RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
55.14 USD
-1.01 (-1.8%)
55.14 USD
0 (0%)
RYAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. RYAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, RYAN is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
RYAN had positive earnings in the past year.
RYAN had a positive operating cash flow in the past year.
RYAN had positive earnings in each of the past 5 years.
RYAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RYAN has a worse Return On Assets (0.72%) than 66.89% of its industry peers.
The Return On Equity of RYAN (11.18%) is comparable to the rest of the industry.
RYAN has a better Return On Invested Capital (10.10%) than 93.92% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RYAN is significantly above the industry average of 4.57%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 11.18% | ||
| ROIC | 10.1% |
ROA(3y)0.93%
ROA(5y)1.1%
ROE(3y)12.97%
ROE(5y)16.02%
ROIC(3y)10.21%
ROIC(5y)9.27%
1.3 Margins
With a Profit Margin value of 2.38%, RYAN is not doing good in the industry: 81.08% of the companies in the same industry are doing better.
RYAN's Profit Margin has declined in the last couple of years.
RYAN has a Operating Margin of 22.14%. This is amongst the best in the industry. RYAN outperforms 82.43% of its industry peers.
In the last couple of years the Operating Margin of RYAN has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.14% | ||
| PM (TTM) | 2.38% | ||
| GM | N/A |
OM growth 3Y6.77%
OM growth 5Y12.9%
PM growth 3Y-6.47%
PM growth 5Y-14.82%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), RYAN is creating some value.
RYAN has more shares outstanding than it did 1 year ago.
RYAN has more shares outstanding than it did 5 years ago.
RYAN has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.50, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
RYAN's Altman-Z score of 1.50 is amongst the best of the industry. RYAN outperforms 83.11% of its industry peers.
The Debt to FCF ratio of RYAN is 5.96, which is a neutral value as it means it would take RYAN, 5.96 years of fcf income to pay off all of its debts.
RYAN's Debt to FCF ratio of 5.96 is on the low side compared to the rest of the industry. RYAN is outperformed by 65.54% of its industry peers.
RYAN has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.31, RYAN is not doing good in the industry: 95.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.5 |
ROIC/WACC1.25
WACC8.1%
2.3 Liquidity
A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
The Current ratio of RYAN (1.00) is better than 79.05% of its industry peers.
RYAN has a Quick Ratio of 1.00. This is a bad value and indicates that RYAN is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of RYAN (1.00) is better than 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.57% over the past year.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.82% yearly.
The Revenue has been growing slightly by 0.90% in the past year.
The Revenue has been growing by 26.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
3.2 Future
Based on estimates for the next years, RYAN will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.63% on average per year.
The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
EPS Next Y15.16%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
EPS Next 5Y19.63%
Revenue Next Year22.34%
Revenue Next 2Y19.48%
Revenue Next 3Y17.81%
Revenue Next 5Y16.21%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 27.99, which means the current valuation is very expensive for RYAN.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 79.73% of the companies are valued more cheaply.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 22.06 indicates a rather expensive valuation of RYAN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 76.35% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.10. RYAN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.99 | ||
| Fwd PE | 22.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 67.57% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 68.92% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.56 | ||
| EV/EBITDA | 19.34 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RYAN does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 19.20% in the coming years.
