RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN • US78351F1075

39.35 USD
+0.11 (+0.28%)
At close: Feb 27, 2026
39.35 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall RYAN gets a fundamental rating of 4 out of 10. We evaluated RYAN against 149 industry peers in the Insurance industry. RYAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. RYAN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • RYAN had positive earnings in the past year.
  • In the past year RYAN had a positive cash flow from operations.
  • Each year in the past 5 years RYAN has been profitable.
  • In the past 5 years RYAN always reported a positive cash flow from operatings.
RYAN Yearly Net Income VS EBIT VS OCF VS FCFRYAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.60%, RYAN is doing worse than 66.00% of the companies in the same industry.
  • RYAN has a Return On Equity (9.78%) which is comparable to the rest of the industry.
  • RYAN's Return On Invested Capital of 8.96% is amongst the best of the industry. RYAN outperforms 92.67% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for RYAN is significantly below the industry average of 15.11%.
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROIC 8.96%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

1.3 Margins

  • RYAN's Profit Margin of 2.08% is on the low side compared to the rest of the industry. RYAN is outperformed by 78.00% of its industry peers.
  • In the last couple of years the Profit Margin of RYAN has declined.
  • RYAN has a Operating Margin of 20.06%. This is in the better half of the industry: RYAN outperforms 70.67% of its industry peers.
  • RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.06%
PM (TTM) 2.08%
GM N/A
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
GM growth 3YN/A
GM growth 5YN/A
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, RYAN has more shares outstanding
  • The number of shares outstanding for RYAN has been increased compared to 5 years ago.
  • Compared to 1 year ago, RYAN has an improved debt to assets ratio.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
RYAN Yearly Total Debt VS Total AssetsRYAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • RYAN has an Altman-Z score of 1.11. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.11, RYAN belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • The Debt to FCF ratio of RYAN is 5.85, which is a neutral value as it means it would take RYAN, 5.85 years of fcf income to pay off all of its debts.
  • RYAN's Debt to FCF ratio of 5.85 is on the low side compared to the rest of the industry. RYAN is outperformed by 64.00% of its industry peers.
  • A Debt/Equity ratio of 5.08 is on the high side and indicates that RYAN has dependencies on debt financing.
  • RYAN has a Debt to Equity ratio of 5.08. This is amonst the worse of the industry: RYAN underperforms 93.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.11
ROIC/WACC1.16
WACC7.74%
RYAN Yearly LT Debt VS Equity VS FCFRYAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • RYAN has a Current Ratio of 0.98. This is a bad value and indicates that RYAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.98, RYAN is doing good in the industry, outperforming 79.33% of the companies in the same industry.
  • RYAN has a Quick Ratio of 0.98. This is a bad value and indicates that RYAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RYAN's Quick ratio of 0.98 is fine compared to the rest of the industry. RYAN outperforms 79.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.06% over the past year.
  • Measured over the past years, RYAN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -20.00% on average per year.
  • Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.54% in the last year.
  • RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.54% yearly.
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.17% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 14.67% on average over the next years. This is quite good.
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
RYAN Yearly Revenue VS EstimatesRYAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B 5B
RYAN Yearly EPS VS EstimatesRYAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3 4 5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.97, the valuation of RYAN can be described as rather expensive.
  • RYAN's Price/Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 70.00% of the companies in the same industry.
  • RYAN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
  • The Price/Forward Earnings ratio is 16.13, which indicates a correct valuation of RYAN.
  • Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than 64.00% of the companies in the same industry.
  • RYAN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19.97
Fwd PE 16.13
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RYAN is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 62.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 18.13
EV/EBITDA 15.09
RYAN Per share dataRYAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • RYAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • RYAN's earnings are expected to grow with 24.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y22.6%
EPS Next 3Y24.64%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.25%, RYAN has a reasonable but not impressive dividend return.
  • In the last 3 months the price of RYAN has falen by -32.24%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.46, RYAN has a dividend in line with its industry peers.
  • RYAN's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.25%

5.2 History

  • RYAN has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
RYAN Yearly Dividends per shareRYAN Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 98.33% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP98.33%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
RYAN Yearly Income VS Free CF VS DividendRYAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 0 200M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (2/27/2026, 8:04:00 PM)

