Ryan Specialty Hldgs Inc Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Ryan Specialty Hldgs Inc has an operating margin of 16.2%, meaning the company retains $16 of operating profit per $100 of revenue. This strong profitability earns a score of 81/100, reflecting efficient cost management and pricing power. This is down from 17.0% the prior year.
Ryan Specialty Hldgs Inc's revenue declined 99.9% year-over-year, from $2.5B to $3.1M. This contraction results in a growth score of 0/100.
Ryan Specialty Hldgs Inc has elevated debt relative to equity (D/E of 5.08), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Ryan Specialty Hldgs Inc's current ratio of 0.98 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 19/100, which could limit financial flexibility.
Ryan Specialty Hldgs Inc converts 21.0% of revenue into free cash flow ($641K). This strong cash generation earns a score of 100/100.
Ryan Specialty Hldgs Inc's ROE of 9.8% shows moderate profitability relative to equity, earning a score of 39/100. This is down from 15.1% the prior year.
Ryan Specialty Hldgs Inc scores 323.96, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($5.0B) relative to total liabilities ($9.3M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Ryan Specialty Hldgs Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Ryan Specialty Hldgs Inc generates $10.15 in operating cash flow ($644K OCF vs $63K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Ryan Specialty Hldgs Inc earns $2.1 in operating income for every $1 of interest expense ($494K vs $230K). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
This page shows Ryan Specialty Hldgs Inc (RYAN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Ryan Specialty Hldgs Inc generated $3.1M in revenue in fiscal year 2025. This represents a decrease of 99.9% from the prior year.
Ryan Specialty Hldgs Inc's EBITDA was $781K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 99.9% from the prior year.
Ryan Specialty Hldgs Inc generated $641K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 99.9% from the prior year.
Ryan Specialty Hldgs Inc reported $63K in net income in fiscal year 2025. This represents a decrease of 99.9% from the prior year.
Ryan Specialty Hldgs Inc earned $0.47 per diluted share (EPS) in fiscal year 2025.
Ryan Specialty Hldgs Inc held $158K in cash against $3.3M in long-term debt as of fiscal year 2025.
Ryan Specialty Hldgs Inc paid $0.12 per share in dividends in fiscal year 2025.
Ryan Specialty Hldgs Inc had 130M shares outstanding in fiscal year 2025.
Ryan Specialty Hldgs Inc's operating margin was 16.2% in fiscal year 2025, reflecting core business profitability. This is down 0.8 percentage points from the prior year.
Ryan Specialty Hldgs Inc's net profit margin was 2.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.7 percentage points from the prior year.
Ryan Specialty Hldgs Inc's ROE was 9.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.3 percentage points from the prior year.
Ryan Specialty Hldgs Inc invested $3K in capex in fiscal year 2025, funding long-term assets and infrastructure.
RYAN Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $751.2M-0.4% | $754.6M-11.8% | $855.2M+23.9% | $690.2M+4.0% | $663.5M+9.7% | $604.7M-13.0% | $695.4M+26.0% | $552.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $122.8M+4.4% | $117.6M+9.8% | $107.0M+0.9% | $106.1M+1.5% | $104.5M+17.9% | $88.7M+6.9% | $83.0M+9.4% | $75.9M |
