Ryan Specialty Holdings, Inc. (RYAN) Fair Value 2026

RYAN · Insurance - Specialty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (14/100)

Quick Summary — As of 2026-08-31, Ryan Specialty Holdings, Inc. (RYAN) trades at $42.18, versus a $3.55 median fair value across its 3 active models — 91.6% below the current price. QOC: 7.8/10. Value Trap Risk: 14/100 (SAFE). 3/13 models active.

Key Facts

Ticker
RYAN
Price
$42.18
Quality Score
7.8/10
Value Trap Risk
14/100
Models Active
3/13
Last Updated
Strength: 3 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Ryan Specialty Holdings, Inc. (RYAN) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Ryan Specialty Holdings, Inc. (RYAN) appears overvalued as of : the median of 3 independent fair value estimates is $3.55, 91.6% below the current price of $42.18. Estimates range from $3.45 to $29.89. RYAN scores 7.8/10 on fundamental quality and 14/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. RYAN’s -91.6% gap is wider than that market norm, and the Insurance - Specialty sector median is +11.6%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Ryan Specialty Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give RYAN?

3 Intrinsic Value Models vs. Current Price ($42.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $3.45 -91.8%
Relative · Medium Conviction
 $29.89 -29.1%
Relative · Low Conviction
 $3.55 -91.6%

All Models Active

All 3 models are displayed above.

What Is RYAN's Fair Value Range?

Spread across 3 independent models · $3.45 to $29.89

CirclFi's 3 active models place Ryan Specialty Holdings, Inc. (RYAN) between $3.45 and $29.89 per share, a spread of 744% of the median. The median of that range — $3.55 — is the fair value CirclFi publishes for RYAN, against a current price of $42.18.

Low · Markov DDMHigh · Regime Cross
$3.45median $3.55$29.89
Where the range comes from
Most bearish modelMarkov DDM$3.45
Most bullish modelRegime Cross-Sectional$29.89
Model agreement0 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RYAN. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RYAN, not a CirclFi price target. How each model works →

What Is Ryan Specialty Holdings, Inc. (RYAN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Ryan Specialty Holdings, Inc.'s intrinsic value is estimated at $3.55. Trading at its current price of $42.18, the valuation engine raises significant caution: 3 of 3 models flag downside risk, projecting a median implied return of -91.6%. Model dispersion is worth noting: Regime Cross targets $29.89 (-29.1%), versus Markov DDM at $3.45 (-91.8%). This +62.7% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About RYAN?

3 of 13 models are currently active for RYAN. All 3 active models suggest the stock trades above fair value. Taken together, their median fair value for RYAN is $3.55 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RYAN Rank in Insurance - Specialty?

Among 17 Insurance - Specialty stocks, RYAN ranks #10 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

Ryan Specialty Holdings, Inc.'s positioning within the Insurance - Specialty segment means that premium growth rate plays an outsized role in fundamental analysis. The sector's unique characteristics — including investment income yield — shape both the opportunity set and risk profile.

Is RYAN a Value Trap?

CirclFi's Value Trap algorithm assigns RYAN a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Ryan Specialty Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Ryan Specialty Holdings, Inc. earns a quality score of 7.8/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +62.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RYAN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RYAN's 3 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Ryan Specialty Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Specialty Stocks Should You Also Analyze?

10 related Insurance - Specialty stocks with 13-model coverage

AMSFAMERISAFE, Inc.QOC 7.8AGOAssured Guaranty Ltd.QOC 7.8FNFFidelity National Financial, Inc.QOC 7.9RDNRadian Group Inc.QOC 7.6FAFFirst American Financial CorporationQOC 7.9EIGEmployers Holdings, Inc.QOC 7.5STLYHG Holdings, Inc.QOC 7.0NMIHNMI Holdings, Inc.QOC 9.3AXSAXIS Capital Holdings LimitedQOC 8.1ESNTEssent Group Ltd.QOC 9.1

Read investment analysis: AMSF · AGO · FNF · RDN · FAF · EIG · STLY · NMIH · AXS · ESNT

Which Other Stocks Have a Similar Quality Score to RYAN?

7 companies across all industries closest to RYAN’s Quality of Company score of 7.8/10.

BURLBurlington Stores, Inc.QOC 7.8DOLEDole plcQOC 7.8AMKRAmkor Technology, Inc.QOC 7.8BIOBio-Rad Laboratories, Inc.QOC 7.8FRFirst Industrial Realty Trust, Inc.QOC 7.8ISTRInvestar Holding CorporationQOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BURL · DOLE · AMKR · BIO · FR · ISTR · NVDA

What Else Do Investors Ask About Ryan Specialty Holdings, Inc.’s Valuation?

What is Ryan Specialty Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Ryan Specialty Holdings, Inc. (RYAN)'s intrinsic value at $3.55 — the median of 3 independent model estimates as of 2026-08-31, ranging from $3.45 to $29.89. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RYAN overvalued or undervalued right now?

At $42.18, 0 of 3 active models suggest RYAN may be undervalued, while 3 indicate potential overvaluation. The median of all 3 fair value estimates is $3.55, 91.6% below the current price of $42.18 — a consensus view that RYAN is overvalued. The assessment depends on which methodology best fits Ryan Specialty Holdings, Inc.'s business model in Insurance - Specialty.

What does a Quality of Company score of 7.8 mean for RYAN?

Ryan Specialty Holdings, Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RYAN?

CirclFi analyzes RYAN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RYAN?

Of the 3 models currently active on RYAN, Regime Cross-Sectional is the most bullish at $29.89 per share, and Markov DDM is the most bearish at $3.45. CirclFi's published fair value for RYAN is the median of that range, $3.55, not either extreme. The gap between the two ends equals 744% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RYAN a value trap in 2026?

Ryan Specialty Holdings, Inc.'s Value Trap score is 14/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Ryan Specialty Holdings, Inc. (RYAN) has a median fair value of $3.55 — 91.6% below the current price of $42.18 — as of 2026-08-31.” Source: circlfi.com/stock/RYAN/ · Methodology
Primary sources for this RYAN valuation
  • Financial statements: Ryan Specialty Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001849253) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RYAN as of ; valuations recomputed .