RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
51.85 USD
+0.13 (+0.25%)
51.85 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. While RYAN is still in line with the averages on profitability rating, there are concerns on its financial health. RYAN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
RYAN had positive earnings in the past year.
In the past year RYAN had a positive cash flow from operations.
Each year in the past 5 years RYAN has been profitable.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
RYAN's Return On Assets of 0.72% is on the low side compared to the rest of the industry. RYAN is outperformed by 66.89% of its industry peers.
RYAN has a Return On Equity (11.18%) which is comparable to the rest of the industry.
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.
Measured over the past 3 years, the Average Return On Invested Capital for RYAN is below the industry average of 14.88%.
| 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
RYAN's Profit Margin of 2.38% is on the low side compared to the rest of the industry. RYAN is outperformed by 79.73% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
Looking at the Operating Margin, with a value of 22.14%, RYAN is in the better half of 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.
The number of shares outstanding for RYAN has been increased compared to 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
Based on the Altman-Z score of 1.43, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of RYAN (1.43) 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.
RYAN's Debt to FCF ratio of 5.96 is on the low side compared to the rest of the industry. RYAN is outperformed by 65.54% 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.
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 95.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.25
WACC8.07%
2.3 Liquidity
A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 78.38% of the companies in the same industry.
A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
With a decent Quick ratio value of 1.00, RYAN is doing good in the industry, outperforming 78.38% 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.
Measured over the past years, RYAN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.82% on average per year.
RYAN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.90%.
RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.88% yearly.
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
The Earnings Per Share is expected to grow by 19.63% on average over the next years. This is quite good.
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
Revenue Next 5Y16.21%
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
With a Price/Earnings ratio of 26.32, RYAN can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 75.68% of the companies in the same industry.
When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (26.59), we can say RYAN is valued inline with the index average.
With a Price/Forward Earnings ratio of 20.91, RYAN is valued on the expensive side.
73.65% of the companies in the same industry are cheaper than RYAN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.03. RYAN is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 20.91 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 66.22% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 67.57% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.04 | ||
| EV/EBITDA | 18.13 |
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's earnings are expected to grow with 18.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.77
PEG (5Y)N/A
EPS Next 2Y17.69%
EPS Next 3Y18.24%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.89%, which is pretty low.
RYAN's Dividend Yield is comparable with the industry average which is at 2.30.
Compared to an average S&P500 Dividend Yield of 1.88, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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
RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
51.85
+0.13 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.1%
Inst Owner Change-0.53%
Ins Owners13.46%
Ins Owner Change0.37%
Market Cap13.68B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price TargetN/A
Short Float %7.49%
Short Ratio5.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-7.9%
PT rev (3m)-10.72%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 20.91 | ||
| P/S | 4.62 | ||
| P/FCF | 24.04 | ||
| P/OCF | 21.37 | ||
| P/B | 21.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.13 |
EPS(TTM)1.97
EY3.8%
EPS(NY)2.48
Fwd EY4.78%
FCF(TTM)2.16
FCFY4.16%
OCF(TTM)2.43
OCFY4.68%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.77
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 | 1.43 |
F-Score3
WACC8.07%
ROIC/WACC1.25
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year49.07%
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.
Can you provide the valuation status for RYAN SPECIALTY HOLDINGS INC?
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 valuation of RYAN SPECIALTY HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RYAN SPECIALTY HOLDINGS INC (RYAN) is 26.32 and the Price/Book (PB) ratio is 21.7.
Is the dividend of RYAN SPECIALTY HOLDINGS INC sustainable?
The dividend rating of RYAN SPECIALTY HOLDINGS INC (RYAN) is 0 / 10 and the dividend payout ratio is 85.88%.