RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
51.82 USD
-0.03 (-0.06%)
51.82 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. While showing a medium growth rate, RYAN is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
RYAN had positive earnings in the past year.
In the past year RYAN had a positive cash flow from operations.
In the past 5 years RYAN has always been profitable.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.72%, RYAN is not doing good in the industry: 66.89% of the companies in the same industry are doing better.
RYAN has a Return On Equity of 11.18%. This is comparable to the rest of the industry: RYAN outperforms 49.32% 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 14.88%.
| 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 has a Profit Margin of 2.38%. This is in the lower half of the industry: RYAN underperforms 79.73% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
Looking at the Operating Margin, with a value of 22.14%, RYAN is in the better half of 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.
Compared to 1 year ago, RYAN has more shares outstanding
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
RYAN has an Altman-Z score of 1.43. 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 (1.43) than 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.
RYAN's Debt to FCF ratio of 5.96 is on the low side compared to the rest of the industry. RYAN is outperformed by 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: 95.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.25
WACC8.06%
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.
The Current ratio of RYAN (1.00) is better than 78.38% of its industry peers.
A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 78.38% 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.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.82% yearly.
Looking at the last year, RYAN shows a small growth in Revenue. The Revenue has grown by 0.90% in the last year.
Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 26.88% on average per year.
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
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
The Price/Earnings ratio is 26.30, which means the current valuation is very expensive for RYAN.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 75.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.57, RYAN is valued at the same level.
A Price/Forward Earnings ratio of 20.90 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 73.65% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, RYAN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.3 | ||
| Fwd PE | 20.9 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 66.22% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 67.57% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.02 | ||
| EV/EBITDA | 18.13 |
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 18.24% in the coming years.
PEG (NY)1.77
PEG (5Y)N/A
EPS Next 2Y17.69%
EPS Next 3Y18.24%
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 2.30.
With a Dividend Yield of 0.93, RYAN pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.93% |
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
RYAN pays out 85.88% of its income as dividend. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
51.82
-0.03 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.1%
Inst Owner Change-0.53%
Ins Owners13.46%
Ins Owner Change0.37%
Market Cap13.67B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price Target66.6 (28.52%)
Short Float %7.49%
Short Ratio5.36
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-Date
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)-7.9%
PT rev (3m)-10.72%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.3 | ||
| Fwd PE | 20.9 | ||
| P/S | 4.61 | ||
| P/FCF | 24.02 | ||
| P/OCF | 21.36 | ||
| P/B | 21.68 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.13 |
EPS(TTM)1.97
EY3.8%
EPS(NY)2.48
Fwd EY4.78%
FCF(TTM)2.16
FCFY4.16%
OCF(TTM)2.43
OCFY4.68%
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 | 1.43 |
F-Score3
WACC8.06%
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year49.07%
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.
Can you provide the valuation status for RYAN SPECIALTY HOLDINGS INC?
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 valuation of RYAN SPECIALTY HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RYAN SPECIALTY HOLDINGS INC (RYAN) is 26.3 and the Price/Book (PB) ratio is 21.68.
Is the dividend of RYAN SPECIALTY HOLDINGS INC sustainable?
The dividend rating of RYAN SPECIALTY HOLDINGS INC (RYAN) is 0 / 10 and the dividend payout ratio is 85.88%.