RYAN (Ryan Specialty Holdings) Moat Score: 5/10 (As of Aug. 29, 2026)

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RYAN Ryan Specialty Holdings Inc RYAN
81 GF Score
Price $43.87
GF Value $79.92
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Ryan Specialty Holdings Moat Score?

Ryan Specialty Holdings RYAN +0.85% 81 Moat Score is 5 as of Aug. 29, 2026. 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 592 Insurance companies, Ryan Specialty Holdings ranks better than 88.68% on this metric.

Ryan Specialty Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Ryan Specialty Holdings has Narrow Moat: Ryan Specialty Holdings has a solid narrow moat with a strong distribution network and some customer loyalty. Its niche market focus provides a competitive edge, but it lacks the scale and regulatory barriers for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ryan Specialty Holdings might have Narrow Moat - Solid narrow moat.

Ryan Specialty Holdings  (NYSE:RYAN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ryan Specialty Holdings Moat Score Related Terms

RYAN vs RDN, ESNT, MTG: Moat Score Comparison

For the Insurance - Specialty subindustry, Ryan Specialty Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Ryan Specialty Holdings's Moat Score falls into.


RYAN
81GF Score
Ryan Specialty Holdings Inc RYAN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Ryan Specialty Holdings (RYAN) has a Moat Score of 5 as of Aug. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ryan Specialty Holdings ranks #67 out of 592 companies in the Insurance industry, placing it in the top 11.3%.
Is Ryan Specialty Holdings' Moat Score too high?
Ryan Specialty Holdings' current Moat Score is 5. Based on the distribution chart, Ryan Specialty Holdings ranks #67 out of 592 companies in the Insurance industry, which is in the top quartile — a strong position 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' Moat Score compare to RDN and ESNT?
According to the Insurance industry distribution chart, Ryan Specialty Holdings ranks #67 out of 592 companies for Moat Score. This places Ryan Specialty Holdings in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ryan Specialty Holdings's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current Moat Score is 5 as of Aug. 29, 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:

  • Moat Score: 5
  • GF Value™: $79.92 vs. price of $43.87 (45.1% below fair value)
  • GF Score™: 81/100 with 5 warning signs

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 Business Description

Address 155 North Wacker Drive, Suite 4000, Chicago, IL, USA, 60606
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.87
Price
$79.92
GF Value