WallStSmart

Marsh & McLennan Companies Inc (MMC)vsRyan Specialty Group Holdings Inc (RYAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 736% more annual revenue ($26.45B vs $3.16B). RYAN leads profitability with a 3.1% profit margin vs 0.2%. MMC trades at a lower P/E of 21.9x. MMC earns a higher WallStSmart Score of 62/100 (C+).

MMC

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 4.0Value: 5.0Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

RYAN

Hold

47

out of 100

Grade: D+

Growth: 6.0Profit: 7.5Value: 4.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.61

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMC2 strengths · Avg: 8.5/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

RYAN2 strengths · Avg: 9.0/10
Return on EquityProfitability
36.9%10/10

Every $100 of equity generates 37 in profit

Operating MarginProfitability
25.0%8/10

Strong operational efficiency at 25.0%

Areas to Watch

MMC4 concerns · Avg: 4.0/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

RYAN4 concerns · Avg: 3.0/10
Price/BookValuation
9.1x4/10

Trading at 9.1x book value

Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
55.2x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : MMC

The strongest argument for MMC centers on Market Cap, Free Cash Flow.

Bull Case : RYAN

The strongest argument for RYAN centers on Return on Equity, Operating Margin.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, Revenue Growth, EPS Growth. Thin 0.2% margins leave little buffer for downturns.

Bear Case : RYAN

The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 55.2x leaves little room for execution misses. Debt-to-equity of 7.47 is elevated, increasing financial risk.

Key Dynamics to Monitor

MMC carries more volatility with a beta of 0.75 — expect wider price swings.

RYAN is growing revenue faster at 7.4% — sustainability is the question.

MMC generates stronger free cash flow (2.3B), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MMC scores higher overall (62/100 vs 47/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Marsh & McLennan Companies Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

Ryan Specialty Group Holdings Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.

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