COMP <GO>
RYAN vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Ryan Specialty Holdings Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: RYAN 8
— BAC 6
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: RYAN
LAST: $43.84 (+1.29%) • MKT CAP: $11.07B
balance-sheet
1.15
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
balance-sheet
0.45
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RYAN VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RYAN | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.30% | 2.50% | +7.80 | RYAN | /roic <GO> |
| EV/EBITDA & P/E Valuation | 23.4x | 30.2x | -6.80 | RYAN | /valuation <GO> |
| Free Cash Flow Yield | 4.60% | 2.10% | +2.50 | RYAN | /fcf-yield <GO> |
| Operating Margin | 16.50% | 32.90% | -16.40 | BAC | /operating-margins <GO> |
| Net Profit Margin | 2.10% | 27.00% | -24.90 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 21.90% | 6.80% | +15.10 | RYAN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.55% | 0.00% | +0.55 | RYAN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.15 | 0.45 | +0.70 | RYAN | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 6.60% | +0.40 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.2 | 27.7 | +34.52 | RYAN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 0.90 | +0.14 | RYAN | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 10.9x | +129.10 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $11.07B | $357.61B | -$346.54B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RYAN REV | BAC REV | RYAN GROSS % | BAC GROSS % | RYAN FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.99B | $113.10B | 44.0% | 44.0% | $508.9M | $7.52B |
| FY 2024 | $2.46B | $105.86B | 44.0% | 44.0% | $404.4M | -$13.57B |
| FY 2023 | $2.03B | $102.77B | 44.0% | 44.0% | $386.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RYAN // BETA 1.04
BAC // BETA 0.90