RYANHIGH SIGNALFINANCIAL10-K

RYAN experienced a dramatic 70.7% collapse in cash reserves from $540.2M to $158.3M while current liabilities surged 14.1%, creating a significant liquidity deterioration despite strong revenue growth.

The massive cash decline combined with rising short-term obligations signals potential liquidity stress and raises questions about cash management or large capital deployments not clearly explained in routine operations. While operating metrics improved, the balance sheet deterioration represents a material change in financial position that investors need to monitor closely.

Comparing 2026-02-13 vs 2025-02-21View on EDGAR →
FINANCIAL ANALYSIS

RYAN presents a mixed but concerning financial picture with strong operational performance overshadowed by balance sheet deterioration. Revenue grew robustly by 21.3% to $3.1B with operating income up 15.4% and operating cash flow improving 25% to $643.7M, while net income declined 33% to $63.4M due to increased financing costs or non-operating expenses. However, the company's cash position collapsed by over $380M (70.7% decline) while current liabilities increased 14.1%, creating a significant liquidity concern that outweighs the positive operational trends and demands immediate investor attention.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-70.7%
$540.2M$158.3M

Cash declined 70.7% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Net Income
P&L
-33%
$94.7M$63.4M

Net income declined 33% — review whether driven by operations, interest costs, or non-recurring items.

Operating Cash Flow
Cash Flow
+25%
$514.9M$643.7M

Operating cash flow grew 25% — strong conversion of earnings to cash, healthy business fundamentals.

Dividends Paid
Cash Flow
-23.9%
$80.2M$61.0M

Dividend reduced 23.9% — monitor management commentary on capital allocation priorities.

Revenue
P&L
+21.3%
$2.5B$3.1B

Revenue growing 21.3% — solid top-line momentum, watch margins for quality of growth.

Operating Income
P&L
+15.4%
$427.8M$493.6M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Current Liabilities
Balance Sheet
+14.1%
$4.5B$5.2B

Current liabilities rose 14.1% — increased short-term obligations, watch current ratio.

LANGUAGE CHANGES
NEW — 2026-02-13
PRIOR — 2025-02-21
ADDED
On February 9, 2026 , the Registrant had 264,189,701 shares of common stock outstanding, consisting of 129,680,816 shares of Class A common stock, $0.001 par value, and 134,508,885 shares of Class B common stock, $0.001 par value.
Adjusted Term SOFR : The interest rate per annum based on SOFR, without any credit spread adjustment, subject to a 0 basis point floor.
Class C Incentive Units : Class C common incentive units, initially of the LLC on and prior to September 30, 2021, and then subsequently of New LLC, are exchangeable into LLC Common Units.
LLC Common Units : Non-voting common interest units initially of the LLC on and prior to September 30, 2021, and then subsequently of New LLC or LLC, as the context requires.
LLC Units : Class A common units and Class B common units of the LLC prior to the Organizational Transactions.
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REMOVED
On February 17, 2025 , the Registrant had 261,905,901 shares of common stock outstanding, consisting of 125,726,294 shares of Class A common stock, $0.001 par value, and 136,179,607 shares of Class B common stock, $0.001 par value.
Adjusted Term SOFR : Prior to January 19, 2024, the interest rate per annum based on the Secured Overnight Financing Rate ( SOFR ) plus a credit spread adjustment of 10 basis points, 15 basis points, or 25 basis points for the one-month, three-month, or six-month borrowing periods, respectively, subject to a 75 basis point floor.
After January 19, 2024, the interest rate per annum based on SOFR, without any credit spread adjustment, subject to a 75 basis point floor.
After September 13, 2024, the interest rate per annum based on SOFR, without any credit spread adjustment, subject to a 0 basis point floor.
Class C Incentive Units : Class C common incentive units, initially of the LLC on and prior to September 30, 2021 and then subsequently of New LLC, that are subject to vesting and will be exchangeable into LLC Common Units.
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