RYAN vs. UNM: Ryan Specialty vs. Unum Stock Comparison
How do Ryan Specialty (RYAN) and Unum (UNM) 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 Unum (UNM) both belong to the Insurance industry, though RYAN is classified under Insurance Brokers while UNM falls under Life & Health Insurance.
Unum (UNM) has more than two decades of public-market history since November 6, 1986, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.
| Profile Item | RYAN | UNM |
|---|---|---|
| Name | Ryan Specialty Holdings Inc. | Unum Group |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Insurance Brokers | Life & Health Insurance |
| Market Capitalization | 12.10 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 2021 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RYAN | UNM |
|---|---|---|
| Total Return (1Y) | -17.50% | 4.52% |
| Total Return (3Y, Annualized) | 2.91% | 25.65% |
| Total Return (5Y, Annualized) | 5.30% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RYAN | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 43.93% | 29.31% |
| Beta (5Y) | 0.52 | 0.28 |
| Max Drawdown (5Y) | -60.94% | -23.00% |
| Avg. Volume (3M) | 1.89M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RYAN | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | -0.50 | 0.01 |
| Sortino Ratio (1Y) | -0.67 | 0.01 |
Profitability
ROE (TTM)
Ryan Specialty (RYAN) at 25.15% sits in the top ROE quartile, while Unum (UNM) at 2.25% is in the bottom quartile, showing a clear gap in returns on equity.
RYAN
Insurance industry group
25.15%
- Max
- 41.68%
- RYAN
- 25.15%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
UNM
Insurance industry group
2.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- UNM
- 2.25%
- Min
- -10.66%
Net Margin (TTM)
Both Ryan Specialty (RYAN) at 3.27% and Unum (UNM) at 1.94% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
RYAN
Insurance industry group
3.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- RYAN
- 3.27%
- Min
- -4.68%
UNM
Insurance industry group
1.94%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- UNM
- 1.94%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Ryan Specialty (RYAN) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RYAN | UNM |
|---|---|---|
| ROE (TTM) | 25.15% | 2.25% |
| ROA (TTM) | 3.79% | 0.51% |
| Net Margin (TTM) | 3.27% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Ryan Specialty (RYAN) at 21.28% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Ryan Specialty (RYAN) at -33.80% and Unum (UNM) at -54.86% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | RYAN | UNM |
|---|---|---|
| Revenue Growth (YoY) | 21.28% | 1.52% |
| Revenue Growth (3Y CAGR) | 20.93% | 3.02% |
| EPS Growth (YoY) | -33.80% | -54.86% |
| EPS Growth (3Y CAGR) | -3.31% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ryan Specialty (RYAN) in Insurance and Unum (UNM) 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 Unum (UNM) 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 | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Ryan Specialty (RYAN) at 1.06% pays a more typical yield — both are credible income propositions, UNM the richer one.
RYAN
Insurance industry group
1.06%
- Max
- 5.12%
- Q3
- 2.15%
- RYAN
- 1.06%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
2.61%
- Max
- 5.12%
- UNM
- 2.61%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Ryan Specialty (RYAN) reports 63.75%, ranking against industry peers normally.
RYAN
Insurance industry group
63.75%
- Max
- 76.67%
- RYAN
- 63.75%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
128.23%
- UNM
- 128.23%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | RYAN | UNM |
|---|---|---|
| Dividend Yield (TTM) | 1.06% | 2.61% |
| Dividend Payout Ratio (TTM) | 63.75% | 128.23% |
Valuation
P/E Ratio (TTM)
Both Ryan Specialty (RYAN) at 59.66 and Unum (UNM) at 52.21 trade above their industries’ P/E ratio peer ranges, pointing to unusually expensive trailing earnings relative to peers.
RYAN
Insurance industry group
59.66
- RYAN
- 59.66
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
UNM
Insurance industry group
52.21
- UNM
- 52.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Unum (UNM) at 0.95 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
UNM
Insurance industry group
0.95
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- UNM
- 0.95
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Unum (UNM) at 1.11 sits in the lower P/B ratio quartile relative to book while Ryan Specialty (RYAN) at 12.86 prices above its industry range — a wide valuation gap against assets.
RYAN
Insurance industry group
12.86
- RYAN
- 12.86
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
UNM
Insurance industry group
1.11
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- UNM
- 1.11
- Min
- 0.30
Valuation Metrics
| Metric | RYAN | UNM |
|---|---|---|
| P/E Ratio (TTM) | 59.66 | 52.21 |
| P/S Ratio (TTM) | 3.78 | 0.95 |
| P/B Ratio (MRQ) | 12.86 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |