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Ryan Specialty HoldingsRYAN +0.85%81 Debt-to-Equity is 7.47 as of Jun. 2026, which is 48% above its 10-year median of 5.05. GuruFocus rates RYAN with a GF Score™ of 81/100 and a GF Value™ of $79.92 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 400 Insurance companies, Ryan Specialty Holdings ranks worse than 99.25% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Ryan Specialty Holdings's Debt-to-Equity or its related term are showing as below:
RYAN'
s Debt-to-Equity Range Over the Past 10 Years
Min: -81.88 Med: 5.05 Max: 2995.44
Current: 7.47
During the past 7 years, the highest Debt-to-Equity Ratio of Ryan Specialty Holdings was 2995.44. The lowest was -81.88. And the median was 5.05.
RYAN's Debt-to-Equity is ranked worse than 99.25% of 400
companies
in the Insurance industry
Industry Median: 0.21
vs RYAN: 7.47
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Ryan Specialty Holdings Debt-to-Equity Related Terms
Ryan Specialty Holdings Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, Ryan Specialty Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ryan Specialty Holdings Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ryan Specialty Holdings's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ryan Specialty Holdings (RYAN) has a Debt-to-Equity of 7.47 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ryan Specialty Holdings and its competitors. This is 48% above median its historical median of 5.05. According to the industry distribution chart, Ryan Specialty Holdings ranks #397 out of 400 companies in the Insurance industry, placing it in the top 99.2%.
Is Ryan Specialty Holdings' Debt-to-Equity too high?
Ryan Specialty Holdings' current Debt-to-Equity of 7.47 is 48% above median its 10-year median of 5.05. The Insurance industry median Debt-to-Equity is 0.21. Ryan Specialty Holdings' value of 7.47 is 3457.1% above this industry median. Based on the distribution chart, Ryan Specialty Holdings ranks #397 out of 400 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Ryan Specialty Holdings has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ryan Specialty Holdings' Debt-to-Equity compare to RDN and ESNT?
According to the Insurance industry distribution chart, Ryan Specialty Holdings ranks #397 out of 400 companies for Debt-to-Equity. This places Ryan Specialty Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Ryan Specialty Holdings' value of 7.47 is 3457.1% above this benchmark. While the company's 10-year median is 5.05 vs. the industry median of 0.21, Ryan Specialty Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ryan Specialty Holdings's current Debt-to-Equity of 7.47 is 3457.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ryan Specialty Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryan Specialty Holdings's current Debt-to-Equity is 7.47, which is 48% above median its own 10-year median of 5.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ryan Specialty Holdings stock overvalued right now?
Based on GuruFocus' analysis, Ryan Specialty Holdings (RYAN) is currently considered Significantly Undervalued. The stock's GF Value™ is $79.92, compared to a current price of $43.87 — trading 45.1% below its estimated fair value. The current Debt-to-Equity is 7.47, which is 48% above median its 10-year median of 5.05 and 3457.1% above the Insurance industry median of 0.21. Ryan Specialty Holdings' overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current Debt-to-Equity is 7.47 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ryan Specialty Holdings (RYAN) Overvalued in 2026?
Based on GuruFocus' analysis, Ryan Specialty Holdings stock appears to be undervalued.
The current stock price of $43.87 is trading 45.1% below its estimated GF Value™ of $79.92.
GuruFocus considers Ryan Specialty Holdings to be Significantly Undervalued.
Key valuation signals for RYAN:
Debt-to-Equity: 7.47 (48% above median its 10-year median of 5.05)
GF Value™: $79.92 vs. price of $43.87 (45.1% below fair value)
Industry Position: 3457.1% above the Insurance median (#397 of 400)
No single metric tells the full story. See the RYAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ryan Specialty Holdings Inc is an international specialty insurance intermediary providing specialty products, solutions, and services for insurance brokers, agents, and carriers. The company offers wholesale insurance brokerage and delegated underwriting authority products and services, including distribution, underwriting, product development, administration, and risk management. Its expertise spans property, casualty, professional lines, transportation, personal lines, workers compensation, and employee benefits insurance, across traditional insurance and alternative risk solutions. The company operates in the United States and foreign markets, with the majority of revenue generated from the United States.
81GF Score
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