Overview Dividends

(RYAN) Ryan Specialty Holdings - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US78351F1075

Wholesale Brokerage, Managing Underwriting, Product Development, Risk Management

RYAN EPS (Earnings per Share)

EPS Growth (3Y CAGR): 22.33%
EPS Trend (3Y Correlation): 72.5%

RYAN Revenue

Revenue Growth (3Y CAGR): 22.17%
Revenue Trend (3Y Correlation): 90.8%

Description: RYAN Ryan Specialty Holdings October 30, 2025

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 across North America, Europe, and Asia-Pacific. Founded in 2010, the firm supports commercial, industrial, institutional, and government clients through distribution, underwriting, product development, and administrative capabilities.

Key performance indicators from the latest fiscal year show revenue of $1.3 billion, a 9 % YoY increase driven by higher premium volume in cyber and professional liability lines, and an underwriting profit margin of 4.2 %. The specialty broker sector remains sensitive to macro-economic factors such as corporate capital spending trends and the broader underwriting cycle, where rising interest rates have pressured investment income but also heightened demand for tailored risk solutions.

For a deeper, data-driven dive into Ryan’s financial health and peer benchmarks, the ValueRay platform offers granular metrics and scenario analysis that can help you assess the company’s risk-adjusted upside.

RYAN Stock Overview

Market Cap in USD	14,623m
Sub-Industry	Insurance Brokers
IPO / Inception	2021-07-22

RYAN Stock Ratings

Growth Rating	27.3%
Fundamental	70.1%
Dividend Rating	22.6%
Return 12m vs S&P 500	-27.9%
Analyst Rating	3.92 of 5

RYAN Dividends

Dividend Yield 12m	0.81%
Yield on Cost 5y	1.73%
Annual Growth 5y	0.00%
Payout Consistency	100.0%
Payout Ratio	24.4%

RYAN Growth Ratios

Growth Correlation 3m	-45%
Growth Correlation 12m	-68.3%
Growth Correlation 5y	91.3%
CAGR 5y	20.19%
CAGR/Max DD 3y (Calmar Ratio)	0.61
CAGR/Mean DD 3y (Pain Ratio)	2.47
Sharpe Ratio 12m	-0.13
Alpha	-28.13
Beta	0.621
Volatility	36.99%
Current Volume	2092.1k
Average Volume 20d	1577.4k
Stop Loss	56.2 (-3.2%)
Signal	0.84

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (69.2m TTM) > 0 and > 6% of Revenue (6% = 176.2m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 0.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -0.34% (prev 1.32%; Δ -1.66pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 640.1m > Net Income 69.2m (YES >=105%, WARN >=100%)

Net Debt (3.42b) to EBITDA (851.9m) ratio: 4.02 <= 3.0 (WARN <= 3.5)

Current Ratio 1.00 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (273.5m) change vs 12m ago 0.28% (target <= -2.0% for YES)

Gross Margin 39.58% (prev 50.60%; Δ -11.02pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 32.04% (prev 28.55%; Δ 3.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.64 (EBITDA TTM 851.9m / Interest Expense TTM 217.7m) >= 6 (WARN >= 3)

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 (Balance) 128.8m / Total Assets 9.85b

(D) 0.02 = Book Value of Equity 140.2m / Total Liabilities 8.62b

Total Rating: 0.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 70.07

1. Piotroski 2.50pt = -2.50

2. FCF Yield 3.17% = 1.59

3. FCF Margin 19.48% = 4.87

4. Debt/Equity 5.67 = -2.50

5. Debt/Ebitda 4.02 = -2.50

6. ROIC - WACC (= 7.77)% = 9.72

7. RoE 11.48% = 0.96

8. Rev. Trend 90.85% = 6.81

9. EPS Trend 72.49% = 3.62

What is the price of RYAN shares?

As of November 08, 2025, the stock is trading at USD 58.06 with a total of 2,092,100 shares traded.
Over the past week, the price has changed by +5.95%, over one month by -0.26%, over three months by -2.30% and over the past year by -17.81%.

Is Ryan Specialty Holdings a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Ryan Specialty Holdings (NYSE:RYAN) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 70.07 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RYAN is around 57.34 USD . This means that RYAN is currently overvalued and has a potential downside of -1.24%.

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.

Strong Buy: 4
Buy: 5
Hold: 3
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the RYAN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	68.3	17.7%
Analysts Target Price	68.3	17.7%
ValueRay Target Price	63.1	8.6%

RYAN Fundamental Data Overview November 07, 2025

Market Cap USD = 14.62b (14.62b USD * 1.0 USD.USD)
P/E Trailing = 104.566
P/E Forward = 22.1239
P/S = 5.0365
P/B = 11.7255
Beta = 0.621
Revenue TTM = 2.94b USD
EBIT TTM = 574.8m USD
EBITDA TTM = 851.9m USD
Long Term Debt = 3.23b USD (from longTermDebt, last fiscal year)
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 = 18.04b USD (14.62b + Debt 3.58b - CCE 153.5m)
Interest Coverage Ratio = 2.64 (Ebit TTM 574.8m / Interest Expense TTM 217.7m)
FCF Yield = 3.17% (FCF TTM 572.1m / Enterprise Value 18.04b)
FCF Margin = 19.48% (FCF TTM 572.1m / Revenue TTM 2.94b)
Net Margin = 2.36% (Net Income TTM 69.2m / Revenue TTM 2.94b)
Gross Margin = 39.58% ((Revenue TTM 2.94b - Cost of Revenue TTM 1.77b) / Revenue TTM)
Gross Margin QoQ = 41.63% (prev 43.25%)
Tobins Q-Ratio = 1.83 (Enterprise Value 18.04b / Total Assets 9.85b)
Interest Expense / Debt = 1.58% (Interest Expense 56.3m / Debt 3.58b)
Taxrate = -4.68% (negative due to tax credits) (-2.80m / 59.8m)
NOPAT = 601.7m (EBIT 574.8m * (1 - -4.68%)) [negative tax rate / tax credits]
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 = 0.70% (Net Income 69.2m / Total Assets 9.85b)
RoE = 11.48% (Net Income TTM 69.2m / Total Stockholder Equity 602.7m)
RoCE = 14.99% (EBIT 574.8m / Capital Employed (Equity 602.7m + L.T.Debt 3.23b))
RoIC = 14.77% (NOPAT 601.7m / Invested Capital 4.07b)
WACC = 6.99% (E(14.62b)/V(18.20b) * Re(8.30%) + D(3.58b)/V(18.20b) * Rd(1.58%) * (1-Tc(-0.05)))
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 46.00%
[DCF Debug] Terminal Value 79.94% ; FCFE base≈518.7m ; Y1≈610.3m ; Y5≈933.6m
Fair Price DCF = 118.3 (DCF Value 15.23b / Shares Outstanding 128.8m; 5y FCF grow 18.81% → 3.0% )
EPS Correlation: 72.49 | EPS CAGR: 22.33% | SUE: -0.72 | # QB: 0
Revenue Correlation: 90.85 | Revenue CAGR: 22.17% | SUE: 2.60 | # QB: 2

Additional Sources for RYAN Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle