EquitableRyan Specialty

Equitable vs Ryan Specialty

Equitable and Ryan Specialty are compared on business models, financial performance, and market context, using clear, accessible language. This page outlines how each company approaches underwriting, ...

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BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.

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Navigating Retirement State By State

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A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

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Investment Analysis

Equitable

Pros

  • Equitable Holdings has a strong capital position with pro forma holdco cash of $1.1 billion supporting shareholder value and strategic initiatives.
  • The company leads the fast-growing Registered Index-Linked Annuity market, positioning for substantial growth in retirement solutions.
  • Recent acquisitions like Stifel Independent Advisors (~$9 billion AUM) and strong organic growth rates in Wealth Management indicate robust business expansion.

Considerations

  • The stock's price-to-earnings ratio is relatively high at 35.46, suggesting valuation may be stretched compared to forward PE of 6.72, adding uncertainty.
  • Equitable is undergoing strategic divestitures, including the sale of 75% of its Protection business, which could reshape the financial landscape with transitional risks.
  • Recent short-term price volatility and declining volumes may signal potential trend shifts, introducing caution for near-term stock performance.
Ryan Specialty

Pros

  • Ryan Specialty demonstrated strong third-quarter 2025 performance with 25% total revenue growth and 15% organic growth amid a challenging market.
  • The company is executing well on strategic investments in broking, underwriting talent, and technology to sustain long-term competitive positioning.
  • Ryan Specialty’s diverse product offerings and durable business model provide resilience and growth potential in specialty insurance markets.

Considerations

  • Ryan Specialty's price-to-earnings ratio is very high at over 113, indicating an expensive valuation that may limit upside.
  • The specialty insurance sector can be cyclically sensitive, exposing Ryan Specialty to underwriting and market risks that could impact profitability.
  • Continued investment spending, while strategic, could pressure short-term earnings and pose execution risks if market conditions worsen.

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