| Operating Income | $91.6M-17.4% | $110.8M-42.0% | $191.1M+90.6% | $100.2M-8.3% | $109.3M+34.2% | $81.5M-50.4% | $164.4M+126.2% | $72.6M |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | $31.1M+5.9% | $29.4M |
| Income Tax | $13.4M+577.9% | -$2.8M-121.5% | $13.0M-76.5% | $55.4M+109.3% | $26.5M+395.5% | -$9.0M-147.9% | $18.7M+190.9% | $6.4M |
| Net Income | $8.0M-74.3% | $31.1M-40.2% | $52.0M+288.0% | -$27.6M-301.0% | $13.8M-21.8% | $17.6M-62.4% | $46.8M+183.0% | $16.5M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RYAN Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $10.6B+7.2% | $9.9B-7.3% | $10.6B+7.4% | $9.9B+2.5% | $9.6B+13.8% | $8.5B+2.5% | $8.3B+16.2% | $7.1B |
| Current Assets | $5.1B+13.8% | $4.4B-15.6% | $5.3B+14.3% | $4.6B-3.8% | $4.8B+19.1% | $4.0B-21.5% | $5.1B+21.5% | $4.2B |
| Cash & Equivalents | $158.3M+3.2% | $153.5M-11.1% | $172.6M-15.2% | $203.5M-62.3% | $540.2M+129.7% | $235.2M-61.6% | $612.4M-8.0% | $665.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $3.2B+3.0% | $3.1B+1.4% | $3.1B+2.0% | $3.0B+14.3% | $2.6B+13.0% | $2.3B+29.0% | $1.8B+10.2% | $1.6B |
| Total Liabilities | $9.3B+8.0% | $8.6B-8.7% | $9.4B+6.9% | $8.8B+3.3% | $8.6B+15.9% | $7.4B+2.5% | $7.2B+17.2% | $6.1B |
| Current Liabilities | $5.2B+16.4% | $4.5B-14.8% | $5.2B+19.0% | $4.4B-3.3% | $4.5B+14.7% | $4.0B-15.6% | $4.7B+27.7% | $3.7B |
| Long-Term Debt | $3.3B-1.7% | $3.3B-1.8% | $3.4B-6.6% | $3.7B+13.0% | $3.2B+22.1% | $2.6B+36.4% | $1.9B-0.1% | $1.9B |
| Total Equity | $648.1M+2.8% | $630.5M+3.3% | $610.1M+12.5% | $542.5M-13.6% | $627.7M-0.8% | $632.8M+4.5% | $605.9M+9.3% | $554.4M |
| Retained Earnings | $120.4M-6.6% | $128.8M+11.7% | $115.4M+45.4% | $79.3M-35.5% | $122.9M-1.6% | $125.0M+2.8% | $121.6M+37.3% | $88.5M |
RYAN Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $263.2M+55.2% | $169.7M-52.0% | $353.6M+347.6% | -$142.8M-155.0% | $259.6M+157.2% | $100.9M-62.7% | $270.8M+332.4% | -$116.5M |
| Capital Expenditures | $0-100.0% | $2.4M | $0-100.0% | $664K | $0 | $0 | $0 | $0 |
| Free Cash Flow | $263.2M+57.3% | $167.3M-52.7% | $353.6M+346.4% | -$143.5M-155.3% | $259.6M+157.2% | $100.9M-62.7% | $270.8M+332.4% | -$116.5M |
| Investing Cash Flow | -$126.8M-43.8% | -$88.2M-92.0% | -$45.9M+92.0% | -$573.0M-22.1% | -$469.3M+55.3% | -$1.0B-358.3% | -$229.1M-2903.0% | -$7.6M |
| Financing Cash Flow | $72.8M+131.8% | -$229.1M-123.5% | -$102.5M-130.4% | $336.8M-37.8% | $541.5M-2.1% | $553.2M+571.4% | $82.4M+908.1% | -$10.2M |
| Dividends Paid | $15.5M+1.3% | $15.3M+1.3% | $15.1M0.0% | $15.1M+10.3% | $13.7M+1.5% | $13.5M+3.7% | $13.0M-67.5% | $40.0M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RYAN Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 12.2%-2.5pp | 14.7%-7.7pp | 22.3%+7.8pp | 14.5%-2.0pp | 16.5%+3.0pp | 13.5%-10.2pp | 23.6%+10.5pp | 13.2% |
| Net Margin | 1.1%-3.1pp | 4.1%-2.0pp | 6.1%+10.1pp | -4.0%-6.1pp | 2.1%-0.8pp | 2.9%-3.8pp | 6.7%+3.7pp | 3.0% |
| Return on Equity | 1.2%-3.7pp | 4.9%-3.6pp | 8.5% | N/A | 2.2%-0.6pp | 2.8%-4.9pp | 7.7%+4.7pp | 3.0% |
| Return on Assets | 0.1%-0.2pp | 0.3%-0.2pp | 0.5%+0.8pp | -0.3%-0.4pp | 0.1%-0.1pp | 0.2%-0.4pp | 0.6%+0.3pp | 0.2% |
| Current Ratio | 0.98-0.0 | 1.000.0 | 1.01-0.0 | 1.050.0 | 1.05+0.0 | 1.01-0.1 | 1.09-0.1 | 1.15 |
| Debt-to-Equity | 5.08-0.2 | 5.31-0.3 | 5.59-1.1 | 6.73+1.6 | 5.15+1.0 | 4.18+1.0 | 3.20-0.3 | 3.50 |
| FCF Margin | 35.0%+12.9pp | 22.2%-19.2pp | 41.3%+62.1pp | -20.8%-59.9pp | 39.1%+22.4pp | 16.7%-22.3pp | 38.9%+60.1pp | -21.1% |
Note: The current ratio is below 1.0 (0.98), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Ryan Specialty Hldgs Inc's annual revenue?
