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Root, Inc. ROOT

Financial — Insurance Property & Casualty
Cash Flow Champion (3y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
3.11
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 2 — — 7 2 2 — — — —
Insider Ownership
33.50%

Capital & Financial Ratios

Market Cap
805.33
Revenue
1,567.50
Net Income
61.20
Free Cash Flow
179.20
Net Debt
(377.00)
Current Ratio
1.01
Debt/Equity
0.45
P/E ratio
13.69
P/S ratio
0.51
P/B ratio
2.43
Past 5Y EPS Growth
(15.84%)
This Y EPS Growth
89.82%
Next Y EPS Growth
(45.98%)
Next 5Y EPS Growth
0.95%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2025 ‡‡‡
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 679.70 600.30 689.90 574.80
Receivables 420.60 481.00 468.90 442.90
Inventory — — — —
Other — — — —
1,100.30 1,081.30 1,158.80 1,017.70
2023 2024 2025 Q'26
Payables 687.90 871.00 953.90 1,008.70
ST’ Debt — — — —
Other — — — —
687.90 871.00 953.90 1,008.70
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡ ‡‡‡
Earnings — ‡‡‡ ‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 393.50 389.20 — —
—
’25 349.40 382.90 387.80 397.00
1,517.10
’24 254.90 289.20 305.70 326.70
1,176.50
’23 70.10 74.80 115.30 194.80
455.00
’22 85.40 80.40 73.70 71.30
310.80
’21 68.60 89.80 93.80 93.20
345.40
’20 124.00 121.40 50.50 50.90
346.80
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 9.30 57.50 — —
—
’25 26.80 52.00 57.60 70.10
206.50
’24 14.50 62.60 49.40 69.20
195.70
’23 (83.70) (10.60) 14.60 46.10
(33.60)
’22 (51.20) (53.70) (59.00) (46.70)
(210.60)
’21 (90.90) (135.60) (137.80) (39.10)
(403.40)
’20 (46.20) (16.20) (32.40) (192.40)
(287.20)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 5.80 53.80 — —
—
’25 24.80 48.00 53.70 65.90
192.40
’24 12.20 59.90 47.00 64.80
183.90
’23 (86.20) (13.40) 12.60 44.00
(43.00)
’22 (55.20) (56.30) (61.10) (48.10)
(220.70)
’21 (92.90) (138.30) (140.20) (43.20)
(414.60)
’20 (48.90) (17.40) (34.10) (202.90)
(303.30)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.09 1.49 — —
—
’25 1.07 1.29 (0.35) 0.31
2.36
’24 (0.42) (0.52) 1.35 1.30
1.83
’23 (2.88) (2.55) (3.16) (1.64)
(10.24)
’22 (5.40) (6.47) (4.54) (4.13)
(21.11)
’21 (7.19) (12.95) (9.53) (7.91)
(37.95)
’20 — — (39.57) (12.95)
(86.51)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 4.06 3.31 7.22 68.08 — — —
Low Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 61.02 14.80 118.15 181.14 — — —
High Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 765 680 1,021 1,256 — — —
Employees
— — ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.41 0.67 1.15 1.21 — — —
Revenue/Emp
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 310.80 455.00 1,176.50 1,517.10 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (12.93%) 27.19% 37.70% 39.08% — — —
Gross Margin
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (297.70) (147.40) 30.90 40.80 — — —
EBT
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (95.79%) (32.40%) 2.63% 2.69% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (297.70) (147.40) 30.90 40.30 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.80 12.60 14.90 11.80 — — —
Depreciation
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.04 31.60 78.96 98.51 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (21.11) (10.24) 1.96 2.49 ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (14.94) (2.33) 13.13 13.41 — — —
Cash Flow/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.72) (0.65) (0.79) (0.92) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (15.65) (2.99) 12.34 12.49 — — —
Free CF/Sh
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.60 19.28 21.19 25.73 — — —
Book Value/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.10 14.40 14.90 15.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— — ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 38.41 29.01 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.20 0.33 0.92 0.73 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— — ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.22 0.91 5.31 3.91 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.31) (0.51) 0.58 0.41 ‡‡‡‡ ‡‡‡‡ ‡‡‡
EV/Sales
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.84 5.19 3.73 3.26 — — —
EV/FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (210.60) (33.60) 195.70 206.50 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (10.10) (9.40) (11.80) (14.10) — — —
Capex
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (220.70) (43.00) 183.90 192.40 — — —
FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 514.60 412.40 210.30 204.90 — — —
Working Cap'
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 295.40 299.00 200.10 200.30 — — —
Total Debt
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (467.70) (380.70) (400.20) (489.60) — — —
Net Debt
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 389.10 277.70 315.70 396.30 — — —
Sh' Equity
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (22.62%) (11.08%) 2.05% 2.42% — — —
ROA
— — ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡ 0.00% 0.00% 0.00% 0.00% — — —
ROIC
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (73.19%) (66.58%) 15.81% 15.70% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Root, Inc. (ROOT) is scripting an electrifying insurtech comeback, transforming from a 2020 SPAC hype machine that soared to $530 before crashing to $4 amid underwriting losses and economic headwinds, into a 2024 profitability powerhouse. Revenue rocketed 159% to $1.176 billion last year, fueled by smarter scaling, telematics-driven risk pricing, and gross margins leaping to 37.7%—flipping years of red ink into the company’s first annual profit of $31 million and explosive free cash flow of $184 million. Shares surged over 700% from 2023 lows to triple-digit highs, rewarding operational grit in a Darwinian market where rivals faltered.

