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RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

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

70.59  +0.26 (+0.37%)

After market: 70.59 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RYAN. RYAN was compared to 143 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. RYAN shows excellent growth, but is valued quite expensive already.


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.
RYAN had positive earnings in each of the past 5 years.
RYAN had a positive operating cash flow in each of the past 5 years.
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 0 200M 400M 600M

1.2 Ratios

RYAN has a Return On Assets of 0.68%. This is in the lower half of the industry: RYAN underperforms 65.73% of its industry peers.
RYAN has a Return On Equity of 12.35%. This is in the better half of the industry: RYAN outperforms 60.14% of its industry peers.
With an excellent Return On Invested Capital value of 10.84%, RYAN belongs to the best of the industry, outperforming 95.80% of the companies in the same industry.
RYAN had an Average Return On Invested Capital over the past 3 years of 10.21%. This is significantly above the industry average of 4.27%.
The 3 year average ROIC (10.21%) for RYAN is below the current ROIC(10.84%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.68%
ROE 12.35%
ROIC 10.84%
ROA(3y)0.93%
ROA(5y)1.1%
ROE(3y)12.97%
ROE(5y)16.02%
ROIC(3y)10.21%
ROIC(5y)9.27%
RYAN Yearly ROA, ROE, ROICRYAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

RYAN's Profit Margin of 2.09% is on the low side compared to the rest of the industry. RYAN is outperformed by 79.72% of its industry peers.
RYAN's Profit Margin has declined in the last couple of years.
RYAN's Operating Margin of 22.36% is amongst the best of the industry. RYAN outperforms 85.31% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.36%
PM (TTM) 2.09%
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
RYAN Yearly Profit, Operating, Gross MarginsRYAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

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.
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.
RYAN Yearly Shares OutstandingRYAN Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

Based on the Altman-Z score of 1.79, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.79, RYAN belongs to the top of the industry, outperforming 90.21% of the companies in the same industry.
The Debt to FCF ratio of RYAN is 8.54, which is on the high side as it means it would take RYAN, 8.54 years of fcf income to pay off all of its debts.
RYAN has a Debt to FCF ratio of 8.54. This is in the lower half of the industry: RYAN underperforms 74.83% of its industry peers.
A Debt/Equity ratio of 6.73 is on the high side and indicates that RYAN has dependencies on debt financing.
The Debt to Equity ratio of RYAN (6.73) is worse than 96.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.73
Debt/FCF 8.54
Altman-Z 1.79
ROIC/WACC1.27
WACC8.51%
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 0 1B 2B 3B

2.3 Liquidity

RYAN has a Current Ratio of 1.05. This is a normal value and indicates that RYAN is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.05, RYAN is in the better half of the industry, outperforming 79.02% of the companies in the same industry.
A Quick Ratio of 1.05 indicates that RYAN should not have too much problems paying its short term obligations.
The Quick ratio of RYAN (1.05) is better than 79.02% of its industry peers.
Industry RankSector Rank
Current Ratio 1.05
Quick Ratio 1.05
RYAN Yearly Current Assets VS Current LiabilitesRYAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.49%, which is quite impressive.
The earnings per share for RYAN have been decreasing by -11.82% on average. This is quite bad
RYAN shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.61%.
The Revenue has been growing by 26.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)24.49%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%11.43%
Revenue 1Y (TTM)47.61%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%25.02%

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.
The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
EPS Next Y19.95%
EPS Next 2Y20.92%
EPS Next 3Y20.96%
EPS Next 5Y20.13%
Revenue Next Year22.8%
Revenue Next 2Y18.94%
Revenue Next 3Y17.5%
Revenue Next 5Y16.21%

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 1 2 3 4

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 38.57 indicates a quite expensive valuation of RYAN.
Based on the Price/Earnings ratio, RYAN is valued expensively inside the industry as 80.42% of the companies are valued cheaper.
RYAN is valuated rather expensively when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 26.97, the valuation of RYAN can be described as expensive.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 78.32% of the companies are valued more cheaply.
RYAN's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.43.
Industry RankSector Rank
PE 38.57
Fwd PE 26.97
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

