RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
NYSE:RYAN - New York Stock Exchange, Inc. - US78351F1075 - Common Stock - Currency: USD
Taking everything into account, RYAN scores 4 out of 10 in our fundamental rating. RYAN was compared to 143 industry peers in the Insurance industry. While RYAN is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.54%, RYAN is doing worse than 67.13% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.41%, RYAN is in line with its industry, outperforming 45.45% of the companies in the same industry.
The Return On Invested Capital of RYAN (9.94%) is better than 95.80% of its industry peers.
RYAN had an Average Return On Invested Capital over the past 3 years of 10.21%. This is significantly above the industry average of 4.05%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 9.41% | ||
| ROIC | 9.94% |
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
With a Profit Margin value of 2.04%, RYAN is not doing good in the industry: 76.22% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RYAN has declined.
Looking at the Operating Margin, with a value of 22.93%, RYAN belongs to the top of the industry, outperforming 88.81% 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 | 22.93% | ||
| PM (TTM) | 2.04% | ||
| 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.
The number of shares outstanding for RYAN has been increased compared to 5 years ago.
The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.39, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
RYAN has a better Altman-Z score (1.39) than 83.92% of its industry peers.
RYAN has a debt to FCF ratio of 6.81. This is a slightly negative value and a sign of low solvency as RYAN would need 6.81 years to pay back of all of its debts.
The Debt to FCF ratio of RYAN (6.81) is worse than 66.43% of its industry peers.
RYAN has a Debt/Equity ratio of 5.59. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.59, RYAN is doing worse than 93.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.21
WACC8.19%
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 79.72% of its industry peers.
RYAN has a Quick Ratio of 1.01. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.01, RYAN is doing good in the industry, outperforming 79.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.38%, which is quite good.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.82% yearly.
The Revenue has decreased by -0.73% 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)19.38%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%13.79%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%22.97%
3.2 Future
RYAN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.13% yearly.
RYAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.21% yearly.
EPS Next Y19.35%
EPS Next 2Y20.86%
EPS Next 3Y20.97%
EPS Next 5Y20.13%
Revenue Next Year22.18%
Revenue Next 2Y19.19%
Revenue Next 3Y17.82%
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 30.27, which means the current valuation is very expensive for RYAN.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 74.83% 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 27.03, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 22.12 indicates a rather expensive valuation of RYAN.
RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 74.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (36.28), we can say RYAN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.27 | ||
| Fwd PE | 22.12 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 65.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 71.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.77 | ||
| EV/EBITDA | 20.74 |
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 20.97% in the coming years.
PEG (NY)1.56
PEG (5Y)N/A
EPS Next 2Y20.86%
EPS Next 3Y20.97%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.81%, which is pretty low.
RYAN's Dividend Yield is slightly below the industry average, which is at 3.38.
With a Dividend Yield of 0.81, RYAN pays less dividend than the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
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 100.59% of its income as dividend. This is not a sustainable payout ratio.
DP100.59%
EPS Next 2Y20.86%
EPS Next 3Y20.97%
NYSE:RYAN (8/6/2025, 1:09:04 PM)
57.82
+0.05 (+0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners83.36%
Inst Owner Change3.47%
Ins Owners13.69%
Ins Owner Change-3.89%
Market Cap15.17B
Analysts77
Price Target78.99 (36.61%)
Short Float %5.12%
Short Ratio5.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP100.59%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.43%
Min EPS beat(2)-2.26%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-2.16%
Min EPS beat(4)-3.27%
Max EPS beat(4)-0.61%
EPS beat(8)2
Avg EPS beat(8)-1%
EPS beat(12)4
Avg EPS beat(12)-0.74%
EPS beat(16)8
Avg EPS beat(16)2.29%
Revenue beat(2)1
Avg Revenue beat(2)0.04%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)0.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.61%
Min Revenue beat(4)-1.3%
Max Revenue beat(4)0.66%
Revenue beat(8)1
Avg Revenue beat(8)-0.77%
Revenue beat(12)2
Avg Revenue beat(12)-0.81%
Revenue beat(16)5
Avg Revenue beat(16)0.17%
PT rev (1m)0.42%
PT rev (3m)3.89%
EPS NQ rev (1m)-1.98%
EPS NQ rev (3m)-3.62%
EPS NY rev (1m)-0.4%
EPS NY rev (3m)0.03%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.27 | ||
| Fwd PE | 22.12 | ||
| P/S | 5.39 | ||
| P/FCF | 29.77 | ||
| P/OCF | 26.56 | ||
| P/B | 24.87 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.74 |
EPS(TTM)1.91
EY3.3%
EPS(NY)2.61
Fwd EY4.52%
FCF(TTM)1.94
FCFY3.36%
OCF(TTM)2.18
OCFY3.77%
SpS10.72
BVpS2.32
TBVpS-15.66
PEG (NY)1.56
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 9.41% | ||
| ROCE | 11.97% | ||
| ROIC | 9.94% | ||
| ROICexc | 10.27% | ||
| ROICexgc | 107.41% | ||
| OM | 22.93% | ||
| PM (TTM) | 2.04% | ||
| GM | N/A | ||
| FCFM | 18.12% |
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%
ROICexcg growth 3Y9.66%
ROICexcg 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 Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Debt/EBITDA | 3.83 | ||
| Cap/Depr | 25.15% | ||
| Cap/Sales | 2.19% | ||
| Interest Coverage | 4.11 | ||
| Cash Conversion | 64.18% | ||
| Profit Quality | 888.27% | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 1.39 |
F-Score3
WACC8.19%
ROIC/WACC1.21
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)19.38%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%13.79%
EPS Next Y19.35%
EPS Next 2Y20.86%
EPS Next 3Y20.97%
EPS Next 5Y20.13%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%22.97%
Revenue Next Year22.18%
Revenue Next 2Y19.19%
Revenue Next 3Y17.82%
Revenue Next 5Y16.21%
EBIT growth 1Y-1.3%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.74%
EBIT Next 3Y28.48%
EBIT Next 5Y23%
FCF growth 1Y73.26%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y81.03%
OCF growth 3Y23.48%
OCF growth 5Y28.06%