Ryan Specialty Group Holdings Inc (RYAN)vsTiptree Inc (TIPT)
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
TIPT
Tiptree Inc
$16.41
+0.92%
FINANCIAL SERVICES · Cap: $720.54M
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 45% more annual revenue ($2.99B vs $2.07B). TIPT leads profitability with a 2.4% profit margin vs 2.1%. TIPT trades at a lower P/E of 16.6x. RYAN earns a higher WallStSmart Score of 54/100 (C-).
RYAN
Buy54
out of 100
Grade: C-
TIPT
Hold48
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
Margin of Safety
-125.6%
Fair Value
$7.82
Current Price
$16.41
$8.59 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 110.1% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
Smaller company, higher risk/reward
2.4% margin — thin
Expensive relative to growth rate
Earnings declined 56.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% demonstrates continued momentum.
Bull Case : TIPT
The strongest argument for TIPT centers on Price/Book, P/E Ratio.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Bear Case : TIPT
The primary concerns for TIPT are Market Cap, Profit Margin, PEG Ratio. Thin 2.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
TIPT carries more volatility with a beta of 1.20 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RYAN scores higher overall (54/100 vs 48/100) and 13.6% revenue growth. 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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
Visit Website →Tiptree Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Tiptree Inc., underwrites and manages specialty insurance products primarily in the United States. The company is headquartered in New York, New York.
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