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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of Jun. 2026, Ryan Specialty Holdings has a Sloan Ratio of -1.78%, indicating the company is in the safe zone and there is no funny business with accruals.
Ryan Specialty Holdings (NYSE:RYAN) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Jun. 2026, Ryan Specialty Holdings has a Sloan Ratio of -1.78%, indicating the company is in the safe zone and there is no funny business with accruals.
Ryan Specialty Holdings Sloan Ratio % Related Terms
Ryan Specialty Holdings Sloan Ratio % 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 Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % 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 Sloan Ratio % vs Insurance Industry
For the Insurance industry and Financial Services sector, Ryan Specialty Holdings's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Ryan Specialty Holdings's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Ryan Specialty Holdings's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Ryan Specialty Holdings's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 31.085 (Sep. 2025 ) + 7.98 (Dec. 2025 ) + 17.646 (Mar. 2026 ) + 42.315 (Jun. 2026 ) = $99 Mil.
Ryan Specialty Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was 169.661 (Sep. 2025 ) + 263.246 (Dec. 2025 ) + -167.411 (Mar. 2026 ) + 293.029 (Jun. 2026 ) = $559 Mil.
Ryan Specialty Holdings's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was -88.198 (Sep. 2025 ) + -126.835 (Dec. 2025 ) + -13.265 (Mar. 2026 ) + -18.723 (Jun. 2026 ) = $-247 Mil.
* 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 Sloan Ratio % of -1.78% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Ryan Specialty Holdings and its competitors.
Is Ryan Specialty Holdings' Sloan Ratio % too high?
Ryan Specialty Holdings' current Sloan Ratio % is -1.78%. 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' Sloan Ratio % compare to RDN and ESNT?
Ryan Specialty Holdings' Sloan Ratio % of -1.78% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for an Insurance company?
A good Sloan Ratio % depends on the Insurance industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Ryan Specialty Holdings and its competitors. Ryan Specialty Holdings's current Sloan Ratio % is -1.78%. 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 Sloan Ratio % is -1.78%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Ryan Specialty Holdings (RYAN), the current Sloan Ratio % is -1.78% 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:
Sloan Ratio %: -1.78%
GF Value™: $79.92 vs. price of $43.87 (45.1% below fair value)
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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Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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