📊 AI Stock Rating — Summary

For the quarter ending September 30, 2025, RYAN reported revenue of $754.6 million and net income of $62.6 million, resulting in an EPS of $0.24. The company demonstrated a net margin of approximately 8.3% and generated $155.5 million in free cash flow. Year over year, RYAN's performance signifies stable growth supported by a series of consistent quarterly dividends of $0.12 each. The company's revenue growth has been steady, but further catalysts could be required for continued momentum. Profitability remains robust with decent EPS, though enhancement of margin efficiency could further benefit shareholders. Free cash flow generation suggests strong cash flow quality, supporting both internal growth and shareholder dividends. RYAN's balance sheet reflects a high debt position with net debt of $3.4 billion against equity of $1.23 billion, indicative of leverage considerations. Analyst price targets, ranging up to $75, suggest a potential upside, although the stock valuation at this stage wasn't explicitly provided. Dividends indicate a shareholder-friendly posture, but no current share repurchase activity signals limited capital returned via buybacks in this period.

AI Score Breakdown

Revenue Growth — Score: 6/10

RYAN has maintained steady revenue with no significant year-over-year changes, indicating stable but modest growth. Key drivers weren't highlighted, suggesting organic and predictable income flows.

Profitability — Score: 7/10

With an EPS of $0.24 and a net margin of 8.3%, RYAN demonstrates good profitability. However, improvement in operating efficiency could bolster this further.

Cash Flow Quality — Score: 8/10

RYAN's free cash flow of $155.5 million indicates strong liquidity. Steady dividends reinforce reliable cash management, despite no buybacks recorded.

Leverage & Balance Sheet — Score: 5/10

The high net debt of $3.4 billion against equity raises concerns on leverage, suggesting moderate financial risk despite a healthy cash position of $1.37 billion.

Shareholder Returns — Score: 6/10

Consistent quarterly dividends are positive; however, no buybacks and flat market performance require more capital appreciation to enhance returns.

Analyst Sentiment & Valuation — Score: 7/10

Analyst targets indicate potential valuation upside, but without explicit P/E or FCF yield figures, RYAN's value relative to peers remains partially unclear. Generally, sentiment appears moderately positive.

⚠ AI-generated — informational only, not financial advice.