RYAN · NYSE · STOCK
Ryan Specialty (RYAN) Stock Analysis
$41.91
52W $29.28 – $59.19
55/100
$5.48B
44.5
0.57
Is RYAN Bullish or Bearish?
Mixed.
Innellis AI committee rates Ryan Specialty (RYAN) Watch with a composite score of 55/100
, based on 6 analysts with 33% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.49 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.51 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 332.5% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 5.17) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 16.3% shows genuine earnings power backing the valuation — Value
- EPS growing 332.5% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- P/E of 109.4 is expensive by classic value standards — Value
- Price-to-book of 21.0x prices in significant intangible value — Value
- Debt-to-equity of 5.17 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 5.17) amplifies downside in a stress scenario — Risk
- Current ratio of 0.98 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
55/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 85%
of 211 Financial Services peers
Value Analyst
bearish
40
/ 100 · High confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
+ ROE of 16.3% shows genuine earnings power backing the valuation
− P/E of 109.4 is expensive by classic value standards
Growth Analyst
bullish
78
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 332.5% YoY
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 5.17) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 54.5 to 54.5.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
42.7
Neutral
MACD Histogram
-0.211
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$41.88
Resistance
$43.67
Bollinger %B
0.39
Inside Bands
Price vs Moving Averages
EMA 9
$42.76
Below
EMA 21
$42.76
Below
EMA 50
$41.49
Above
EMA 200
$42.95
Below
Fundamental Analysis
Valuation
33
Growth
78
Profitability
46
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
44.5×
P/B Ratio
10.41×
PEG Ratio
0.54
Dividend Yield
1.20%
52W High
$59.19
52W Low
$29.28
Quality & Growth
ROE
978.3%
ROA
60.0%
Gross Margin
8113.4%
Operating Margin
2020.3%
Revenue Growth YoY
—
Debt / Equity
7.47
AI Fundamental Assessment
P/E ratio of 44.5 (rich relative to a 15-40x range); Price-to-book of 10.4x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.8%; Return on assets of 0.6%; Net margin of 5.8%; Gross margin of 81.1%; Current ratio of 73.50 (healthy short-term liquidity); Debt-to-equity of 7.47; Free cash flow per share is positive (3.96); Most recent quarter beat estimates by 20.9%; 2 consecutive earnings beats; EPS growth accelerating (+4.4% -> +57.4% QoQ); Average YoY EPS growth of 12.1%; Analyst estimates rising over recent quarters
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