RYAN SPECIALTY HOLDINGS INC (RYAN) Fundamental Analysis & Valuation

NYSE:RYAN • US78351F1075

Current stock price

33.51 USD
+0.48 (+1.45%)
At close:
33.51 USD
0 (0%)
After Hours:

This RYAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RYAN Profitability Analysis

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.
  • 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 2025 0 200M 400M 600M

1.2 Ratios

  • RYAN's Return On Assets of 0.60% is on the low side compared to the rest of the industry. RYAN is outperformed by 68.03% of its industry peers.
  • RYAN has a Return On Equity (9.78%) which is comparable to the rest of the industry.
  • RYAN's Return On Invested Capital of 8.96% is amongst the best of the industry. RYAN outperforms 89.80% of its industry peers.
  • RYAN had an Average Return On Invested Capital over the past 3 years of 9.61%. This is in line with the industry average of 9.36%.
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROIC 8.96%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.08%, RYAN is doing worse than 79.59% of the companies in the same industry.
  • RYAN's Profit Margin has declined in the last couple of years.
  • The Operating Margin of RYAN (20.06%) is better than 73.47% of its industry peers.
  • In the last couple of years the Operating Margin of RYAN has grown nicely.
Industry RankSector Rank
OM 20.06%
PM (TTM) 2.08%
GM N/A
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
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 2025 5 10 15 20

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3

2. RYAN Health Analysis

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.
  • Compared to 5 years ago, RYAN has more shares outstanding
  • The debt/assets ratio for RYAN has been reduced compared to a year ago.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 1.02, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
  • RYAN has a Altman-Z score of 1.02. This is amongst the best in the industry. RYAN outperforms 80.95% of its industry peers.
  • The Debt to FCF ratio of RYAN is 5.85, which is a neutral value as it means it would take RYAN, 5.85 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 5.85, RYAN is not doing good in the industry: 68.03% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 5.08 is on the high side and indicates that RYAN has dependencies on debt financing.
  • The Debt to Equity ratio of RYAN (5.08) is worse than 94.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.02
ROIC/WACC1.15
WACC7.81%
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 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.98 indicates that RYAN may have some problems paying its short term obligations.
  • RYAN has a Current ratio of 0.98. This is in the better half of the industry: RYAN outperforms 78.23% of its industry peers.
  • A Quick Ratio of 0.98 indicates that RYAN may have some problems paying its short term obligations.
  • RYAN has a Quick ratio of 0.98. This is in the better half of the industry: RYAN outperforms 78.23% of its industry peers.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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

6

3. RYAN Growth Analysis

3.1 Past

  • RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.06%, which is quite good.
  • The earnings per share for RYAN have been decreasing by -20.00% on average. This is quite bad
  • Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.54% in the last year.
  • The Revenue has been growing by 24.54% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%

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 17.47% yearly.
  • The Revenue is expected to grow by 14.67% on average over the next years. This is quite good.
EPS Next Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue Next Year12.2%
Revenue Next 2Y12.79%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

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2

4. RYAN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.01, the valuation of RYAN can be described as rather expensive.
  • 71.43% of the companies in the same industry are cheaper than RYAN, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, RYAN is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 14.28, the valuation of RYAN can be described as correct.
  • 63.95% 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 (22.84), we can say RYAN is valued slightly cheaper.
Industry RankSector Rank
PE 17.01
Fwd PE 14.28
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 62.59% of the companies in the same industry.
  • RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 63.95% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.46
EV/EBITDA 13.39
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • RYAN's earnings are expected to grow with 17.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)N/A
EPS Next 2Y18.17%
EPS Next 3Y17.56%

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

1

5. RYAN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.48%, RYAN has a reasonable but not impressive dividend return.
  • The stock price of RYAN dropped by -33.79% 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 2.50, RYAN has a dividend in line with its industry peers.
  • RYAN's Dividend Yield is slightly below the S&P500 average, which is at 1.88.
Industry RankSector Rank
Dividend Yield 1.48%

5.2 History

  • RYAN has paid a dividend for less than 5 years, so there is no long track record yet.
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 2026 0.2 0.4 0.6

5.3 Sustainability

  • 98.33% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP98.33%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
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 2025 0 200M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

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RYAN Fundamentals: All Metrics, Ratios and Statistics

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (4/2/2026, 8:04:00 PM)

After market: 33.51 0 (0%)

