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RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN - New York Stock Exchange, Inc. - US78351F1075 - Common Stock - Currency: USD

65.38  -3.22 (-4.69%)

After market: 65.38 0 (0%)

Fundamental Rating

4

Taking everything into account, RYAN scores 4 out of 10 in our fundamental rating. RYAN was compared to 143 industry peers in the Insurance industry. RYAN has an average financial health and profitability rating. RYAN does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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6

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.
Of the past 5 years RYAN 4 years were profitable.
Of the past 5 years RYAN 4 years had a positive operating cash flow.
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 0 100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.39%, RYAN is in line with its industry, outperforming 41.84% of the companies in the same industry.
RYAN has a Return On Equity of 18.59%. This is in the better half of the industry: RYAN outperforms 76.60% of its industry peers.
RYAN has a better Return On Invested Capital (13.04%) than 97.16% of its industry peers.
RYAN had an Average Return On Invested Capital over the past 3 years of 10.42%. This is significantly above the industry average of 4.59%.
The 3 year average ROIC (10.42%) for RYAN is below the current ROIC(13.04%), indicating increased profibility in the last year.
Industry RankSector 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%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 20 40 60 80

1.3 Margins

The Profit Margin of RYAN (4.01%) is worse than 64.54% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
RYAN's Operating Margin of 23.18% is amongst the best of the industry. RYAN outperforms 82.27% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector 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
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 5 10 15 20

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4

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.
There is no outstanding debt for RYAN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 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 2B 4B 6B

2.2 Solvency

RYAN has an Altman-Z score of 2.01. 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 better Altman-Z score (2.01) than 90.78% of its industry peers.
RYAN has a debt to FCF ratio of 6.11. This is a slightly negative value and a sign of low solvency as RYAN would need 6.11 years to pay back of all of its debts.
RYAN has a Debt to FCF ratio of 6.11. This is in the lower half of the industry: RYAN underperforms 66.67% 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 97.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.18
Debt/FCF 6.11
Altman-Z 2.01
ROIC/WACC1.48
WACC8.81%
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 0 500M 1B 1.5B

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.
Looking at the Current ratio, with a value of 1.01, RYAN is in the better half of the industry, outperforming 78.01% 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 78.01% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 1B 2B 3B 4B

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3

3. Growth

3.1 Past

RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.71%, which is quite impressive.
EPS 1Y (TTM)29.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.52%

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 17.50% on average per year.
The Revenue is expected to grow by 9.61% on average over the next years. This is quite good.
EPS Next Y26.28%
EPS Next 2Y24%
EPS Next 3Y19.17%
EPS Next 5Y17.5%
Revenue Next Year20.97%
Revenue Next 2Y18.71%
Revenue Next 3Y9.61%
Revenue Next 5YN/A

3.3 Evolution

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
RYAN Yearly EPS VS EstimatesRYAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 36.53, which means the current valuation is very expensive for RYAN.
RYAN's Price/Earnings ratio is rather expensive when compared to the industry. RYAN is more expensive than 80.85% of the companies in the same industry.
When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (29.63), we can say RYAN is valued slightly more expensively.
With a Price/Forward Earnings ratio of 28.92, RYAN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 76.60% of the companies are valued more cheaply.
RYAN's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 36.53
Fwd PE 28.92
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 70.92% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 39.03
EV/EBITDA 25.03
RYAN Per share dataRYAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of RYAN may justify a higher PE ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 19.17% in the coming years.
PEG (NY)1.39
PEG (5Y)N/A
EPS Next 2Y24%
EPS Next 3Y19.17%

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0

5. Dividend

5.1 Amount

With a yearly dividend of 0.66%, RYAN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.09, RYAN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.29, RYAN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.66%

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
RYAN Yearly Dividends per shareRYAN Yearly Dividends per shareYearly Dividends per share 2024 0.2 0.4 0.6

5.3 Sustainability

DPN/A
EPS Next 2Y24%
EPS Next 3Y19.17%
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 0 100M 200M 300M 400M

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RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (2/21/2025, 8:04:01 PM)

After market: 65.38 0 (0%)

65.38

-3.22 (-4.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20 2025-02-20/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners81.59%
Inst Owner Change3%
Ins Owners13.84%
Ins Owner Change-5.56%
Market Cap17.12B
Analysts75
Price Target77.3 (18.23%)
Short Float %4.35%
Short Ratio4.78
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-2.07%
PT rev (3m)3.55%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)0.15%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 36.53
Fwd PE 28.92
P/S 5.83
P/FCF 39.03
P/OCF 35.51
P/B 27.05
P/tB N/A
EV/EBITDA 25.03
EPS(TTM)1.79
EY2.74%
EPS(NY)2.26
Fwd EY3.46%
FCF(TTM)1.68
FCFY2.56%
OCF(TTM)1.84
OCFY2.82%
SpS11.22
BVpS2.42
TBVpS-11.69
PEG (NY)1.39
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 2.01
F-Score6
WACC8.81%
ROIC/WACC1.48
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)29.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.57%
EPS Next Y26.28%
EPS Next 2Y24%
EPS Next 3Y19.17%
EPS Next 5Y17.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.52%
Revenue Next Year20.97%
Revenue Next 2Y18.71%
Revenue Next 3Y9.61%
Revenue Next 5YN/A
EBIT growth 1Y54.6%
EBIT growth 3Y43.29%
EBIT growth 5YN/A
EBIT Next Year52.79%
EBIT Next 3Y32.72%
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