Ryan Specialty Holdings (RYAN): $53.28 (+0.30%)
As of Sep-19-2025, 4:10 PM ET 💼🔥

🚀 The Trigger: A Giant Insider Buy

When the guy whose name is literally on the door buys another $14.3 million worth of stock, you pay attention.

• Insider: Patrick G. Ryan (Founder, Exec Chairman, 10% owner)

• Purchase: 276,634 shares @ $51.84

• Owned After: 13.7 million shares 🤯

• Value: $14,340,264

That’s not lunch money. That’s conviction.

🏦 Who Else Is In? The Institutions.

Institutions basically own the float:

• Insiders: 13.62%

• Institutions: 84.89%

• Float held by institutions: 98.27% (!!)

• Number of Institutions Holding: 510

Top dogs:

• Vanguard: 10.32M shares

• BlackRock: 10.05M shares

• Capital World: 6.61M shares

• Principal: +18.9% stake this quarter

• Morgan Stanley: +12.8% stake

Even the shorts are chilling — just 4.53% short interest, down 7.5% month-over-month. 🐻➡️😴

For Ryan Specialty Holdings (RYAN)'s Institutional Ownership breakdown, 🔍 see here

🏢 What Ryan Specialty Does (In Plain English)

Ryan Specialty isn’t your average insurance broker. Think of them as the people who insure the stuff too weird or risky for everyone else.

• Products & Services: Distribution, underwriting, product development, risk management

• Markets Served: US, Canada, Europe, India, Singapore

• Clients: Commercial, industrial, institutional, even government

It’s niche. It’s profitable. It’s specialty insurance.

📈 The Numbers: Q2 2025

Ryan delivered another quarter of growth — not explosive, but resilient:

• Revenue: $855.2M, up 23% YoY

• Organic Growth: 7.1% (down from 14.2% last year)

• Net Income: $124.7M, +5.6%

• EPS: $0.38 (GAAP) | $0.66 (Adjusted)

• EBITDAC Margin: 36.1% (up from 35.6%)

• Dividends/Distributions: $21.9M

Patrick Ryan summed it up: “Resilient, differentiated, long-term growth story.” 🏗️

👉 Want the full picture? Dive into Ryan Specialty Holdings (RYAN)'s financials here.

💸 Valuation: Expensive, But Cheaper Than Before

• Trailing P/E: 133 (ouch 😬)

• Forward P/E: 21 (ah, that’s better 👍)

• Price/Sales: 2.36 (reasonable for growth)

• Price/Book: 11.18 (still premium)

Shares are 30% below their ATH ($77.16 in April 2025). It’s not bargain-bin, but quality rarely is.

⚖️ The Case For RYAN

✅ Specialty insurance = high margins & barriers to entry
✅ Double-digit revenue growth (with M&A help)
✅ Strong institutional + insider alignment
✅ Forward P/E at 21 = finally looks reasonable

🚧 Risks To Watch

⚠️ Organic growth slowing (7.1% vs 14.2% a year ago)
⚠️ Net income growth lagging revenue growth
⚠️ Valuation still premium compared to peers
⚠️ Leverage at 3.5x raises eyebrows 🧐
⚠️ Specialty insurance = cyclical & reliant on macro conditions

💡💡💡 Curious about another deep oil exploration play?
Check our takes on UnitedHealth Group.

🤔 Should You Follow The Insider?

Patrick Ryan clearly thinks so. He’s not buying for fun — he’s already loaded with shares, yet doubled down. Institutions are practically all-in too.

But remember: insurance is the business of managing risk… not eliminating it. For investors, Ryan Specialty is a high-quality, niche growth story with a price tag that’s finally looking closer to fair.

Not a no-brainer, but definitely worth considering.

✅ FAQ Section

Q: Why is insider buying important here?
A: Because Patrick Ryan already owns a mountain of shares. Buying more shows huge confidence.

Q: Is Ryan Specialty a growth stock or a value stock?
A: Growth stock… but priced less insanely than before.

Q: What’s the biggest risk?
A: Slowing organic growth + high leverage. Insurance can get bumpy in a downturn.

⚡ Quick Take / TL;DR

• Founder & Exec Chairman just bought $14M more shares 💼

• Institutions basically own the float (98%!)

• Revenue +23% YoY, profits growing, margins strong

• Valuation: Forward P/E 21 (reasonable, not cheap)

• Risks: slowing organic growth, leverage, premium pricing

👉 Not without risks, but a solid growth play in specialty insurance. 

🧾⚠️📢 Disclaimer: 🧾⚠️📢

Insurance is about managing other people’s risks. Investing in insurance stocks? That’s all you. If your portfolio catches fire, Ryan Specialty probably won’t cover it. 🔥📉

Always DYOR, hold the FOMO, and don’t invest what you can’t afford to lose.

We laugh, we analyze, we meme. We sell jokes and opinions — and yes, we’re billing your sense of humor. 🎪💸 
We’re not financial advisors. We’re FUNancial advisors. 

Invest at your own risk.

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