RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
50.3 USD
-2.64 (-4.99%)
50.3 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. There are concerns on the financial health of RYAN while its profitability can be described as average. 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.
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.
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 66.22% 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.
RYAN's Return On Invested Capital of 10.10% is amongst the best of 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.
RYAN's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 22.14%, RYAN is doing good in the industry, outperforming 79.05% of the companies in the same industry.
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.
RYAN has more shares outstanding than it did 1 year ago.
RYAN has more shares outstanding than it did 5 years ago.
RYAN has a worse debt/assets ratio than last year.
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.
With an excellent Altman-Z score value of 1.45, RYAN belongs to the best of the industry, outperforming 83.11% of the companies in the same industry.
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.
The Debt to FCF ratio of RYAN (5.96) is worse than 65.54% of its industry peers.
A Debt/Equity ratio of 5.31 is on the high side and indicates that RYAN has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 5.31, RYAN is doing worse than 94.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.45 |
ROIC/WACC1.25
WACC8.08%
2.3 Liquidity
A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
RYAN has a better Current ratio (1.00) than 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's Quick ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 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.
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.
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
Based on the Price/Earnings ratio of 25.53, the valuation of RYAN can be described as expensive.
RYAN's Price/Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 75.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (26.92), we can say RYAN is valued inline with the index average.
The Price/Forward Earnings ratio is 20.49, which indicates a rather expensive current valuation of RYAN.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than 72.97% of the companies in the same industry.
RYAN's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.53 | ||
| Fwd PE | 20.49 |
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.
RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 66.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.32 | ||
| EV/EBITDA | 18.44 |
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 18.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.73
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.
RYAN's Dividend Yield is comparable with the industry average which is at 2.48.
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 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 2Y17.1%
EPS Next 3Y18.13%
50.3
-2.64 (-4.99%)
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 Cap13.27B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price Target66.6 (32.41%)
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 | 25.53 | ||
| Fwd PE | 20.49 | ||
| P/S | 4.48 | ||
| P/FCF | 23.32 | ||
| P/OCF | 20.73 | ||
| P/B | 21.05 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.44 |
EPS(TTM)1.97
EY3.92%
EPS(NY)2.45
Fwd EY4.88%
FCF(TTM)2.16
FCFY4.29%
OCF(TTM)2.43
OCFY4.82%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.73
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
WACC8.08%
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.