RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:RYAN • US78351F1075
48.28 USD
+0.98 (+2.07%)
At close: Jan 30, 2026
48.28 USD
0 (0%)
After Hours: 1/30/2026, 7:19:39 PM
RYAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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
- In the past year RYAN was profitable.
- In the past year RYAN had a positive cash flow from operations.
- In the past 5 years RYAN has always been profitable.
- RYAN had a positive operating cash flow in each of the past 5 years.
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.
- The Return On Equity of RYAN (11.18%) is comparable to the rest of the industry.
- 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 14.94%.
| 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
- Looking at the Profit Margin, with a value of 2.38%, RYAN is doing worse than 79.05% of the companies in the same industry.
- 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.
- 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so RYAN is still 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.
- RYAN has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.35, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 1.35, 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.
- RYAN has a Debt to FCF ratio of 5.96. This is in the lower half of the industry: RYAN underperforms 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.
- With a Debt to Equity ratio value of 5.31, RYAN is not doing good in the industry: 94.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.35 |
ROIC/WACC1.25
WACC8.1%
2.3 Liquidity
- A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
- The Current ratio of RYAN (1.00) is better 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.
- With a decent Quick ratio value of 1.00, RYAN is doing good in the industry, outperforming 79.05% 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.
- The earnings per share for RYAN have been decreasing by -11.82% on average. This is quite bad
- Looking at the last year, RYAN shows a small growth in Revenue. The Revenue has grown by 0.90% in the last year.
- 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 Y14.73%
EPS Next 2Y16.75%
EPS Next 3Y18.3%
EPS Next 5Y19.63%
Revenue Next Year22.57%
Revenue Next 2Y19.51%
Revenue Next 3Y18.14%
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
- The Price/Earnings ratio is 24.51, which indicates a rather expensive current valuation of RYAN.
- Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 73.65% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (28.30), we can say RYAN is valued inline with the index average.
- Based on the Price/Forward Earnings ratio of 19.79, the valuation of RYAN can be described as rather expensive.
- RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 71.62% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. RYAN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.51 | ||
| Fwd PE | 19.79 |
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 64.86% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.38 | ||
| EV/EBITDA | 16.84 |
4.3 Compensation for Growth
- RYAN's 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 18.30% in the coming years.
PEG (NY)1.66
PEG (5Y)N/A
EPS Next 2Y16.75%
EPS Next 3Y18.3%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.95%, RYAN is not a good candidate for dividend investing.
- RYAN's Dividend Yield is comparable with the industry average which is at 2.41.
- Compared to an average S&P500 Dividend Yield of 1.82, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
5.2 History
- RYAN does not have a reliable dividend history as it only pays dividend since a couple or years.
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 2Y16.75%
EPS Next 3Y18.3%
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 14.73% in the next year.