Ryan Specialty Holdings Inc (RYAN)
OvervaluedFundamental
65
Price
$38.16
Market Cap
$9.77B
Part 1 · What the company is worth
Overview
Ryan Specialty Holdings, Inc. operates as a service provider of specialty products and solutions for insurance brokers, agents, and carriers in the United States, Canada, the United Kingdom, rest of Europe, India, Singapore, and internationally. The company offers distribution, underwriting, product development, administration, and risk management services by acting as a wholesale broker and a managing underwriter or a program administrator with delegated authority from insurance carriers. It serves commercial, industrial, institutional, individual, and government sectors. The company was founded in 2010 and is headquartered in Chicago, Illinois.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$3.16B
Trailing 12 months (through 6/30/2026)
Net Income
$99M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$641M
Total Equity
$648M
Total Liabilities
$9.31B
Current Ratio
1.00
Interest Coverage
-
Debt/EBITDA
4.19
Earnings Per Share
No EPS data available
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$23.92
Current Price
$38.16
Margin of Safety
-59.6%
Fair Value Range
$15.55 - $32.29
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
98.48
ROE
9.8%
P/B Ratio
8.87
P/FCF
8.14
Gross Margin
-
ROIC
7.1%
Profitability Radar
Value Creation (Economic Moat)
ROIC
7.1%
WACC
5.8%
ROIC − WACC
+1.4 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (14)
- ROIC 7.1%
- P/FCF 8.14
- Operating Margin 15.1%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
- ROE 16.3%
- Revenue Growth 5Y 24.5%
- Analyst Consensus 54% Buy
- Earnings Surprise avg 3.4%
- Earnings Quality (OCF/NI) 5.64
- Net Margin Trend 3.1% vs 2.0%
- Piotroski F-Score 5/9
Failed (6)
- Price CAGR -1.13%
- P/B Ratio 8.87
- Debt/Equity ratio
- Return on Tangible Assets
- Low reliance on intangibles
- DCF valuation (Unknown)
Unavailable (7)
- EPS data insufficient
- Gross Margin NaN%
- Dividend Payout NaN%
- Interest Coverage
- Price below Graham Number
- PEG Ratio (need PE > 0 and growth > 0)
- Share Dilution (missing shares data)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Patrick G. Ryan | Founder & Executive Chairman | 87 |
| Mr. Timothy William Turner | CEO & Director | 64 |
| Mr. Stephen P. Keogh | Co-President & COO | 57 |
| Ms. Janice M. Hamilton | Executive VP & CFO | 42 |
| Mr. Benjamin Miles Wuller | Chief Executive officer of RSG Underwriting Managers | 48 |
| Ms. Amber Carver | President | - |
| Mr. Brendan Martin Mulshine | Co-President | 59 |
| Mr. Bradley Eames Bodell B.S. | Chief Information Officer | 59 |
| Mr. Nicholas J. Mezick C.F.A. | Vice President of Investor Relations | - |
| Mr. Michael Blackshear J.D. | Senior VP, Chief Compliance & Privacy Officer and Head of Culture & Inclusion | - |
Audit Risk
4
Board Risk
6
Compensation Risk
6
Shareholder Rights Risk
10
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-13
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-31
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-07
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for RYAN, sourced from Markets Gazette.