Ryan Specialty Holdings, Inc. (RYAN) Stock Analysis
Recovery setup
Financial Services · Insurance - Specialty
Sell if holding. At $35.64, A.R:R 0.5:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 3.1): -1.5; Thin upside margin: 7.2%.
Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and largest US P&C managing underwriter by premium volume. It operates through Wholesale Brokerage (53.4% of net commission/fees), Binding Authority (12.4%), and... Read more
Sell if holding. At $35.64, A.R:R 0.5:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 3.1): -1.5; Thin upside margin: 7.2%. Chart setup: Death cross but MACD improving, RSI 62. Score 6.2/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news boost analyst 0.70, earnings proximity 46d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and 8k serious 2.05. Suitability: moderate.
Recent developments
updated 2026-06-15Recent Developments — Ryan Specialty Holdings, Inc.
Latest news
- NEWS Earnings To Watch: Ryan Specialty (RYAN) Reports Q1 Results Tomorrow - Yahoo Finance — Yahoo Finance neutral
- NEWS Why Ryan Specialty (RYAN) Shares Are Sliding Today - The Globe and Mail — The Globe and Mail negative
- NEWS A Look At Ryan Specialty Holdings (RYAN) Valuation After A Sharp Share Price Slide - Yahoo Finance — Yahoo Finance negative
- NEWS Analysts Are Bullish on Top Financial Stocks: Ryan Specialty Group (RYAN), Miami International Holdings, Inc. (MIAX) - T — The Globe and Mail positive
- NEWS Is Ryan Specialty Holdings (RYAN) Pricing Look Stretched After Steep One Year Share Price Decline - Yahoo Finance — Yahoo Finance negative
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMCustomertop five retail brokers25%10-K Item 1A: 'The top five retail brokers with which we place business represented 25.2% and 26.9% of our revenues for the years ended December 31, 2025 and 2024, respectively'
- LOWCustomertop five insurance carriers (excluding Lloyd's)21%10-K Item 1A: 'The top five insurance carriers (excluding all Lloyd's syndicates combined) for which we place business represented an aggregate of 20.6%...of our revenues'
Material Events(8-K, last 90d)
- 2026-02-12Item 2.05MEDIUMRyan Specialty Board approved a three-year 'Empower Program' restructuring on February 10, 2026, targeting ~$80M annual savings by 2029. Covers Business Platform Optimization and Compensation & Benefits. Commences Q1 2026.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $35.64, A.R:R 0.5:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 3.1): -1.5; Thin upside margin: 7.2%. Chart setup: Death cross but MACD improving, RSI 62. Prior stop was $33.15. Score 6.2/10, moderate confidence.
Take-profit target: $38.22 (+7.2% upside). Prior stop was $33.15. Stop-loss: $33.15.
Thin upside margin: 7.2%; Leverage penalty (D/E 3.1): -1.5; Below 200-MA, MA slope -8.6%/30d (confirmed downtrend).
Ryan Specialty Holdings, Inc. trades at a P/E of 43.5 (forward 15.2). TrendMatrix value score: 7.1/10. Verdict: Sell.
26 analysts cover RYAN with a consensus score of 3.8/5. Average price target: $42.
What does Ryan Specialty Holdings, Inc. do?Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and...
Ryan Specialty is an international specialty insurance intermediary, the second-largest US P&C wholesale broker and largest US P&C managing underwriter by premium volume. It operates through Wholesale Brokerage (53.4% of net commission/fees), Binding Authority (12.4%), and Underwriting Management (34.2%) segments. It is compensated primarily through commissions and fees.