Ryan Specialty Hldgs Inc (RYAN) reported $3.1M in total revenue for fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Ryan Specialty Hldgs Inc's revenue growing?
Ryan Specialty Hldgs Inc (RYAN) revenue declined by 99.9% year-over-year, from $2.5B to $3.1M in fiscal year 2025.
Is Ryan Specialty Hldgs Inc profitable?
Yes, Ryan Specialty Hldgs Inc (RYAN) reported a net income of $63K in fiscal year 2025, with a net profit margin of 2.1%.
What is Ryan Specialty Hldgs Inc's earnings per share (EPS)?
Ryan Specialty Hldgs Inc (RYAN) reported diluted earnings per share of $0.47 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Ryan Specialty Hldgs Inc's EBITDA?
Ryan Specialty Hldgs Inc (RYAN) had EBITDA of $781K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Ryan Specialty Hldgs Inc have?
As of fiscal year 2025, Ryan Specialty Hldgs Inc (RYAN) had $158K in cash and equivalents against $3.3M in long-term debt.
What is Ryan Specialty Hldgs Inc's operating margin?
Ryan Specialty Hldgs Inc (RYAN) had an operating margin of 16.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Ryan Specialty Hldgs Inc's net profit margin?
Ryan Specialty Hldgs Inc (RYAN) had a net profit margin of 2.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Ryan Specialty Hldgs Inc pay dividends?
Yes, Ryan Specialty Hldgs Inc (RYAN) paid $0.12 per share in dividends during fiscal year 2025.
What is Ryan Specialty Hldgs Inc's return on equity (ROE)?
Ryan Specialty Hldgs Inc (RYAN) has a return on equity of 9.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Ryan Specialty Hldgs Inc's free cash flow?
Ryan Specialty Hldgs Inc (RYAN) generated $641K in free cash flow during fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Ryan Specialty Hldgs Inc's operating cash flow?
Ryan Specialty Hldgs Inc (RYAN) generated $644K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Ryan Specialty Hldgs Inc's total assets?
Ryan Specialty Hldgs Inc (RYAN) had $10.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Ryan Specialty Hldgs Inc's capital expenditures?
Ryan Specialty Hldgs Inc (RYAN) invested $3K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Ryan Specialty Hldgs Inc have outstanding?
Ryan Specialty Hldgs Inc (RYAN) had 130M shares outstanding as of fiscal year 2025.
What is Ryan Specialty Hldgs Inc's current ratio?
Ryan Specialty Hldgs Inc (RYAN) had a current ratio of 0.98 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Ryan Specialty Hldgs Inc's debt-to-equity ratio?
Ryan Specialty Hldgs Inc (RYAN) had a debt-to-equity ratio of 5.08 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ryan Specialty Hldgs Inc's return on assets (ROA)?
Ryan Specialty Hldgs Inc (RYAN) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Ryan Specialty Hldgs Inc's Altman Z-Score?
Ryan Specialty Hldgs Inc (RYAN) has an Altman Z-Score of 323.96, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Ryan Specialty Hldgs Inc's Piotroski F-Score?
Ryan Specialty Hldgs Inc (RYAN) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Ryan Specialty Hldgs Inc's earnings high quality?
Ryan Specialty Hldgs Inc (RYAN) has an earnings quality ratio of 10.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Ryan Specialty Hldgs Inc cover its interest payments?
Ryan Specialty Hldgs Inc (RYAN) has an interest coverage ratio of 2.1x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Ryan Specialty Hldgs Inc?
Ryan Specialty Hldgs Inc (RYAN) scores 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.