Ryan Specialty Holdings, Inc.
RYAN
$41.58
+0.90%
Ryan Specialty Holdings Inc. is an international specialty insurance intermediary that provides wholesale brokerage and delegated underwriting authority services to insurance brokers, agents, and carriers. As a leading player in the specialty insurance market, the company differentiates itself through its expertise in complex, hard-to-place risks and its technology-enabled platform. The current investor narrative centers on the stock's significant decline from its 52-week high, driven by broader market headwinds and company-specific concerns, though recent price recovery and strong relative strength suggest a potential turnaround story.…
RYAN
Ryan Specialty Holdings, Inc.
$41.58
RYAN 12-Month Price Forecast
Wall Street consensus
Most Wall Street analysts maintain a constructive view on Ryan Specialty Holdings, Inc.'s 12-month outlook, with a consensus price target around $54.05 and implied upside of +30.0% versus the current price.
Average Target
$54.05
7 analysts
Implied Upside
+30.0%
vs. current price
Analyst Count
7
covering this stock
Price Range
$33 - $54
Analyst target range
The stock is covered by 7 analysts, with a consensus recommendation leaning bullish. The average estimated EPS is $2.65, with a range of $2.56 to $2.72. The average revenue estimate is $3.84 billion. Based on the current price of $42.03 and the average EPS estimate, the implied forward PE is 15.9x, which is below the forward PE of 17.90x, suggesting potential upside. The high EPS estimate of $2.72 implies a forward PE of 15.5x, while the low estimate of $2.56 implies a forward PE of 16.4x. The tight range of EPS estimates suggests strong analyst conviction. However, the lack of explicit price targets and buy/sell ratings limits the analysis. The limited coverage (7 analysts) is typical for a mid-cap stock, which can lead to higher volatility and less efficient price discovery.
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RYAN Technical Analysis
The stock is in a sustained downtrend over the past year, with a 1-year price change of -36.11%, significantly underperforming the S&P 500's +19.1% gain. Currently trading at $42.03, it sits at 62.1% of its 52-week range ($29.28 low to $67.695 high), indicating it is closer to the low end but has recovered from the lows. This positioning suggests the stock may be in a value zone, but the downtrend warrants caution. Short-term momentum has turned sharply positive, with 1-month and 3-month price changes of +30.16% and +25.43%, respectively, diverging from the negative 1-year trend. This divergence could signal a potential trend reversal or a bear market rally, especially given the stock's beta of 0.602, which implies lower volatility than the market. The 52-week low of $29.28 serves as key support, while the 52-week high of $67.695 is a major resistance level. A breakout above $67.695 would signal a strong reversal, while a breakdown below $29.28 could lead to further downside. The stock's low beta suggests it is less volatile than the market, which may appeal to risk-averse investors.
Beta
0.60
0.60x market volatility
Max Drawdown
-59.2%
Largest decline past year
52-Week Range
$29-$68
Price range past year
Annual Return
-37.4%
Cumulative gain past year
| Period | RYAN Return | S&P 500 |
|---|---|---|
| 1m | +27.7% | +1.4% |
| 3m | +19.1% | +10.6% |
| 6m | -17.3% | +8.4% |
| 1y | -37.4% | +20.5% |
| ytd | -17.8% | +9.7% |
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RYAN Fundamental Analysis
Revenue trajectory appears stable, with estimated annual revenue of $3.84 billion for the current fiscal year. The company has a high gross margin of 90.58%, indicating strong pricing power and cost efficiency. However, the net margin is only 2.08%, reflecting high operating expenses or interest costs. The company is profitable, with a net income margin of 2.08% and an EPS of $0.0096, though the trailing PE of 103.26x suggests the market is pricing in significant future growth. The balance sheet shows a high debt-to-equity ratio of 5.45, indicating substantial leverage, which could be a risk in rising interest rate environments. However, the current ratio of 7.51 suggests strong liquidity. Return on equity (ROE) is 9.78%, which is reasonable but not exceptional. Free cash flow data is not available, but the price-to-cash-flow ratio of 10.21 suggests the company generates positive cash flow relative to its market cap.
Quarterly Revenue
N/A
N/A
Revenue YoY Growth
N/A
YoY Comparison
Gross Margin
N/A
Latest Quarter
Free Cash Flow
N/A
Last 12 Months
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Valuation Analysis: Is RYAN Overvalued?
Given positive net income, the trailing PE ratio of 103.26x is the primary valuation metric, though it is elevated. The forward PE of 17.90x implies a sharp earnings growth expectation, as the market anticipates a significant increase in earnings. The PS ratio of 2.15x provides an alternative perspective. Compared to the industry average (not provided), the stock's trailing PE appears high, but the forward PE suggests a discount if earnings materialize. The PEG ratio of -2.88 is negative due to negative earnings growth expectations, which is a red flag. Historically, the stock's PE has likely been lower given its recent decline; the current trailing PE is near the high end of its historical range, suggesting the market is pricing in optimistic future earnings. The forward PE indicates a potential value opportunity if the company can deliver on earnings estimates.
PE
103.3x
Latest Quarter
vs. Historical
N/A
5-Year PE Range 17x~59x
vs. Industry Avg
N/A
Industry PE ~N/A*
EV/EBITDA
12.4x
Enterprise Value Multiple
