RYAN
Ryan Specialty Holdings, Inc.
Insurance - Specialty
Market Cap$3.81B
5Y Perf.-0.4%
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Stock Comparison
RYAN vs CB
Revenue, margins, valuation, and 5-year total return — side by side.
CB
Chubb Limited
Insurance - Property & Casualty
Market Cap$125.61B
5Y Perf.+90.8%
RYAN vs CB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RYAN | CB |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Property & Casualty |
| Market Cap | $3.81B | $125.61B |
| Revenue (TTM) | $3.16B | $59.77B |
| Net Income (TTM) | $132M | $10.31B |
| Gross Margin | 69.4% | 29.4% |
| Operating Margin | 16.6% | 21.8% |
| Forward P/E | 13.8x | 11.9x |
| Total Debt | $3.53B | $22.19B |
| Cash & Equiv. | $158M | $2.47B |
RYAN vs CB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RYAN
CB
| Stock | Jul 21 | May 26 | Return |
|---|---|---|---|
| Ryan Specialty Hold… (RYAN) | 100 | 99.6 | -0.4% |
| Chubb Limited (CB) | 100 | 190.8 | +90.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RYAN vs CB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CB leads in 6 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Ryan Specialty Holdings, Inc. is the stronger pick specifically for growth and revenue expansion. As sector peers, any of these can serve as alternatives in the same allocation.
RYAN
Ryan Specialty Holdings, Inc.
The Insurance Pick
RYAN is the clearest fit if your priority is growth exposure.
- Rev growth 21.3%, EPS growth -33.8%, 3Y rev CAGR 20.9%
- 21.3% revenue growth vs CB's 6.5%
Best for: growth exposure
CB
Chubb Limited
The Insurance Pick
CB carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 9 yrs, beta -0.01, yield 1.2%
- 189.4% 10Y total return vs RYAN's 11.5%
- Lower volatility, beta -0.01, Low D/E 27.8%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RYAN | 21.3% revenue growth vs CB's 6.5% |
| Value | CB | Lower P/E (11.9x vs 13.8x) |
| Quality / Margins | CB | Combined ratio 0.8 vs RYAN's 0.8 (lower = better underwriting) |
| Stability / Safety | CB | Lower D/E ratio (27.8% vs 281.5%) |
| Dividends | CB | 1.2% yield, 9-year raise streak, vs RYAN's 0.8% |
| Momentum (1Y) | CB | +12.7% vs RYAN's -56.8% |
| Efficiency (ROA) | CB | 4.0% ROA vs RYAN's 1.3%, ROIC 10.8% vs 10.8% |
RYAN vs CB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
RYAN vs CB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCBLAGGINGRYAN
RYANRyan Specialty Holdin…
0leads
CBChubb Limited
4leads
6 Total Categories
CATEGORYLEADERvs RYANMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CB6/6
Risk & VolatilityBeta, volatility, and downside exposure
CB2/2
Analyst OutlookRatings, price targets, and dividends
CB2/2
Income & Cash Flow (Last 12 Months)
Evenly matched — RYAN and CB each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CB is the larger business by revenue, generating $59.8B annually — 18.9x RYAN's $3.2B. CB is the more profitable business, keeping 17.2% of every revenue dollar as net income compared to RYAN's 4.2%. On growth, RYAN holds the edge at +15.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $59.8B |
| EBITDAEarnings before interest/tax | $743M | $13.3B |
| Net IncomeAfter-tax profit | $132M | $10.3B |
| Free Cash FlowCash after capex | $555M | $13.5B |
| Gross MarginGross profit ÷ Revenue | +69.4% | +29.4% |
| Operating MarginEBIT ÷ Revenue | +16.6% | +21.8% |
| Net MarginNet income ÷ Revenue | +4.2% | +17.2% |
| FCF MarginFCF ÷ Revenue | +17.6% | +22.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.2% | +7.9% |
| EPS Growth (YoY)Latest quarter vs prior year | +2.4% | +28.0% |
Evenly matched — RYAN and CB each lead in 3 of 6 comparable metrics.
