RYAN SPECIALTY HOLDINGS INC (RYAN)
US78351F1075 - Common Stock
RYAN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. Both the profitability and the financial health of RYAN get a neutral evaluation. Nothing too spectacular is happening here. 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.
RYAN had a positive operating cash flow in the past year.
Each year in the past 5 years RYAN has been profitable.
RYAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RYAN has a Return On Assets (1.39%) which is in line with its industry peers.
RYAN has a better Return On Equity (18.59%) than 76.43% of its industry peers.
The Return On Invested Capital of RYAN (13.04%) is better than 97.86% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for RYAN is significantly above the industry average of 4.38%.
The 3 year average ROIC (10.42%) for RYAN is below the current ROIC(13.04%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 18.59% | ||
| ROIC | 13.04% |
ROA(3y)1.01%
ROA(5y)1.49%
ROE(3y)14.34%
ROE(5y)32.97%
ROIC(3y)10.42%
ROIC(5y)9.88%
1.3 Margins
RYAN has a Profit Margin of 4.01%. This is in the lower half of the industry: RYAN underperforms 63.57% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
RYAN has a better Operating Margin (23.18%) than 82.14% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.18% | ||
| PM (TTM) | 4.01% | ||
| GM | N/A |
OM growth 3Y12.98%
OM growth 5YN/A
PM growth 3Y-23.98%
PM growth 5YN/A
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.
Compared to 1 year ago, RYAN has about the same amount of shares outstanding.
RYAN has a better debt/assets ratio than last year.
2.2 Solvency
RYAN has an Altman-Z score of 1.92. This is not the best score and indicates that RYAN is in the grey zone with still only limited risk for bankruptcy at the moment.
RYAN has a Altman-Z score of 1.92. This is amongst the best in the industry. RYAN outperforms 91.43% of its industry peers.
The Debt to FCF ratio of RYAN is 6.11, which is on the high side as it means it would take RYAN, 6.11 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RYAN (6.11) is worse than 66.43% of its industry peers.
A Debt/Equity ratio of 4.18 is on the high side and indicates that RYAN has dependencies on debt financing.
RYAN's Debt to Equity ratio of 4.18 is on the low side compared to the rest of the industry. RYAN is outperformed by 97.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.18 | ||
| Debt/FCF | 6.11 | ||
| Altman-Z | 1.92 |
ROIC/WACC1.47
WACC8.89%
2.3 Liquidity
A Current Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
RYAN has a better Current ratio (1.01) than 78.57% of its industry peers.
A Quick Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
RYAN has a Quick ratio of 1.01. This is in the better half of the industry: RYAN outperforms 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.00% over the past year.
The earnings per share for RYAN have been decreasing by -30.34% on average. This is quite bad
The Revenue has grown by 48.37% in the past year. This is a very strong growth!
RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.83% yearly.
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%28.12%
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.47%
3.2 Future
RYAN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.38% yearly.
The Revenue is expected to grow by 12.44% on average over the next years. This is quite good.
EPS Next Y32.55%
EPS Next 2Y27.34%
EPS Next 3Y24.94%
EPS Next 5Y20.38%
Revenue Next Year21.18%
Revenue Next 2Y20.74%
Revenue Next 3Y19.14%
Revenue Next 5Y12.44%
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.
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
Based on the Price/Earnings ratio of 37.88, the valuation of RYAN can be described as expensive.
RYAN's Price/Earnings ratio is rather expensive when compared to the industry. RYAN is more expensive than 80.00% of the companies in the same industry.
RYAN's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.20.
The Price/Forward Earnings ratio is 28.60, which means the current valuation is very expensive for RYAN.
75.71% of the companies in the same industry are cheaper than RYAN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (23.73), we can say RYAN is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.88 | ||
| Fwd PE | 28.6 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 61.43% of the companies are valued more cheaply.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 70.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.21 | ||
| EV/EBITDA | 23.55 |
4.3 Compensation for Growth
RYAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
RYAN has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 24.94% in the coming years.
PEG (NY)1.16
PEG (5Y)N/A
EPS Next 2Y27.34%
EPS Next 3Y24.94%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.70%, which is pretty low.
