RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
53.16 USD
+0.25 (+0.47%)
RYAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. RYAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. RYAN is valied quite expensively at the moment, while it does show a decent growth rate.
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
The Return On Assets of RYAN (0.72%) is worse than 66.22% of its industry peers.
RYAN has a Return On Equity (11.18%) which is in line with its industry peers.
RYAN has a Return On Invested Capital of 10.10%. This is amongst the best in the industry. RYAN outperforms 93.24% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RYAN is below the industry average of 14.93%.
| 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
The Profit Margin of RYAN (2.38%) is worse than 79.05% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
RYAN's Operating Margin of 22.14% is fine compared to the rest of the industry. RYAN outperforms 79.05% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
| 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
RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, RYAN has more shares outstanding
RYAN has more shares outstanding than it did 5 years ago.
The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
RYAN has an Altman-Z score of 1.45. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of RYAN (1.45) is better than 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.
Looking at the Debt to FCF ratio, with a value of 5.96, RYAN is doing worse than 65.54% of the companies in the same industry.
RYAN has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
RYAN's Debt to Equity ratio of 5.31 is on the low side compared to the rest of the industry. RYAN is outperformed by 94.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.45 |
ROIC/WACC1.24
WACC8.12%
2.3 Liquidity
A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
RYAN has a Current ratio of 1.00. This is in the better half 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
Looking at the last year, RYAN shows a small growth in Revenue. The Revenue has grown by 0.90% in the last 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.
RYAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.21% yearly.
EPS Next Y14.79%
EPS Next 2Y17.1%
EPS Next 3Y18.13%
EPS Next 5Y19.63%
Revenue Next Year22.61%
Revenue Next 2Y19.71%
Revenue Next 3Y18.24%
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
A Price/Earnings ratio of 26.98 indicates a quite expensive valuation of RYAN.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 75.00% of the companies in the same industry.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.87, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 21.66, RYAN is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 72.97% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, RYAN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.98 | ||
| Fwd PE | 21.66 |
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 66.22% of the companies in the same industry.
66.89% of the companies in the same industry are cheaper than RYAN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.64 | ||
| EV/EBITDA | 18.43 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RYAN does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 18.13% in the coming years.
PEG (NY)1.82
PEG (5Y)N/A
EPS Next 2Y17.1%
EPS Next 3Y18.13%
5. Dividend
5.1 Amount
With a yearly dividend of 0.93%, RYAN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.48, RYAN has a dividend in line with its industry peers.
With a Dividend Yield of 0.93, RYAN pays less dividend than the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.93% |
5.2 History
RYAN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y17.1%
EPS Next 3Y18.13%
NYSE:RYAN (1/6/2026, 3:24:04 PM)
53.16
+0.25 (+0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.16%
Inst Owner Change0%
Ins Owners13.47%
Ins Owner Change0.37%
Market Cap14.02B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price Target66.6 (25.28%)
Short Float %6.95%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.93% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-3.88%
PT rev (3m)-11.06%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)-7.2%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-2.25%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.98 | ||
| Fwd PE | 21.66 | ||
| P/S | 4.73 | ||
| P/FCF | 24.64 | ||
| P/OCF | 21.91 | ||
| P/B | 22.24 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.43 |
EPS(TTM)1.97
EY3.71%
EPS(NY)2.45
Fwd EY4.62%
FCF(TTM)2.16
FCFY4.06%
OCF(TTM)2.43
OCFY4.56%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.82
PEG (5Y)N/A
Graham Number10.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.45 |
F-Score3
WACC8.12%
ROIC/WACC1.24
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)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
EPS Next Y14.79%
EPS Next 2Y17.1%
EPS Next 3Y18.13%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.61%
Revenue Next 2Y19.71%
Revenue Next 3Y18.24%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year48.93%
EBIT Next 3Y26.17%
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 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 14.79% in the next year.