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Ryan Specialty Group Holdings Inc(RYAN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RYAN
11/13/2026: RYAN (4-star) is a STRONG-BUY. BUY for 17 days. Simulated Profits (5.68%). Updated daily EoD!
Ryan Specialty Group Holdings is a prominent player in the specialty insurance sector, specializing in wholesale brokerage and managing general underwriting (MGU) for complex, hard-to-place risks. The company exhibits a strong growth profile driven by organic business wins and a disciplined acquisition strategy within the E&S market. Its primary investment story centers on capturing increased demand for specialty coverage through a high-margin, asset-light business model. Risks include potential insurance cycle volatility, key talent retention, and the competitive nature of the broader brokerage market. It is best suited for growth-oriented investors who are comfortable with the inherent cyclicality of the insurance brokerage industry and who prioritize long-term capital appreciation over income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company's focus on the high-growth E&S market aligns with capital appreciation goals. |
| Momentum investor | Strong fit while signal remains positive | Strong organic growth trends often make the stock attractive for momentum-based strategies. |
| Value investor | Mixed fit | The stock often trades at a premium multiple due to its growth profile. |
| Dividend investor | Weak fit | The company prioritizes reinvestment over dividend payments. |
| Low-risk investor | Mixed fit | While the business model is stable, the insurance brokerage sector can be sensitive to market cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock can be sensitive to market sentiment surrounding insurance cycle peaks. |
| Valuation risk | Medium / high | Premium multiples require consistent growth to justify current share prices. |
| Competition risk (specialty insurance) | Medium | Aggressive moves by large retail brokers into specialty lines could pressure margins. |
| Business quality | Strong | The company has a proven, repeatable model for specialty underwriting and wholesale placement. |
| Dividend income | Low / none | Investors should not rely on this stock for income generation. |
| Execution risk | Medium | Success depends on integrating acquisitions and retaining high-value producers. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.70B USD | Price to earnings Ratio 57.69 | 1Y Target Price 48.78 |
Price to earnings Ratio 57.69 | 1Y Target Price 48.78 | ||
Volume (30-day avg) 2.1M shares | Beta 0.54 | 52 Weeks Range 28.99 - 58.13 | Updated Date 11/13/2026 |
52 Weeks Range 28.99 - 58.13 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 1.09% | Basic EPS (TTM) 0.8 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Insurance Brokers
- BUY participation
- 50.0%
- Active BUY / eligible
- 2 / 4
- 30-Day BUY Count Change
- +1
Eligible universe: 4 stocks.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 40.61% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wholesale Brokerage | Commission-based fees for placing specialty insurance risks. | The company earns a fee every time it successfully helps a retail broker place a complex or hard-to-insure risk. |
| Underwriting Management | MGA fees, profit-sharing, and underwriting service fees. | The company creates its own insurance products and programs, earning fees and profit-sharing from the insurance carriers. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 0.49 | Actual 0.51 |
Profitability
Profit Margin 3.27% | Operating Margin (TTM) 19.78% |
Management Effectiveness
Return on Assets (TTM) 3.79% | Return on Equity (TTM) 25.15% |
Valuation
Trailing PE 57.69 | Forward PE 19.46 | Enterprise Value 9.30B | Price to Sales(TTM) 3.66 |
Enterprise Value 9.30B | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 2.86 | Enterprise Value to EBITDA - | Shares Outstanding 119.69M | Shares Floating 103.79M |
Shares Outstanding 119.69M | Shares Floating 103.79M | ||
Percent Insiders 14.9 | Percent Institutions 96.74 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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