RYAN SPECIALTY HOLDINGS INC (RYAN) Fundamental Analysis & Valuation

NYSE:RYAN • US78351F1075

Current stock price

34.43 USD
-0.16 (-0.46%)
Last:

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.
  • In the past 5 years RYAN always reported a positive cash flow from operatings.
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 67.57% of its industry peers.
  • RYAN has a Return On Equity of 9.78%. This is comparable to the rest of the industry: RYAN outperforms 45.95% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.96%, RYAN belongs to the top of the industry, outperforming 90.54% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for RYAN is in line with the industry average of 9.34%.
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 worse Profit Margin (2.08%) than 79.05% of its industry peers.
  • RYAN's Profit Margin has declined in the last couple of years.
  • RYAN has a better Operating Margin (20.06%) than 73.65% 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

  • RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for RYAN has been increased compared to 1 year ago.
  • The number of shares outstanding for RYAN has been increased compared to 5 years ago.
  • The debt/assets ratio for RYAN has been reduced compared to a year ago.
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 1.03. 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 (1.03) is better than 81.76% of its industry peers.
  • 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 worse Debt to FCF ratio (5.85) than 67.57% 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.
  • RYAN has a Debt to Equity ratio of 5.08. This is amonst the worse of the industry: RYAN underperforms 94.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.03
ROIC/WACC1.14
WACC7.86%
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

  • A Current Ratio of 0.98 indicates that RYAN may have some problems paying its short term obligations.
  • RYAN's Current ratio of 0.98 is fine compared to the rest of the industry. RYAN outperforms 78.38% 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 78.38% 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

  • The Earnings Per Share has grown by an nice 10.06% over the past year.
  • 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%.
  • The Revenue has been growing by 24.54% on average over the past years. This is a very strong growth!
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 Year12.2%
Revenue Next 2Y12.79%
Revenue Next 3Y12.83%
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

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2

4. RYAN Valuation Analysis

4.1 Price/Earnings Ratio

  • RYAN is valuated rather expensively with a Price/Earnings ratio of 17.48.
  • 73.65% of the companies in the same industry are cheaper than RYAN, based on the Price/Earnings ratio.
  • RYAN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.54.
  • A Price/Forward Earnings ratio of 14.68 indicates a correct valuation of RYAN.
  • Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than 64.19% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, RYAN is valued a bit cheaper.
Industry RankSector Rank
PE 17.48
Fwd PE 14.68
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

  • 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 62.16% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 64.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.88
EV/EBITDA 13.71
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 17.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.92
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

  • With a Yearly Dividend Yield of 1.41%, RYAN has a reasonable but not impressive dividend return.
  • In the last 3 months the price of RYAN has falen by -33.25%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.84, RYAN has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.89, RYAN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.41%

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 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 (3/24/2026, 3:25:02 PM)

34.43

-0.16 (-0.46%)

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 Cap9.10B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts77.5
Price Target58.33 (69.42%)
Short Float %7.11%
Short Ratio3.74
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
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)-1.3%
EPS NQ rev (3m)-3.87%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.38%
Revenue NY rev (1m)-1.4%
Revenue NY rev (3m)-3.8%
Valuation
Industry RankSector Rank
PE 17.48
Fwd PE 14.68
P/S 2.98
P/FCF 15.88
P/OCF 14.13
P/B 14.04
P/tB N/A
EV/EBITDA 13.71
EPS(TTM)1.97
EY5.72%
EPS(NY)2.35
Fwd EY6.81%
FCF(TTM)2.17
FCFY6.3%
OCF(TTM)2.44
OCFY7.08%
SpS11.55
BVpS2.45
TBVpS-15.87
PEG (NY)0.92
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 1.03
F-Score4
WACC7.86%
ROIC/WACC1.14
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 Year12.2%
Revenue Next 2Y12.79%
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 2 / 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.