Ryan Specialty Holdings, Inc. (RYAN) Stock Analysis
Financial Services · Insurance - Specialty
Wait for pullback to $33.36. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $34.08. Engine's entry $33.36 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Leverage penalty (D/E 2.8): -1.5; Value-trap signals (2/5): High leverage (D/E 6.9), Material insider selling (9 sells, 0.33% of cap).
Ryan Specialty is an international specialty insurance intermediary providing wholesale brokerage and delegated underwriting for complex, hard-to-place risks. It is the second-largest US P&C wholesale broker and largest US P&C managing underwriter; 78% of 2025 placed premiums... Read more
Wait for pullback to $33.36. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $34.08. Engine's entry $33.36 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Leverage penalty (D/E 2.8): -1.5; Value-trap signals (2/5): High leverage (D/E 6.9), Material insider selling (9 sells, 0.33% of cap). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Earnings in 0 days. Wait until post-earnings. Score 5.7/10, moderate confidence.
Passes 4/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, semi cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA) and earnings proximity 0d<=7d. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMCustomertop five retail brokers25%10-K Item 1A: 'The top five retail brokers with which we place business represented 25.2% and 26.9% of our revenues for the years ended December 31, 2025 and 2024, respectively.'
- LOWCustomertop five insurance carriers21%10-K Item 1A: 'The top five insurance carriers (excluding all Lloyd's syndicates combined) for which we place business represented an aggregate of 20.6% and 20.9% of our revenues for the years ended December 31, 2025 and 2024'
Material Events(8-K, last 90d)
- 2026-02-12Item 2.05MEDIUMRyan Specialty board approved three-year Empower Program restructuring on February 10, 2026, targeting approximately $80M annual savings by 2029 through streamlining brokerage, binding, and underwriting operations.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $33.36. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $34.08. Engine's entry $33.36 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Leverage penalty (D/E 2.8): -1.5; Value-trap signals (2/5): High leverage (D/E 6.9), Material insider selling (9 sells, 0.33% of cap). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Earnings in 0 days. Wait until post-earnings. Target $43.73 (+28.3%), stop $30.56 (−11.5%), Setup A.R:R 6.4:1. Score 5.7/10, moderate confidence.
Take-profit target: $43.73 (+32.0% upside). Target $43.73 (+28.3%), stop $30.56 (−11.5%), Setup A.R:R 6.4:1. Stop-loss: $30.56.
Leverage penalty (D/E 2.8): -1.5; Value-trap signals (2/5): High leverage (D/E 6.9), Material insider selling (9 sells, 0.33% of cap).
Ryan Specialty Holdings, Inc. trades at a P/E of 75.0 (forward 13.7). TrendMatrix value score: 7.5/10. Verdict: Buy (Wait for Entry).
25 analysts cover RYAN with a consensus score of 3.9/5. Average price target: $49.
What does Ryan Specialty Holdings, Inc. do?Ryan Specialty is an international specialty insurance intermediary providing wholesale brokerage and delegated...
Ryan Specialty is an international specialty insurance intermediary providing wholesale brokerage and delegated underwriting for complex, hard-to-place risks. It is the second-largest US P&C wholesale broker and largest US P&C managing underwriter; 78% of 2025 placed premiums were in the E&S market. Revenue comes from commissions and fees from retail brokers and insurance carriers.