# Ryan Specialty Holdings Inc. (RYAN) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $41.91, market value $10.7 billion.

## Valuation
- **P/E (trailing): 56.6×**. Ryan Specialty Holdings Inc. trades at 56.6× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 17.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 3.4×**. Each dollar of revenue is priced at 3.4×.
- **Price / book: 10.0×**. The shares trade at 10.0× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 5.2%**. Free cash flow equals 5.2% of the market value. Above 5% is generally attractive.
- **Earnings yield: 1.8%**. The inverse of the P/E: 1.8% of the price is earned each year.

## Profitability
- **Operating margin: 15.1%**. 15.1% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 2.1%**. 2.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.8%**. 9.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 9.8%**. Return on all capital, debt included, is 9.8%.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 21.9%** (3-yr 20.5%/yr, 5-yr 24.1%/yr). Revenue grew 21.9% over the last year, against 24.1% a year compounded over five years.
- **Free-cash-flow growth (3 yr): 25.0%/yr**. Free cash flow has compounded at 25.0% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $158 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.24%** ($0.50 per share, trailing). Ryan Specialty Holdings Inc. yields 1.24%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 98%** (12% of free cash flow). 98% of earnings goes out as dividends, leaving a thin cushion.

## Analyst view
- **Analyst consensus: buy** (16 analysts). 16 analysts cover Ryan Specialty Holdings Inc.; the consensus is buy, with an average price target of $50.84 (+21% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -23.0%** (YTD -18.2%, 3-mo 28.7%). The shares are down 23.0% over twelve months including dividends.
- **From 52-week high: -29.2%** (43.1% above the low). Trading 29% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 46**. An RSI of 46 is neutral.
- **Beta (1 yr): -0.28** (volatility 43%). Beta of -0.28 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RYAN · Page: https://foliofundamentals.com/stocks/ryan

Not investment advice.