RYAN
Ryan Specialty Holdings Inc
$40.83
▼ 2.7%Updated Today 3:42 PM ET
RYAN at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 43/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 38.9% over the last 12 months
Market Cap
$11.08B
P/E
104.04x
Forward P/E (est.)
74.31x
ROE
17.2%
Revenue Growth
18.9%
EPS Growth
161.7%
Profit Margin
3.4%
FCF Yield
4.6%
Debt / Equity
5.17x
ROIC
10.0%
Interest Coverage
4.13x
Current Ratio
1.02x
Dividend Yield
1.2%
Implied Growth (rev. DCF)
3.0%
Rating Score
43/100
Ryan Specialty Holdings Inc (RYAN) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $11.08B.
In its latest reported year it generated about $3.05B in revenue and $63.40M in net profit.
Our model rates RYAN Neutral (43/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (7 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
16.8% average over the last 3 years
±1.6 pts around 15.6% across 7 years
grew in 6 of the last 6 year-over-year periods
positive in 6 of 7 years
10.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what RYAN's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. RYAN trades near $40.83, around its 50-day average ($33.87) and 200-day average ($44.44). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 67 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. RYAN's is $1.73 (~4.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month RYAN found buyers near $31.17 (support) and sellers near $42.05 (resistance); its 52-week range is $29.28–$67.69. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.3× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
20.8%
Revenue moved from $765.11M in 2019 to $3.05B in 2025, a 25.9% compound annual growth rate. The most recent year grew a strong 18.9% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
16.2%
Net Margin
2.1%
ROE
17.2%
Ryan Specialty Holdings Inc keeps about 3.4% of each sales dollar as net profit. Return on equity is 17.2% and return on invested capital about 10.0%. Thin margins leave less cushion if costs rise.
Total Debt
$3.35B
Net Debt
$3.19B
Net Debt / EBITDA
6.47x
Debt / Equity
5.17x
Leverage: debt-to-equity is 5.2x, and operating profit covers interest about 4.1x, with a current ratio of 1.0x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $3.35B of total debt against $154.65M of cash.
Operating CF
$643.67M
Free Cash Flow
$640.65M
FCF Margin
21.0%
In the latest year Ryan Specialty Holdings Inc produced about $643.67M of operating cash flow and $640.65M of free cash flow after capital spending. That is a free-cash-flow yield of about 4.6% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
1.2%
Total paid (latest FY)
$62.34M
History on record
2 years
dividend uses 10% of free cash flow
98% of net income paid out
no current raise streak
payout was cut at least once in the last 2 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
104.04x
P/S
3.63x
P/B
21.45x
EV / EBITDA
—
RYAN trades at 104.0x trailing earnings (about 74.3x on estimated forward earnings), 3.6x sales, and 21.4x book value. Reverse-engineering today's price implies the market expects roughly 3.0% long-term free-cash-flow growth. That is a rich multiple that prices in a lot of future growth.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$227.99
Current price
$40.83
Starting FCF (latest 10-K)
$640.65M
Growth, years 1–5
18.9%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where RYAN sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How RYAN stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), RYAN ranks #126 of 289 by our overall rating. It trades at a premium versus the sector on earnings (104x P/E vs. 15.3x median) with a higher return on equity (17.2% vs. 13.6%) and faster revenue growth (18.9% vs. 15.9%).
P/E vs sector
104x
median 15.3x
ROE vs sector
17.2%
median 13.6%
Growth vs sector
18.9%
median 15.9%
Sector rank
#126
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $40.83 today · expected CAGR 4% – 15%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $3.63B | $4.32B | $5.14B | $6.12B | $7.28B |
| Net income | $108.93M | $129.62M | $154.25M | $183.56M | $218.43M |
| EPS | $0.40 | $0.48 | $0.57 | $0.68 | $0.80 |
| Share price (low) | $24.88 | $29.61 | $35.24 | $41.93 | $49.90 |
| Share price (high) | $41.74 | $49.67 | $59.11 | $70.34 | $83.70 |
| CAGR (low–high) | -39% / 2% | -15% / 10% | -5% / 13% | 1% / 15% | 4% / 15% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for RYAN:
- Revenue is growing 18.9% a year, a sign of real demand.
- Strong return on equity (17.2%) shows capital is put to work well.
- Healthy free-cash-flow yield (~4.6%) funds buybacks and dividends.
The case against RYAN:
- Thin net margins (3.4%) leave little room for error.
- Elevated leverage (debt/equity 5.2x) adds financial risk.
- A rich 104.0x earnings multiple prices in a lot of growth.
Valuation risk — at 104.0x earnings, disappointing results could compress the multiple.
Balance-sheet risk — debt/equity of 5.2x magnifies the impact of higher rates or weaker earnings.
Margin risk — thin profitability (3.4%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Ryan Specialty Holdings Inc is a large-cap financials business still growing nicely, with modest profitability, and a heavier debt load to watch. It trades at 104.0x earnings, which our model scores Neutral (43/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 26 Wall Street analysts covering RYAN recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-10 pts of buy ratings).
Latest SEC Filings
RYAN's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
RYAN — frequently asked questions
Is RYAN a good stock to buy?
We don't give buy or sell advice. Our model rates Ryan Specialty Holdings Inc Neutral (43/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is RYAN's rating on The Stocks School?
Ryan Specialty Holdings Inc currently scores 43/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does RYAN's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Ryan Specialty Holdings Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for RYAN calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this RYAN analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell RYAN. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.