There is no specific "ideal ratio" for the shape itself, other than that in English (and other words with a horizontal layout), you will generally want the following:
- Oval in shape
- Wider than it is tall
- Limited to no more than ~25 words per bubble
Avoid circular or nearly-circular speech bubbles--these have an awkward appearance and will be off-putting to viewers. Similarly, avoid rectangles unless you're doing exposition ("Five hours later..."), or have a mechanical voice of some sort ("I'm sorry, Dave, I cannot do that."); this is part of a "hidden language" that exists within comics, and readers will generally automatically understand that text in a rectangle falls into one of these categories, even if they can't put that understanding into words.
Avoid other shapes outside of specific effects. A speech balloon made up of a lot of lines might look cool to you, but it gives a "disoriented" effect ("What did I drink last night?"). One made up of spiky edges implies an exclamatory statement ("How dare you!"). A dashed outline suggests a whisper, a cloud-shaped bubble suggests a thought (or, if working in a more "manga" or Eastern-inspired style, an outline made up of numerous lines running perpendicular to what the drawn outline would normally be).
Additionally, avoid being too wordy; you don't want your bubbles to be cramped or to overwhelm the page--if it's all text, it may as well just be a novel, after all. The "25 words per bubble" guideline is a general one based on print comics passed around in the industry, and other standards do exist (DC's "35 per page" guideline, for example); in general, less is more with comics, where you want to "show" more than "tell." Tailor your own personal word limits to your specific situation. A comic structured for Webtoon, which will therefore be read on a smaller mobile screen, should aim for fewer words than one that might be in print at standard manga size, which in turn should aim for fewer than one printed in standard US comic size. Choose an appropriate clear, sans-serif font (many free options exist) and edit yourself harshly.
Now, all that said, these "rules" are more like guidelines, and like the "rules" in any form of art, once you understand them, you'll understand how and when to break them as well. But like drawing a stylized figure, you'll need to understand the underlying structure first; don't dive straight into being "unique" or "weird," get a firm grasp on "normal" first.
To get a solid handle on speech bubbles, as well as more of the implied language of comics you already understand without knowing it, I strongly recommend reading the book "Understanding Comics" by Scott McCloud, which does a fantastic job of breaking down that implied language in a very clear, understandable way. (You may also like the sequel "Making Comics," which drills deeper into some of the concepts in Understanding, but it's not necessary; the other sequel "Reinventing Comics" aged poorly and is, quite honestly, skippable.)
Sources: Understanding Comics, college-level comic production courses