RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN • US78351F1075

39.75 USD
-0.46 (-1.14%)
Last: Mar 3, 2026, 02:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

RYAN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. While RYAN is still in line with the averages on profitability rating, there are concerns on its financial health. RYAN is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • RYAN had positive earnings in each of the past 5 years.
  • 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 has a worse Return On Assets (0.60%) than 67.11% of its industry peers.
  • The Return On Equity of RYAN (9.78%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 8.96%, RYAN belongs to the top of the industry, outperforming 91.95% of the companies in the same industry.
  • RYAN had an Average Return On Invested Capital over the past 3 years of 9.61%. This is significantly below the industry average of 15.27%.
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

  • RYAN has a Profit Margin of 2.08%. This is in the lower half of the industry: RYAN underperforms 79.19% of its industry peers.
  • RYAN's Profit Margin has declined in the last couple of years.
  • RYAN has a Operating Margin of 20.06%. This is in the better half of the industry: RYAN outperforms 73.83% of its industry peers.
  • RYAN's Operating Margin has improved in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RYAN has been increased compared to 5 years ago.
  • RYAN has a better debt/assets ratio than last year.
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

  • RYAN has an Altman-Z score of 1.12. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.12, RYAN belongs to the best of the industry, outperforming 83.22% of the companies in the same industry.
  • 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.
  • RYAN has a Debt to FCF ratio of 5.85. This is in the lower half of the industry: RYAN underperforms 64.43% of its industry peers.
  • RYAN has a Debt/Equity ratio of 5.08. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.08, RYAN is doing worse than 93.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.12
ROIC/WACC1.17
WACC7.67%
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

  • RYAN has a Current Ratio of 0.98. 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 has a better Current ratio (0.98) than 78.52% of its industry peers.
  • RYAN has a Quick Ratio of 0.98. 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 Quick ratio of 0.98 is fine compared to the rest of the industry. RYAN outperforms 78.52% 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. Growth

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.
  • RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.54% yearly.
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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.17% yearly.
  • The Revenue is expected to grow by 14.67% on average over the next years. This is quite good.
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
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 5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.18, the valuation of RYAN can be described as rather expensive.
  • Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 71.14% of the companies in the same industry.
  • RYAN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 16.29 indicates a correct valuation of RYAN.
  • RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 65.10% of the companies in the same industry.
  • RYAN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.11.
Industry RankSector Rank
PE 20.18
Fwd PE 16.29
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as RYAN.
  • RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 63.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.31
EV/EBITDA 15.34
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

  • RYAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as RYAN's earnings are expected to grow with 24.64% in the coming years.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y22.6%
EPS Next 3Y24.64%

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

1

5. Dividend

5.1 Amount

  • RYAN has a Yearly Dividend Yield of 1.25%.
  • In the last 3 months the price of RYAN has falen by -27.08%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • RYAN's Dividend Yield is comparable with the industry average which is at 2.46.
  • RYAN's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.25%

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 2Y22.6%
EPS Next 3Y24.64%
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 SPECIALTY HOLDINGS INC

NYSE:RYAN (3/3/2026, 2:14:55 PM)

39.75

-0.46 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners82.16%
Inst Owner Change2.1%
Ins Owners13.47%
Ins Owner Change0.08%
Market Cap10.49B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts78.33
Price Target58.33 (46.74%)
Short Float %6.7%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 1.25%
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)-12.19%
PT rev (3m)-15.81%
EPS NQ rev (1m)-2.56%
EPS NQ rev (3m)-3.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.41%
Revenue NQ rev (1m)-1.08%
Revenue NQ rev (3m)-0.66%
Revenue NY rev (1m)-2.35%
Revenue NY rev (3m)-2.3%
Valuation
Industry RankSector Rank
PE 20.18
Fwd PE 16.29
P/S 3.44
P/FCF 18.31
P/OCF 16.29
P/B 16.18
P/tB N/A
EV/EBITDA 15.34
EPS(TTM)1.97
EY4.96%
EPS(NY)2.44
Fwd EY6.14%
FCF(TTM)2.17
FCFY5.46%
OCF(TTM)2.44
OCFY6.14%
SpS11.57
BVpS2.46
TBVpS-15.9
PEG (NY)0.85
PEG (5Y)N/A
Graham Number10.44
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 1.12
F-Score4
WACC7.67%
ROIC/WACC1.17
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 Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%
EBIT growth 1Y-15.63%
EBIT growth 3Y17.48%
EBIT growth 5Y31.03%
EBIT Next Year66.41%
EBIT Next 3Y29.74%
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 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 3 / 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 3 / 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 23.84% in the next year.