RYAN SPECIALTY HOLDINGS INC (RYAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RYAN - US78351F1075 - Common Stock
58.09 USD
-0.03 (-0.05%)
58.09 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RYAN. RYAN was compared to 147 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.
Each year in the past 5 years RYAN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RYAN (0.72%) is worse than 65.31% of its industry peers.
RYAN has a Return On Equity (11.18%) which is in line with its industry peers.
With an excellent Return On Invested Capital value of 10.10%, RYAN belongs to the best of the industry, outperforming 93.88% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for RYAN is significantly above the industry average of 4.52%.
| 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 80.95% of its industry peers.
RYAN's Profit Margin has declined in the last couple of years.
The Operating Margin of RYAN (22.14%) is better than 82.31% of its industry peers.
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
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
RYAN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RYAN has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.53, 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 1.53, RYAN belongs to the top of the industry, outperforming 83.67% 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.
RYAN's Debt to FCF ratio of 5.96 is on the low side compared to the rest of the industry. RYAN is outperformed by 65.99% 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.
RYAN has a worse Debt to Equity ratio (5.31) than 95.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 1.53 |
ROIC/WACC1.26
WACC8.02%
2.3 Liquidity
A Current Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 78.91% of the companies in the same industry.
A Quick Ratio of 1.00 indicates that RYAN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.00, RYAN is in the better half of the industry, outperforming 78.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
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.
The Revenue has been growing slightly by 0.90% in the past year.
Measured over the past years, RYAN shows a very strong growth in Revenue. The Revenue has been growing by 26.88% on average per year.
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
The Earnings Per Share is expected to grow by 19.63% on average over the next years. This is quite good.
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 Y15.16%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
EPS Next 5Y19.63%
Revenue Next Year22.34%
Revenue Next 2Y19.48%
Revenue Next 3Y17.81%
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
With a Price/Earnings ratio of 29.49, RYAN can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RYAN is valued expensively inside the industry as 80.27% of the companies are valued cheaper.
RYAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 23.24, the valuation of RYAN can be described as rather expensive.
Based on the Price/Forward Earnings ratio, RYAN is valued a bit more expensive than the industry average as 76.19% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, RYAN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.49 | ||
| Fwd PE | 23.24 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RYAN is valued a bit more expensive than 68.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RYAN is valued a bit more expensive than 70.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.92 | ||
| EV/EBITDA | 19.89 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
RYAN's earnings are expected to grow with 19.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.95
PEG (5Y)N/A
EPS Next 2Y18.18%
EPS Next 3Y19.2%
5. Dividend
5.1 Amount
RYAN has a yearly dividend return of 0.85%, which is pretty low.
RYAN's Dividend Yield is slightly below the industry average, which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.41, RYAN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
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
85.88% of the earnings are spent on dividend by RYAN. This is not a sustainable payout ratio.
DP85.88%
EPS Next 2Y18.18%
EPS Next 3Y19.2%
58.09
-0.03 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners79.39%
Inst Owner Change-0.54%
Ins Owners13.54%
Ins Owner Change2.29%
Market Cap15.32B
Revenue(TTM)2.96B
Net Income(TTM)70.51M
Analysts80.95
Price Target69.29 (19.28%)
Short Float %7.08%
Short Ratio4.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
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)-7.48%
PT rev (3m)-8.54%
EPS NQ rev (1m)-7.76%
EPS NQ rev (3m)-7.17%
EPS NY rev (1m)-1.27%
EPS NY rev (3m)-1.9%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.79%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.49 | ||
| Fwd PE | 23.24 | ||
| P/S | 5.17 | ||
| P/FCF | 26.92 | ||
| P/OCF | 23.93 | ||
| P/B | 24.3 | ||
| P/tB | N/A | ||
| EV/EBITDA | 19.89 |
EPS(TTM)1.97
EY3.39%
EPS(NY)2.5
Fwd EY4.3%
FCF(TTM)2.16
FCFY3.71%
OCF(TTM)2.43
OCFY4.18%
SpS11.24
BVpS2.39
TBVpS-15.62
PEG (NY)1.95
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 | 1.53 |
F-Score3
WACC8.02%
ROIC/WACC1.26
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 5Y19.63%
Revenue 1Y (TTM)0.9%
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-3.62%
EBIT growth 3Y28.81%
EBIT growth 5Y43.25%
EBIT Next Year51.88%
EBIT Next 3Y28.06%
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 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 29.49 and the Price/Book (PB) ratio is 24.3.
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%.