RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:RYAN • US78351F1075

47.72 USD
+0.71 (+1.51%)
Last: Feb 6, 2026, 11:59 AM
Fundamental Rating

3

Overall RYAN gets a fundamental rating of 3 out of 10. We evaluated RYAN against 147 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.
  • RYAN had a positive operating cash flow in the past year.
  • 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.
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 0 200M 400M 600M

1.2 Ratios

  • RYAN has a Return On Assets of 0.72%. This is in the lower half of the industry: RYAN underperforms 66.67% of its industry peers.
  • RYAN's Return On Equity of 11.18% is in line compared to the rest of the industry. RYAN outperforms 49.66% of its industry peers.
  • The Return On Invested Capital of RYAN (10.10%) is better than 93.20% of its industry peers.
  • RYAN had an Average Return On Invested Capital over the past 3 years of 10.21%. This is below the industry average of 14.94%.
Industry RankSector 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%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

  • The Profit Margin of RYAN (2.38%) is worse than 79.59% of its industry peers.
  • In the last couple of years the Profit Margin of RYAN has declined.
  • RYAN has a better Operating Margin (22.14%) than 78.91% of its industry peers.
  • RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector 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
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • The number of shares outstanding for RYAN has been increased compared to 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.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 1.34, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of RYAN (1.34) is better than 85.03% of its industry peers.
  • The Debt to FCF ratio of RYAN is 5.96, which is a neutral value as it means it would take RYAN, 5.96 years of fcf income to pay off 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 65.99% 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 has a Debt to Equity ratio of 5.31. This is amonst the worse of the industry: RYAN underperforms 94.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Altman-Z 1.34
ROIC/WACC1.24
WACC8.12%
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 0 1B 2B 3B

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.
  • Looking at the Current ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
  • 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.
  • With a decent Quick ratio value of 1.00, RYAN is doing good in the industry, outperforming 79.59% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

More info and screens

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

6

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.
  • The Revenue has been growing by 26.88% on average over the past years. This is a very strong growth!
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.
  • The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.22, the valuation of RYAN can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 74.83% of the companies listed in the same industry.
  • RYAN's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.67.
  • A Price/Forward Earnings ratio of 19.56 indicates a rather expensive valuation of RYAN.
  • RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 70.07% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. RYAN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 24.22
Fwd PE 19.56
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

  • Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 63.95% of the companies are valued more cheaply.
  • Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 65.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.12
EV/EBITDA 16.76
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • RYAN's earnings are expected to grow with 18.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.64
PEG (5Y)N/A
EPS Next 2Y16.75%
EPS Next 3Y18.3%

More info and screens

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

1

5. Dividend

5.1 Amount

  • RYAN has a Yearly Dividend Yield of 1.01%.
  • Compared to an average industry Dividend Yield of 2.24, RYAN has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, RYAN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.01%

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 2025 0.2 0.4 0.6

5.3 Sustainability

  • RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
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 0 100M 200M 300M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (2/6/2026, 11:59:09 AM)

47.72

+0.71 (+1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-12
Inst Owners82.16%
Inst Owner Change-2.71%
Ins Owners13.47%
Ins Owner Change0.05%
Market Cap12.59B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts78.33
Price Target66.43 (39.21%)
Short Float %6.51%
Short Ratio5.02
Dividend
Industry RankSector Rank
Dividend Yield 1.01%
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.97%
Min EPS beat(2)-1.33%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-1.68%
Min EPS beat(4)-2.5%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-1.31%
EPS beat(12)4
Avg EPS beat(12)-0.5%
EPS beat(16)7
Avg EPS beat(16)0.28%
Revenue beat(2)2
Avg Revenue beat(2)0.5%
Min Revenue beat(2)0.35%
Max Revenue beat(2)0.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-1.24%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-0.4%
Revenue beat(16)5
Avg Revenue beat(16)-0.27%
PT rev (1m)-0.26%
PT rev (3m)-9.55%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-8.01%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)-1.63%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)-0.81%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 24.22
Fwd PE 19.56
P/S 4.25
P/FCF 22.12
P/OCF 19.67
P/B 19.97
P/tB N/A
EV/EBITDA 16.76
EPS(TTM)1.97
EY4.13%
EPS(NY)2.44
Fwd EY5.11%
FCF(TTM)2.16
FCFY4.52%
OCF(TTM)2.43
OCFY5.08%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.64
PEG (5Y)N/A
Graham Number10.29
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 11.18%
ROCE 12.16%
ROIC 10.1%
ROICexc 10.4%
ROICexgc 110.81%
OM 22.14%
PM (TTM) 2.38%
GM N/A
FCFM 19.2%
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 Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Debt/EBITDA 3.59
Cap/Depr 25.62%
Cap/Sales 2.4%
Interest Coverage 3.51
Cash Conversion 68.59%
Profit Quality 807.06%
Current Ratio 1
Quick Ratio 1
Altman-Z 1.34
F-Score3
WACC8.12%
ROIC/WACC1.24
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 Y14.73%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.57%
Revenue Next 2Y19.51%
Revenue Next 3Y18.14%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year48.93%
EBIT Next 3Y25.89%
EBIT Next 5Y23%
FCF growth 1Y39.48%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y47.21%
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 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.