Valuation Metrics
Evenly matched — RYAN and CB each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 12.5x trailing earnings, CB trades at a 80% valuation discount to RYAN's 62.5x P/E. On an enterprise value basis, RYAN's 7.9x EV/EBITDA is more attractive than CB's 10.9x.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| Market CapShares × price | $3.8B | $125.6B |
| Enterprise ValueMkt cap + debt − cash | $7.2B | $145.3B |
| Trailing P/EPrice ÷ TTM EPS | 62.53x | 12.51x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.81x | 11.89x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.46x |
| EV / EBITDAEnterprise value multiple | 7.87x | 10.89x |
| Price / SalesMarket cap ÷ Revenue | 1.25x | 2.10x |
| Price / BookPrice ÷ Book value/share | 6.53x | 1.60x |
| Price / FCFMarket cap ÷ FCF | 6.62x | 8.64x |
Evenly matched — RYAN and CB each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
CB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CB delivers a 13.6% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $11 for RYAN. CB carries lower financial leverage with a 0.28x debt-to-equity ratio, signaling a more conservative balance sheet compared to RYAN's 2.82x. On the Piotroski fundamental quality scale (0–9), CB scores 7/9 vs RYAN's 6/9, reflecting strong financial health.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| ROE (TTM)Return on equity | +10.8% | +13.6% |
| ROA (TTM)Return on assets | +1.3% | +4.0% |
| ROICReturn on invested capital | +10.8% | +10.8% |
| ROCEReturn on capital employed | +6.4% | +5.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 2.82x | 0.28x |
| Net DebtTotal debt minus cash | $3.4B | $19.7B |
| Cash & Equiv.Liquid assets | $158M | $2.5B |
| Total DebtShort + long-term debt | $3.5B | $22.2B |
| Interest CoverageEBIT ÷ Interest expense | 2.29x | 18.07x |
CB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CB five years ago would be worth $19,590 today (with dividends reinvested), compared to $11,153 for RYAN. Over the past 12 months, CB leads with a +12.7% total return vs RYAN's -56.8%. The 3-year compound annual growth rate (CAGR) favors CB at 18.6% vs RYAN's -10.9% — a key indicator of consistent wealth creation.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| YTD ReturnYear-to-date | -41.7% | +4.1% |
| 1-Year ReturnPast 12 months | -56.8% | +12.7% |
| 3-Year ReturnCumulative with dividends | -29.2% | +66.7% |
| 5-Year ReturnCumulative with dividends | +11.5% | +95.9% |
| 10-Year ReturnCumulative with dividends | +11.5% | +189.4% |
| CAGR (3Y)Annualised 3-year return | -10.9% | +18.6% |
CB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
CB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CB is the less volatile stock with a -0.01 beta — it tends to amplify market swings less than RYAN's 0.23 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CB currently trades 93.1% from its 52-week high vs RYAN's 40.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.23x | -0.01x |
| 52-Week HighHighest price in past year | $72.50 | $345.67 |
| 52-Week LowLowest price in past year | $29.37 | $264.10 |
| % of 52W HighCurrent price vs 52-week peak | +40.5% | +93.1% |
| RSI (14)Momentum oscillator 0–100 | 31.7 | 43.7 |
| Avg Volume (50D)Average daily shares traded | 2.1M | 1.6M |
CB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates RYAN as "Buy" and CB as "Buy". Consensus price targets imply 55.2% upside for RYAN (target: $46) vs 7.0% for CB (target: $344). For income investors, CB offers the higher dividend yield at 1.18% vs RYAN's 0.76%.
| Metric | RYANRyan Specialty Ho… | CBChubb Limited |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $45.60 | $344.33 |
| # AnalystsCovering analysts | 19 | 43 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +1.2% |
| Dividend StreakConsecutive years of raises | 0 | 9 |
| Dividend / ShareAnnual DPS | $0.22 | $3.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +2.9% |
CB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
CB leads in 4 of 6 categories — strongest in Profitability & Efficiency and Total Returns. 2 categories are tied.
Best OverallChubb Limited (CB)Leads 4 of 6 categories
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RYAN vs CB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is RYAN or CB a better buy right now?
For growth investors, Ryan Specialty Holdings, Inc.
(RYAN) is the stronger pick with 21. 3% revenue growth year-over-year, versus 6. 5% for Chubb Limited (CB). Chubb Limited (CB) offers the better valuation at 12. 5x trailing P/E (11. 9x forward), making it the more compelling value choice. Analysts rate Ryan Specialty Holdings, Inc. (RYAN) a "Buy" — based on 19 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — RYAN or CB?
On trailing P/E, Chubb Limited (CB) is the cheapest at 12.
5x versus Ryan Specialty Holdings, Inc. at 62. 5x. On forward P/E, Chubb Limited is actually cheaper at 11. 9x.
03Which is the better long-term investment — RYAN or CB?
Over the past 5 years, Chubb Limited (CB) delivered a total return of +95.
9%, compared to +11. 5% for Ryan Specialty Holdings, Inc. (RYAN). Over 10 years, the gap is even starker: CB returned +189. 4% versus RYAN's +11. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — RYAN or CB?
By beta (market sensitivity over 5 years), Chubb Limited (CB) is the lower-risk stock at -0.
01β versus Ryan Specialty Holdings, Inc. 's 0. 23β — meaning RYAN is approximately -4391% more volatile than CB relative to the S&P 500. On balance sheet safety, Chubb Limited (CB) carries a lower debt/equity ratio of 28% versus 3% for Ryan Specialty Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — RYAN or CB?
By revenue growth (latest reported year), Ryan Specialty Holdings, Inc.
(RYAN) is pulling ahead at 21. 3% versus 6. 5% for Chubb Limited (CB). On earnings-per-share growth, the picture is similar: Chubb Limited grew EPS 13. 3% year-over-year, compared to -33. 8% for Ryan Specialty Holdings, Inc.. Over a 3-year CAGR, RYAN leads at 20. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — RYAN or CB?
Chubb Limited (CB) is the more profitable company, earning 17.
2% net margin versus 2. 1% for Ryan Specialty Holdings, Inc. — meaning it keeps 17. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CB leads at 21. 8% versus 20. 5% for RYAN. At the gross margin level — before operating expenses — RYAN leads at 90. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is RYAN or CB more undervalued right now?
On forward earnings alone, Chubb Limited (CB) trades at 11.
9x forward P/E versus 13. 8x for Ryan Specialty Holdings, Inc. — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RYAN: 55. 2% to $45. 60.
08Which pays a better dividend — RYAN or CB?
All stocks in this comparison pay dividends.
Chubb Limited (CB) offers the highest yield at 1. 2%, versus 0. 8% for Ryan Specialty Holdings, Inc. (RYAN).
09Is RYAN or CB better for a retirement portfolio?
For long-horizon retirement investors, Chubb Limited (CB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
01), 1. 2% yield, +189. 4% 10Y return). Both have compounded well over 10 years (CB: +189. 4%, RYAN: +11. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between RYAN and CB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: RYAN is a small-cap high-growth stock; CB is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(RYAN: 15.2% · CB: 7.9%)Net Margin>
%
(RYAN: 4.2% · CB: 17.2%)P/E Ratio<
x
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