Compared to an average industry Dividend Yield of 4.35, RYAN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
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
DPN/A
EPS Next 2Y27.34%
EPS Next 3Y24.94%
RYAN SPECIALTY HOLDINGS INC
NYSE:RYAN (12/20/2024, 8:04:01 PM)
After market: 64.01 0 (0%)64.01
+0.86 (+1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners88.28%
Inst Owner Change-2.42%
Ins Owners14.3%
Ins Owner Change-148.05%
Market Cap16.76B
Analysts74
Price Target77.5 (21.07%)
Short Float %5.83%
Short Ratio7.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.91%
Min EPS beat(2)-3.27%
Max EPS beat(2)1.45%
EPS beat(4)1
Avg EPS beat(4)-0.94%
Min EPS beat(4)-3.27%
Max EPS beat(4)1.45%
EPS beat(8)4
Avg EPS beat(8)0.09%
EPS beat(12)7
Avg EPS beat(12)0.94%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.46%
Min Revenue beat(2)-1.63%
Max Revenue beat(2)-1.3%
Revenue beat(4)0
Avg Revenue beat(4)-1.12%
Min Revenue beat(4)-1.63%
Max Revenue beat(4)-0.11%
Revenue beat(8)1
Avg Revenue beat(8)-0.5%
Revenue beat(12)3
Avg Revenue beat(12)-0.3%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.82%
PT rev (3m)13.25%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)-0.17%
EPS NY rev (3m)-0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.38%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.88 | ||
| Fwd PE | 28.6 | ||
| P/S | 5.71 | ||
| P/FCF | 38.21 | ||
| P/OCF | 34.76 | ||
| P/B | 26.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.55 |
EPS(TTM)1.69
EY2.64%
EPS(NY)2.24
Fwd EY3.5%
FCF(TTM)1.68
FCFY2.62%
OCF(TTM)1.84
OCFY2.88%
SpS11.22
BVpS2.42
TBVpS-11.69
PEG (NY)1.16
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 18.59% | ||
| ROCE | 15.08% | ||
| ROIC | 13.04% | ||
| ROICexc | 13.75% | ||
| ROICexgc | 100.84% | ||
| OM | 23.18% | ||
| PM (TTM) | 4.01% | ||
| GM | N/A | ||
| FCFM | 14.93% |
ROA(3y)1.01%
ROA(5y)1.49%
ROE(3y)14.34%
ROE(5y)32.97%
ROIC(3y)10.42%
ROIC(5y)9.88%
ROICexc(3y)13.68%
ROICexc(5y)12.24%
ROICexgc(3y)87.28%
ROICexgc(5y)N/A
ROCE(3y)12.05%
ROCE(5y)11.43%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y24.19%
ROICexc growth 5YN/A
OM growth 3Y12.98%
OM growth 5YN/A
PM growth 3Y-23.98%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.18 | ||
| Debt/FCF | 6.11 | ||
| Debt/EBITDA | 3.25 | ||
| Cap/Depr | 32.29% | ||
| Cap/Sales | 1.48% | ||
| Interest Coverage | 4.4 | ||
| Cash Conversion | 59.13% | ||
| Profit Quality | 372.77% | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 1.92 |
F-Score6
WACC8.89%
ROIC/WACC1.47
Cap/Depr(3y)119.9%
Cap/Depr(5y)80.23%
Cap/Sales(3y)9.13%
Cap/Sales(5y)6.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%28.12%
EPS Next Y32.55%
EPS Next 2Y27.34%
EPS Next 3Y24.94%
EPS Next 5Y20.38%
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.47%
Revenue Next Year21.18%
Revenue Next 2Y20.74%
Revenue Next 3Y19.14%
Revenue Next 5Y12.44%
EBIT growth 1Y54.6%
EBIT growth 3Y43.29%
EBIT growth 5YN/A
EBIT Next Year51.3%
EBIT Next 3Y32.86%
EBIT Next 5YN/A
FCF growth 1Y72.15%
FCF growth 3Y56.07%
FCF growth 5YN/A
OCF growth 1Y78.5%
OCF growth 3Y52.18%
OCF growth 5YN/A