Ryan Specialty Holdings, Inc. (RYAN) Stock: Price, Forecast & Analyst Target
Ryan Specialty Holdings, Inc. (RYAN) — MoonshotScore 76/100 (Strong band), calculated Oct 26, 2026. Price $43.68 (-1.82%), as of the Oct 23, 2026 trading session; market cap $5.33B. Expected results Oct 29, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 38.04× (market value Oct 23, 2026; cash Jun 30, 2026) · expected results Oct 29, 2026
Ryan Specialty Holdings, Inc. · RYAN · NYSE · Financial Services · Insurance - Brokers
Research dated 2026-09-13: Ryan Specialty brokers and underwrites specialized insurance for commercial customers. The company sits between insurance brokers and insurance carriers—it places business with carriers and manages risk underwriting. The most recent quarter beat forecasts and the company has a track record of beating expectations, but debt is elevated.
Price as of Oct 23, 2026
Key Statistics
MoonshotScore v2 · Ryan Specialty Holdings (RYAN)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and elite growth, but a full valuation. Business Quality: Elite; Financial Safety: Sound; Valuation: Rich; Growth Durability: Compounding; Momentum: Rising.
Price relative to book value is the main valuation drag relative to sector peers.
- quarterly revenue $917M (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 2 of 8
- Altman Z 1.37 · Piotroski F 7
Holding back: a rich price
Helping: business quality, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 65 | Strong | |
| 67 | Strong | |
| 69 | Strong | |
| 68 | Strong | |
| 73 | Strong | |
| 79 | Strong |
The score was 76 in the stored Oct 24, 2026 snapshot and remains 76 in the current publication computed Oct 26, 2026 (0); the largest pillar moves were Financial Safety +1 and Valuation +1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $43.68 | |
| Change on the day | -1.82% | |
| 52-week range | $29.28–$58.94 | |
| Market capitalisation | $5.33B | |
| Price / earnings (trailing) | 45.90 | |
| Shares traded on the day | 2.74M | |
| Beta (volatility vs the S&P 500) | 0.61 | |
| Dividends per share (last 12 months) | $0.51 | |
| Dividend yield (last 12 months) | 1.17% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · in line with the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Our adjusted effective tax rate was approximately 26% and we expect a similar rate for the remainder of 2026.
Janice Hamilton · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for Ryan Specialty Holdings (RYAN): Bullish Lean
61/100 · B+Some lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
4 lenses, 4 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 26, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
Two of these lenses read this company less favourably than the MoonshotScore does: Englander-style lens and Klarman-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the RYAN film — every key number, told as a short cinematic story
~2 min · open the film
What is Ryan Specialty Holdings (RYAN), and what does it report?
Short answer · as of
Ryan operates across multiple business lines: Wholesale Brokerage (placing business with carriers), Binding Authorities (delegated underwriting authority from carriers), and Underwriting Management (direct insurance operations).
Research dated 2026-09-13.
Ryan operates across multiple business lines: Wholesale Brokerage (placing business with carriers), Binding Authorities (delegated underwriting authority from carriers), and Underwriting Management (direct insurance operations). The wholesale business earns commissions on placed premiums. Binding Authorities earn margin on delegated volume. Underwriting Management retains risk. Revenue is driven by premium volume and pricing power in specialty lines like construction, medical professional liability, and management liability.
What do the latest results show for Ryan Specialty Holdings (RYAN)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $917M.
Research dated 2026-09-13.
The most recent quarter beat analyst earnings forecasts and continued a track record of consistent outperformance. Revenue growth is strong as the company expands market share and specialty lines. Operating margins expanded modestly, reflecting operating leverage as the company scales. Premium pricing in specialty lines remains robust.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $916.65M Jun 30, 2026
- Latest quarter · SG&A
- $227.40M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $215.44M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $916.65M | Not available | $227.40M | $215.44M |
| Mar 31, 2026 | $795.23M | Not available | $0.00 | $144.09M |
| Dec 31, 2025 | $751.21M | Not available | $122.75M | $134.91M |
| Sep 30, 2025 | $754.58M | Not available | $117.59M | $155.63M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $916.65M Jul 30, 2026
- Latest report · revenue estimate
- $873.93M Jul 30, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 30, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 30, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 30, 2026 | $916.65M | $873.93M | $0.7400 | $0.5980 |
| Apr 30, 2026 | $795.23M | $781.44M | $0.4700 | $0.4300 |
| Feb 12, 2026 | $751.21M | $777.08M | $0.4500 | $0.5000 |
| Oct 30, 2025 | $754.58M | $777.43M | $0.4700 | $0.4700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $917M | $108M | $0.33 (diluted) |
| Q1 FY2026 | $795M | $41M | $0.31 (diluted) |
| Q4 FY2025 | $751M | $8M | $0.03 (diluted) |
| Q3 FY2025 | $755M | $31M | $0.11 (diluted) |
What are the financial strengths and risks for Ryan Specialty Holdings (RYAN)?
