First American Corporation (FAF)vsRyan Specialty Group Holdings Inc (RYAN)
FAF
First American Corporation
$71.04
+1.75%
FINANCIAL SERVICES · Cap: $7.13B
RYAN
Ryan Specialty Group Holdings Inc
$31.31
-1.26%
FINANCIAL SERVICES · Cap: $7.76B
Smart Verdict
WallStSmart Research — data-driven comparison
First American Corporation generates 149% more annual revenue ($7.71B vs $3.10B). FAF leads profitability with a 8.7% profit margin vs 3.5%. FAF trades at a lower P/E of 10.8x. FAF earns a higher WallStSmart Score of 68/100 (B-).
FAF
Strong Buy68
out of 100
Grade: B-
RYAN
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 70.4% YoY
16.2% revenue growth
Earnings expanding 110.1% YoY
Every $100 of equity generates 23 in profit
15.8% revenue growth
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
3.5% margin — thin
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : FAF
The strongest argument for FAF centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 16.2% demonstrates continued momentum.
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 : FAF
The primary concerns for FAF are Altman Z-Score, PEG Ratio, Free Cash Flow.
Bear Case : RYAN
The primary concerns for RYAN are P/E Ratio, Profit Margin, Piotroski F-Score. Debt-to-equity of 5.68 is elevated, increasing financial risk. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
FAF carries more volatility with a beta of 1.30 — expect wider price swings.
FAF is growing revenue faster at 16.2% — sustainability is the question.
FAF generates stronger free cash flow (-33M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FAF scores higher overall (68/100 vs 56/100) and 16.2% revenue growth. Both earn "Strong 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.
First American Corporation
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a prominent provider of specialty insurance solutions, dedicated to delivering innovative risk management services across various sectors. Utilizing its extensive network of insurance wholesale operations and underwriting expertise, the company effectively addresses the complex needs of its clients while fostering strong partnerships with insurers and distribution channels. By harnessing advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client outcomes, solidifying its position as a vital entity in the evolving insurance landscape. With a strong focus on strategic growth initiatives, the company is well-positioned to generate sustainable shareholder value in a competitive market.
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