RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
NYSE:RYAN - US78351F1075 - Common Stock
57.71 USD
-0.34 (-0.59%)
57.71 USD
0 (0%)
Overall RYAN gets a fundamental rating of 4 out of 10. We evaluated RYAN against 143 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
RYAN had positive earnings in the past year.
RYAN had a positive operating cash flow in the past year.
In the past 5 years RYAN has always been profitable.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.54%, RYAN is not doing good in the industry: 66.43% of the companies in the same industry are doing better.
RYAN has a Return On Equity of 9.41%. This is comparable to the rest of the industry: RYAN outperforms 45.45% of its industry peers.
The Return On Invested Capital of RYAN (9.94%) is better than 95.80% of its industry peers.
RYAN had an Average Return On Invested Capital over the past 3 years of 10.21%. This is significantly above the industry average of 4.11%.
| 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
With a Profit Margin value of 2.04%, RYAN is not doing good in the industry: 76.22% of the companies in the same industry are doing better.
RYAN's Profit Margin has declined in the last couple of years.
RYAN has a Operating Margin of 22.93%. This is amongst the best in the industry. RYAN outperforms 88.81% of its industry peers.
In the last couple of years the Operating Margin of RYAN has grown nicely.
| 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
Compared to 5 years ago, RYAN has more shares outstanding
The debt/assets ratio for RYAN is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.40, 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 1.40, RYAN belongs to the top of the industry, outperforming 83.22% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 6.81, RYAN is doing worse than 67.13% of the companies in the same industry.
RYAN has a Debt/Equity ratio of 5.59. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of RYAN (5.59) is worse than 95.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.21
WACC8.24%
2.3 Liquidity
A Current Ratio of 1.01 indicates that RYAN should not have too much problems paying its short term obligations.
The Current ratio of RYAN (1.01) is better than 79.02% of its industry peers.
RYAN has a Quick Ratio of 1.01. 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 Quick ratio of 1.01. This is in the better half of the industry: RYAN outperforms 79.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.38%, which is quite good.
RYAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.82% yearly.
Looking at the last year, RYAN shows a decrease in Revenue. The Revenue has decreased by -0.73% in the last year.
The Revenue has been growing by 26.88% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 20.72% on average over the next years. This is a very strong growth
RYAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.21% yearly.
EPS Next Y17.39%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
EPS Next 5Y20.72%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y17.66%
Revenue Next 5Y16.21%
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 accelerating.
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
The Price/Earnings ratio is 30.21, which means the current valuation is very expensive for RYAN.
78.32% 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 27.08. RYAN is around the same levels.
The Price/Forward Earnings ratio is 22.31, which indicates a rather expensive current valuation of RYAN.
RYAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 74.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.67. RYAN is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.21 | ||
| Fwd PE | 22.31 |
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 65.03% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 68.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.85 | ||
| EV/EBITDA | 20.8 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 19.86% in the coming years.
PEG (NY)1.74
PEG (5Y)N/A
EPS Next 2Y20.21%
EPS Next 3Y19.86%
5. Dividend
5.1 Amount
With a yearly dividend of 0.79%, RYAN is not a good candidate for dividend investing.
RYAN's Dividend Yield is slightly below the industry average, which is at 3.52.
With a Dividend Yield of 0.79, RYAN pays less dividend than the S&P500 average, which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.79% |
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
RYAN pays out 100.59% of its income as dividend. This is not a sustainable payout ratio.
DP100.59%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
57.71
-0.34 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners85.96%
Inst Owner Change3.76%
Ins Owners13.69%
Ins Owner Change-3.89%
Market Cap15.22B
Analysts77
Price Target75.76 (31.28%)
Short Float %4.69%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.79% |
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)-6.77%
PT rev (3m)-2.76%
EPS NQ rev (1m)-1.58%
EPS NQ rev (3m)-2.96%
EPS NY rev (1m)-1.65%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.21 | ||
| Fwd PE | 22.31 | ||
| P/S | 5.41 | ||
| P/FCF | 29.85 | ||
| P/OCF | 26.64 | ||
| P/B | 24.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.8 |
EPS(TTM)1.91
EY3.31%
EPS(NY)2.59
Fwd EY4.48%
FCF(TTM)1.93
FCFY3.35%
OCF(TTM)2.17
OCFY3.75%
SpS10.67
BVpS2.31
TBVpS-15.59
PEG (NY)1.74
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 | 1.4 |
F-Score3
WACC8.24%
ROIC/WACC1.21
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 Y17.39%
EPS Next 2Y20.21%
EPS Next 3Y19.86%
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 Year51.74%
EBIT Next 3Y28.48%
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%