RYAN SPECIALTY HOLDINGS, INC. · Insurance Agents, Brokers & Service

RYAN

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The short version

A profitable company with steady sales.

Going well

Profitable
Sales up 21% last year
Brings in more cash than it spends

Watch out for

High debt: 5.16x equity

Money moves

No insider buying or selling in the last 30 days
Institutions added 5% to their holdings in the quarter ending June 2026 (193 bought, 205 sold)
Held by Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$44.46+1.8% that day

Company value: $4.9B; Share price times all shares
Price vs profit (P/E): 77.1x; You pay about $77 for each $1 of yearly profit
Price vs sales: 1.5x; Company value is 1.5 times a year of sales
Cash vs value: 3%; Cash as a share of company value
Debt vs value: 68%; Debt as a share of company value

From RYAN's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$916.6M+7.2% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $3.2B, up 14% from the 12 months before. Over 5 years, sales grew about 25% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of RYAN. Starting points are the company's recent numbers.

Sales growth+14% a yearRecently: +14% a yearProfit margin3%Last 12 months: 3.1%P/E at the end40xToday: 77.1x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$6.2B

Profit in 5 years$186M

Price these guesses point to$67.64+52% vs $44.46 todayAbout +8.8% a year, before dividends

What today's price needs: with a 3% margin and a 40x P/E, sales would have to grow about 4.8% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/5Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.9.9%
MissDebt under half of equityNot relying on borrowed money.5.16x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.2.1%
PassProfitable every yearSteady profits, not one good year.7 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$643.7M

Revenue: $3.1B; +21.3% vs prior year
5-year growth: +24.5%/yr; revenue, per year
Total debt: $3.3B; 5.16x equity
Free cash flow: $643.7M; 21.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: share count not growing. A checklist is a starting point for research, not a verdict.