RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
50.91 USD
+0.62 (+1.23%)
We assign a fundamental rating of 3 out of 10 to RYAN. RYAN was compared to 148 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. While showing a medium growth rate, RYAN is valued expensive at the moment.
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 of 11.18%. This is comparable to the rest of the industry: RYAN outperforms 50.00% of its industry peers.
The Return On Invested Capital of RYAN (10.10%) is better than 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
RYAN's Profit Margin of 2.38% is on the low side compared to the rest of the industry. RYAN is outperformed by 79.05% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
The Operating Margin of RYAN (22.14%) is better than 79.05% of its industry peers.
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.
RYAN has more shares outstanding than it did 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 1.40, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
RYAN has a Altman-Z score of 1.40. This is amongst the best in the industry. RYAN outperforms 83.11% of its industry peers.
RYAN has a debt to FCF ratio of 5.96. This is a neutral value as RYAN would need 5.96 years to pay back of all of its debts.
With a Debt to FCF ratio value of 5.96, RYAN is not doing good in the industry: 65.54% of the companies in the same industry are doing better.
A Debt/Equity ratio of 5.31 is on the high side and indicates that RYAN has dependencies on debt financing.
The Debt to Equity ratio of RYAN (5.31) is worse than 94.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.25
WACC8.08%
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.
RYAN's Current ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 79.05% of its industry peers.
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 has a better Quick ratio (1.00) than 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.57%, 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 -11.82% yearly.
RYAN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.90%.
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.
The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.84 indicates a quite expensive valuation of RYAN.
74.32% of the companies in the same industry are cheaper than RYAN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (27.00), we can say RYAN is valued inline with the index average.
A Price/Forward Earnings ratio of 20.74 indicates a rather expensive valuation of RYAN.
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 72.30% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (23.70), we can say RYAN is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.84 | ||
| Fwd PE | 20.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 65.54% of the companies are valued more cheaply.
65.54% 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 | 23.6 | ||
| EV/EBITDA | 17.69 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 18.13% in the coming years.
PEG (NY)1.75
PEG (5Y)N/A
EPS Next 2Y17.1%
EPS Next 3Y18.13%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.93%, which is pretty low.
Compared to an average industry Dividend Yield of 2.48, RYAN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.93% |
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
85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y17.1%
EPS Next 3Y18.13%
NYSE:RYAN (1/9/2026, 2:48:58 PM)
50.91
+0.62 (+1.23%)
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 Cap13.43B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price Target66.6 (30.82%)
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 | 25.84 | ||
| Fwd PE | 20.74 | ||
| P/S | 4.53 | ||
| P/FCF | 23.6 | ||
| P/OCF | 20.98 | ||
| P/B | 21.3 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.69 |
EPS(TTM)1.97
EY3.87%
EPS(NY)2.45
Fwd EY4.82%
FCF(TTM)2.16
FCFY4.24%
OCF(TTM)2.43
OCFY4.77%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.75
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 | 1.4 |
F-Score3
WACC8.08%
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 Y14.79%
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.