After market: 39.35 0 (0%)

39.35

+0.11 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners82.16%
Inst Owner Change2.1%
Ins Owners13.47%
Ins Owner Change0.08%
Market Cap10.38B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts78.33
Price Target58.33 (48.23%)
Short Float %6.85%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 1.25%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP98.33%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-24
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.32%
Min EPS beat(2)-11.31%
Max EPS beat(2)-1.33%
EPS beat(4)0
Avg EPS beat(4)-3.88%
Min EPS beat(4)-11.31%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-2.68%
EPS beat(12)3
Avg EPS beat(12)-1.54%
EPS beat(16)6
Avg EPS beat(16)-0.42%
Revenue beat(2)1
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-5.29%
Max Revenue beat(2)0.35%
Revenue beat(4)2
Avg Revenue beat(4)-1.21%
Min Revenue beat(4)-5.29%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)3
Avg Revenue beat(12)-0.82%
Revenue beat(16)5
Avg Revenue beat(16)-0.48%
PT rev (1m)-12.19%
PT rev (3m)-15.81%
EPS NQ rev (1m)-2.56%
EPS NQ rev (3m)-3.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.41%
Revenue NQ rev (1m)-1.08%
Revenue NQ rev (3m)-0.66%
Revenue NY rev (1m)-2.35%
Revenue NY rev (3m)-2.3%
Valuation
Industry RankSector Rank
PE 19.97
Fwd PE 16.13
P/S 3.4
P/FCF 18.13
P/OCF 16.13
P/B 16.02
P/tB N/A
EV/EBITDA 15.09
EPS(TTM)1.97
EY5.01%
EPS(NY)2.44
Fwd EY6.2%
FCF(TTM)2.17
FCFY5.52%
OCF(TTM)2.44
OCFY6.2%
SpS11.57
BVpS2.46
TBVpS-15.9
PEG (NY)0.84
PEG (5Y)N/A
Graham Number10.44
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROCE 11.39%
ROIC 8.96%
ROICexc 9.23%
ROICexgc 128.26%
OM 20.06%
PM (TTM) 2.08%
GM N/A
FCFM 18.77%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
ROICexc(3y)11.17%
ROICexc(5y)11.42%
ROICexgc(3y)109.28%
ROICexgc(5y)95.22%
ROCE(3y)12.21%
ROCE(5y)11.9%
ROICexgc growth 3Y25.26%
ROICexgc growth 5YN/A
ROICexc growth 3Y-11.15%
ROICexc growth 5Y5.12%
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Debt/EBITDA 3.66
Cap/Depr 24.68%
Cap/Sales 2.33%
Interest Coverage 3.12
Cash Conversion 71.55%
Profit Quality 903.33%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.11
F-Score4
WACC7.74%
ROIC/WACC1.16
Cap/Depr(3y)26.14%
Cap/Depr(5y)82.48%
Cap/Sales(3y)1.88%
Cap/Sales(5y)6.32%
Profit Quality(3y)710.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%
EBIT growth 1Y-15.63%
EBIT growth 3Y17.48%
EBIT growth 5Y31.03%
EBIT Next Year66.41%
EBIT Next 3Y29.74%
EBIT Next 5Y29.95%
FCF growth 1Y22.41%
FCF growth 3Y22.35%
FCF growth 5Y37.22%
OCF growth 1Y25.02%
OCF growth 3Y24.26%
OCF growth 5Y36.59%

RYAN SPECIALTY HOLDINGS INC / RYAN FAQ

What is the fundamental rating for RYAN stock?

ChartMill assigns a fundamental rating of 3 / 10 to RYAN.


What is the valuation status for RYAN stock?

ChartMill assigns a valuation rating of 3 / 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 4 / 10.


What is the financial health of RYAN SPECIALTY HOLDINGS INC (RYAN) stock?

The financial health rating of RYAN SPECIALTY HOLDINGS INC (RYAN) is 3 / 10.


What is the expected EPS growth for RYAN SPECIALTY HOLDINGS INC (RYAN) stock?

The Earnings per Share (EPS) of RYAN SPECIALTY HOLDINGS INC (RYAN) is expected to grow by 23.84% in the next year.