Ryan Specialty Holdings, Inc.
$30.86
-0.64%Ryan Specialty Group Holdings, Inc. operates as a service provider of specialty products and solutions for insurance brokers, agents, and carriers. It offers distribution, underwriting, product development, administration, and risk management services by acting as a wholesale broker and a managing underwriter. The company was founded in 2010 and is headquartered in Chicago, Illinois.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is elevated (P/E 61.7).
Valuation inputs: P/E 61.7, earnings yield +1.6%, momentum -0.6%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +9.8%, ROIC +4.3%).
Profitability stack: net margin +2.1%, ROE +9.8%, ROIC +4.3%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +88.1%, momentum -0.6%, net margin +2.1%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Ryan Specialty Holdings, Inc. Market vs Earnings Trajectory
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Ryan Specialty Holdings, Inc. Fair Value Envelope
Ryan Specialty Holdings, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Interest or tax burden: Strong operational performance but thin net margins indicate high interest expenses or unfavorable tax position eating into profits.
Ryan Specialty Holdings, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Ryan Specialty Holdings, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Positive working capital, but relatively tight. The company should monitor cash flow carefully.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Ryan Specialty Holdings, Inc. Street Expectations Map
Wall Street analysts project that RYAN stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 39.25, with estimates ranging from a low of 31.00 to a high of 45.00.
The consensus 1-year price target stands at 39.25, with estimates ranging from a low of 31.00 to a high of 45.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Ryan Specialty Holdings, Inc. Insider Positioning
During the last 12 months, insiders have purchased $14.41M and sold $233.83M worth of RYAN shares, resulting in $219.42M of net selling activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
1.5K
60.30K
129.6K
6.95M
-6.9M
-$6.89M
6-9 Months
276.6K
14.34M
4.1M
225.94M
-211.6M
-$211.60M
9-12 Months
100
5.55K
14.4K
946.60K
-941K
-$941K
Top Buyers
Ryan Patrick G
Director, 10 Percent Owner, Officer: Executive Chairman
$14.34M
Ryan Patrick G Jr
Director
$66K
Top Sellers
Onex Corp
Director
$225.94M
Turner Timothy William
Director, Officer: Chief Executive Officer
$6.95M
Katz Mark Stephen
Officer: Evp & General Counsel
$947K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $219.42M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Insider Participation
3 insider sellers vs. 2 buyers. More insiders selling than buying suggests cautious or negative sentiment.
ryan Dividend History
Learning Layer
Related Guides
Build conviction on RYAN by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.