RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
51.85 USD
+0.13 (+0.25%)
51.85 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RYAN. RYAN was compared to 148 industry peers in the Insurance industry. There are concerns on the financial health of RYAN while its profitability can be described as average. RYAN is quite expensive at the moment. It does show a decent growth rate.
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.
In the past 5 years RYAN always reported a positive cash flow from operatings.
1.2 Ratios
RYAN has a Return On Assets of 0.72%. This is in the lower half of the industry: RYAN underperforms 66.89% of its industry peers.
The Return On Equity of RYAN (11.18%) 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 93.24% 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 below the industry average of 14.88%.
| Industry Rank | Sector 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%
1.3 Margins
RYAN has a worse Profit Margin (2.38%) than 79.73% 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 79.05% of the companies in the same industry.
In the last couple of years the Operating Margin of RYAN has grown nicely.
| Industry Rank | Sector 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
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.
The number of shares outstanding for RYAN has been increased compared to 1 year ago.
Compared to 5 years ago, RYAN has more shares outstanding
RYAN has a worse debt/assets ratio than last year.
2.2 Solvency
RYAN has an Altman-Z score of 1.43. This is a bad value and indicates that RYAN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.43, RYAN belongs to the top of the industry, outperforming 83.11% of the companies in the same industry.
RYAN has a debt to FCF ratio of 5.96. This is a neutral value as RYAN would need 5.96 years to pay back of all of its debts.
With a Debt to FCF ratio value of 5.96, RYAN is not doing good in the industry: 65.54% of the companies in the same industry are doing better.
RYAN has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.31, RYAN is not doing good in the industry: 95.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.25
WACC8.07%
2.3 Liquidity
RYAN has a Current 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.
The Current ratio of RYAN (1.00) is better than 78.38% of its industry peers.
A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
RYAN has a better Quick ratio (1.00) than 78.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
RYAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.57%, 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 small growth in Revenue. The Revenue has grown by 0.90% 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)16.57%
EPS 3Y4.83%
EPS 5Y-11.82%
EPS Q2Q%14.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
3.2 Future
RYAN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.63% yearly.
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
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 26.32, which means the current valuation is very expensive for RYAN.
RYAN's Price/Earnings ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 75.68% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. RYAN is around the same levels.
The Price/Forward Earnings ratio is 20.91, which indicates a rather expensive current valuation of RYAN.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 73.65% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of RYAN to the average of the S&P500 Index (24.03), we can say RYAN is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 20.91 |
4.2 Price Multiples
RYAN's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. RYAN is more expensive than 66.22% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than the industry average as 67.57% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.04 | ||
| EV/EBITDA | 18.13 |
4.3 Compensation for Growth
RYAN's 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 18.24% in the coming years.
PEG (NY)1.77
PEG (5Y)N/A
EPS Next 2Y17.69%
EPS Next 3Y18.24%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.89%, which is pretty low.
RYAN's Dividend Yield is comparable with the industry average which is at 2.30.
Compared to an average S&P500 Dividend Yield of 1.88, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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
85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
51.85
+0.13 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.1%
Inst Owner Change-0.53%
Ins Owners13.46%
Ins Owner Change0.37%
Market Cap13.68B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80
Price TargetN/A
Short Float %7.49%
Short Ratio5.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend0.31
Dividend Growth(5Y)N/A
DP85.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-7.9%
PT rev (3m)-10.72%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 20.91 | ||
| P/S | 4.62 | ||
| P/FCF | 24.04 | ||
| P/OCF | 21.37 | ||
| P/B | 21.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.13 |
EPS(TTM)1.97
EY3.8%
EPS(NY)2.48
Fwd EY4.78%
FCF(TTM)2.16
FCFY4.16%
OCF(TTM)2.43
OCFY4.68%
SpS11.23
BVpS2.39
TBVpS-15.61
PEG (NY)1.77
PEG (5Y)N/A
Graham Number10.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.43 |
F-Score3
WACC8.07%
ROIC/WACC1.25
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 Y14.88%
EPS Next 2Y17.69%
EPS Next 3Y18.24%
EPS Next 5Y19.63%
Revenue 1Y (TTM)0.9%
Revenue growth 3Y20.64%
Revenue growth 5Y26.88%
Sales Q2Q%24.79%
Revenue Next Year22.53%
Revenue Next 2Y19.56%
Revenue Next 3Y18.01%
Revenue Next 5Y16.21%
EBIT growth 1Y-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year49.07%
EBIT Next 3Y26.17%
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.
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 4 / 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 26.32 and the Price/Book (PB) ratio is 21.7.
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 85.88%.