RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - NYSE:RYAN - US78351F1075 - Common Stock
52.79 USD
-0.33 (-0.62%)
Overall RYAN gets a fundamental rating of 4 out of 10. We evaluated RYAN against 146 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. While showing a medium growth rate, RYAN is valued expensive at the moment.
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.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.54%, RYAN is doing worse than 67.81% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.41%, RYAN is in line with its industry, outperforming 45.21% of the companies in the same industry.
RYAN has a better Return On Invested Capital (9.94%) than 95.21% 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 4.47%.
| 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
Looking at the Profit Margin, with a value of 2.04%, RYAN is doing worse than 78.08% of the companies in the same industry.
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 88.36% 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
RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for RYAN has been increased compared to 1 year ago.
Compared to 5 years ago, RYAN has more shares outstanding
The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
RYAN has an Altman-Z score of 1.32. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
RYAN has a better Altman-Z score (1.32) than 80.82% of its industry peers.
The Debt to FCF ratio of RYAN is 6.81, which is on the high side as it means it would take RYAN, 6.81 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.81, RYAN is doing worse than 65.75% of the companies in the same industry.
A Debt/Equity ratio of 5.59 is on the high side and indicates that RYAN has dependencies on debt financing.
RYAN's Debt to Equity ratio of 5.59 is on the low side compared to the rest of the industry. RYAN is outperformed by 95.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.32 |
ROIC/WACC1.24
WACC8.01%
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 78.77% 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's Quick ratio of 1.01 is fine compared to the rest of the industry. RYAN outperforms 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 19.38%, which is quite good.
Measured over the past years, RYAN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.82% on average per year.
Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.73% in the last year.
The Revenue has been growing by 26.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)19.38%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%13.79%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%22.97%
3.2 Future
RYAN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.72% yearly.
The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
EPS Next Y17.39%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
EPS Next 5Y20.72%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y17.66%
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
Based on the Price/Earnings ratio of 27.64, the valuation of RYAN can be described as expensive.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 77.40% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, RYAN is valued at the same level.
The Price/Forward Earnings ratio is 20.41, 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 70.55% of the companies in the same industry.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.64 | ||
| Fwd PE | 20.41 |
4.2 Price Multiples
65.07% of the companies in the same industry are cheaper than RYAN, based on the Enterprise Value to EBITDA ratio.
RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 65.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.31 | ||
| EV/EBITDA | 19.44 |
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's earnings are expected to grow with 19.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)N/A
EPS Next 2Y20.21%
EPS Next 3Y19.86%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.91%, which is pretty low.
The stock price of RYAN dropped by -21.03% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.43, RYAN has a dividend in line with its industry peers.
With a Dividend Yield of 0.91, RYAN pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
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
RYAN pays out 100.59% of its income as dividend. This is not a sustainable payout ratio.
DP100.59%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
NYSE:RYAN (9/19/2025, 2:16:40 PM)
52.79
-0.33 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners85.96%
Inst Owner Change3.78%
Ins Owners13.69%
Ins Owner Change-1.08%
Market Cap13.92B
Analysts77.27
Price Target75.76 (43.51%)
Short Float %4.61%
Short Ratio3.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
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)-4.1%
PT rev (3m)-3.9%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)-2.94%
EPS NY rev (1m)-1.65%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.64 | ||
| Fwd PE | 20.41 | ||
| P/S | 4.95 | ||
| P/FCF | 27.31 | ||
| P/OCF | 24.37 | ||
| P/B | 22.82 | ||
| P/tB | N/A | ||
| EV/EBITDA | 19.44 |
EPS(TTM)1.91
EY3.62%
EPS(NY)2.59
Fwd EY4.9%
FCF(TTM)1.93
FCFY3.66%
OCF(TTM)2.17
OCFY4.1%
SpS10.67
BVpS2.31
TBVpS-15.59
PEG (NY)1.59
PEG (5Y)N/A
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%
ROICexcg growth 3Y9.66%
ROICexcg 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 | 1.32 |
F-Score3
WACC8.01%
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)19.38%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%13.79%
EPS Next Y17.39%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
EPS Next 5Y20.72%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%22.97%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y17.66%
Revenue Next 5Y16.21%
EBIT growth 1Y-1.3%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.74%
EBIT Next 3Y28.48%
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%