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RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN - New York Stock Exchange, Inc. - US78351F1075 - Common Stock

66.485  -0.25 (-0.38%)

Fundamental Rating

5

Overall RYAN gets a fundamental rating of 5 out of 10. We evaluated RYAN against 143 industry peers in the Insurance industry. RYAN has an average financial health and profitability rating. RYAN is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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6

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.
Each year in the past 5 years RYAN had a positive operating cash flow.
RYAN Yearly Net Income VS EBIT VS OCF VS FCFRYAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.39%, RYAN is in line with its industry, outperforming 41.84% of the companies in the same industry.
RYAN's Return On Equity of 18.59% is fine compared to the rest of the industry. RYAN outperforms 76.60% of its industry peers.
RYAN has a Return On Invested Capital of 13.04%. This is amongst the best in the industry. RYAN outperforms 97.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RYAN is significantly above the industry average of 4.61%.
The 3 year average ROIC (10.42%) for RYAN is below the current ROIC(13.04%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.39%
ROE 18.59%
ROIC 13.04%
ROA(3y)1.01%
ROA(5y)1.49%
ROE(3y)14.34%
ROE(5y)32.97%
ROIC(3y)10.42%
ROIC(5y)9.88%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 20 40 60 80

1.3 Margins

RYAN has a Profit Margin of 4.01%. This is in the lower half of the industry: RYAN underperforms 64.54% of its industry peers.
RYAN's Profit Margin has declined in the last couple of years.
The Operating Margin of RYAN (23.18%) is better than 82.27% of its industry peers.
In the last couple of years the Operating Margin of RYAN has grown nicely.
Industry RankSector Rank
OM 23.18%
PM (TTM) 4.01%
GM N/A
OM growth 3Y12.98%
OM growth 5YN/A
PM growth 3Y-23.98%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 5 10 15 20

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4

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 about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, RYAN has an improved debt to assets ratio.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M
RYAN Yearly Total Debt VS Total AssetsRYAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2B 4B 6B

2.2 Solvency

An Altman-Z score of 1.98 indicates that RYAN is not a great score, but indicates only limited risk for bankruptcy at the moment.
RYAN has a better Altman-Z score (1.98) than 90.07% of its industry peers.
RYAN has a debt to FCF ratio of 6.11. This is a slightly negative value and a sign of low solvency as RYAN would need 6.11 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.11, RYAN is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
RYAN has a Debt/Equity ratio of 4.18. This is a high value indicating a heavy dependency on external financing.
RYAN has a Debt to Equity ratio of 4.18. This is amonst the worse of the industry: RYAN underperforms 97.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.18
Debt/FCF 6.11
Altman-Z 1.98
ROIC/WACC1.45
WACC8.98%
RYAN Yearly LT Debt VS Equity VS FCFRYAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
RYAN has a better Current ratio (1.01) than 77.31% of its industry peers.
A Quick Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
RYAN has a better Quick ratio (1.01) than 77.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 1B 2B 3B 4B

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.00% over the past year.
The earnings per share for RYAN have been decreasing by -30.34% on average. This is quite bad
RYAN shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.37%.
Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 26.83% on average per year.
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%28.12%
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.47%

3.2 Future

The Earnings Per Share is expected to grow by 20.38% on average over the next years. This is a very strong growth
Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 12.44% on average per year.
EPS Next Y32.55%
EPS Next 2Y27.34%
EPS Next 3Y24.94%
EPS Next 5Y20.38%
Revenue Next Year21.33%
Revenue Next 2Y20.92%
Revenue Next 3Y19.33%
Revenue Next 5Y12.44%

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.
RYAN Yearly Revenue VS EstimatesRYAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B
RYAN Yearly EPS VS EstimatesRYAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 39.34, the valuation of RYAN can be described as expensive.
80.14% of the companies in the same industry are cheaper than RYAN, based on the Price/Earnings ratio.
RYAN's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 28.29.
RYAN is valuated quite expensively with a Price/Forward Earnings ratio of 29.71.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 76.60% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (24.44), we can say RYAN is valued slightly more expensively.
Industry RankSector Rank
PE 39.34
Fwd PE 29.71
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than the industry average as 63.12% 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 70.92% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 39.69
EV/EBITDA 24.43
RYAN Per share dataRYAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
RYAN has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 24.94% in the coming years.
PEG (NY)1.21
PEG (5Y)N/A
EPS Next 2Y27.34%
EPS Next 3Y24.94%

