RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
50.22 USD
+0.22 (+0.44%)
50.22 USD
0 (0%)
Taking everything into account, RYAN scores 3 out of 10 in our fundamental rating. RYAN was compared to 148 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
- 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.
- In the past 5 years RYAN always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of RYAN (0.72%) is worse than 66.22% of its industry peers.
- RYAN has a Return On Equity of 11.18%. This is comparable to the rest of the industry: RYAN outperforms 50.00% of its industry peers.
- RYAN's Return On Invested Capital of 10.10% is amongst the best of the industry. RYAN outperforms 93.24% 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 Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 2.38%, RYAN is not doing good in the industry: 79.05% of the companies in the same industry are doing better.
- RYAN's Profit Margin has declined in the last couple of years.
- With a decent Operating Margin value of 22.14%, RYAN is doing good in the industry, outperforming 79.05% 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 | 22.14% | ||
| 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
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.
- RYAN has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, RYAN has more shares outstanding
- Compared to 1 year ago, RYAN has a worse debt to assets ratio.
2.2 Solvency
- RYAN has an Altman-Z score of 1.40. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
- RYAN has a Altman-Z score of 1.40. This is amongst the best in the industry. RYAN outperforms 83.11% 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.
- The Debt to FCF ratio of RYAN (5.96) is worse than 65.54% of its industry peers.
- A Debt/Equity ratio of 5.31 is on the high side and indicates that RYAN has dependencies on debt financing.
- RYAN has a worse Debt to Equity ratio (5.31) than 94.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.24
WACC8.13%
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.
- RYAN's Current ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 79.05% of its industry peers.
- A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 79.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.57% over the past year.
- 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.
- Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 16.21% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- RYAN is valuated quite expensively with a Price/Earnings ratio of 25.49.
- Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 74.32% of the companies are valued more cheaply.
- RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- RYAN is valuated rather expensively with a Price/Forward Earnings ratio of 20.58.
- RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 72.97% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (25.98), we can say RYAN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.49 | ||
| Fwd PE | 20.58 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 64.86% of the companies are valued more cheaply.
- RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 66.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.28 | ||
| EV/EBITDA | 17.6 |
4.3 Compensation for Growth
- RYAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as RYAN's earnings are expected to grow with 18.30% in the coming years.
PEG (NY)1.73
PEG (5Y)N/A
EPS Next 2Y16.75%
EPS Next 3Y18.3%
5. Dividend
5.1 Amount
- RYAN has a yearly dividend return of 0.95%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.41, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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
- 85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
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.