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Ryan Specialty HoldingsRYAN +4.43%73 Interest Coverage is 1.88 as of Mar. 2026, which is 31% below its 10-year median of 2.71. GuruFocus rates RYAN with a GF Score™ of 73/100 and a GF Value™ of $74.12 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 352 Insurance companies, Ryan Specialty Holdings ranks worse than 90.34% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Ryan Specialty Holdings's
EBIT
for the
three
months ended in Mar. 2026 was $101 Mil. Ryan Specialty Holdings's Interest Expense for the
three
months ended in Mar. 2026 was $-54 Mil.
Ryan Specialty Holdings's interest coverage for the quarter that ended in Mar. 2026 was 1.88.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Ryan Specialty Holdings Inc interest coverage is 2.31, which is low.
The historical rank and industry rank for Ryan Specialty Holdings's Interest Coverage or its related term are showing as below:
RYAN'
s Interest Coverage Range Over the Past 10 Years
Min: 1.78 Med: 2.71 Max: 2.99
Current: 2.31
RYAN's Interest Coverage is ranked worse than 90.34% of 352
companies
in the Insurance industry
Industry Median: 16.145
vs RYAN: 2.31
Ryan Specialty Holdings (NYSE:RYAN) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Ryan Specialty Holdings Interest Coverage Related Terms
Ryan Specialty Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ryan Specialty Holdings's Interest Coverage can be seen below:
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
RYAN vs RDN, ESNT, MTG: Interest Coverage Comparison
For the Insurance - Specialty subindustry, Ryan Specialty Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ryan Specialty Holdings's Interest Coverage falls into.
Ryan Specialty Holdings Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 1.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ryan Specialty Holdings and its competitors. This is 31% below median its historical median of 2.71. Over the past decade, Ryan Specialty Holdings' Interest Coverage has ranged from 1.78 to 2.99. According to the industry distribution chart, Ryan Specialty Holdings ranks #318 out of 352 companies in the Insurance industry, placing it in the top 90.3%.
Is Ryan Specialty Holdings' Interest Coverage too high?
Ryan Specialty Holdings' current Interest Coverage of 1.88 is 31% below median its 10-year median of 2.71. Over the past 10 years, this metric has ranged from a low of 1.78 to a high of 2.99. The Insurance industry median Interest Coverage is 16.15. Ryan Specialty Holdings' value of 1.88 is 88.4% below this industry median. Based on the distribution chart, Ryan Specialty Holdings ranks #318 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Ryan Specialty Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ryan Specialty Holdings' Interest Coverage compare to RDN and ESNT?
According to the Insurance industry distribution chart, Ryan Specialty Holdings ranks #318 out of 352 companies for Interest Coverage. This places Ryan Specialty Holdings in the lower half of its industry. The industry median Interest Coverage is 16.15. Ryan Specialty Holdings' value of 1.88 is 88.4% below this benchmark. Historically, Ryan Specialty Holdings' own Interest Coverage has ranged from 1.78 to 2.99 over the past decade. While the company's 10-year median is 2.71 vs. the industry median of 16.15, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.15, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ryan Specialty Holdings's current Interest Coverage of 1.88 is 88.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ryan Specialty Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryan Specialty Holdings's current Interest Coverage is 1.88, which is 31% below median its own 10-year median of 2.71. 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 $74.12, compared to a current price of $41.75 — trading 43.7% below its estimated fair value. The current Interest Coverage is 1.88, which is 31% below median its 10-year median of 2.71 and 88.4% below the Insurance industry median of 16.15. Ryan Specialty Holdings' overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current Interest Coverage is 1.88 as of Mar. 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 $41.75 is trading 43.7% below its estimated GF Value™ of $74.12.
GuruFocus considers Ryan Specialty Holdings to be Significantly Undervalued.
Key valuation signals for RYAN:
Interest Coverage: 1.88 (31% below median its 10-year median of 2.71)
GF Value™: $74.12 vs. price of $41.75 (43.7% below fair value)
Industry Position: 88.4% below the Insurance median (#318 of 352)
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.
73GF Score
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