PEG (NY)1.85
PEG (5Y)N/A
EPS Next 2Y18.18%
EPS Next 3Y19.2%
5. Dividend
5.1 Amount
With a yearly dividend of 0.85%, RYAN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.32, RYAN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
5.2 History
RYAN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
55.14
-1.01 (-1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.1%
Inst Owner Change-0.54%
Ins Owners13.46%
Ins Owner Change0.12%
Market Cap14.55B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price Target67.64 (22.67%)
Short Float %7.64%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.97%
Min EPS beat(2)-1.33%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-1.68%
Min EPS beat(4)-2.5%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-1.31%
EPS beat(12)4
Avg EPS beat(12)-0.5%
EPS beat(16)7
Avg EPS beat(16)0.28%
Revenue beat(2)2
Avg Revenue beat(2)0.5%
Min Revenue beat(2)0.35%
Max Revenue beat(2)0.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-1.24%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-0.4%
Revenue beat(16)5
Avg Revenue beat(16)-0.27%
PT rev (1m)-7.48%
PT rev (3m)-8.54%
EPS NQ rev (1m)-7.64%
EPS NQ rev (3m)-6.94%
EPS NY rev (1m)-1.27%
EPS NY rev (3m)-1.9%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.99 | ||
| Fwd PE | 22.06 | ||
| P/S | 4.91 | ||
| P/FCF | 25.56 | ||
| P/OCF | 22.73 | ||
| P/B | 23.07 | ||
| P/tB | N/A | ||
| EV/EBITDA | 19.34 |
EPS(TTM)1.97
EY3.57%
EPS(NY)2.5
Fwd EY4.53%
FCF(TTM)2.16
FCFY3.91%
OCF(TTM)2.43
OCFY4.4%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.85
PEG (5Y)N/A
Graham Number10.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 11.18% | ||
| ROCE | 12.16% | ||
| ROIC | 10.1% | ||
| ROICexc | 10.4% | ||
| ROICexgc | 110.81% | ||
| OM | 22.14% | ||
| PM (TTM) | 2.38% | ||
| GM | N/A | ||
| FCFM | 19.2% |
ROA(3y)0.93%
ROA(5y)1.1%
ROE(3y)12.97%
ROE(5y)16.02%
ROIC(3y)10.21%
ROIC(5y)9.27%
ROICexc(3y)13.17%
ROICexc(5y)11.62%
ROICexgc(3y)93.16%
ROICexgc(5y)N/A
ROCE(3y)12.29%
ROCE(5y)11.17%
ROICexgc growth 3Y9.66%
ROICexgc growth 5Y-25.48%
ROICexc growth 3Y0.3%
ROICexc growth 5Y-1.24%
OM growth 3Y6.77%
OM growth 5Y12.9%
PM growth 3Y-6.47%
PM growth 5Y-14.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Debt/EBITDA | 3.59 | ||
| Cap/Depr | 25.62% | ||
| Cap/Sales | 2.4% | ||
| Interest Coverage | 3.51 | ||
| Cash Conversion | 68.59% | ||
| Profit Quality | 807.06% | ||
| Current Ratio | 1 | ||
| Quick Ratio | 1 | ||
| Altman-Z | 1.5 |
F-Score3
WACC8.1%
ROIC/WACC1.25
Cap/Depr(3y)24.87%
Cap/Depr(5y)82.79%
Cap/Sales(3y)1.54%
Cap/Sales(5y)6.2%
Profit Quality(3y)577.52%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
EPS Next Y15.16%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.34%
Revenue Next 2Y19.48%
Revenue Next 3Y17.81%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.88%
EBIT Next 3Y28.06%
EBIT Next 5Y23%
FCF growth 1Y39.48%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y47.21%
OCF growth 3Y23.48%
OCF growth 5Y28.06%
RYAN SPECIALTY HOLDINGS INC / RYAN FAQ
What is the fundamental rating for RYAN stock?
ChartMill assigns a fundamental rating of 3 / 10 to RYAN.
Can you provide the valuation status for RYAN SPECIALTY HOLDINGS INC?
ChartMill assigns a valuation rating of 1 / 10 to RYAN SPECIALTY HOLDINGS INC (RYAN). This can be considered as Overvalued.
Can you provide the profitability details for RYAN SPECIALTY HOLDINGS INC?
RYAN SPECIALTY HOLDINGS INC (RYAN) has a profitability rating of 5 / 10.
What is the valuation of RYAN SPECIALTY HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RYAN SPECIALTY HOLDINGS INC (RYAN) is 27.99 and the Price/Book (PB) ratio is 23.07.
Is the dividend of RYAN SPECIALTY HOLDINGS INC sustainable?
The dividend rating of RYAN SPECIALTY HOLDINGS INC (RYAN) is 0 / 10 and the dividend payout ratio is 85.88%.