RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
50 USD
-0.4 (-0.79%)
50 USD
0 (0%)
RYAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals 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.
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.
- In the past 5 years RYAN has always been profitable.
- RYAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- RYAN's Return On Assets of 0.72% is on the low side compared to the rest of the industry. RYAN is outperformed by 66.44% of its industry peers.
- With a Return On Equity value of 11.18%, RYAN perfoms like the industry average, outperforming 49.66% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 10.10%, RYAN belongs to the best of the industry, outperforming 92.62% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for RYAN is below the industry average of 14.92%.
| 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
- Looking at the Profit Margin, with a value of 2.38%, RYAN is doing worse than 79.19% of the companies in the same industry.
- RYAN's Profit Margin has declined in the last couple of years.
- RYAN's Operating Margin of 22.14% is fine compared to the rest of the industry. RYAN outperforms 78.52% of its industry peers.
- RYAN's Operating Margin has improved in the last couple of years.
| 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
- RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- RYAN has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for RYAN has been increased compared to 5 years ago.
- The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.40, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of RYAN (1.40) is better than 82.55% of its industry peers.
- RYAN has a debt to FCF ratio of 5.96. This is a neutral value as RYAN would need 5.96 years to pay back of all of its debts.
- RYAN has a Debt to FCF ratio of 5.96. This is in the lower half of the industry: RYAN underperforms 65.77% 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.
- RYAN's Debt to Equity ratio of 5.31 is on the low side compared to the rest of the industry. RYAN is outperformed by 94.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.24
WACC8.12%
2.3 Liquidity
- RYAN has a Current 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.
- RYAN has a better Current ratio (1.00) than 78.52% 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.
- RYAN has a better Quick ratio (1.00) than 78.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
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.
- The earnings per share for RYAN have been decreasing by -11.82% on average. This is quite bad
- The Revenue has been growing slightly by 0.90% in the past year.
- RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.88% yearly.
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
- RYAN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.63% yearly.
- RYAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.21% yearly.
EPS Next Y14.73%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
EPS Next 5Y19.63%
Revenue Next Year22.57%
Revenue Next 2Y19.51%
Revenue Next 3Y18.14%
Revenue Next 5Y16.21%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 25.38, RYAN can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 74.50% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. RYAN is around the same levels.
- The Price/Forward Earnings ratio is 20.49, which indicates a rather expensive current valuation of RYAN.
- 72.48% of the companies in the same industry are cheaper than RYAN, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, RYAN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.38 | ||
| Fwd PE | 20.49 |
4.2 Price Multiples
- RYAN's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 66.44% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 67.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.18 | ||
| EV/EBITDA | 17.6 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as RYAN's earnings are expected to grow with 18.30% in the coming years.
PEG (NY)1.72
PEG (5Y)N/A
EPS Next 2Y16.75%
EPS Next 3Y18.3%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.95%, RYAN is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.43, RYAN is paying slightly less dividend.
- With a Dividend Yield of 0.95, RYAN pays less dividend than the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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
- 85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
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 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 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 2 / 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 14.73% in the next year.