Short answer
Cash and short-term investments were $140.12M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $293.03M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Ryan carries elevated debt relative to equity, which is typical for insurance brokers but creates financial risk if earnings disappoint. Operating cash flow is volatile but sufficient to service debt and pay dividends. Liquidity is adequate in absolute terms, though the quick ratio reflects the company's investment and receivables structure. The primary financial risk is insurance market downturn that compresses premium pricing and volume.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of 1.37 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 2 of the last 8 reported quarters.
- Rich valuation — a P/E of 45.90 runs well above the Financial Services sector’s ~17.90x, leaving little room for a miss.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $293.03M Jun 30, 2026
- Previous quarter · operating cash flow
- −$167.41M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $293.03M | −$17.17M |
| Mar 31, 2026 | −$167.41M | −$13.26M |
| Dec 31, 2025 | $263.25M | −$17.27M |
| Sep 30, 2025 | $169.66M | −$14.13M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Ryan Specialty Holdings (RYAN)?
Short answer · as of
The next earnings report is expected on Oct 29, 2026.
Research dated 2026-09-13.
Watch for specialty insurance premium pricing trends. If carriers cut rates in response to competitive pressure or loss experience, Ryan's margins compress. Monitor underwriting profitability—recent results showed softness in underwriting income, suggesting underwriting risk is real. Insider selling activity has been notable, which may reflect optionality being exercised or portfolio rebalancing rather than conviction loss.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Our adjusted effective tax rate was approximately 26% and we expect a similar rate for the remainder of 2026.
Janice Hamilton ·
How does Ryan Specialty Holdings compare with its peers?
Short answer
Ryan Specialty Holdings's score ranks 9th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Ryan differs from pure insurance brokers because it has underwriting and binding authority—it retains risk and earns underwriting gains when experience is favorable. It differs from carriers because it is a relatively small player with limited balance sheet capacity. The hybrid model gives Ryan exposure to both brokerage and underwriting economics, which amplifies both upside and downside.
| Company | Price | Market value | Score |
|---|---|---|---|
| $352.60 Oct 23, 2026 | $14.7B | 100 5-pillar Oct 26, 2026 | |
| $101.69 Oct 23, 2026 | $34.7B | 97 5-pillar Oct 26, 2026 | |
| $197.48 Oct 23, 2026 | $94.2B | 91 5-pillar Oct 26, 2026 | |
| $325.01 Oct 23, 2026 | $30.2B | 90 5-pillar Oct 26, 2026 | |
| $128.61 Oct 23, 2026 | $7.82B | 83 5-pillar Oct 26, 2026 | |
| $253.52 Oct 23, 2026 | $11.7B | 83 5-pillar Oct 26, 2026 | |
| $28.29 Oct 23, 2026 | $364M | 82 5-pillar Oct 26, 2026 | |
| $303.52 Oct 23, 2026 | $64.4B | 77 5-pillar Oct 26, 2026 | |
| Ryan Specialty Holdings (RYAN) — this page | $43.68 | $5.33B | 76 |
| $72.97 Oct 23, 2026 | $24.4B | 75 5-pillar Oct 26, 2026 | |
| $268.04 Oct 23, 2026 | $68.7B | 67 5-pillar Oct 26, 2026 | |
| $95.81 Oct 23, 2026 | $8.68B | 64 5-pillar Oct 26, 2026 | |
| $83.87 Oct 23, 2026 | $4.24B | 52 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $31.00 – $69.00
- Consensus target
- $46.56
- Median target
- $45.00
Consensus record · Captured .
Measured against a quoted price of $43.68 (as of Oct 23, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 8, 2026
- Transactions
- 31
- Identified insiders
- 12
- Purchases
- 6
- Sales
- 2
- Other transactions
- 23
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 90.8% Period end Jun 30, 2026
- Previous quarter · ownership
- 85.6% Prior to period end Jun 30, 2026
- Reporting holders
- 378 Period end Jun 30, 2026
- Previous quarter · holders
- 371 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 10,494,326 |
| Vulcan Value Partners, LLC | 7,912,669 |
| T. Rowe Price Investment Management, INC. | 6,625,372 |
| Orbis Allan Gray Ltd | 6,307,845 |
| Neuberger Berman Group LLC | 5,572,840 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Ryan Specialty Holdings (RYAN)?
