RYAN SPECIALTY HOLDINGS INC (RYAN)
US78351F1075 - Common Stock
Taking everything into account, RYAN scores 5 out of 10 in our fundamental rating. RYAN was compared to 140 industry peers in the Insurance industry. RYAN has an average financial health and profitability rating. RYAN is valued quite expensive, but it does show an excellent growth. These ratings would make RYAN suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year RYAN was profitable.
RYAN had a positive operating cash flow in the past year.
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
RYAN has a Return On Assets (0.90%) which is comparable to the rest of the industry.
With a Return On Equity value of 11.50%, RYAN perfoms like the industry average, outperforming 51.82% of the companies in the same industry.
With an excellent Return On Invested Capital value of 12.41%, RYAN belongs to the best of the industry, outperforming 97.81% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for RYAN is significantly above the industry average of 3.97%.
The last Return On Invested Capital (12.41%) for RYAN is above the 3 year average (10.42%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 11.5% | ||
| ROIC | 12.41% |
ROA(3y)1.01%
ROA(5y)1.49%
ROE(3y)14.34%
ROE(5y)32.97%
ROIC(3y)10.42%
ROIC(5y)9.88%
1.3 Margins
With a Profit Margin value of 2.93%, RYAN is not doing good in the industry: 64.96% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RYAN has declined.
RYAN has a Operating Margin of 22.74%. This is amongst the best in the industry. RYAN outperforms 81.75% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.74% | ||
| PM (TTM) | 2.93% | ||
| 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
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 about the same amount of shares outstanding.
RYAN has a better debt/assets ratio than last year.
2.2 Solvency
RYAN has an Altman-Z score of 1.92. This is not the best score and indicates that RYAN is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.92, RYAN belongs to the top of the industry, outperforming 90.51% of the companies in the same industry.
The Debt to FCF ratio of RYAN is 4.08, which is a neutral value as it means it would take RYAN, 4.08 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.08, RYAN is not doing good in the industry: 62.04% of the companies in the same industry are doing better.
RYAN has a Debt/Equity ratio of 3.50. This is a high value indicating a heavy dependency on external financing.
RYAN has a Debt to Equity ratio of 3.50. This is amonst the worse of the industry: RYAN underperforms 95.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | 4.08 | ||
| Altman-Z | 1.92 |
ROIC/WACC1.42
WACC8.76%
2.3 Liquidity
RYAN has a Current Ratio of 1.15. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
RYAN has a Current ratio of 1.15. This is amongst the best in the industry. RYAN outperforms 83.21% of its industry peers.
RYAN has a Quick Ratio of 1.15. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.15, RYAN belongs to the best of the industry, outperforming 83.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.64% 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 -30.34% yearly.
Looking at the last year, RYAN shows a very strong growth in Revenue. The Revenue has grown by 20.94%.
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)25.64%
EPS 3Y-30.34%
EPS 5YN/A
EPS Q2Q%34.62%
Revenue 1Y (TTM)20.94%
Revenue growth 3Y26.83%
Revenue growth 5YN/A
Sales Q2Q%20.64%
3.2 Future
The Earnings Per Share is expected to grow by 19.74% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.44% on average over the next years. This is quite good.
EPS Next Y31.14%
EPS Next 2Y26.11%
EPS Next 3Y23.42%
EPS Next 5Y19.74%
Revenue Next Year19.62%
Revenue Next 2Y18.06%
Revenue Next 3Y17.72%
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.
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
Based on the Price/Earnings ratio of 36.52, the valuation of RYAN can be described as expensive.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 75.18% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of RYAN to the average of the S&P500 Index (28.19), we can say RYAN is valued slightly more expensively.
The Price/Forward Earnings ratio is 24.46, which indicates a rather expensive current valuation of RYAN.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 74.45% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 19.98, RYAN is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.52 | ||
| Fwd PE | 24.46 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 63.50% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 72.99% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.81 | ||
| EV/EBITDA | 25.05 |
4.3 Compensation for Growth
RYAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of RYAN may justify a higher PE ratio.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 23.42% in the coming years.
PEG (NY)1.17
PEG (5Y)N/A
EPS Next 2Y26.11%
EPS Next 3Y23.42%
5. Dividend
5.1 Amount
With a yearly dividend of 0.81%, RYAN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.47, RYAN is paying slightly less dividend.
With a Dividend Yield of 0.81, RYAN pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
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
DPN/A
EPS Next 2Y26.11%
EPS Next 3Y23.42%
RYAN SPECIALTY HOLDINGS INC
NYSE:RYAN (6/10/2024, 5:30:33 PM)
After market: 53.68 0 (0%)53.68
-0.17 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap13.98B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.52 | ||
| Fwd PE | 24.46 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.17
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 11.5% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 22.74% | ||
| PM (TTM) | 2.93% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)25.64%
EPS 3Y-30.34%
EPS 5Y
EPS Q2Q%
EPS Next Y31.14%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)20.94%
Revenue growth 3Y26.83%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y