RYAN SPECIALTY HOLDINGS INC (RYAN)
US78351F1075 - Common Stock
RYAN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 140 industry peers in the Insurance industry. RYAN has only an average score on both its financial health and profitability. RYAN shows excellent growth, but is valued quite expensive already.
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.
Each year in the past 5 years RYAN has been profitable.
RYAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.39%, RYAN is in line with its industry, outperforming 44.60% of the companies in the same industry.
With a decent Return On Equity value of 18.59%, RYAN is doing good in the industry, outperforming 78.42% of the companies in the same industry.
The Return On Invested Capital of RYAN (13.04%) is better than 97.84% 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 4.27%.
The 3 year average ROIC (10.42%) for RYAN is below the current ROIC(13.04%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
RYAN has a Profit Margin of 4.01%. This is in the lower half of the industry: RYAN underperforms 63.31% 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 82.01% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so RYAN is still creating some value.
RYAN has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, RYAN has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.08 indicates that RYAN is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of RYAN (2.08) is better than 92.81% of its industry peers.
The Debt to FCF ratio of RYAN is 6.11, which is on the high side as it means it would take RYAN, 6.11 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.11, RYAN is not doing good in the industry: 64.75% of the companies in the same industry are doing better.
RYAN has a Debt/Equity ratio of 4.18. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.18, RYAN is not doing good in the industry: 97.12% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.18 | ||
| Debt/FCF | 6.11 | ||
| Altman-Z | 2.08 |
ROIC/WACC1.48
WACC8.82%
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.
RYAN has a Current ratio of 1.01. This is in the better half of the industry: RYAN outperforms 78.42% of its industry peers.
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.
With a decent Quick ratio value of 1.01, RYAN is doing good in the industry, outperforming 78.42% of the companies in the same industry.
| 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 30.00%, which is quite impressive.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -30.34% yearly.
RYAN shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.37%.
The Revenue has been growing by 26.83% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%28.12%
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.47%
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 19.74% yearly.
Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 12.44% on average per year.
EPS Next Y32.78%
EPS Next 2Y27.71%
EPS Next 3Y25.29%
EPS Next 5Y19.74%
Revenue Next Year21.23%
Revenue Next 2Y20.8%
Revenue Next 3Y19.18%
Revenue Next 5Y12.44%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 42.44, the valuation of RYAN can be described as expensive.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 78.42% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 28.96, RYAN is valued a bit more expensive.
The Price/Forward Earnings ratio is 31.87, which means the current valuation is very expensive for RYAN.
RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 76.26% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.82. RYAN is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.44 | ||
| Fwd PE | 31.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 64.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 75.54% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.82 | ||
| EV/EBITDA | 26.03 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
RYAN's earnings are expected to grow with 25.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.29
PEG (5Y)N/A
EPS Next 2Y27.71%
EPS Next 3Y25.29%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.62%, which is pretty low.
RYAN's Dividend Yield is slightly below the industry average, which is at 4.25.
Compared to an average S&P500 Dividend Yield of 2.23, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.62% |
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
DPN/A
EPS Next 2Y27.71%
EPS Next 3Y25.29%
RYAN SPECIALTY HOLDINGS INC
NYSE:RYAN (11/21/2024, 8:04:01 PM)
After market: 71.73 0 (0%)71.73
+0.85 (+1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap18.78B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.62% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.44 | ||
| Fwd PE | 31.87 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.29
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 18.59% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 23.18% | ||
| PM (TTM) | 4.01% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5Y
EPS Q2Q%
EPS Next Y32.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y