(RYAN) Ryan Specialty Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US78351F1075
Stock: Specialty Insurance, Wholesale Brokerage, Managing Underwriting, Risk Management
Total Rating 26
Risk 60
Buy Signal -1.13
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.76% |
| Yield on Cost 5y | 1.78% |
| Yield CAGR 5y | -14.29% |
| Payout Consistency | 93.8% |
| Payout Ratio | 24.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.7% |
| Relative Tail Risk | -5.97% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.96 |
| Alpha | -36.43 |
| Character TTM | |
|---|---|
| Beta | 0.426 |
| Beta Downside | 0.482 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.29% |
| CAGR/Max DD | 0.11 |
Description: RYAN Ryan Specialty Holdings January 02, 2026
Ryan Specialty Group Holdings Inc. (NYSE:RYAN) is a Chicago-based wholesale broker and managing underwriter that delivers specialty insurance products and risk-management services to brokers, agents, and carriers across North America, Europe, and Asia-Pacific. Founded in 2010, the firm focuses on commercial, industrial, institutional, and government clients, handling distribution, underwriting, product development, administration, and claims management.
Key metrics from the most recent fiscal year show FY2023 revenue of roughly $1.5 billion, a combined ratio of 92.5 % (indicating underwriting profitability), and a 12 % year-over-year increase in net income driven by growth in cyber-risk and construction-related lines. The specialty broker sector is currently being shaped by rising commercial insurance demand, tighter capacity in traditional markets, and heightened regulatory scrutiny on pricing and reserving practices.
For a deeper quantitative view, you might explore ValueRay’s analytics platform to assess how Ryan’s valuation compares to sector peers.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 69.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: -0.34% < 20% (prev 2.24%; Δ -2.58% < -1%) |
| CFO/TA 0.06 > 3% & CFO 640.1m > Net Income 69.2m |
| Net Debt (3.42b) to EBITDA (851.9m): 4.02 < 3 |
| Current Ratio: 1.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (273.5m) vs 12m ago 0.28% < -2% |
| Gross Margin: 42.67% > 18% (prev 0.39%; Δ 4227 % > 0.5%) |
| Asset Turnover: 32.33% > 50% (prev 28.13%; Δ 4.20% > 0%) |
| Interest Coverage Ratio: 2.64 > 6 (EBITDA TTM 851.9m / Interest Expense TTM 217.7m) |
Altman Z'' 0.47
| A: -0.00 (Total Current Assets 4.45b - Total Current Liabilities 4.46b) / Total Assets 9.85b |
| B: 0.01 (Retained Earnings 128.8m / Total Assets 9.85b) |
| C: 0.06 (EBIT TTM 574.8m / Avg Total Assets 9.17b) |
| D: 0.02 (Book Value of Equity 140.2m / Total Liabilities 8.62b) |
| Altman-Z'' Score: 0.47 = B |
Beneish M -2.91
| DSRI: 1.06 (Receivables 439.8m/334.6m, Revenue 2.96b/2.39b) |
| GMI: 0.92 (GM 42.67% / 39.18%) |
| AQI: 1.04 (AQ_t 0.53 / AQ_t-1 0.51) |
| SGI: 1.24 (Revenue 2.96b / 2.39b) |
| TATA: -0.06 (NI 69.2m - CFO 640.1m) / TA 9.85b) |
| Beneish M-Score: -2.91 (Cap -4..+1) = A |
What is the price of RYAN shares?
As of January 30, 2026, the stock is trading at USD 47.30 with a total of 1,044,783 shares traded.
Over the past week, the price has changed by -6.15%, over one month by -8.76%, over three months by -6.83% and over the past year by -27.67%.
Over the past week, the price has changed by -6.15%, over one month by -8.76%, over three months by -6.83% and over the past year by -27.67%.
Is RYAN a buy, sell or hold?
Ryan Specialty Holdings has received a consensus analysts rating of 3.92.
Therefore, it is recommended to buy RYAN.
