RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - NYSE:RYAN - US78351F1075 - Common Stock
55.21 USD
-0.42 (-0.75%)
55.21 USD
0 (0%)
Overall RYAN gets a fundamental rating of 4 out of 10. We evaluated RYAN against 145 industry peers in the Insurance industry. RYAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. RYAN is valied quite expensively at the moment, while it does show a decent growth rate.
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.
RYAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RYAN's Return On Assets of 0.54% is on the low side compared to the rest of the industry. RYAN is outperformed by 70.34% of its industry peers.
RYAN has a Return On Equity (9.41%) which is in line with its industry peers.
RYAN has a Return On Invested Capital of 9.94%. This is amongst the best in the industry. RYAN outperforms 95.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RYAN is significantly above the industry average of 4.40%.
| 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
RYAN has a Profit Margin of 2.04%. This is in the lower half of the industry: RYAN underperforms 79.31% of its industry peers.
In the last couple of years the Profit Margin of RYAN has declined.
RYAN has a Operating Margin of 22.93%. This is amongst the best in the industry. RYAN outperforms 87.59% of its industry peers.
RYAN's Operating Margin has improved in the last couple of years.
| 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
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
The number of shares outstanding for RYAN has been increased compared to 5 years ago.
RYAN has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.36, we must say that RYAN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of RYAN (1.36) is better than 80.69% of its industry peers.
The Debt to FCF ratio of RYAN is 6.81, which is on the high side as it means it would take RYAN, 6.81 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.81, RYAN is not doing good in the industry: 64.83% of the companies in the same industry are doing better.
RYAN has a Debt/Equity ratio of 5.59. This is a high value indicating a heavy dependency on external financing.
RYAN's Debt to Equity ratio of 5.59 is on the low side compared to the rest of the industry. RYAN is outperformed by 95.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.36 |
ROIC/WACC1.24
WACC8.02%
2.3 Liquidity
A Current Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.01, RYAN is doing good in the industry, outperforming 78.62% of the companies in the same industry.
A Quick Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
RYAN's Quick ratio of 1.01 is fine compared to the rest of the industry. RYAN outperforms 78.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.38% over the past year.
Measured over the past years, RYAN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.82% on average per year.
Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.73% in the last 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
Based on estimates for the next years, RYAN will show a very strong growth in Earnings Per Share. The EPS will grow by 20.72% on average per year.
Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 16.21% on average per year.
EPS Next Y17.43%
EPS Next 2Y20.27%
EPS Next 3Y19.89%
EPS Next 5Y20.72%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y17.66%
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.
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
With a Price/Earnings ratio of 28.91, RYAN can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than the industry average as 79.31% of the companies are valued more cheaply.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 21.32, RYAN is valued on the expensive side.
RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 71.72% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, RYAN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.91 | ||
| Fwd PE | 21.32 |
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 67.59% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 64.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.56 | ||
| EV/EBITDA | 20.19 |
4.3 Compensation for Growth
RYAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
RYAN's earnings are expected to grow with 19.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.66
PEG (5Y)N/A
EPS Next 2Y20.27%
EPS Next 3Y19.89%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.84%, which is pretty low.
Compared to an average industry Dividend Yield of 3.33, RYAN is paying slightly less dividend.
With a Dividend Yield of 0.84, RYAN pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
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 2Y20.27%
EPS Next 3Y19.89%
55.21
-0.42 (-0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners79.39%
Inst Owner Change0%
Ins Owners13.54%
Ins Owner Change-2.36%
Market Cap14.56B
Analysts80.95
Price Target74.89 (35.65%)
Short Float %4.76%
Short Ratio3.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.84% |
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)-1.15%
PT rev (3m)-7.46%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-2.93%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.91 | ||
| Fwd PE | 21.32 | ||
| P/S | 5.17 | ||
| P/FCF | 28.56 | ||
| P/OCF | 25.48 | ||
| P/B | 23.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.19 |
EPS(TTM)1.91
EY3.46%
EPS(NY)2.59
Fwd EY4.69%
FCF(TTM)1.93
FCFY3.5%
OCF(TTM)2.17
OCFY3.92%
SpS10.67
BVpS2.31
TBVpS-15.59
PEG (NY)1.66
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 | 1.36 |
F-Score3
WACC8.02%
ROIC/WACC1.24
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 Y17.43%
EPS Next 2Y20.27%
EPS Next 3Y19.89%
EPS Next 5Y20.72%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%22.97%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y17.66%
Revenue Next 5Y16.21%
EBIT growth 1Y-1.3%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.88%
EBIT Next 3Y28.06%
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%