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 66.43% of the companies listed in the same industry.
RYAN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 79.02% of the companies in the same industry.
Industry RankSector Rank
P/FCF 42.89
EV/EBITDA 23.87
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RYAN does not grow enough to justify the current Price/Earnings ratio.
RYAN has a very decent profitability rating, which may justify a higher PE ratio.
RYAN's earnings are expected to grow with 20.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.93
PEG (5Y)N/A
EPS Next 2Y20.92%
EPS Next 3Y20.96%

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0

5. Dividend

5.1 Amount

RYAN has a yearly dividend return of 0.66%, which is pretty low.
Compared to an average industry Dividend Yield of 3.17, 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 2.36.
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 2025 0.2 0.4 0.6

5.3 Sustainability

RYAN pays out 82.49% of its income as dividend. This is not a sustainable payout ratio.
DP82.49%
EPS Next 2Y20.92%
EPS Next 3Y20.96%
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 0 100M 200M 300M 400M
RYAN Dividend Payout.RYAN Dividend Payout, showing the Payout Ratio.RYAN Dividend Payout.PayoutRetained Earnings

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RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (5/20/2025, 8:04:01 PM)

After market: 70.59 0 (0%)

70.59

+0.26 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners81.59%
Inst Owner Change2.61%
Ins Owners13.84%
Ins Owner Change-4.2%
Market Cap18.52B
Analysts76
Price Target77.91 (10.37%)
Short Float %5.11%
Short Ratio4.76
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP82.49%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-13 2025-05-13 (0.12)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.38%
Min EPS beat(2)-2.5%
Max EPS beat(2)-2.26%
EPS beat(4)1
Avg EPS beat(4)-1.65%
Min EPS beat(4)-3.27%
Max EPS beat(4)1.45%
EPS beat(8)2
Avg EPS beat(8)-0.99%
EPS beat(12)5
Avg EPS beat(12)0%
EPS beat(16)9
Avg EPS beat(16)2.81%
Revenue beat(2)0
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-1.24%
Max Revenue beat(2)-0.57%
Revenue beat(4)0
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-1.63%
Max Revenue beat(4)-0.57%
Revenue beat(8)0
Avg Revenue beat(8)-0.89%
Revenue beat(12)2
Avg Revenue beat(12)-0.48%
Revenue beat(16)4
Avg Revenue beat(16)0.05%
PT rev (1m)0.39%
PT rev (3m)0.79%
EPS NQ rev (1m)-2.02%
EPS NQ rev (3m)-7.02%
EPS NY rev (1m)0.53%
EPS NY rev (3m)-5.01%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)1.52%
Valuation
Industry RankSector Rank
PE 38.57
Fwd PE 26.97
P/S 5.78
P/FCF 42.89
P/OCF 37.91
P/B 34.14
P/tB N/A
EV/EBITDA 23.87
EPS(TTM)1.83
EY2.59%
EPS(NY)2.62
Fwd EY3.71%
FCF(TTM)1.65
FCFY2.33%
OCF(TTM)1.86
OCFY2.64%
SpS12.22
BVpS2.07
TBVpS-15.76
PEG (NY)1.93
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 12.35%
ROCE 13.05%
ROIC 10.84%
ROICexc 11.26%
ROICexgc 97.45%
OM 22.36%
PM (TTM) 2.09%
GM N/A
FCFM 13.47%
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-Score4
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 6.73
Debt/FCF 8.54
Debt/EBITDA 3.96
Cap/Depr 27.67%
Cap/Sales 1.77%
Interest Coverage 4.26
Cash Conversion 52.99%
Profit Quality 644.28%
Current Ratio 1.05
Quick Ratio 1.05
Altman-Z 1.79
F-Score4
WACC8.51%
ROIC/WACC1.27
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)24.49%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%11.43%
EPS Next Y19.95%
EPS Next 2Y20.92%
EPS Next 3Y20.96%
EPS Next 5Y20.13%
Revenue 1Y (TTM)47.61%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%25.02%
Revenue Next Year22.8%
Revenue Next 2Y18.94%
Revenue Next 3Y17.5%
Revenue Next 5Y16.21%
EBIT growth 1Y45.14%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year54.4%
EBIT Next 3Y29.16%
EBIT Next 5Y23%
FCF growth 1Y97.72%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y102.06%
OCF growth 3Y23.48%
OCF growth 5Y28.06%