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Ryan Specialty Holdings, Inc. (RYAN) Stock Analysis

Recovery setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Specialty

Hold if already holding. Not a fresh buy at $33.77, but acceptable to hold if already in. Reasons: Leverage penalty (D/E 3.1): -1.5; Elevated risk factors.

Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and largest US P&C managing underwriter by premium volume. It operates through Wholesale Brokerage (53.4% of net commission/fees), Binding Authority (12.4%), and... Read more

$33.77+14.3% A.UpsideScore 6.0/10#5 of 10 Insurance - Specialty
QualityF-score7 / 9FCF yield6.69%
IncomeYield1.54%Payout59.76%sustainable
Stop $31.41Target $38.59(analyst − 10%)A.R:R 1.1:1
Analyst target$42.88+27.0%17 analysts
$38.59our TP
$33.77price
$42.88mean
$76

Hold if already holding. Not a fresh buy at $33.77, but acceptable to hold if already in. Reasons: Leverage penalty (D/E 3.1): -1.5; Elevated risk factors. Chart setup: Death cross but MACD improving, RSI 46. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 72d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Val7.2Qual5.8Grw8.2Mom6.2Sent6.9Ins5.3Peer4.6Tech3.4Risk3.66.0OVERALL

Recent Developments — Ryan Specialty Holdings, Inc.

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Leverage penalty (D/E 3.1): -1.5
Elevated risk factors
Below 200-MA, MA slope -8.9%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)41.1
P/E (Fwd)14.5
Mkt Cap$8.9B
EV/EBITDA9.5
Profit Mgn3.5%
ROE22.8%
Rev Growth15.8%
Beta0.68
Dividend1.54%
Rating analysts26

Quality Signals

Piotroski F7/9MoatNarrow

Options Flow

P/C105.00bearish
IV52%elevated

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 carriers (excluding Lloyd's)21%
    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%...of our revenues'

Material Events(8-K, last 90d)

  • 2026-02-12Item 2.05MEDIUM
    Ryan Specialty Board approved a three-year 'Empower Program' restructuring on February 10, 2026, targeting ~$80M annual savings by 2029. Covers Business Platform Optimization and Compensation & Benefits. Commences Q1 2026.
    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

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

52w Position
0.0
Bollinger
3.6
Support Resistance
4.9
Gap
5.0
GatesA.R:R 1.1 < 1.5@spotDeath cross (50MA < 200MA)Momentum 6.2>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 72d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
46 · Neutral
↑ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $29.16Resistance $38.16

Price Targets

$31
$39
A.Upside+14.3%
A.R:R1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Reward/Risk 1.1:1 at current price — below 1.5:1 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-30 (72d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is RYAN stock a buy right now?

Hold if already holding. Not a fresh buy at $33.77, but acceptable to hold if already in. Reasons: Leverage penalty (D/E 3.1): -1.5; Elevated risk factors. Chart setup: Death cross but MACD improving, RSI 46. Maintain position. Not compelling to add more. Target $38.59 (+14.3%), stop $31.41 (−7.5%), A.R:R 1.1:1. Score 6.0/10, moderate confidence.

What is the RYAN stock price target?

Take-profit target: $38.59 (+14.3% upside). Target $38.59 (+14.3%), stop $31.41 (−7.5%), A.R:R 1.1:1. Stop-loss: $31.41.

What are the risks of investing in RYAN?

Leverage penalty (D/E 3.1): -1.5; Elevated risk factors; Below 200-MA, MA slope -8.9%/30d (confirmed downtrend).

Is RYAN overvalued or undervalued?

Ryan Specialty Holdings, Inc. trades at a P/E of 41.1 (forward 14.5). TrendMatrix value score: 7.2/10. Verdict: Hold.

What do analysts say about RYAN?

26 analysts cover RYAN with a consensus score of 3.8/5. Average price target: $43.

What does Ryan Specialty Holdings, Inc. do?Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and...

Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and largest US P&C managing underwriter by premium volume. It operates through Wholesale Brokerage (53.4% of net commission/fees), Binding Authority (12.4%), and Underwriting Management (34.2%) segments. It is compensated primarily through commissions and fees.

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