RYAN SPECIALTY HOLDINGS INC (RYAN) Fundamental Analysis & Valuation

NYSE:RYAN • US78351F1075

Current stock price

36.18 USD
+0.01 (+0.03%)
At close:
36.18 USD
0 (0%)
After Hours:

This RYAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RYAN Profitability Analysis

1.1 Basic Checks

  • RYAN had positive earnings in the past year.
  • RYAN had a positive operating cash flow in the past year.
  • In the past 5 years RYAN has always been profitable.
  • 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 Return On Assets of 0.60%. This is in the lower half of the industry: RYAN underperforms 67.11% of its industry peers.
  • The Return On Equity of RYAN (9.78%) is comparable to the rest of the industry.
  • RYAN's Return On Invested Capital of 8.96% is amongst the best of the industry. RYAN outperforms 91.95% of its industry peers.
  • RYAN had an Average Return On Invested Capital over the past 3 years of 9.61%. This is significantly below the industry average of 15.25%.
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's Profit Margin of 2.08% is on the low side compared to the rest of the industry. RYAN is outperformed by 78.52% of its industry peers.
  • In the last couple of years the Profit Margin of RYAN has declined.
  • The Operating Margin of RYAN (20.06%) is better than 73.83% of its industry peers.
  • In the last couple of years the Operating Margin of RYAN has grown nicely.
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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3

2. RYAN Health Analysis

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
  • 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 1.06. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • RYAN has a better Altman-Z score (1.06) than 83.22% of its industry peers.
  • RYAN has a debt to FCF ratio of 5.85. This is a neutral value as RYAN would need 5.85 years to pay back of 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 63.76% of its industry peers.
  • A Debt/Equity ratio of 5.08 is on the high side and indicates that RYAN has dependencies on debt financing.
  • RYAN has a Debt to Equity ratio of 5.08. This is amonst the worse of the industry: RYAN underperforms 93.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.06
ROIC/WACC1.15
WACC7.82%
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's Current ratio of 0.98 is fine compared to the rest of the industry. RYAN outperforms 78.52% of its industry peers.
  • A Quick Ratio of 0.98 indicates that RYAN may have some problems paying its short term obligations.
  • With a decent Quick ratio value of 0.98, RYAN is doing good in the industry, outperforming 78.52% of the companies in the same industry.
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. RYAN Growth Analysis

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.
  • RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -20.00% yearly.
  • RYAN shows a decrease in Revenue. In the last year, the revenue decreased by -0.54%.
  • Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 24.54% on average per year.
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

  • The Earnings Per Share is expected to grow by 17.47% 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 14.67% on average per year.
EPS Next Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue Next Year12.71%
Revenue Next 2Y13.22%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%

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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

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3

4. RYAN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.37, RYAN is valued on the expensive side.
  • Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 71.81% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (25.70), we can say RYAN is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 15.42, RYAN is valued correctly.
  • Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than 66.44% of the companies in the same industry.
  • RYAN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.37
Fwd PE 15.42
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

  • RYAN's Enterprise Value to EBITDA ratio is in line with 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 63.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.69
EV/EBITDA 14.17
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

  • The 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 17.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.96
PEG (5Y)N/A
EPS Next 2Y18.17%
EPS Next 3Y17.56%

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

1

5. RYAN Dividend Analysis

5.1 Amount

  • RYAN has a Yearly Dividend Yield of 1.35%.
  • The stock price of RYAN dropped by -33.27% 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.
  • RYAN's Dividend Yield is comparable with the industry average which is at 2.85.
  • Compared to the average S&P500 Dividend Yield of 1.89, RYAN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.35%

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

  • 98.33% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP98.33%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
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 Fundamentals: All Metrics, Ratios and Statistics

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (3/13/2026, 8:04:00 PM)

After market: 36.18 0 (0%)

36.18

+0.01 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners86.54%
Inst Owner Change2.01%
Ins Owners13.37%
Ins Owner Change0.07%
Market Cap9.56B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts77.5
Price Target58.33 (61.22%)
Short Float %6.7%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
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)-11.51%
PT rev (3m)-13.76%
EPS NQ rev (1m)-2.77%
EPS NQ rev (3m)-3.74%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)-1.08%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)-3.28%
Revenue NY rev (3m)-3.36%
Valuation
Industry RankSector Rank
PE 18.37
Fwd PE 15.42
P/S 3.13
P/FCF 16.69
P/OCF 14.85
P/B 14.75
P/tB N/A
EV/EBITDA 14.17
EPS(TTM)1.97
EY5.44%
EPS(NY)2.35
Fwd EY6.48%
FCF(TTM)2.17
FCFY5.99%
OCF(TTM)2.44
OCFY6.73%
SpS11.55
BVpS2.45
TBVpS-15.87
PEG (NY)0.96
PEG (5Y)N/A
Graham Number10.43
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 1.06
F-Score4
WACC7.82%
ROIC/WACC1.15
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 Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%
Revenue Next Year12.71%
Revenue Next 2Y13.22%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%
EBIT growth 1Y-15.63%
EBIT growth 3Y17.48%
EBIT growth 5Y31.03%
EBIT Next Year66.26%
EBIT Next 3Y30.24%
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 Fundamental Analysis 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 19.09% in the next year.