Ryan SpecialtySprott Physical Gold Trust

Ryan Specialty vs Sprott Physical Gold Trust

Ryan Specialty Holdings Inc and Sprott Physical Gold Trust: this page compares their business models, financial performance, and market context in a neutral, accessible way. It highlights how each org...

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Investment Analysis

Ryan Specialty

Pros

  • Ryan Specialty Holdings showed strong revenue growth of 25% in Q3 2025, driven by 15% organic growth and effective acquisitions.
  • The company raised its full-year 2025 guidance, signaling management’s confidence in ongoing growth prospects.
  • Ryan Specialty operates in diverse insurance specialty lines across multiple regions, supporting business resilience and market reach.

Considerations

  • Despite recent growth, the stock’s year-to-date performance remains down 12%, with a negative total shareholder return over the past year of about 20%.
  • The company’s trailing twelve-month net income margin is low relative to revenue growth, with a net income of $57.82 million on $2.75 billion revenue.
  • Ryan Specialty has a high forward price-to-earnings ratio around 24.38, implying elevated valuation risk if growth disappoints.
Sprott Physical Gold Trust

Pros

  • Sprott Physical Gold Trust holds over 3.7 million ounces of physical gold, providing direct bullion exposure backed by substantial assets.
  • The trust has delivered strong year-to-date returns above 50%, benefiting from gold price appreciation over the past 12 months.
  • With a low beta of around 0.10, PHYS offers relatively low volatility compared to equities, appealing in risk-averse environments.

Considerations

  • PHYS consistently trades at a discount to its net asset value, currently about 2.56% below NAV, which may affect investor returns.
  • The expense ratio near 0.39-0.41% could weigh on long-term returns compared to direct gold ownership or other lower-cost funds.
  • Physical gold prices are sensitive to macroeconomic and geopolitical factors, introducing risks outside the fund’s control.

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