ALL vs. RYAN: Allstate vs. Ryan Specialty Stock Comparison
How do Allstate (ALL) and Ryan Specialty (RYAN) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Allstate (ALL) and Ryan Specialty (RYAN) both belong to the Insurance industry, though ALL is classified under Property & Casualty Insurance while RYAN falls under Insurance Brokers.
Allstate (ALL) has more than two decades of public-market history since June 3, 1993, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.
| Profile Item | ALL | RYAN |
|---|---|---|
| Name | The Allstate Corporation | Ryan Specialty Holdings Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Insurance Brokers |
| Market Capitalization | 63.05 billion USD | 12.10 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 3, 1993 | July 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Total Return (1Y) | 27.36% | -17.50% |
| Total Return (3Y, Annualized) | 27.71% | 2.91% |
| Total Return (5Y, Annualized) | 19.82% | 5.30% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Volatility (1Y, Annualized) | 25.96% | 43.93% |
| Beta (5Y) | 0.13 | 0.52 |
| Max Drawdown (5Y) | -27.35% | -60.94% |
| Avg. Volume (3M) | 1.91M | 1.89M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Sharpe Ratio (1Y) | 0.89 | -0.50 |
| Sortino Ratio (1Y) | 1.28 | -0.67 |
Profitability
ROE (TTM)
Both Allstate (ALL) at 38.93% and Ryan Specialty (RYAN) at 25.15% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
ALL
Insurance industry group
38.93%
- Max
- 41.68%
- ALL
- 38.93%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
RYAN
Insurance industry group
25.15%
- Max
- 41.68%
- RYAN
- 25.15%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Allstate (ALL) at 16.57% keeps about the industry-typical share of revenue as profit, while Ryan Specialty (RYAN) at 3.27% retains only a bottom-quartile share.
ALL
Insurance industry group
16.57%
- Max
- 29.92%
- Q3
- 17.03%
- ALL
- 16.57%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
RYAN
Insurance industry group
3.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- RYAN
- 3.27%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Allstate (ALL) in Insurance and Ryan Specialty (RYAN) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ALL | RYAN |
|---|---|---|
| ROE (TTM) | 38.93% | 25.15% |
| ROA (TTM) | 7.68% | 3.79% |
| Net Margin (TTM) | 16.57% | 3.27% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Allstate (ALL) at 5.60% and Ryan Specialty (RYAN) at 21.28% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while Ryan Specialty (RYAN) at -33.80% is in the bottom quartile, showing a clear gap in earnings momentum.
Growth Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Revenue Growth (YoY) | 5.60% | 21.28% |
| Revenue Growth (3Y CAGR) | 9.84% | 20.93% |
| EPS Growth (YoY) | 124.01% | -33.80% |
| EPS Growth (3Y CAGR) | -- | -3.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Allstate (ALL) in Insurance and Ryan Specialty (RYAN) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Allstate (ALL) in Insurance and Ryan Specialty (RYAN) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Allstate (ALL) at 1.59% and Ryan Specialty (RYAN) at 1.06% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
ALL
Insurance industry group
1.59%
- Max
- 5.12%
- Q3
- 2.15%
- ALL
- 1.59%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
RYAN
Insurance industry group
1.06%
- Max
- 5.12%
- Q3
- 2.15%
- RYAN
- 1.06%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Allstate (ALL) at 9.62% pays out a band-typical share of earnings, while Ryan Specialty (RYAN) at 63.75% distributes more than its industry norm — less retained, thinner cover.
ALL
Insurance industry group
9.62%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ALL
- 9.62%
- Q1
- 0.00%
- Min
- 0.00%
RYAN
Insurance industry group
63.75%
- Max
- 76.67%
- RYAN
- 63.75%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ALL | RYAN |
|---|---|---|
| Dividend Yield (TTM) | 1.59% | 1.06% |
| Dividend Payout Ratio (TTM) | 9.62% | 63.75% |
Valuation
P/E Ratio (TTM)
Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while Ryan Specialty (RYAN) at 59.66 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
ALL
Insurance industry group
5.78
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ALL
- 5.78
- Min
- 2.32
RYAN
Insurance industry group
59.66
- RYAN
- 59.66
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Allstate (ALL) at 0.90 is priced about in line with its industry on P/S ratio, while Ryan Specialty (RYAN) at 3.78 sits in the pricier quartile — RYAN costs more per dollar of sales.
ALL
Insurance industry group
0.90
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- ALL
- 0.90
- Q1
- 0.85
- Min
- 0.07
RYAN
Insurance industry group
3.78
- Max
- 4.03
- RYAN
- 3.78
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Allstate (ALL) at 2.09 sits near its industry’s typical P/B ratio, while Ryan Specialty (RYAN) at 12.86 prices above its benchmark range — RYAN looks rich relative to book.
ALL
Insurance industry group
2.09
- Max
- 5.07
- Q3
- 2.79
- ALL
- 2.09
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
RYAN
Insurance industry group
12.86
- RYAN
- 12.86
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ALL | RYAN |
|---|---|---|
| P/E Ratio (TTM) | 5.78 | 59.66 |
| P/S Ratio (TTM) | 0.90 | 3.78 |
| P/B Ratio (MRQ) | 2.09 | 12.86 |
| Free Cash Flow Yield (TTM) | -- | -- |