Yet, this turnaround tale brims with upside potential amid guardrails: efficiency metrics like revenue per employee doubled to $1.15 million, debt stabilized, and analysts forecast 100%+ average price target upside, with PS ratios near 1x forward looking like a steal for a data-moat disruptor eyeing EV shifts and expansion. Insider selling and a projected 2025 revenue dip add caution, but Root’s pivot to sustainable growth screams sequel potential for bold investors chasing the next leg up in profitable innovation.

Read full commentary →

Root, Inc. (ROOT) Latest News

News by impact score

Fine-tune

9 Sep

4 , 12:20 PM
Root Inc. advances partnership strategy to drive profitable growth. Partnership push targets major growth and performance gains for Root.

1 Sep

3 , 4:05 PM
Root Insurance extends embedded insurance agreement with Carvana. Extended Carvana partnership supports Root's embedded auto insurance distribution and revenue potential.

27 Aug

3 , 4:05 PM
Root reduces auto insurance rates by 15% in Florida, citing impact of legal reforms. Florida rate reduction enables Root to expand customer base while legal reforms reduce underlying risks.

22 Aug

3 , 2:09 AM
Root (ROOT) stock fair value drops after analysts cut price targets and reset growth projections. Analyst target cuts and growth reset directly lower valuation expectations and near-term sentiment for Root.

12 Aug

4 transcript www.fool.com, 5:59 PM
Root Inc. (ROOT) released its Q2 2026 earnings call transcript covering quarterly financial results, operational metrics, and management outlook. Q2 2026 earnings and guidance can materially shift investor views and stock price trajectory.

3 , 9:05 AM
Root partners with TheZebra.com to expand consumer and independent agent access to personalized insurance options. Partnership broadens distribution channels but does not alter core operations or market trajectory.

11 Aug

4 www.fool.com, 10:43 AM
Root projects 2026 growth as its AI-driven telematics model scales through embedded growth partnerships. AI telematics scaling via partnerships signals major strategic expansion for Root's core insurance operations.

6 Aug

3 www.thestreet.com, 5:00 PM
Root Inc. posted a 15% rise in Q2 profit driven by pricing discipline. Profit growth signals improved results but does not signal major strategic or competitive shifts.

3 transcript app.moby.co, 8:30 AM
Root, Inc. discussed Q2 2026 financial results, growth strategies and market outlook during its earnings call. Q2 earnings call provides updates on financials that moderately influence stock performance and company trajectory.

3 , 1:03 AM
Root Inc reported Q2 2026 earnings call highlights showing strategic discipline as the driver of profitability. Earnings call focus on strategic discipline indicates moderate influence on Root's financial performance and market position.

3 transcript www.marketbeat.com, 12:03 AM
Root Inc. released Q2 earnings call highlights covering financial results, growth metrics, and operational updates. Q2 earnings highlights can moderately affect near-term stock sentiment and valuation through disclosed performance data.

5 Aug

3 , 6:43 PM
Root reports Q2 CY2026 sales below analyst estimates, triggering 11.1% stock drop. Quarterly sales miss triggers immediate stock reaction but does not signal major strategic or competitive changes.

