RYAN SPECIALTY HOLDINGS INC (RYAN) Fundamental Analysis & Valuation

NYSE:RYAN • US78351F1075

Current stock price

34.59 USD
-0.09 (-0.26%)
At close:
34.68 USD
+0.09 (+0.26%)
After Hours:

This RYAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RYAN Profitability Analysis

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.
  • In the past 5 years RYAN always reported a positive cash flow from operatings.
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 2024 2025 0 200M 400M 600M

1.2 Ratios

  • RYAN has a worse Return On Assets (0.60%) than 67.57% of its industry peers.
  • RYAN has a Return On Equity of 9.78%. This is comparable to the rest of the industry: RYAN outperforms 45.95% of its industry peers.
  • RYAN's Return On Invested Capital of 8.96% is amongst the best of the industry. RYAN outperforms 90.54% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RYAN is in line with the industry average of 9.34%.
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROIC 8.96%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

1.3 Margins

  • The Profit Margin of RYAN (2.08%) is worse than 79.05% of its industry peers.
  • RYAN's Profit Margin has declined in the last couple of years.
  • The Operating Margin of RYAN (20.06%) is better than 73.65% of its industry peers.
  • RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.06%
PM (TTM) 2.08%
GM N/A
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
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 2024 2025 5 10 15 20

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3

2. RYAN Health Analysis

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
  • The debt/assets ratio for RYAN has been reduced compared to a year ago.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • RYAN has an Altman-Z score of 1.04. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.04, RYAN belongs to the best of the industry, outperforming 81.76% of the companies in the same industry.
  • RYAN has a debt to FCF ratio of 5.85. This is a neutral value as RYAN would need 5.85 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 5.85, RYAN is doing worse than 67.57% of the companies in the same industry.
  • RYAN has a Debt/Equity ratio of 5.08. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.08, RYAN is doing worse than 94.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Altman-Z 1.04
ROIC/WACC1.14
WACC7.86%
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 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • RYAN has a Current Ratio of 0.98. This is a bad value and indicates that RYAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.98, RYAN is doing good in the industry, outperforming 78.38% of the companies in the same industry.
  • A Quick Ratio of 0.98 indicates that RYAN may have some problems paying its short term obligations.
  • RYAN has a Quick ratio of 0.98. This is in the better half of the industry: RYAN outperforms 78.38% of its industry peers.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RYAN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.06% 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 -20.00% yearly.
  • Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.54% in the last year.
  • Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 24.54% on average per year.
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.47% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 14.67% on average over the next years. This is quite good.
EPS Next Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue Next Year12.2%
Revenue Next 2Y12.79%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%

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.
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 4B 5B
RYAN Yearly EPS VS EstimatesRYAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3 4

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2

4. RYAN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.56, RYAN is valued on the expensive side.
  • 73.65% of the companies in the same industry are cheaper than RYAN, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.54. RYAN is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 14.74, RYAN is valued correctly.
  • RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 66.22% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, RYAN is valued a bit cheaper.
Industry RankSector Rank
PE 17.56
Fwd PE 14.74
RYAN Price Earnings VS Forward Price EarningsRYAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 62.84% of the companies listed 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 64.19% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.96
EV/EBITDA 13.73
RYAN Per share dataRYAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • RYAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as RYAN's earnings are expected to grow with 17.56% in the coming years.
PEG (NY)0.92
PEG (5Y)N/A
EPS Next 2Y18.17%
EPS Next 3Y17.56%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. RYAN Dividend Analysis

5.1 Amount

  • RYAN has a Yearly Dividend Yield of 1.41%.
  • In the last 3 months the price of RYAN has falen by -33.25%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.84, RYAN has a dividend in line with its industry peers.
  • RYAN's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.41%

5.2 History

  • RYAN has been paying a dividend for less than 5 years, so it still needs to build a 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 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 98.33% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP98.33%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
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 2024 2025 0 200M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

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RYAN Fundamentals: All Metrics, Ratios and Statistics

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (3/23/2026, 7:25:39 PM)

After market: 34.68 +0.09 (+0.26%)