RYAN Financial Services Stock FAQ
Research dated 2026-09-13; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does Ryan's fee structure work?
Wholesale Brokerage earns commissions as a percentage of placed premiums. Binding Authorities earn margin on delegated volume. Underwriting Management retains premium and earns underwriting income (claims minus loss adjustment expenses). The diversity of fee structures creates some operational complexity but multiple profit centers.
Why is debt so high?
Insurance brokers use leverage to fund acquisitions and working capital. Ryan's debt-to-equity ratio reflects typical industry leverage. The company services debt from cash generation. Debt becomes a risk only if earnings decline significantly or if the company overpays for acquisitions.
Are insiders buying or selling?
Insiders have been modest sellers in recent periods. Selling is not necessarily negative—equity grants often result in tax-driven sales. But the selling does suggest insiders are not doubling down on the stock at current prices.
What's the underwriting risk?
Ryan retains insurance risk through Underwriting Management. If specialty line claims are worse than expected, underwriting income turns negative. The company has taken underwriting losses in recent quarters, showing that this risk is real and can materialize.
What is the RYAN stock price today?
The last price recorded on this page for Ryan Specialty Holdings, Inc. (RYAN) is $43.68, as of the Oct 23, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the RYAN price target?
The analyst consensus price target for Ryan Specialty Holdings, Inc. (RYAN) is $46.56 (range $31.00 to $69.00, median $45.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does RYAN pay a dividend?
Yes. Ryan Specialty Holdings, Inc. (RYAN) shows a trailing 12-month dividend yield of 1.17%, as of Oct 23, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (83 figures)
The 83 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Janice Hamilton (Jul 30, 2026): Our adjusted effective tax rate was approximately 26% and we expect a similar rate for the remainder of 2026. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 155 North Wacker Drive, Suite 4000, Chicago, IL, 60606 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "155 North Wacker Drive, Chicago, IL, 60606, US". |
FMP — 71 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 29, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $43.68 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T07:35:08.984Z. | |
px.change | Change on the day | -1.82% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.33B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-23. FMP quote timestamp: 2026-10-23T20:00:02.000Z. Captured from FMP at 2026-10-26T07:35:07.915Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.81 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $917M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $29.28–$58.94 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 45.90 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 2.74M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.61 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Timothy William Turner | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.founder | Founder named in the filing | Patrick G. Ryan — Founder & Executive Chairman | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 6,171 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.43B, net result $65.87M; FY2022 revenue $1.73B, net result $61.05M; FY2023 revenue $2.08B, net result $61.04M; FY2024 revenue $2.52B, net result $94.67M; FY2025 revenue $3.05B, net result $63.40M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Binding Authorities $370.15M · Wholesale Brokerage $1.60B · Underwriting Management $1.02B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 81.1% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $916.65M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $227.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $215.44M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $795.23M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $144.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $751.21M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $122.75M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $134.91M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $754.58M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $117.59M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $155.63M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-30.revenue_actual | Revenue · reported — report date 2026-07-30 | $916.65M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.revenue_estimated | Revenue · estimate — report date 2026-07-30 | $873.93M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_actual | EPS · reported — report date 2026-07-30 | $0.7400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_estimated | EPS · estimate — report date 2026-07-30 | $0.5980 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_actual | Revenue · reported — report date 2026-04-30 | $795.23M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_estimated | Revenue · estimate — report date 2026-04-30 | $781.44M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_actual | EPS · reported — report date 2026-04-30 | $0.4700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_estimated | EPS · estimate — report date 2026-04-30 | $0.4300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.revenue_actual | Revenue · reported — report date 2026-02-12 | $751.21M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.revenue_estimated | Revenue · estimate — report date 2026-02-12 | $777.08M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.eps_actual | EPS · reported — report date 2026-02-12 | $0.4500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.eps_estimated | EPS · estimate — report date 2026-02-12 | $0.5000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_actual | Revenue · reported — report date 2025-10-30 | $754.58M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_estimated | Revenue · estimate — report date 2025-10-30 | $777.43M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_actual | EPS · reported — report date 2025-10-30 | $0.4700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_estimated | EPS · estimate — report date 2025-10-30 | $0.4700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $140.12M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $293.03M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $121.68M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $3.81B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 10.74× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $293.03M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$167.41M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$17.17M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$13.26M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $263.