33.51

+0.48 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners86.54%
Inst Owner Change2.01%
Ins Owners13.37%
Ins Owner Change0.07%
Market Cap8.85B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts77.5
Price Target56.04 (67.23%)
Short Float %6.27%
Short Ratio3.11
Dividend
Industry RankSector Rank
Dividend Yield 1.48%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP98.33%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-24
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.32%
Min EPS beat(2)-11.31%
Max EPS beat(2)-1.33%
EPS beat(4)0
Avg EPS beat(4)-3.88%
Min EPS beat(4)-11.31%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-2.68%
EPS beat(12)3
Avg EPS beat(12)-1.54%
EPS beat(16)6
Avg EPS beat(16)-0.42%
Revenue beat(2)1
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-5.29%
Max Revenue beat(2)0.35%
Revenue beat(4)2
Avg Revenue beat(4)-1.21%
Min Revenue beat(4)-5.29%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)3
Avg Revenue beat(12)-0.82%
Revenue beat(16)5
Avg Revenue beat(16)-0.48%
PT rev (1m)-3.93%
PT rev (3m)-15.86%
EPS NQ rev (1m)-1.29%
EPS NQ rev (3m)-4.1%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-4.42%
Revenue NQ rev (1m)-0.66%
Revenue NQ rev (3m)-1.77%
Revenue NY rev (1m)-1.4%
Revenue NY rev (3m)-4.03%
Valuation
Industry RankSector Rank
PE 17.01
Fwd PE 14.28
P/S 2.9
P/FCF 15.46
P/OCF 13.75
P/B 13.66
P/tB N/A
EV/EBITDA 13.39
EPS(TTM)1.97
EY5.88%
EPS(NY)2.35
Fwd EY7%
FCF(TTM)2.17
FCFY6.47%
OCF(TTM)2.44
OCFY7.27%
SpS11.55
BVpS2.45
TBVpS-15.87
PEG (NY)0.89
PEG (5Y)N/A
Graham Number10.43
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROCE 11.39%
ROIC 8.96%
ROICexc 9.23%
ROICexgc 128.26%
OM 20.06%
PM (TTM) 2.08%
GM N/A
FCFM 18.77%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
ROICexc(3y)11.17%
ROICexc(5y)11.42%
ROICexgc(3y)109.28%
ROICexgc(5y)95.22%
ROCE(3y)12.21%
ROCE(5y)11.9%
ROICexgc growth 3Y25.26%
ROICexgc growth 5YN/A
ROICexc growth 3Y-11.15%
ROICexc growth 5Y5.12%
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Debt/EBITDA 3.66
Cap/Depr 24.68%
Cap/Sales 2.33%
Interest Coverage 3.12
Cash Conversion 71.55%
Profit Quality 903.33%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.02
F-Score4
WACC7.81%
ROIC/WACC1.15
Cap/Depr(3y)26.14%
Cap/Depr(5y)82.48%
Cap/Sales(3y)1.88%
Cap/Sales(5y)6.32%
Profit Quality(3y)710.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
EPS Next Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%
Revenue Next Year12.2%
Revenue Next 2Y12.79%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%
EBIT growth 1Y-15.63%
EBIT growth 3Y17.48%
EBIT growth 5Y31.03%
EBIT Next Year66.26%
EBIT Next 3Y30.24%
EBIT Next 5Y29.95%
FCF growth 1Y22.41%
FCF growth 3Y22.35%
FCF growth 5Y37.22%
OCF growth 1Y25.02%
OCF growth 3Y24.26%
OCF growth 5Y36.59%

RYAN SPECIALTY HOLDINGS INC / RYAN Fundamental Analysis FAQ

What is the fundamental rating for RYAN stock?

ChartMill assigns a fundamental rating of 4 / 10 to RYAN.


What is the valuation status for RYAN stock?

ChartMill assigns a valuation rating of 2 / 10 to RYAN SPECIALTY HOLDINGS INC (RYAN). This can be considered as Overvalued.


What is the profitability of RYAN stock?

RYAN SPECIALTY HOLDINGS INC (RYAN) has a profitability rating of 4 / 10.


What is the valuation of RYAN SPECIALTY HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for RYAN SPECIALTY HOLDINGS INC (RYAN) is 17.01 and the Price/Book (PB) ratio is 13.66.


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 19.09% in the next year.