RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis

NYSE:RYAN • US78351F1075

41.3 USD
-0.03 (-0.07%)
At close: Feb 20, 2026
41.221 USD
-0.08 (-0.19%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, RYAN scores 3 out of 10 in our fundamental rating. RYAN was compared to 150 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.


Dividend Valuation Growth Profitability Health

4

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.
  • Of the past 5 years RYAN 4 years were profitable.
  • RYAN had a positive operating cash flow in 4 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

  • The Return On Assets of RYAN (0.72%) is worse than 64.67% of its industry peers.
  • RYAN has a Return On Equity (11.18%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 10.10%, RYAN belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for RYAN is below the industry average of 15.13%.
Industry RankSector Rank
ROA 0.72%
ROE 11.18%
ROIC 10.1%
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 has a Profit Margin of 2.38%. This is in the lower half of the industry: RYAN underperforms 77.33% of its industry peers.
  • In the last couple of years the Profit Margin of RYAN has declined.
  • Looking at the Operating Margin, with a value of 22.14%, RYAN is in the better half of the industry, outperforming 77.33% of the companies in the same industry.
  • RYAN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.14%
PM (TTM) 2.38%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • There is no outstanding debt for RYAN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • RYAN has an Altman-Z score of 1.25. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
  • RYAN has a Altman-Z score of 1.25. This is amongst the best in the industry. RYAN outperforms 85.33% of its industry peers.
  • The Debt to FCF ratio of RYAN is 5.96, which is a neutral value as it means it would take RYAN, 5.96 years of fcf income to pay off all of its debts.
  • RYAN has a Debt to FCF ratio of 5.96. This is in the lower half of the industry: RYAN underperforms 64.67% of its industry peers.
  • RYAN has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.31, RYAN is doing worse than 93.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Altman-Z 1.25
ROIC/WACC1.28
WACC7.87%
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

  • A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
  • RYAN's Current ratio of 1.00 is fine compared to the rest of the industry. RYAN outperforms 79.33% of its industry peers.
  • RYAN has a Quick Ratio of 1.00. This is a bad value and indicates that RYAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RYAN has a better Quick ratio (1.00) than 79.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
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

More info and screens

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

4

3. Growth

3.1 Past

  • RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.06%, which is quite good.
  • The Earnings Per Share has been growing by 19.65% on average over the past years. This is quite good.
EPS 1Y (TTM)10.06%
EPS 3Y19.65%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.17% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, RYAN will show a quite strong growth in Revenue. The Revenue will grow by 14.67% on average per year.
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%

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 stable.
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 5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • RYAN is valuated rather expensively with a Price/Earnings ratio of 20.96.
  • Compared to the rest of the industry, the Price/Earnings ratio of RYAN indicates a slightly more expensive valuation: RYAN is more expensive than 70.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, RYAN is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 16.93, RYAN is valued correctly.
  • Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (28.02), we can say RYAN is valued slightly cheaper.
Industry RankSector Rank
PE 20.96
Fwd PE 16.93
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

  • RYAN's Enterprise Value to EBITDA is on the same level as the industry average.
  • 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 64.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.15
EV/EBITDA 15.15
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 24.64% in the coming years.
PEG (NY)0.88
PEG (5Y)N/A
EPS Next 2Y22.6%
EPS Next 3Y24.64%

More info and screens

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

1

5. Dividend

5.1 Amount

  • RYAN has a Yearly Dividend Yield of 1.19%. Purely for dividend investing, there may be better candidates out there.
  • In the last 3 months the price of RYAN has falen by -27.94%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • RYAN's Dividend Yield is comparable with the industry average which is at 2.58.
  • Compared to the average S&P500 Dividend Yield of 1.81, RYAN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.19%

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

  • 85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

RYAN SPECIALTY HOLDINGS INC

NYSE:RYAN (2/20/2026, 8:04:00 PM)

After market: 41.221 -0.08 (-0.19%)

41.3

-0.03 (-0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners82.16%
Inst Owner Change2.08%
Ins Owners13.47%
Ins Owner Change0.05%
Market Cap10.90B
Revenue(TTM)N/A
Net Income(TTM)70.51M
Analysts78.33
Price Target65.92 (59.61%)
Short Float %6.85%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 1.19%
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-24
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.97%
Min EPS beat(2)-1.33%
Max EPS beat(2)-0.61%
EPS beat(4)0
Avg EPS beat(4)-1.68%
Min EPS beat(4)-2.5%
Max EPS beat(4)-0.61%
EPS beat(8)1
Avg EPS beat(8)-1.31%
EPS beat(12)4
Avg EPS beat(12)-0.5%
EPS beat(16)7
Avg EPS beat(16)0.28%
Revenue beat(2)2
Avg Revenue beat(2)0.5%
Min Revenue beat(2)0.35%
Max Revenue beat(2)0.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-1.24%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-0.4%
Revenue beat(16)5
Avg Revenue beat(16)-0.27%
PT rev (1m)-0.77%
PT rev (3m)-4.86%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.37%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 20.96
Fwd PE 16.93
P/S 3.68
P/FCF 19.15
P/OCF 17.02
P/B 17.28
P/tB N/A
EV/EBITDA 15.15
EPS(TTM)1.97
EY4.77%
EPS(NY)2.44
Fwd EY5.91%
FCF(TTM)2.16
FCFY5.22%
OCF(TTM)2.43
OCFY5.87%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)0.88
PEG (5Y)N/A
Graham Number10.29
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 11.18%
ROCE 12.16%
ROIC 10.1%
ROICexc 10.4%
ROICexgc 110.81%
OM 22.14%
PM (TTM) 2.38%
GM N/A
FCFM 19.2%
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%
ROICexgc growth 3Y9.66%
ROICexgc 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 Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 5.31
Debt/FCF 5.96
Debt/EBITDA 3.59
Cap/Depr 25.62%
Cap/Sales 2.4%
Interest Coverage 3.51
Cash Conversion 68.59%
Profit Quality 807.06%
Current Ratio 1
Quick Ratio 1
Altman-Z 1.25
F-Score3
WACC7.87%
ROIC/WACC1.28
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)10.06%
EPS 3Y19.65%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y23.84%
EPS Next 2Y22.6%
EPS Next 3Y24.64%
EPS Next 5Y20.17%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%
Revenue Next Year13.79%
Revenue Next 2Y13.55%
Revenue Next 3Y12.09%
Revenue Next 5Y14.67%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year48.93%
EBIT Next 3Y25.89%
EBIT Next 5Y23%
FCF growth 1Y39.48%
FCF growth 3YN/A
FCF growth 5Y27.04%
OCF growth 1Y47.21%
OCF growth 3Y23.48%
OCF growth 5Y28.06%

RYAN SPECIALTY HOLDINGS INC / RYAN FAQ

What is the fundamental rating for RYAN stock?

ChartMill assigns a fundamental rating of 3 / 10 to RYAN.


What is the valuation status for RYAN stock?

ChartMill assigns a valuation rating of 3 / 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 23.84% in the next year.