NASDAQ · STOCK
Ryan Specialty
$44.22
52W $29.28 – $61.05
55/100
$5.72B
58.8
0.60
Is RYAN Bullish or Bearish?
Mixed.
Innellis AI committee rates Ryan Specialty (RYAN) Watch with a composite score of 55/100
, based on 7 analysts with 43% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.49 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.51 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 161.7% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 5.17) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 17.2% shows genuine earnings power backing the valuation — Value
- EPS growing 161.7% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- P/E of 107.0 is expensive by classic value standards — Value
- Price-to-book of 21.0x prices in significant intangible value — Value
- Debt-to-equity of 5.17 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 5.17) amplifies downside in a stress scenario — Risk
- Current ratio of 0.98 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 17.4% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
55/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 70%
of 141 Financial Services peers
Value Analyst
bearish
40
/ 100 · High confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
+ ROE of 17.2% shows genuine earnings power backing the valuation
− P/E of 107.0 is expensive by classic value standards
Growth Analyst
bullish
78
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 161.7% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
33
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 5.17) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 18 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 52.5 to 54.5.
- New bearish signals: 4 appeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 8 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, News Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: stance neutral->bullish; score 52->66 (+14); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
59.7
Neutral
MACD Histogram
0.141
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$42.97
Resistance
$44.88
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$43.49
Above
EMA 21
$41.76
Above
EMA 50
$39.14
Above
EMA 200
$42.93
Above
Fundamental Analysis
Valuation
28
Growth
78
Profitability
0
Financial Health
8
Cash Flow
37
Valuation
P/E Ratio
58.8×
P/B Ratio
10.86×
PEG Ratio
1.33
Dividend Yield
0.01%
52W High
$61.05
52W Low
$29.28
Quality & Growth
ROE
9.8%
ROA
0.6%
Gross Margin
66.7%
Operating Margin
19.1%
Revenue Growth YoY
—
Debt / Equity
7.47
AI Fundamental Assessment
P/E ratio of 58.8 (rich relative to a 15-40x range); Price-to-book of 10.9x; PEG ratio of 1.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.7%; Current ratio of 1.00 (tight short-term liquidity); Debt-to-equity of 7.47; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (3.96); Most recent quarter beat estimates by 20.9%; 2 consecutive earnings beats; EPS growth accelerating (+4.4% -> +57.4% QoQ); Average YoY EPS growth of 12.1%; Analyst estimates rising over recent quarters
Get the Full RYAN Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →