Assured Guaranty Ltd (AGO)vsRyan Specialty Group Holdings Inc (RYAN)
AGO
Assured Guaranty Ltd
$76.63
+2.30%
FINANCIAL SERVICES · Cap: $3.39B
RYAN
Ryan Specialty Group Holdings Inc
$33.26
+2.36%
FINANCIAL SERVICES · Cap: $9.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 281% more annual revenue ($3.10B vs $814.00M). AGO leads profitability with a 51.0% profit margin vs 3.5%. AGO trades at a lower P/E of 8.8x. AGO earns a higher WallStSmart Score of 61/100 (C+).
AGO
Buy61
out of 100
Grade: C+
RYAN
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 24.3%
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
ROE of 7.9% — below average capital efficiency
Revenue declined 6.2%
Earnings declined 44.5%
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AGO
The strongest argument for AGO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 51.0% and operating margin at 24.3%. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : AGO
The primary concerns for AGO are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 42.1x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
AGO profiles as a declining stock while RYAN is a growth play — different risk/reward profiles.
AGO carries more volatility with a beta of 0.76 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
AGO generates stronger free cash flow (190M), providing more financial flexibility.
Bottom Line
AGO scores higher overall (61/100 vs 56/100), backed by strong 51.0% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Assured Guaranty Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Assured Guaranty Ltd., provides credit protection products to the public finance, infrastructure and structured finance markets in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative risk management services tailored to meet the diverse needs of its clients across various sectors. The company leverages its extensive network of insurance wholesale operations and underwriting proficiency to foster effective partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and client outcomes, reinforcing its significance in the dynamic insurance landscape. With a strategic emphasis on growth and operational excellence, Ryan Specialty is well-positioned to create sustainable shareholder value amid an increasingly competitive market.
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