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Side-by-side financial comparison of RLI CORP (RLI) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
RLI CORP is the larger business by last-quarter revenue ($465.7M vs $339.5M, roughly 1.4× Westrock Coffee Co). RLI CORP runs the higher net margin — 19.6% vs -6.6%, a 26.2% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs 6.1%). RLI CORP produced more free cash flow last quarter ($155.0M vs $27.8M). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% CAGR vs 2.3%).
RLI Corp. is an American insurance company specializing in property insurance and casualty insurance. It is headquartered in Peoria, Illinois.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
RLI vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $465.7M | $339.5M |
| Net Profit | $91.2M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 24.4% | -2.6% |
| Net Margin | 19.6% | -6.6% |
| Revenue YoY | 6.1% | 48.3% |
| Net Profit YoY | 123.1% | 8.3% |
| EPS (diluted) | $1.00 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $509.3M | $354.8M | ||
| Q2 25 | $499.8M | $280.9M | ||
| Q1 25 | $407.7M | $213.8M | ||
| Q4 24 | $439.1M | $229.0M | ||
| Q3 24 | $470.0M | $220.9M | ||
| Q2 24 | $416.4M | $208.4M | ||
| Q1 24 | $444.8M | $192.5M |
| Q4 25 | $91.2M | $-22.6M | ||
| Q3 25 | $124.6M | $-19.1M | ||
| Q2 25 | $124.3M | $-21.6M | ||
| Q1 25 | $63.2M | $-27.2M | ||
| Q4 24 | $40.9M | $-24.6M | ||
| Q3 24 | $95.0M | $-14.3M | ||
| Q2 24 | $82.0M | $-17.8M | ||
| Q1 24 | $127.9M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 24.4% | -2.6% | ||
| Q3 25 | 30.9% | -2.4% | ||
| Q2 25 | 31.3% | -5.3% | ||
| Q1 25 | 19.3% | -6.1% | ||
| Q4 24 | 10.8% | -4.3% | ||
| Q3 24 | 24.9% | -5.8% | ||
| Q2 24 | 24.8% | -7.9% | ||
| Q1 24 | 36.0% | -5.3% |
| Q4 25 | 19.6% | -6.6% | ||
| Q3 25 | 24.5% | -5.4% | ||
| Q2 25 | 24.9% | -7.7% | ||
| Q1 25 | 15.5% | -12.7% | ||
| Q4 24 | 9.3% | -10.7% | ||
| Q3 24 | 20.2% | -6.5% | ||
| Q2 24 | 19.7% | -8.5% | ||
| Q1 24 | 28.8% | -12.3% |
| Q4 25 | $1.00 | $-0.22 | ||
| Q3 25 | $1.35 | $-0.20 | ||
| Q2 25 | $1.34 | $-0.23 | ||
| Q1 25 | $0.68 | $-0.29 | ||
| Q4 24 | $-2.87 | $-0.26 | ||
| Q3 24 | $2.06 | $-0.16 | ||
| Q2 24 | $1.78 | $-0.20 | ||
| Q1 24 | $2.77 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $1.8B | $-1.9M |
| Total Assets | $6.2B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $49.9M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $44.0M | ||
| Q1 25 | — | $33.1M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | — | $22.4M | ||
| Q2 24 | — | $24.3M | ||
| Q1 24 | — | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | $100.0M | — | ||
| Q2 25 | $100.0M | — | ||
| Q1 25 | $100.0M | — | ||
| Q4 24 | $100.0M | $393.1M | ||
| Q3 24 | $100.0M | — | ||
| Q2 24 | $100.0M | — | ||
| Q1 24 | $100.0M | — |
| Q4 25 | $1.8B | $-1.9M | ||
| Q3 25 | $1.9B | $11.4M | ||
| Q2 25 | $1.7B | $18.2M | ||
| Q1 25 | $1.6B | $71.4M | ||
| Q4 24 | $1.5B | $97.5M | ||
| Q3 24 | $1.7B | $110.3M | ||
| Q2 24 | $1.6B | $81.5M | ||
| Q1 24 | $1.5B | $91.7M |
| Q4 25 | $6.2B | $1.2B | ||
| Q3 25 | $6.2B | $1.2B | ||
| Q2 25 | $6.0B | $1.2B | ||
| Q1 25 | $5.7B | $1.1B | ||
| Q4 24 | $5.6B | $1.1B | ||
| Q3 24 | $5.8B | $1.1B | ||
| Q2 24 | $5.5B | $1.1B | ||
| Q1 24 | $5.3B | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | 0.05× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | 0.07× | 4.03× | ||
| 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 | $36.7M |
| Free Cash FlowOCF − Capex | $155.0M | $27.8M |
| FCF MarginFCF / Revenue | 33.3% | 8.2% |
| Capex IntensityCapex / Revenue | 0.4% | 2.6% |
| Cash ConversionOCF / Net Profit | 1.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $608.7M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $36.7M | ||
| Q3 25 | $179.2M | $-26.6M | ||
| Q2 25 | $174.7M | $-7.0M | ||
| Q1 25 | $103.5M | $-22.1M | ||
| Q4 24 | $128.1M | $2.8M | ||
| Q3 24 | $219.4M | $-332.0K | ||
| Q2 24 | $141.8M | $-23.7M | ||
| Q1 24 | $70.9M | $8.0M |
| Q4 25 | $155.0M | $27.8M | ||
| Q3 25 | $177.8M | $-44.7M | ||
| Q2 25 | $173.4M | $-27.5M | ||
| Q1 25 | $102.5M | $-63.4M | ||
| Q4 24 | $127.6M | $-15.4M | ||
| Q3 24 | $219.0M | $-36.7M | ||
| Q2 24 | $139.1M | $-59.9M | ||
| Q1 24 | $69.9M | $-60.9M |
| Q4 25 | 33.3% | 8.2% | ||
| Q3 25 | 34.9% | -12.6% | ||
| Q2 25 | 34.7% | -9.8% | ||
| Q1 25 | 25.1% | -29.7% | ||
| Q4 24 | 29.0% | -6.7% | ||
| Q3 24 | 46.6% | -16.6% | ||
| Q2 24 | 33.4% | -28.7% | ||
| Q1 24 | 15.7% | -31.7% |
| Q4 25 | 0.4% | 2.6% | ||
| Q3 25 | 0.3% | 5.1% | ||
| Q2 25 | 0.3% | 7.3% | ||
| Q1 25 | 0.3% | 19.3% | ||
| Q4 24 | 0.1% | 7.9% | ||
| Q3 24 | 0.1% | 16.5% | ||
| Q2 24 | 0.7% | 17.4% | ||
| Q1 24 | 0.2% | 35.8% |
| 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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
