Ryan Specialty Holdings, Inc.
RYANFinancial ServicesNASDAQInsurance - Specialty
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Daily timeframeRyan Specialty Holdings, Inc. operates as a service provider of specialty products and solutions for insurance brokers, agents, and carriers in the United States, Canada, the United Kingdom, rest of Europe, India, Singapore, and. With a market capitalization of $11.08B, it sits in large-cap territory. The company offers distribution, underwriting, product development, administration, and risk management services by acting as a wholesale broker and a managing underwriter or a program administrator with delegated authority from insurance carriers.
Market Cap
$11.08B
Beta
0.60
P/E (TTM)
51.81
P/E (Fwd)
17.84
EPS (TTM)
$0.81
EPS (Fwd)
$2.35
ROE
22.8%
ROA
3.6%
Cash
$154.7M
Total Debt
$3.74B
Free CF
$595.0M
52W Change
-36.4%
Annual Financials
Cash vs Debt
On the balance sheet, RYAN has $154.7M in cash with $3.74B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow comes in at $595.0M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 22.8%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 3.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.73B (2022) to $3.05B (2025), reflecting a 77% increase over the period.
RYAN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing RYAN.