3 , 4:25 PM
Root, Inc. announced its 2026 second quarter results. Quarterly results release can shift near-term stock sentiment without altering long-term trajectory.

28 Jul

3 , 8:55 AM
Root (ROOT) encounters near-term industry headwinds while retaining long-term growth potential. Near-term headwinds create moderate pressure on operations and sentiment but long-term potential limits overall trajectory shift.

22 Jul

3 , 9:14 AM
Root launches behavior-based car insurance in New Jersey, expanding footprint to 37 states. New Jersey launch adds one state to Root's footprint and supports incremental revenue growth in core auto insurance.

8 Jul

4 , 9:00 AM
Root partners with Jerry to deliver fully embedded, end-to-end car insurance experience. Partnership expands Root's distribution channels and embedded insurance capabilities.

3 , 11:16 PM
Root (ROOT) partners with Jerry to embed car insurance directly inside the Jerry app. Partnership expands Root distribution via Jerry app integration without altering core operations.

4 Jun

4 GlobeNewswire, 4:05 PM
Root partners with Hugo to expand access to affordable car insurance for drivers seeking greater flexibility. Partnership represents major strategic expansion of Root's market reach and insurance offerings.

7 May

4 transcript www.fool.com, 1:11 PM
Root (ROOT) released the transcript of its Q1 2026 earnings call. Earnings call transcripts reveal quarterly financial results, operational updates, and future guidance that significantly impact stock performance and investor outlook.

4 app.moby.co, 8:30 AM
Root, Inc. released Q1 2026 earnings call summary detailing financial performance, operational updates, and future outlook. Q1 earnings call summary discloses financial results and guidance that significantly shape investor sentiment and company trajectory.

4 www.marketbeat.com, 12:08 AM
Root, Inc. (ROOT) Q1 earnings call highlights key financial results, operational updates, strategic initiatives, and forward guidance. Q1 earnings highlights detail significant financial performance and strategic shifts poised to alter ROOT's trajectory and investor sentiment.

6 May

4 GlobeNewswire, 4:15 PM
Root, Inc. announced first quarter 2026 results. Quarterly earnings announcements deliver key financial metrics that significantly influence stock price and investor expectations for future performance.

4 GlobeNewswire, 4:05 PM
Root, Inc. (ROOT) lowers its cost of capital through refinancing and announces a $75 million share repurchase program. Refinancing reduces cost of capital for better financial efficiency, and $75 million share repurchase signals strong confidence and supports stock price.

3 StockStory, 6:44 PM
Root (NASDAQ:ROOT) missed Q1 CY2026 sales expectations, but its stock soared 7.1%. Missing sales targets signals financial pressure, but the 7.1% stock surge suggests balanced market optimism on other factors.

4 May

3 Simply Wall St., 9:27 AM
Root Inc. (NASDAQ:ROOT) earnings are evaluated to determine if they merit investor attention amid analysis of financial performance and future prospects. Earnings directly affect Root's financial performance and investor sentiment but are balanced by market factors.

29 Apr

4 GlobeNewswire, 9:00 AM
Root Insurance launches 24-hour agent appointment program, setting new industry standard for speed. 24-hour agent appointments accelerate recruitment and distribution, strengthening Root's competitive positioning and growth potential.

23 Apr

4 GlobeNewswire, 9:05 AM
Root, Inc. (ROOT) and Freeway Insurance announce a partnership to expand integrated coverage options. Partnership expands coverage options, strengthening Root's competitive position and growth potential.

17 Apr

4 247wallst.com, 2:10 PM
Carvana stock rose 7% on a new partnership with Root, Inc. and revenue surge, but debt concerns continue to temper optimism among skeptics. Partnership with Carvana provides Root significant strategic access to used auto sales channel, boosting growth prospects and investor interest.

14 Apr

4 GlobeNewswire, 9:00 AM
Root Insurance and Carvana surpass 200,000 policies through their pioneering embedded insurance partnership. Surpassing 200,000 policies via Carvana partnership drives major growth in Root's policy base and validates embedded insurance strategy.

9 Apr

4 www.marketbeat.com, 9:19 AM
Root, Inc. (ROOT) released highlights from its Q4 earnings call, covering financial results, guidance, and strategic updates. Q4 earnings call highlights detail financial performance and forward guidance, poised to significantly sway investor sentiment and stock trajectory.
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