Is RYAN a good stock to buy right now?

Based on our 6-factor quantitative model, RYAN SPECIALTY HOLDINGS, INC. (RYAN) receives a "Reduce" rating with a composite score of 45.6/100. It is ranked #2,132 out of 4,446 stocks. Key factor scores: Quality 66/100, Value 64/100, Momentum 16/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for RYAN?

RYAN SPECIALTY HOLDINGS, INC. (RYAN) has a "Reduce" rating and 2-star score. The composite score of 45.6 ranks it #2,132 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is RYAN in?

RYAN SPECIALTY HOLDINGS, INC. operates in the Financials sector (Insurance industry) with a market cap of $4.25 billion. It is classified as a mid-cap stock.

Does RYAN pay a dividend?

Yes, RYAN pays a dividend with a current yield of 0.83%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $8.30 in annual dividend income.

What is RYAN's P/E ratio?

RYAN has a trailing P/E ratio of 20.46x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is RYAN?

RYAN's quality factor score is 66/100. Gross margin: 100.0%. ROE: 16.9% vs sector average 8.5%. High margins suggest pricing power and competitive moats.

How is RYAN valued compared to peers?

RYAN's value factor score is 64/100 (higher = cheaper). Key multiples: P/E 20.5x, EV/EBITDA 15.9x. The stock appears attractively valued versus peers.

What is RYAN's debt level?

RYAN's debt-to-equity ratio is 267%. Sector average: 121%. Elevated leverage increases credit risk.

RYAN has a beta of 0.37, meaning it is less volatile than the market. Stability score: 63/100.

Does RYAN have high short interest?

RYAN's short interest factor score is 29/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

RYAN Stock Analysis: Top Mid-Cap Reduce (Score 45.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
RYAN	-0.92%	+3.16%	-5.16%	-33.04%	-51.95%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.85%	-0.44%	-5.49%	-32.68%	-81.48%	-	-	-
Alpha vs Sector	+0.17%	+0.66%	-6.58%	-25.74%	-62.54%	-	-	-

Metric	RYAN	Benchmark
P/E Ratio	20.5x	+38%
EV/EBITDA	15.9x	+387%
Price / Book	3.5x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
RYAN RYAN SPECIALTY HOLDINGS, INC.	46	66	64	16	20.5x	16.9%	100.0%	6.7%	8.5%	267.0x	$4.2B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020
Gross Margin %	1.0%	-	-	-	-	-	1.0%
Operating Margin %	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%
EBITDA Margin %	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%
Net Margin %	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%
FCF Margin %	-26.4%	-	-	-	-	-	11.6%
ROE %	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	1.0%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	8.5%	7.7%	9.6%	8.2%	6.7%	9.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020
	$2.9B	$3.1B	$2.5B	$2.1B	$1.7B	$1.4B	$1.0B
	—	—	—	—	—	—	$1.0B
Gross Margin	100.0%	---	---	---	---	---	100.0%
	—	—	—	—	—	—	$73M
Total Operating Expenses	—	$2.6B	$2.1B	$1.7B	$1.4B	$1.2B	—
	$484M	$494M	$428M	$359M	$290M	$187M	$159M
EBIT	$484M	$494M	$428M	$359M	$290M	$187M	$159M
EBITDA	$484M	$494M	$428M	$359M	$290M	$187M	$199M
Operating Margin	16.3%	16.2%	17.0%	17.3%	16.8%	13.0%	15.6%
EBITDA Margin	16.7%	16.2%	17.0%	17.3%	16.8%	13.0%	19.5%
	—	—	—	$120M	$105M	$79M	$47M
	—	$293M	$273M	$238M	$179M	$62M	—
Income Tax Expense	—	$79M	$43M	$43M	$16M	$5M	$9M
	$212M	$214M	$230M	$194M	$163M	$57M	$71M
Net Margin	6.7%	7.0%	9.1%	9.4%	9.5%	4.0%	6.9%
	-	-	-	-	-	-	$0.00
Diluted EPS	-	-	-	-	-	-	$0.00

RYAN SPECIALTY HOLDINGS, INC. (RYAN) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does RYAN SPECIALTY HOLDINGS, INC. Do?

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. RYAN SPECIALTY HOLDINGS, INC. (RYAN) is classified as a mid-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Patrick G. Ryan and employs approximately 3,850 people. With a market capitalization of $4.2B, RYAN is one of the notable companies in the Financials sector.