- StrongBuy: 4
- Buy: 5
- Hold: 3
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the RYAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 64.3 | 36% |
| Analysts Target Price | 64.3 | 36% |
| ValueRay Target Price | 44.1 | -6.7% |
RYAN Fundamental Data Overview January 27, 2026
P/E Trailing = 94.3396
P/E Forward = 21.2314
P/S = 4.55
P/B = 10.2127
Revenue TTM = 2.96b USD
EBIT TTM = 574.8m USD
EBITDA TTM = 851.9m USD
Long Term Debt = 3.35b USD (from longTermDebt, last quarter)
Short Term Debt = 66.4m USD (from shortTermDebt, last quarter)
Debt = 3.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.42b USD (from netDebt column, last quarter)
Enterprise Value = 16.64b USD (13.22b + Debt 3.58b - CCE 153.5m)
Interest Coverage Ratio = 2.64 (Ebit TTM 574.8m / Interest Expense TTM 217.7m)
EV/FCF = 29.09x (Enterprise Value 16.64b / FCF TTM 572.1m)
FCF Yield = 3.44% (FCF TTM 572.1m / Enterprise Value 16.64b)
FCF Margin = 19.30% (FCF TTM 572.1m / Revenue TTM 2.96b)
Net Margin = 2.33% (Net Income TTM 69.2m / Revenue TTM 2.96b)
Gross Margin = 42.67% ((Revenue TTM 2.96b - Cost of Revenue TTM 1.70b) / Revenue TTM)
Gross Margin QoQ = 47.57% (prev 43.25%)
Tobins Q-Ratio = 1.69 (Enterprise Value 16.64b / Total Assets 9.85b)
Interest Expense / Debt = 1.58% (Interest Expense 56.3m / Debt 3.58b)
Taxrate = 15.64% (42.6m / 272.6m)
NOPAT = 484.9m (EBIT 574.8m * (1 - 15.64%))
Current Ratio = 1.00 (Total Current Assets 4.45b / Total Current Liabilities 4.46b)
Debt / Equity = 5.67 (Debt 3.58b / totalStockholderEquity, last quarter 630.5m)
Debt / EBITDA = 4.02 (Net Debt 3.42b / EBITDA 851.9m)
Debt / FCF = 5.98 (Net Debt 3.42b / FCF TTM 572.1m)
Total Stockholder Equity = 602.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 69.2m / Total Assets 9.85b)
RoE = 11.48% (Net Income TTM 69.2m / Total Stockholder Equity 602.7m)
RoCE = 14.54% (EBIT 574.8m / Capital Employed (Equity 602.7m + L.T.Debt 3.35b))
RoIC = 11.94% (NOPAT 484.9m / Invested Capital 4.06b)
WACC = 6.18% (E(13.22b)/V(16.80b) * Re(7.49%) + D(3.58b)/V(16.80b) * Rd(1.58%) * (1-Tc(0.16)))
Discount Rate = 7.49% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 50.45%
[DCF Debug] Terminal Value 86.98% ; FCFF base≈518.7m ; Y1≈610.3m ; Y5≈931.9m
Fair Price DCF = 166.9 (EV 24.91b - Net Debt 3.42b = Equity 21.49b / Shares 128.8m; r=6.18% [WACC]; 5y FCF grow 18.81% → 2.90% )
EPS Correlation: 21.03 | EPS CAGR: -41.54% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.98 | Revenue CAGR: 20.20% | SUE: 2.51 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.47 | Chg30d=-0.003 | Revisions Net=-2 | Analysts=15
EPS next Year (2026-12-31): EPS=2.39 | Chg30d=-0.030 | Revisions Net=-8 | Growth EPS=+18.6% | Growth Revenue=+16.2%
P/E Forward = 21.2314
P/S = 4.55
P/B = 10.2127
Revenue TTM = 2.96b USD
EBIT TTM = 574.8m USD
EBITDA TTM = 851.9m USD
Long Term Debt = 3.35b USD (from longTermDebt, last quarter)
Short Term Debt = 66.4m USD (from shortTermDebt, last quarter)
Debt = 3.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.42b USD (from netDebt column, last quarter)
Enterprise Value = 16.64b USD (13.22b + Debt 3.58b - CCE 153.5m)
Interest Coverage Ratio = 2.64 (Ebit TTM 574.8m / Interest Expense TTM 217.7m)
EV/FCF = 29.09x (Enterprise Value 16.64b / FCF TTM 572.1m)
FCF Yield = 3.44% (FCF TTM 572.1m / Enterprise Value 16.64b)
FCF Margin = 19.30% (FCF TTM 572.1m / Revenue TTM 2.96b)
Net Margin = 2.33% (Net Income TTM 69.2m / Revenue TTM 2.96b)
Gross Margin = 42.67% ((Revenue TTM 2.96b - Cost of Revenue TTM 1.70b) / Revenue TTM)
Gross Margin QoQ = 47.57% (prev 43.25%)
Tobins Q-Ratio = 1.69 (Enterprise Value 16.64b / Total Assets 9.85b)
Interest Expense / Debt = 1.58% (Interest Expense 56.3m / Debt 3.58b)
Taxrate = 15.64% (42.6m / 272.6m)
NOPAT = 484.9m (EBIT 574.8m * (1 - 15.64%))
Current Ratio = 1.00 (Total Current Assets 4.45b / Total Current Liabilities 4.46b)
Debt / Equity = 5.67 (Debt 3.58b / totalStockholderEquity, last quarter 630.5m)
Debt / EBITDA = 4.02 (Net Debt 3.42b / EBITDA 851.9m)
Debt / FCF = 5.98 (Net Debt 3.42b / FCF TTM 572.1m)
Total Stockholder Equity = 602.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 69.2m / Total Assets 9.85b)
RoE = 11.48% (Net Income TTM 69.2m / Total Stockholder Equity 602.7m)
RoCE = 14.54% (EBIT 574.8m / Capital Employed (Equity 602.7m + L.T.Debt 3.35b))
RoIC = 11.94% (NOPAT 484.9m / Invested Capital 4.06b)
WACC = 6.18% (E(13.22b)/V(16.80b) * Re(7.49%) + D(3.58b)/V(16.80b) * Rd(1.58%) * (1-Tc(0.16)))
Discount Rate = 7.49% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 50.45%
[DCF Debug] Terminal Value 86.98% ; FCFF base≈518.7m ; Y1≈610.3m ; Y5≈931.9m
Fair Price DCF = 166.9 (EV 24.91b - Net Debt 3.42b = Equity 21.49b / Shares 128.8m; r=6.18% [WACC]; 5y FCF grow 18.81% → 2.90% )
EPS Correlation: 21.03 | EPS CAGR: -41.54% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.98 | Revenue CAGR: 20.20% | SUE: 2.51 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.47 | Chg30d=-0.003 | Revisions Net=-2 | Analysts=15
EPS next Year (2026-12-31): EPS=2.39 | Chg30d=-0.030 | Revisions Net=-8 | Growth EPS=+18.6% | Growth Revenue=+16.2%