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$17.27M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $169.66M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$14.13M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $31.00 – $69.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $46.56 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $45.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 31 transactions · 6 purchases, 2 sales, 23 other transactions · 12 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 8, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 90.8% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 85.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 378 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 371 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 10,494,326 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vulcan Value Partners, LLC — shares in provider snapshot | 7,912,669 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | T. Rowe Price Investment Management, INC. — shares in provider snapshot | 6,625,372 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Orbis Allan Gray Ltd — shares in provider snapshot | 6,307,845 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Neuberger Berman Group LLC — shares in provider snapshot | 5,572,840 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 2 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-19 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.37 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-25 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 38.04× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $140.12M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-23. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.51 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-25, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.17% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-30.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($916.65M) with the recorded estimate ($873.93M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-30.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.7400) with the recorded estimate ($0.5980) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 3 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 76 of 100 · Strong · pillars 85 / 60 / 34 / 88 / 67 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.valuation_driver | Recorded valuation score driver | Price relative to book value is the main valuation drag relative to sector peers. | OURS | Stock Expert AI MoonshotScore v2 engine · stored factor contributions | |
ours.moonshot_change | MoonshotScore movement | 76 (stored snapshot Oct 24, 2026) → 76 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-30. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-30.revenue_actual,earn.history.depth.2026-07-30.revenue_estimated,earn.history.depth.2026-07-30.revenue_actual.comparison,earn.history.depth.2026-07-30.eps_actual.comparison,earn.history.depth.2026-07-30.eps_actual,earn.history.depth.2026-07-30.eps_estimated,earn.history.depth.2026-04-30.revenue_actual,earn.history.depth.2026-04-30.revenue_estimated,earn.history.depth.2026-04-30.eps_actual,earn.history.depth.2026-04-30.eps_estimated,earn.history.depth.2026-02-12.revenue_actual,earn.history.depth.2026-02-12.revenue_estimated,earn.history.depth.2026-02-12.eps_actual,earn.history.depth.2026-02-12.eps_estimated,earn.history.depth.2025-10-30.revenue_actual,earn.history.depth.2025-10-30.revenue_estimated,earn.history.depth.2025-10-30.eps_actual,earn.history.depth.2025-10-30.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Ryan Specialty Holdings, Inc. functions as a provider of specialized insurance products and comprehensive solutions for the benefit of insurance brokers, agents, and carriers. The company delivers a range of services including distribution, underwriting, product development, administration, and risk management, primarily through its roles as a wholesale broker and a managing underwriter. This firm, established in 2010, maintains its headquarters in Chicago, Illinois. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-30 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 73.5; Current ratio: 73.5; Debt to equity: 7.47; Net margin: 5.8%; Gross margin: 81.1%; Operating margin: 20.2%; Return on assets: 1.6%; Return on equity: 31% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Revenue by segment | Binding Authorities: $370.15M; Wholesale Brokerage: $1.60B; Underwriting Management: $1.02B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Cash, investments and debt | Total debt: $3.81B; Liquidity basis: cash and short-term investments; Total liabilities: $10.95B; Cash and short-term investments: $140.12M; Cash and investments: $261.80M; Long-term investments: $121.68M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Insider transactions, last 180 days | Net shares: -5,353,975; Window days: 180; Price low: $29.66; Clustered days: 2026-04-28; 2026-05-05; 2026-08-04; Price high: $43.63; Buy transactions: 6; Distinct insiders: 18; Sell transactions: 2; Other transactions: 36; Total transactions: 44; Other transaction types: G-Gift: 4, A-Award: 17, J-Other: 4, D-Return: 2, F-InKind: 2, M-Exempt: 4, C-Conversion: 3; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-09-08 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
| Distress and quality screens | Altman Z-score: 1.35; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-08-19 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Named officers | CEO: Timothy William Turner; Officers: Benjamin Miles Wuller — Title: Chief Executive officer of RSG Underwriting Managers, Pay: $1.65M, Born: 1977; Brendan Martin Mulshine — Title: Co-President, Pay: $1.67M, Born: 1966; Mark Stephen Katz — Title: Executive Vice President, General Counsel & Corporate Secretary, Pay: $1.57M, Born: 1970; Janice Hamilton — Title: Executive Vice President & Chief Financial Officer, Pay: $985,750, Born: 1983; Michael Blackshear — Title: Senior VP, Chief Compliance & Privacy Officer and Head of Culture & Inclusion; Patrick G. Ryan — Title: Founder & Executive Chairman, Pay: $1.25M, Born: 1938; Stephen Keogh — Title: Co-President & Chief Operating Officer, Pay: $776,828, Born: 1968; Timothy William Turner — Title: Chief Executive Officer & Director, Pay: $1.45M, Born: 1961 Titles and pay come from the company's proxy statement as our provider parsed it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) |
Data provided for informational purposes only.