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Upturn AI Summary - About
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
09/24/2026: RYAN (1-star) is currently NOT-A-BUY. Pass it for now.
Ryan Specialty Group is a prominent player in the specialty insurance market, providing wholesale brokerage and underwriting management solutions. The company is noted for its ability to place complex risks and its dual-model approach, which has historically generated strong organic growth. Its primary growth opportunity lies in further scaling its MGU platform and expanding into underserved specialty niches. However, investors should monitor risks such as high valuation multiples, integration challenges from its acquisition-heavy growth strategy, and intense competition from global insurance giants. The stock is best suited for growth-oriented investors who are comfortable with the inherent volatility of the insurance sector and the company's long-term compounding strategy.
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 maintains a strong track record of organic and inorganic growth in the high-margin specialty insurance niche. |
| Momentum investor | Strong fit while signal remains positive | Consistent earnings growth and sector tailwinds have historically attracted momentum-driven interest. |
| Value investor | Mixed fit | The stock often trades at a premium multiple due to its growth profile, which may deter strictly value-oriented investors. |
| Dividend investor | Weak fit | The company does not currently pay a meaningful dividend, as it prioritizes capital reinvestment. |
| Low-risk investor | Mixed fit | Insurance brokerage is generally defensive, but the company's growth-focused strategy and valuation carry inherent market risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience price swings based on broader insurance market trends and interest rate expectations. |
| Valuation risk | Medium / high | High growth expectations are priced into the stock, leaving little margin for error if organic growth slows. |
| Competition risk (Insurance brokerage competition) | Medium | Intense competition from established giants could pressure margins and limit market share gains. |
| Business quality | Strong | The company operates a high-margin, capital-light business model with strong renewal characteristics. |
| Dividend income | Low / none | Investors seeking immediate cash yield will not find it here. |
| Execution risk | Medium | Continued success depends on the ability to integrate acquisitions and retain key talent. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 32.98% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/24/2026 |
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
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.27B USD | Price to earnings Ratio 51.67 | 1Y Target Price 50.53 |
Price to earnings Ratio 51.67 | 1Y Target Price 50.53 | ||
Volume (30-day avg) 1.8M shares | Beta 0.56 | 52 Weeks Range 29.07 - 58.44 | Updated Date 09/24/2026 |
52 Weeks Range 29.07 - 58.44 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 1.30% | Basic EPS (TTM) 0.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wholesale Brokerage | Commission-based fees from placing complex specialty insurance risks with carriers. | The company earns a fee every time it successfully helps a broker find coverage for a difficult or high-risk insurance need. |
| Underwriting Management | Fees and profit-sharing arrangements from managing specialty insurance programs. | The company makes money by acting as the underwriter for specific types of insurance, often earning a portion of the profits. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 51.67 | Forward PE 15.55 | Enterprise Value 8.36B | Price to Sales(TTM) 2.93 |
Enterprise Value 8.36B | Price to Sales(TTM) 2.93 | ||
Enterprise Value to Revenue 2.6 | Enterprise Value to EBITDA - | Shares Outstanding 122.08M | Shares Floating 106.18M |
Shares Outstanding 122.08M | Shares Floating 106.18M | ||
Percent Insiders 14.61 | Percent Institutions 98.3 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Ryan Specialty Group Holdings Inc
Exchange NYSE | Headquarters Chicago, IL, United States | ||
IPO Launch date 2021-07-22 | CEO & Director Mr. Timothy William Turner | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 6171 | Website https://www.ryanspecialty.com |
Full time employees 6171 | Website https://www.ryanspecialty.com | ||
Ryan 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 internationally. 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. It serves commercial, industrial, institutional, individual, and government sectors. The company was founded in 2010 and is headquartered in Chicago, Illinois.
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