RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - NYSE:RYAN - US78351F1075 - Common Stock
56.45 USD
-0.41 (-0.72%)
56.45 USD
0 (0%)
Taking everything into account, RYAN scores 4 out of 10 in our fundamental rating. RYAN was compared to 146 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. RYAN is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year RYAN was profitable.
In the past year RYAN had a positive cash flow from operations.
Each year in the past 5 years RYAN has been profitable.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
RYAN's Return On Assets of 0.54% is on the low side compared to the rest of the industry. RYAN is outperformed by 70.55% of its industry peers.
Looking at the Return On Equity, with a value of 9.41%, RYAN is in line with its industry, outperforming 45.89% of the companies in the same industry.
RYAN's Return On Invested Capital of 9.94% is amongst the best of the industry. RYAN outperforms 94.52% of its industry peers.
RYAN had an Average Return On Invested Capital over the past 3 years of 10.21%. This is significantly above the industry average of 4.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 9.41% | ||
| ROIC | 9.94% |
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 2.04%, RYAN is not doing good in the industry: 80.14% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RYAN has declined.
With an excellent Operating Margin value of 22.93%, RYAN belongs to the best of the industry, outperforming 83.56% of the companies in the same industry.
In the last couple of years the Operating Margin of RYAN has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.93% | ||
| PM (TTM) | 2.04% | ||
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so RYAN is still 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.
The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
RYAN has an Altman-Z score of 1.38. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
RYAN has a Altman-Z score of 1.38. This is amongst the best in the industry. RYAN outperforms 82.19% of its industry peers.
RYAN has a debt to FCF ratio of 6.81. This is a slightly negative value and a sign of low solvency as RYAN would need 6.81 years to pay back of all of its debts.
RYAN has a Debt to FCF ratio of 6.81. This is in the lower half of the industry: RYAN underperforms 66.44% of its industry peers.
A Debt/Equity ratio of 5.59 is on the high side and indicates that RYAN has dependencies on debt financing.
With a Debt to Equity ratio value of 5.59, RYAN is not doing good in the industry: 95.21% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.38 |
ROIC/WACC1.23
WACC8.11%
2.3 Liquidity
RYAN has a Current Ratio of 1.01. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Current ratio value of 1.01, RYAN is doing good in the industry, outperforming 78.77% of the companies in the same industry.
RYAN has a Quick Ratio of 1.01. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
RYAN has a better Quick ratio (1.01) than 78.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.57%, which is quite good.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.82% yearly.
RYAN shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.09%.
Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 26.88% on average per year.
EPS 1Y (TTM)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
Revenue 1Y (TTM)21.09%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
3.2 Future
The Earnings Per Share is expected to grow by 19.63% on average over the next years. This is quite good.
Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 16.21% on average per year.
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
RYAN is valuated quite expensively with a Price/Earnings ratio of 28.65.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 78.77% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.89. RYAN is around the same levels.
The Price/Forward Earnings ratio is 22.58, which indicates a rather expensive current valuation of RYAN.
RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 74.66% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, RYAN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.65 | ||
| Fwd PE | 22.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 67.81% 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 67.81% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.2 | ||
| EV/EBITDA | 20.55 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 19.20% in the coming years.
PEG (NY)1.89
PEG (5Y)N/A
EPS Next 2Y18.18%
EPS Next 3Y19.2%
5. Dividend
5.1 Amount
With a yearly dividend of 0.84%, RYAN is not a good candidate for dividend investing.
RYAN's Dividend Yield is slightly below the industry average, which is at 3.55.
With a Dividend Yield of 0.84, RYAN pays less dividend than the S&P500 average, which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
5.2 History
RYAN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RYAN pays out 100.59% of its income as dividend. This is not a sustainable payout ratio.
DP100.59%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
56.45
-0.41 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners79.39%
Inst Owner Change-1.33%
Ins Owners13.54%
Ins Owner Change-2.36%
Market Cap14.89B
Revenue(TTM)2.52B
Net Income(TTM)57.38M
Analysts80.95
Price Target73.44 (30.1%)
Short Float %7.15%
Short Ratio4.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP100.59%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.43%
Min EPS beat(2)-2.26%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-2.16%
Min EPS beat(4)-3.27%
Max EPS beat(4)-0.61%
EPS beat(8)2
Avg EPS beat(8)-1%
EPS beat(12)4
Avg EPS beat(12)-0.74%
EPS beat(16)8
Avg EPS beat(16)2.29%
Revenue beat(2)1
Avg Revenue beat(2)0.04%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)0.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.61%
Min Revenue beat(4)-1.3%
Max Revenue beat(4)0.66%
Revenue beat(8)1
Avg Revenue beat(8)-0.77%
Revenue beat(12)2
Avg Revenue beat(12)-0.81%
Revenue beat(16)5
Avg Revenue beat(16)0.17%
PT rev (1m)-1.93%
PT rev (3m)-7.03%
EPS NQ rev (1m)-2.85%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-1.94%
EPS NY rev (3m)-3.51%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-1.5%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.65 | ||
| Fwd PE | 22.58 | ||
| P/S | 5.29 | ||
| P/FCF | 29.2 | ||
| P/OCF | 26.05 | ||
| P/B | 24.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.55 |
EPS(TTM)1.97
EY3.49%
EPS(NY)2.5
Fwd EY4.43%
FCF(TTM)1.93
FCFY3.42%
OCF(TTM)2.17
OCFY3.84%
SpS10.67
BVpS2.31
TBVpS-15.59
PEG (NY)1.89
PEG (5Y)N/A
Graham Number10.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 9.41% | ||
| ROCE | 11.97% | ||
| ROIC | 9.94% | ||
| ROICexc | 10.27% | ||
| ROICexgc | 107.41% | ||
| OM | 22.93% | ||
| PM (TTM) | 2.04% | ||
| GM | N/A | ||
| FCFM | 18.12% |
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 Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Debt/EBITDA | 3.83 | ||
| Cap/Depr | 25.15% | ||
| Cap/Sales | 2.19% | ||
| Interest Coverage | 4.11 | ||
| Cash Conversion | 64.18% | ||
| Profit Quality | 888.27% | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 1.38 |
F-Score3
WACC8.11%
ROIC/WACC1.23
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)21.09%
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-1.3%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.88%
EBIT Next 3Y28.06%
EBIT Next 5Y23%
FCF growth 1Y73.26%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y81.03%
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 4 / 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 28.65 and the Price/Book (PB) ratio is 24.4.
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 100.59%.