RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN • US78351F1075

37.97 USD
-0.89 (-2.29%)
At close: Feb 25, 2026
38 USD
+0.03 (+0.08%)
Pre-Market: 2/26/2026, 9:18:01 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, RYAN scores 3 out of 10 in our fundamental rating. RYAN was compared to 150 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. 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 4 of the past 5 years.
  • RYAN had a positive operating cash flow in 4 of the past 5 years.
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 0 200M 400M 600M

1.2 Ratios

  • RYAN has a worse Return On Assets (0.72%) than 64.67% of its industry peers.
  • With a Return On Equity value of 11.18%, RYAN perfoms like the industry average, outperforming 51.33% of the companies in the same industry.
  • RYAN has a Return On Invested Capital of 10.10%. This is amongst the best in the industry. RYAN outperforms 93.33% 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 15.13%.
Industry RankSector 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%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.38%, RYAN is doing worse than 77.33% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RYAN has declined.
  • RYAN has a Operating Margin of 22.14%. This is in the better half of the industry: RYAN outperforms 76.67% of its industry peers.
  • In the last couple of years the Operating Margin of RYAN has grown nicely.
Industry RankSector 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
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • There is no outstanding debt for RYAN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • RYAN has an Altman-Z score of 1.19. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • RYAN's Altman-Z score of 1.19 is amongst the best of the industry. RYAN outperforms 84.67% 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.
  • RYAN has a Debt to FCF ratio of 5.96. This is in the lower half of the industry: RYAN underperforms 64.67% of its industry peers.
  • RYAN has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.31, RYAN is doing worse than 93.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Altman-Z 1.19
ROIC/WACC1.3
WACC7.77%
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 0 1B 2B 3B

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.
  • With a decent Current ratio value of 1.00, RYAN is doing good in the industry, outperforming 79.33% of the companies in the same industry.
  • RYAN has a Quick 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 Quick ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 79.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.06% over the past year.
  • Measured over the past years, RYAN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.65% on average per year.
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.17% on average over the next years. This is a very strong growth
  • 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 stable: in the next years the growth will be about the same than in the last 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

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.27, the valuation of RYAN can be described as rather expensive.
  • Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 69.33% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.05. RYAN is valued slightly cheaper when compared to this.
  • RYAN is valuated correctly with a Price/Forward Earnings ratio of 15.56.
  • Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than 63.33% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. RYAN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.27
Fwd PE 15.56
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • RYAN's Enterprise Value to EBITDA is on the same level as the industry average.
  • RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 62.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.6
EV/EBITDA 14.2
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.
  • RYAN's earnings are expected to grow with 24.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y22.6%
EPS Next 3Y24.64%

More info and screens

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

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.19%, RYAN has a reasonable but not impressive dividend return.
  • The stock price of RYAN dropped by -34.61% 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 2.63, RYAN has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.80, RYAN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.19%

5.2 History

  • RYAN has been paying a dividend for less than 5 years, so it still needs to build a track record.
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

  • RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
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 0 100M 200M 300M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (2/25/2026, 8:04:00 PM)

Premarket: 38 +0.03 (+0.08%)

37.97

-0.89 (-2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners82.16%
Inst Owner Change2.08%
Ins Owners13.47%
Ins Owner Change0.05%
Market Cap10.02B
Revenue(TTM)N/A
Net Income(TTM)70.51M
Analysts78.33
Price Target65.92 (73.61%)
Short Float %6.85%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 1.19%
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-24
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.97%
Min EPS beat(2)-1.33%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-1.68%
Min EPS beat(4)-2.5%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-1.31%
EPS beat(12)4
Avg EPS beat(12)-0.5%
EPS beat(16)7
Avg EPS beat(16)0.28%
Revenue beat(2)2
Avg Revenue beat(2)0.5%
Min Revenue beat(2)0.35%
Max Revenue beat(2)0.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-1.24%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-0.4%
Revenue beat(16)5
Avg Revenue beat(16)-0.27%
PT rev (1m)-0.77%
PT rev (3m)-4.86%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.37%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 19.27
Fwd PE 15.56
P/S 3.38
P/FCF 17.6
P/OCF 15.65
P/B 15.89
P/tB N/A
EV/EBITDA 14.2
EPS(TTM)1.97
EY5.19%
EPS(NY)2.44
Fwd EY6.43%
FCF(TTM)2.16
FCFY5.68%
OCF(TTM)2.43
OCFY6.39%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)0.81
PEG (5Y)N/A
Graham Number10.29
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 11.18%
ROCE 12.16%
ROIC 10.1%
ROICexc 10.4%
ROICexgc 110.81%
OM 22.14%
PM (TTM) 2.38%
GM N/A
FCFM 19.2%
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%
ROICexgc growth 3Y9.66%
ROICexgc 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 Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Debt/EBITDA 3.59
Cap/Depr 25.62%
Cap/Sales 2.4%
Interest Coverage 3.51
Cash Conversion 68.59%
Profit Quality 807.06%
Current Ratio 1
Quick Ratio 1
Altman-Z 1.19
F-Score3
WACC7.77%
ROIC/WACC1.3
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)10.06%
EPS 3Y19.65%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year48.93%
EBIT Next 3Y25.89%
EBIT Next 5Y23%
FCF growth 1Y39.48%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y47.21%
OCF growth 3Y23.48%
OCF growth 5Y28.06%

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 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.