RYAN vs. TRV: Ryan Specialty vs. Travelers Stock Comparison
How do Ryan Specialty (RYAN) and Travelers (TRV) 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
Ryan Specialty (RYAN) and Travelers (TRV) both belong to the Insurance industry, though RYAN is classified under Insurance Brokers while TRV falls under Property & Casualty Insurance.
Travelers (TRV) has more than two decades of public-market history since November 17, 1975, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.
| Profile Item | RYAN | TRV |
|---|---|---|
| Name | Ryan Specialty Holdings Inc. | The Travelers Companies, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Insurance Brokers | Property & Casualty Insurance |
| Market Capitalization | 12.10 billion USD | 80.98 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 2021 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RYAN | TRV |
|---|---|---|
| Total Return (1Y) | -17.50% | 43.06% |
| Total Return (3Y, Annualized) | 2.91% | 35.01% |
| Total Return (5Y, Annualized) | 5.30% | 22.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RYAN | TRV |
|---|---|---|
| Volatility (1Y, Annualized) | 43.93% | 20.86% |
| Beta (5Y) | 0.52 | 0.39 |
| Max Drawdown (5Y) | -60.94% | -18.90% |
| Avg. Volume (3M) | 1.89M | 1.46M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RYAN | TRV |
|---|---|---|
| Sharpe Ratio (1Y) | -0.50 | 1.86 |
| Sortino Ratio (1Y) | -0.67 | 3.16 |
Profitability
ROE (TTM)
Both Ryan Specialty (RYAN) at 25.15% and Travelers (TRV) at 27.50% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
RYAN
Insurance industry group
25.15%
- Max
- 41.68%
- RYAN
- 25.15%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
TRV
Insurance industry group
27.50%
- Max
- 41.68%
- TRV
- 27.50%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Travelers (TRV) at 17.03% keeps about the industry-typical share of revenue as profit, while Ryan Specialty (RYAN) at 3.27% retains only a bottom-quartile share.
RYAN
Insurance industry group
3.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- RYAN
- 3.27%
- Min
- -4.68%
TRV
Insurance industry group
17.03%
- Max
- 29.92%
- TRV
- 17.03%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Ryan Specialty (RYAN) in Insurance and Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RYAN | TRV |
|---|---|---|
| ROE (TTM) | 25.15% | 27.50% |
| ROA (TTM) | 3.79% | 4.73% |
| Net Margin (TTM) | 3.27% | 17.03% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Ryan Specialty (RYAN) at 21.28% and Travelers (TRV) at 5.17% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Travelers (TRV) at 27.76% is around its peer norm for EPS growth, while Ryan Specialty (RYAN) at -33.80% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | RYAN | TRV |
|---|---|---|
| Revenue Growth (YoY) | 21.28% | 5.17% |
| Revenue Growth (3Y CAGR) | 20.93% | 9.79% |
| EPS Growth (YoY) | -33.80% | 27.76% |
| EPS Growth (3Y CAGR) | -3.31% | 32.58% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ryan Specialty (RYAN) in Insurance and Travelers (TRV) 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: Ryan Specialty (RYAN) in Insurance and Travelers (TRV) 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 | RYAN | TRV |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Ryan Specialty (RYAN) at 1.06% and Travelers (TRV) at 1.17% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
RYAN
Insurance industry group
1.06%
- Max
- 5.12%
- Q3
- 2.15%
- RYAN
- 1.06%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
1.17%
- Max
- 5.12%
- Q3
- 2.15%
- TRV
- 1.17%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Travelers (TRV) at 12.36% 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.
RYAN
Insurance industry group
63.75%
- Max
- 76.67%
- RYAN
- 63.75%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
12.36%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- TRV
- 12.36%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | RYAN | TRV |
|---|---|---|
| Dividend Yield (TTM) | 1.06% | 1.17% |
| Dividend Payout Ratio (TTM) | 63.75% | 12.36% |
Valuation
P/E Ratio (TTM)
Travelers (TRV) at 10.39 is near its industry’s usual P/E ratio, while Ryan Specialty (RYAN) at 59.66 sits above its peer range — an unusually expensive price for RYAN’s trailing earnings.
RYAN
Insurance industry group
59.66
- RYAN
- 59.66
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
TRV
Insurance industry group
10.39
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- TRV
- 10.39
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Travelers (TRV) at 1.66 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.
RYAN
Insurance industry group
3.78
- Max
- 4.03
- RYAN
- 3.78
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
TRV
Insurance industry group
1.66
- Max
- 4.03
- Q3
- 2.25
- TRV
- 1.66
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Travelers (TRV) at 2.79 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.
RYAN
Insurance industry group
12.86
- RYAN
- 12.86
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
TRV
Insurance industry group
2.79
- Max
- 5.07
- TRV
- 2.79
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | RYAN | TRV |
|---|---|---|
| P/E Ratio (TTM) | 59.66 | 10.39 |
| P/S Ratio (TTM) | 3.78 | 1.66 |
| P/B Ratio (MRQ) | 12.86 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |