RYAN Stock Analysis: Buy, Sell, or Hold?
RYAN - Ryan Specialty Holdings, Inc.
$48.28
0.98 (2.07%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 12, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: RYAN shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: RYAN shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$89.17
Based on 11.3% avg growth
INTRINSIC VALUE TODAY
$55.37
12.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 22.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RYAN is currently trading at $48.28, which is considered oversold relative to its 30-day fair value range of $49.05 to $52.27. The stock's valuation (Forward PE: 19.8) is in line with its historical norms (22.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.4% over the next few years. This pessimistic expectation contrasts with the company's recent 110.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RYAN is in a downtrend. Immediate support is located at $46.18, while resistance sits at $53.27.
Market Sentiment: RYAN has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $64.31 (+36.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, RYAN is in a downtrend. Immediate support is located at $46.18, while resistance sits at $53.27.
Market Sentiment: RYAN has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $64.31 (+36.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$49.05 -
$52.27
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding RYAN? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 36.0% below Wall St target ($64.31)
Fair Price Analysis
30-Day Fair Range
$49.05 -
$52.27
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$46.18
Resistance Level
$53.27
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
19.82
Wall Street Target
$64.31
(+36.0%)
Revenue Growth (YoY)
25.7%
Earnings Growth (YoY)
110.1%
Profit Margin
2.4%
Valuation Discount vs History
-3.4% cheaper
PE vs Historical
19.8 vs 22.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.4%
(market-implied from PE analysis)
1-Year Target
$45.69
(-3%)
2-Year Target
$44.14
(-7%)
3-Year Target
$42.64
(-10%)
3-Yr Target (if PE normalizes)
(PE: 20→22)
$47.32
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 18.6%)
$88.67
(+88%)
Base:
(SPY PE: 19.8, Growth: 18.6%)
$78.83
(+67%)
Bear:
(PE: 16.9, Growth: 18.6%)
$67.00
(+42%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (20x PE) as earnings recover.
Forward PE: 20.20 | Forward EPS (Implied): $2.39
Bull Case
$58.30
(+21%)
Analyst growth 15.0%, PE expands to 21.2
Base Case
$48.28
(0%)
Market implied 0.0%, PE stable at 20.2
Bear Case
$36.93
(-24%)
Severe decline -15.0%, PE contracts to 18.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 19.8 to 22.0
Stabilization Target:
$52.49
(+11.0%)
PE Expansion Potential:
+11.0%
Last updated: January 31, 2026 12:05 AM ET
Data refreshes hourly during market hours. Next update: 1:05 AM
Data refreshes hourly during market hours. Next update: 1:05 AM
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Technical Signals Check
Is RYAN showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Patrick G Ryan
BUY
276634 shares
2025-09-12
Patrick G Ryan Jr
BUY
100 shares
2025-09-02
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