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Ryan Specialty HoldingsRYAN +0.85%81 Equity-to-Asset is 0.04 as of Jun. 2026, which is 33% below its 10-year median of 0.06. 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 504 Insurance companies, Ryan Specialty Holdings ranks worse than 91.87% on this metric.
Ryan Specialty Holdings (NYSE:RYAN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Ryan Specialty Holdings Equity-to-Asset Related Terms
Ryan Specialty Holdings Equity-to-Asset 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.
RYAN vs RDN, ESNT, MTG: Equity-to-Asset Comparison
For the Insurance - Specialty subindustry, Ryan Specialty Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ryan Specialty Holdings's Equity-to-Asset falls into.
Ryan Specialty Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Ryan Specialty Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.04 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ryan Specialty Holdings and its competitors. This is 33% below median its historical median of 0.06. According to the industry distribution chart, Ryan Specialty Holdings ranks #463 out of 504 companies in the Insurance industry, placing it in the top 91.9%.
Is Ryan Specialty Holdings' Equity-to-Asset too high?
Ryan Specialty Holdings' current Equity-to-Asset of 0.04 is 33% below median its 10-year median of 0.06. The Insurance industry median Equity-to-Asset is 0.26. Ryan Specialty Holdings' value of 0.04 is 84.6% below this industry median. Based on the distribution chart, Ryan Specialty Holdings ranks #463 out of 504 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' Equity-to-Asset compare to RDN and ESNT?
According to the Insurance industry distribution chart, Ryan Specialty Holdings ranks #463 out of 504 companies for Equity-to-Asset. This places Ryan Specialty Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Ryan Specialty Holdings' value of 0.04 is 84.6% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 0.26, Ryan Specialty Holdings has consistently been below 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ryan Specialty Holdings's current Equity-to-Asset of 0.04 is 84.6% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ryan Specialty Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryan Specialty Holdings's current Equity-to-Asset is 0.04, which is 33% below median its own 10-year median of 0.06. 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 Equity-to-Asset is 0.04, which is 33% below median its 10-year median of 0.06 and 84.6% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current Equity-to-Asset is 0.04 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:
Equity-to-Asset: 0.04 (33% below median its 10-year median of 0.06)
GF Value™: $79.92 vs. price of $43.87 (45.1% below fair value)
Industry Position: 84.6% below the Insurance median (#463 of 504)
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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