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Ryan Specialty HoldingsRYAN +4.43%73 ROE % is 10.99% as of Mar. 2026, which is 26% below its 10-year median of 14.85. 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 504 Insurance companies, Ryan Specialty Holdings ranks better than 72.02% on this metric.
The historical rank and industry rank for Ryan Specialty Holdings's ROE % or its related term are showing as below:
RYAN'
s ROE % Range Over the Past 10 Years
Min: 9.94 Med: 14.85 Max: 31.86
Current: 17.72
During the past 7 years, Ryan Specialty Holdings's highest ROE % was 31.86%. The lowest was 9.94%. And the median was 14.85%.
RYAN's ROE % is ranked better than 72.02% of 504
companies
in the Insurance industry
Industry Median: 11.635
vs RYAN: 17.72
Ryan Specialty Holdings (NYSE:RYAN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Ryan Specialty Holdings's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Ryan Specialty Holdings (RYAN) has a ROE % of 10.99% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Ryan Specialty Holdings and its competitors. This is 26% below median its historical median of 14.85. Over the past decade, Ryan Specialty Holdings' ROE % has ranged from 9.94 to 31.86. According to the industry distribution chart, Ryan Specialty Holdings ranks #141 out of 504 companies in the Insurance industry, placing it in the top 28%.
Is Ryan Specialty Holdings' ROE % too high?
Ryan Specialty Holdings' current ROE % of 10.99% is 26% below median its 10-year median of 14.85. Over the past 10 years, this metric has ranged from a low of 9.94 to a high of 31.86. The Insurance industry median ROE % is 11.64. Ryan Specialty Holdings' value of 10.99% is 5.5% below this industry median. Based on the distribution chart, Ryan Specialty Holdings ranks #141 out of 504 companies in the Insurance industry, which is above the industry midpoint. 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' ROE % compare to RDN and ESNT?
According to the Insurance industry distribution chart, Ryan Specialty Holdings ranks #141 out of 504 companies for ROE %. This puts Ryan Specialty Holdings in the upper half of its industry. The industry median ROE % is 11.64. Ryan Specialty Holdings' value of 10.99% is 5.5% below this benchmark. Historically, Ryan Specialty Holdings' own ROE % has ranged from 9.94 to 31.86 over the past decade. While the company's 10-year median is 14.85 vs. the industry median of 11.64, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ryan Specialty Holdings's current ROE % of 10.99% is 5.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Ryan Specialty Holdings and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryan Specialty Holdings's current ROE % is 10.99%, which is 26% below median its own 10-year median of 14.85. 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 ROE % is 10.99%, which is 26% below median its 10-year median of 14.85 and 5.5% below the Insurance industry median of 11.64. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current ROE % is 10.99% 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:
ROE %: 10.99% (26% below median its 10-year median of 14.85)
GF Value™: $74.12 vs. price of $41.75 (43.7% below fair value)
Industry Position: 5.5% below the Insurance median (#141 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.
73GF Score
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