RYAN SPECIALTY HOLDINGS, INC. (RYAN)

Insurance Agents, Brokers & Service · Price $43.87
Updated: Aug 29, 2026
Net Income (TTM)
$122.3M
Trailing 12 Months
Growth Rate
25.31%
Log-Linear Regression (16Q)
Price/Earnings
N/A
Valuation Multiple
EPS (Diluted)
N/A
Net Income / Shares
Net Margin
3.80%
Profitability

📈 Net Income History (16 Quarters)

🧮 RYAN Net Income Breakdown

Net Income = Revenue - All Expenses - Taxes - Interest
Revenue (Top Line) $3.2B
Less: Cost of Revenue → Gross Profit N/A
Less: Operating Expenses → Operating Income $477.3M
Less: Interest Expense N/A
Less: Income Tax Expense $39.4M
Equals: Net Income (Bottom Line) $122.3M

Understanding Net Income

Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For RYAN, the trailing twelve month net income is $122.3M.

Why Net Income Matters

Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.

RYAN's net income growth rate of 25.31% (based on log-linear regression of 16 quarters) indicates exceptional profit growth, often valued at premium multiples.

Net Income vs Cash Flow Metrics

Free Cash Flow: $554.6M →

Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.

Owner Earnings: $604.6M →

Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.

EPS (Diluted): $N/A →

Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.

Revenue: $3.2B →

The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.

P/E Ratio Analysis

RYAN's P/E ratio of N/A means investors pay $N/A for every $1 of annual earnings.

Net Margin: Profitability Efficiency

Net margin of 3.80% shows what percentage of RYAN's revenue converts to profit after all costs. Net margins below 5% suggest intense competition or a low-margin business model.

Summary: RYAN Net Income Trend

RYAN SPECIALTY HOLDINGS, INC. (RYAN) has a net margin of 3.80%, which Zyberno classifies as acceptable — within the 3–8% range Zyberno considers typical for businesses across industries. Net income grew at 25.31% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses. For complete financial analysis, view the full RYAN stock report on Zyberno.

Frequently Asked Questions

What is RYAN's current net income?

RYAN SPECIALTY HOLDINGS, INC.'s TTM net income is $122.3M, growing at 25.31% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.

Is RYAN's net income growing?

RYAN SPECIALTY HOLDINGS, INC. (RYAN) has a net margin of 3.80%, which Zyberno classifies as acceptable — within the 3–8% range Zyberno considers typical for businesses across industries. Net income grew at 25.31% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.

What is RYAN's net profit margin?

RYAN SPECIALTY HOLDINGS, INC. (RYAN) has a net margin of 3.80%, which Zyberno classifies as acceptable — within the 3–8% range Zyberno considers typical for businesses across industries. Net income grew at 25.31% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.

What is RYAN's P/E ratio?

RYAN's P/E ratio is N/A, meaning the market values the company at N/A times its annual earnings.

How does net income differ from free cash flow?

Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. RYAN's net income is $122.3M versus free cash flow of $554.6M. Large differences often indicate significant capital expenditures or working capital changes.

📊 Valuation Trilogy
Three interconnected metrics built on Owner Earnings
💎
Intrinsic Value
DCF Fair Value
$83.66
🛡️
Margin of Safety
Valuation Gap
47.6%
🎯
Expected Return
Projected Annual
19.1%
Click any metric for full methodology and detailed analysis

📊 Full RYAN Stock Report

See RYAN's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.

💵 RYAN Free Cash Flow

Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.

💰 RYAN Owner Earnings

Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.

📈 RYAN Earnings Per Share

Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.

🎯 RYAN Earnings Surprise (SUE)

See whether RYAN is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.

📊 RYAN Revenue

Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.

💰 RYAN Net Income

Analyze the bottom-line profit, P/E ratio, and net profit margin trends.

🔶 RYAN Operating Income

Analyze EBIT, operating margin, and core business profitability before interest and taxes.

💜 RYAN Gross Profit

Analyze gross margin, pricing power, and profitability before operating expenses.

View Full RYAN Report Find More Quality Stocks
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