 24 | 15.7% | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 1.72× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.41× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 3.13× | — | ||
| Q3 24 | 2.31× | — | ||
| Q2 24 | 1.73× | — | ||
| Q1 24 | 0.55× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
