Provides distribution services for specialty insurance products to brokers and agents. Offers underwriting expertise for complex and niche insurance risks. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 21% a year over the last 4 years. Every year shown ended in profit.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
The stock trades 50% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 21% a year on average.
Over the last 12 months, company executives reported 39 buys and 20 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.51 per share each year — regular cash for whoever holds the stock.
The company’s market value is 78 times its annual profit. Even a small disappointment could hit the price hard.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 24/100. For a turnaround signal, the stock first needs to close the gap with the market.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 39/100.
On our five-subject report card, RYAN sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: RYAN is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (39/100) says the stock isn’t cheap.