RYAN SPECIALTY HOLDINGS, INC. (RYAN) Stock Rating — Reduce (April 2026)

As of April 2026, RYAN SPECIALTY HOLDINGS, INC. receives a Reduce rating with a composite score of 45.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.RYAN ranks #2,132 out of 4,446 stocks in our coverage universe. Within the Financials sector, RYAN SPECIALTY HOLDINGS, INC. ranks #592 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

RYAN Stock Price and 52-Week Range

RYAN SPECIALTY HOLDINGS, INC. (RYAN) currently trades at $34.57. The stock lost $0.32 (0.9%) in the most recent trading session. The 52-week high for RYAN is $77.16, which means the stock is currently trading -55.2% from its annual peak. The 52-week low is $33.94, putting the stock 1.9% above its annual trough. Recent trading volume was 2.1M shares, reflecting moderate market activity.

Is RYAN Overvalued or Undervalued? — Valuation Analysis

RYAN SPECIALTY HOLDINGS, INC. (RYAN) carries a value factor score of 64/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 20.46x, compared to the Financials sector average of 14.88x — a premium of 38%. The price-to-book ratio stands at 3.45x, versus the sector average of 1.22x. The price-to-sales ratio is 1.49x, compared to 0.90x for the average Financials stock. On an enterprise value basis, RYAN trades at 15.87x EV/EBITDA, versus 3.26x for the sector.

Overall, RYAN's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

RYAN SPECIALTY HOLDINGS, INC. Profitability — ROE, Margins, and Quality Score

RYAN SPECIALTY HOLDINGS, INC. (RYAN) earns a quality factor score of 66/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 16.9%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 2.0% versus the sector average of 1.2%.

On a margin basis, RYAN SPECIALTY HOLDINGS, INC. reports gross margins of 100.0%. The operating margin is 16.3% (sector: 21.8%). Net profit margin stands at 6.7%, versus 17.7% for the average Financials stock. Revenue growth is running at 8.5% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

RYAN Debt, Balance Sheet, and Financial Health

RYAN SPECIALTY HOLDINGS, INC. has a debt-to-equity ratio of 267.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 0.98x, which may signal near-term liquidity tightness. Total debt on the balance sheet is $3.35B. Cash and equivalents stand at $153M.

RYAN has a beta of 0.37, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for RYAN SPECIALTY HOLDINGS, INC. is 63/100, reflecting average volatility within the normal range for its sector.

RYAN SPECIALTY HOLDINGS, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, RYAN SPECIALTY HOLDINGS, INC. reported revenue of $2.90B. Net income for the quarter was $212M. Gross margin was 100.0%. Operating income came in at $484M.

In FY 2025, RYAN SPECIALTY HOLDINGS, INC. reported revenue of $3.05B. Net income for the quarter was $214M. Revenue grew 21.3% year-over-year compared to FY 2024. Operating income came in at $494M.

In Q3 2025, RYAN SPECIALTY HOLDINGS, INC. reported revenue of $755M. Net income for the quarter was $63M. Revenue grew 24.8% year-over-year compared to Q3 2024. Operating income came in at $111M.

In Q2 2025, RYAN SPECIALTY HOLDINGS, INC. reported revenue of $855M. Net income for the quarter was $125M. Revenue grew 23.0% year-over-year compared to Q2 2024. Operating income came in at $191M.

Over the past 8 quarters, RYAN SPECIALTY HOLDINGS, INC. has demonstrated a growth trajectory, with revenue expanding from $695M to $2.90B. Investors analyzing RYAN stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

RYAN Dividend Yield and Income Analysis

RYAN SPECIALTY HOLDINGS, INC. (RYAN) currently pays a dividend yield of 0.8%. At this yield, a $10,000 investment in RYAN stock would generate approximately $$83.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning RYAN yields less than the typical sector peer. The net margin of 6.7% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

RYAN Momentum and Technical Analysis Profile

RYAN SPECIALTY HOLDINGS, INC. (RYAN) has a momentum factor score of 16/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 29/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

RYAN vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, RYAN SPECIALTY HOLDINGS, INC. (RYAN) ranks #592 out of 891 stocks based on the Blank Capital composite score. This places RYAN in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing RYAN against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RYAN vs S&P 500 (SPY) comparison to assess how RYAN SPECIALTY HOLDINGS, INC. stacks up against the broader market across all factor dimensions.

RYAN Next Earnings Date

No upcoming earnings date has been announced for RYAN SPECIALTY HOLDINGS, INC. (RYAN) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy RYAN? — Investment Thesis Summary

The quantitative profile for RYAN SPECIALTY HOLDINGS, INC. suggests caution. The quality score of 66/100 indicates above-average profitability and business fundamentals. The value score of 64/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 16/100, a headwind for near-term performance. Low volatility (stability score 63/100) reduces downside risk.

In summary, RYAN SPECIALTY HOLDINGS, INC. (RYAN) earns a Reduce rating with a composite score of 45.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RYAN stock.

Related Resources for RYAN Investors

Explore more research and tools: RYAN vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RYAN head-to-head with peers: RYAN vs WTM, RYAN vs OPY, RYAN vs ACT.

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