RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - NYSE:RYAN - US78351F1075 - Common Stock
53.975 USD
-0.82 (-1.51%)
We assign a fundamental rating of 4 out of 10 to RYAN. RYAN was compared to 146 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 valued quite expensive, but it does show an excellent growth.
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.
Each year in the past 5 years RYAN has been profitable.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.54%, RYAN is doing worse than 70.55% of the companies in the same industry.
RYAN has a Return On Equity of 9.41%. This is comparable to the rest of the industry: RYAN outperforms 45.21% of its industry peers.
The Return On Invested Capital of RYAN (9.94%) is better than 94.52% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for RYAN is significantly above the industry average of 4.50%.
| 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 79.45% 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 86.99% 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
RYAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for RYAN has been increased compared to 1 year ago.
RYAN has more shares outstanding than it did 5 years ago.
RYAN has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.35, 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 1.35, RYAN belongs to the top of the industry, outperforming 81.51% 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.
RYAN's Debt to FCF ratio of 6.81 is on the low side compared to the rest of the industry. RYAN is outperformed by 64.38% of its industry peers.
RYAN has a Debt/Equity ratio of 5.59. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.59, RYAN is doing worse than 95.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.59 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 1.35 |
ROIC/WACC1.23
WACC8.07%
2.3 Liquidity
RYAN has a Current 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.
Looking at the Current ratio, with a value of 1.01, RYAN is in the better half of the industry, outperforming 78.77% 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.
With a decent Quick ratio value of 1.01, RYAN is doing good in the industry, outperforming 78.77% of the companies in the same industry.
| 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 16.57% 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 -11.82% yearly.
RYAN shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.09%.
RYAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.88% yearly.
EPS 1Y (TTM)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
Revenue 1Y (TTM)21.09%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
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.
The Revenue is expected to grow by 16.21% on average over the next years. This is quite good.
EPS Next Y15.16%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
EPS Next 5Y20.72%
Revenue Next Year22.34%
Revenue Next 2Y19.48%
Revenue Next 3Y17.81%
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 27.40, RYAN can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RYAN is valued a bit more expensive than 79.45% of the companies in the same industry.
RYAN's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.11.
RYAN is valuated rather expensively with a Price/Forward Earnings ratio of 21.59.
74.66% of the companies in the same industry are cheaper than RYAN, based on the Price/Forward Earnings ratio.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.55, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.4 | ||
| Fwd PE | 21.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 67.12% of the companies 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 65.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.92 | ||
| EV/EBITDA | 19.94 |
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.
A more expensive valuation may be justified as RYAN's earnings are expected to grow with 19.20% in the coming years.
PEG (NY)1.81
PEG (5Y)N/A
EPS Next 2Y18.18%
EPS Next 3Y19.2%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.88%, which is pretty low.
RYAN's Dividend Yield is slightly below the industry average, which is at 3.27.
With a Dividend Yield of 0.88, RYAN pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.88% |
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
100.59% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP100.59%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
NYSE:RYAN (11/3/2025, 10:52:06 AM)
53.975
-0.82 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners79.39%
Inst Owner Change-1.62%
Ins Owners13.54%
Ins Owner Change-2.36%
Market Cap14.23B
Revenue(TTM)2.52B
Net Income(TTM)57.38M
Analysts80.95
Price Target73.44 (36.06%)
Short Float %7.15%
Short Ratio4.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.88% |
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)-3.06%
PT rev (3m)-9.62%
EPS NQ rev (1m)-2.85%
EPS NQ rev (3m)-4.8%
EPS NY rev (1m)-0.68%
EPS NY rev (3m)-2.28%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.4 | ||
| Fwd PE | 21.59 | ||
| P/S | 5.06 | ||
| P/FCF | 27.92 | ||
| P/OCF | 24.91 | ||
| P/B | 23.33 | ||
| P/tB | N/A | ||
| EV/EBITDA | 19.94 |
EPS(TTM)1.97
EY3.65%
EPS(NY)2.5
Fwd EY4.63%
FCF(TTM)1.93
FCFY3.58%
OCF(TTM)2.17
OCFY4.01%
SpS10.67
BVpS2.31
TBVpS-15.59
PEG (NY)1.81
PEG (5Y)N/A
Graham Number10.13
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%
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 Turnover0.26
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 | 1.35 |
F-Score3
WACC8.07%
ROIC/WACC1.23
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)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
EPS Next Y15.16%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
EPS Next 5Y20.72%
Revenue 1Y (TTM)21.09%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.34%
Revenue Next 2Y19.48%
Revenue Next 3Y17.81%
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%
RYAN SPECIALTY HOLDINGS INC / RYAN FAQ
What is the fundamental rating for RYAN stock?
ChartMill assigns a fundamental rating of 4 / 10 to RYAN.
Can you provide the valuation status for RYAN SPECIALTY HOLDINGS INC?
ChartMill assigns a valuation rating of 1 / 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 5 / 10.
What is the valuation of RYAN SPECIALTY HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RYAN SPECIALTY HOLDINGS INC (RYAN) is 27.4 and the Price/Book (PB) ratio is 23.33.
Is the dividend of RYAN SPECIALTY HOLDINGS INC sustainable?
The dividend rating of RYAN SPECIALTY HOLDINGS INC (RYAN) is 0 / 10 and the dividend payout ratio is 100.59%.