34.59

-0.09 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners86.54%
Inst Owner Change2.01%
Ins Owners13.37%
Ins Owner Change0.07%
Market Cap9.14B
Revenue(TTM)3.05B
Net Income(TTM)63.40M
Analysts77.5
Price Target58.33 (68.63%)
Short Float %7.11%
Short Ratio3.74
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP98.33%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-24
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.32%
Min EPS beat(2)-11.31%
Max EPS beat(2)-1.33%
EPS beat(4)0
Avg EPS beat(4)-3.88%
Min EPS beat(4)-11.31%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-2.68%
EPS beat(12)3
Avg EPS beat(12)-1.54%
EPS beat(16)6
Avg EPS beat(16)-0.42%
Revenue beat(2)1
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-5.29%
Max Revenue beat(2)0.35%
Revenue beat(4)2
Avg Revenue beat(4)-1.21%
Min Revenue beat(4)-5.29%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)3
Avg Revenue beat(12)-0.82%
Revenue beat(16)5
Avg Revenue beat(16)-0.48%
PT rev (1m)-11.51%
PT rev (3m)-13.76%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)-3.87%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.38%
Revenue NY rev (1m)-1.4%
Revenue NY rev (3m)-3.8%
Valuation
Industry RankSector Rank
PE 17.56
Fwd PE 14.74
P/S 3
P/FCF 15.96
P/OCF 14.2
P/B 14.1
P/tB N/A
EV/EBITDA 13.73
EPS(TTM)1.97
EY5.7%
EPS(NY)2.35
Fwd EY6.78%
FCF(TTM)2.17
FCFY6.27%
OCF(TTM)2.44
OCFY7.04%
SpS11.55
BVpS2.45
TBVpS-15.87
PEG (NY)0.92
PEG (5Y)N/A
Graham Number10.43
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 9.78%
ROCE 11.39%
ROIC 8.96%
ROICexc 9.23%
ROICexgc 128.26%
OM 20.06%
PM (TTM) 2.08%
GM N/A
FCFM 18.77%
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)11.92%
ROE(5y)13.57%
ROIC(3y)9.61%
ROIC(5y)9.36%
ROICexc(3y)11.17%
ROICexc(5y)11.42%
ROICexgc(3y)109.28%
ROICexgc(5y)95.22%
ROCE(3y)12.21%
ROCE(5y)11.9%
ROICexgc growth 3Y25.26%
ROICexgc growth 5YN/A
ROICexc growth 3Y-11.15%
ROICexc growth 5Y5.12%
OM growth 3Y-2.85%
OM growth 5Y5.21%
PM growth 3Y-16.65%
PM growth 5Y-20.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 5.08
Debt/FCF 5.85
Debt/EBITDA 3.66
Cap/Depr 24.68%
Cap/Sales 2.33%
Interest Coverage 3.12
Cash Conversion 71.55%
Profit Quality 903.33%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.04
F-Score4
WACC7.86%
ROIC/WACC1.14
Cap/Depr(3y)26.14%
Cap/Depr(5y)82.48%
Cap/Sales(3y)1.88%
Cap/Sales(5y)6.32%
Profit Quality(3y)710.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5Y-20%
EPS Q2Q%0%
EPS Next Y19.09%
EPS Next 2Y18.17%
EPS Next 3Y17.56%
EPS Next 5Y17.47%
Revenue 1Y (TTM)-0.54%
Revenue growth 3Y20.93%
Revenue growth 5Y24.54%
Sales Q2Q%13.21%
Revenue Next Year12.2%
Revenue Next 2Y12.79%
Revenue Next 3Y12.83%
Revenue Next 5Y14.67%
EBIT growth 1Y-15.63%
EBIT growth 3Y17.48%
EBIT growth 5Y31.03%
EBIT Next Year66.26%
EBIT Next 3Y30.24%
EBIT Next 5Y29.95%
FCF growth 1Y22.41%
FCF growth 3Y22.35%
FCF growth 5Y37.22%
OCF growth 1Y25.02%
OCF growth 3Y24.26%
OCF growth 5Y36.59%

RYAN SPECIALTY HOLDINGS INC / RYAN Fundamental Analysis FAQ

What is the fundamental rating for RYAN stock?

ChartMill assigns a fundamental rating of 4 / 10 to RYAN.


What is the valuation status for RYAN stock?

ChartMill assigns a valuation rating of 2 / 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 3 / 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 19.09% in the next year.