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0

5. Dividend

5.1 Amount

With a yearly dividend of 0.66%, RYAN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.99, RYAN is paying slightly less dividend.
With a Dividend Yield of 0.66, RYAN pays less dividend than the S&P500 average, which is at 2.28.
Industry RankSector Rank
Dividend Yield 0.66%

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
RYAN Yearly Dividends per shareRYAN Yearly Dividends per shareYearly Dividends per share 2024 0.2 0.4 0.6

5.3 Sustainability

DPN/A
EPS Next 2Y27.34%
EPS Next 3Y24.94%
RYAN Yearly Income VS Free CF VS DividendRYAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

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RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (1/22/2025, 10:42:50 AM)

66.485

-0.25 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)N/A N/A
Inst Owners88.28%
Inst Owner Change-0.01%
Ins Owners14.3%
Ins Owner Change-148.05%
Market Cap17.41B
Analysts74.29
Price Target78.93 (18.72%)
Short Float %5.44%
Short Ratio6.2
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.91%
Min EPS beat(2)-3.27%
Max EPS beat(2)1.45%
EPS beat(4)1
Avg EPS beat(4)-0.94%
Min EPS beat(4)-3.27%
Max EPS beat(4)1.45%
EPS beat(8)4
Avg EPS beat(8)0.09%
EPS beat(12)7
Avg EPS beat(12)0.94%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.46%
Min Revenue beat(2)-1.63%
Max Revenue beat(2)-1.3%
Revenue beat(4)0
Avg Revenue beat(4)-1.12%
Min Revenue beat(4)-1.63%
Max Revenue beat(4)-0.11%
Revenue beat(8)1
Avg Revenue beat(8)-0.5%
Revenue beat(12)3
Avg Revenue beat(12)-0.3%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.85%
PT rev (3m)12.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.38%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.16%
Valuation
Industry RankSector Rank
PE 39.34
Fwd PE 29.71
P/S 5.93
P/FCF 39.69
P/OCF 36.11
P/B 27.51
P/tB N/A
EV/EBITDA 24.43
EPS(TTM)1.69
EY2.54%
EPS(NY)2.24
Fwd EY3.37%
FCF(TTM)1.68
FCFY2.52%
OCF(TTM)1.84
OCFY2.77%
SpS11.22
BVpS2.42
TBVpS-11.69
PEG (NY)1.21
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 18.59%
ROCE 15.08%
ROIC 13.04%
ROICexc 13.75%
ROICexgc 100.84%
OM 23.18%
PM (TTM) 4.01%
GM N/A
FCFM 14.93%
ROA(3y)1.01%
ROA(5y)1.49%
ROE(3y)14.34%
ROE(5y)32.97%
ROIC(3y)10.42%
ROIC(5y)9.88%
ROICexc(3y)13.68%
ROICexc(5y)12.24%
ROICexgc(3y)87.28%
ROICexgc(5y)N/A
ROCE(3y)12.05%
ROCE(5y)11.43%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y24.19%
ROICexc growth 5YN/A
OM growth 3Y12.98%
OM growth 5YN/A
PM growth 3Y-23.98%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 4.18
Debt/FCF 6.11
Debt/EBITDA 3.25
Cap/Depr 32.29%
Cap/Sales 1.48%
Interest Coverage 4.4
Cash Conversion 59.13%
Profit Quality 372.77%
Current Ratio 1.01
Quick Ratio 1.01
Altman-Z 1.98
F-Score6
WACC8.98%
ROIC/WACC1.45
Cap/Depr(3y)119.9%
Cap/Depr(5y)80.23%
Cap/Sales(3y)9.13%
Cap/Sales(5y)6.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%28.12%
EPS Next Y32.55%
EPS Next 2Y27.34%
EPS Next 3Y24.94%
EPS Next 5Y20.38%
Revenue 1Y (TTM)48.37%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.47%
Revenue Next Year21.33%
Revenue Next 2Y20.92%
Revenue Next 3Y19.33%
Revenue Next 5Y12.44%
EBIT growth 1Y54.6%
EBIT growth 3Y43.29%
EBIT growth 5YN/A
EBIT Next Year52.54%
EBIT Next 3Y32.65%
EBIT Next 5YN/A
FCF growth 1Y72.15%
FCF growth 3Y56.07%
FCF growth 5YN/A
OCF growth 1Y78.5%
OCF growth 3Y52.18%
OCF growth 5YN/A