RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
51.48 USD
+0.73 (+1.44%)
51.48 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RYAN. RYAN was compared to 146 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 quite expensive at the moment. 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 has a Return On Assets of 0.72%. This is in the lower half of the industry: RYAN underperforms 65.75% of its industry peers.
- RYAN's Return On Equity of 11.18% is in line compared to the rest of the industry. RYAN outperforms 49.32% of its industry peers.
- RYAN has a better Return On Invested Capital (10.10%) than 93.15% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for RYAN is below the industry average of 15.11%.
| 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 78.77% of its industry peers.
- RYAN's Profit Margin has declined in the last couple of years.
- RYAN has a Operating Margin of 22.14%. This is amongst the best in the industry. RYAN outperforms 80.14% 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.
- 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 1.41. 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 (1.41) than 83.56% 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.
- Looking at the Debt to FCF ratio, with a value of 5.96, RYAN is doing worse than 66.44% of the companies in the same industry.
- 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: 94.52% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.24
WACC8.14%
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 has a Current ratio of 1.00. This is in the better half of the industry: RYAN outperforms 78.77% of its industry peers.
- A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
- RYAN's Quick ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 78.77% of its industry peers.
| 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.
- 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.
- The Revenue has been growing slightly by 0.90% in the past 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
- Based on estimates for the next years, RYAN will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.63% on average per year.
- 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 Y14.79%
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
- 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.
- 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
- With a Price/Earnings ratio of 26.13, RYAN can be considered very expensive at the moment.
- RYAN's Price/Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 74.66% of the companies in the same industry.
- RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 20.97 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 72.60% 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 (24.26), we can say RYAN is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.13 | ||
| Fwd PE | 20.97 |
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 65.75% of the companies listed 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 67.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.87 | ||
| EV/EBITDA | 17.82 |
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 18.13% in the coming years.
PEG (NY)1.77
PEG (5Y)N/A
EPS Next 2Y17.1%
EPS Next 3Y18.13%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.95%, RYAN is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.42, RYAN has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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%
51.48
+0.73 (+1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)02-12 2026-02-12/amc
Inst Owners82.16%
Inst Owner Change0.44%
Ins Owners13.47%
Ins Owner Change0.37%
Market Cap13.58B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts78.33
Price Target66.43 (29.04%)
Short Float %6.95%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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)-1.54%
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 | 26.13 | ||
| Fwd PE | 20.97 | ||
| P/S | 4.58 | ||
| P/FCF | 23.87 | ||
| P/OCF | 21.22 | ||
| P/B | 21.54 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.82 |
EPS(TTM)1.97
EY3.83%
EPS(NY)2.45
Fwd EY4.77%
FCF(TTM)2.16
FCFY4.19%
OCF(TTM)2.43
OCFY4.71%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.77
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 | 1.41 |
F-Score3
WACC8.14%
ROIC/WACC1.24
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.