Root, Inc. ROOT

Financial — Insurance Property & Casualty

Cash Flow Champion (3y)

Growth Flags show if company had growth for consecutive years

Overview Business Profile Analyst Commentary Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Quarterly (Descending) Quarterly (Ascending) Annual (Descending) Annual (Ascending) TTM (Descending) TTM (Ascending)

Financial statements are limited to most recent four years or quarters for non-powerpack users

Ten years worth of data (where available), most important trends and XLS exports are available for our Powerpack users.

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18
P/E ratio	29.01	38.41	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
P/S ratio	0.73	0.92	0.33	0.20	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
P/FCF ratio	5.82	5.92	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
P/Operating CF	15.87	15.63	3.27	(1.30)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
P/B ratio	3.91	5.31	0.91	0.22	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
Price to Tangible BV	4.15	5.76	1.01	0.23	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
EV/Sales	0.41	0.58	(0.51)	(1.31)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
EV/EBITDA	8.46	7.30	2.59	1.63	‡‡‡	‡‡‡	‡‡‡	‡‡‡
EV/Operating CF	3.02	3.48	6.84	1.93	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
EV/FCF	3.26	3.73	5.19	1.84	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Quick Ratio	1.21	1.24	1.60	1.88	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	—
Current Ratio	1.21	1.24	1.60	1.88	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	—
Net Debt/EBITDA	(6.65)	(4.28)	4.29	1.88	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Debt/Assets	11.96%	13.38%	22.19%	22.50%	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Debt/Equity	0.51	0.63	1.08	0.76	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Asset Turnover	0.96	0.83	0.34	0.24	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Operating CF/Net income	5.39	6.70	0.23	0.71	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Capex/Depreciation	(1.19)	(0.79)	(0.75)	(0.73)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Depreciation/Fixed assets	0.00	0.00	0.00	1.38	‡‡‡‡	‡‡‡	‡‡‡‡	‡‡‡‡
Interest Coverage	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
ROE	15.70%	15.81%	(66.58%)	(73.19%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
ROA	2.42%	2.05%	(11.08%)	(22.62%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
ROIC	0.00%	0.00%	0.00%	0.00%	‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡
Cash ROIC	16.05%	17.53%	(2.67%)	(15.24%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Return on Tangible Assets	18.69%	13.88%	(35.74%)	(56.75%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Accounts Receivable Turnover	3.19	2.61	1.20	0.84	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
Accounts Payable Turnover	1.01	0.94	0.52	0.58	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
Inventory Turnover	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Average Days of Receivables	112.81	149.23	337.40	393.30	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Average Days of Payables	376.73	433.72	757.87	606.67	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Days of Inventory on Hand	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Research and Development Expense of Revenue	0.00%	0.00%	0.00%	0.00%	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Selling, General and Administrative Expense of Revenue	31.51%	26.49%	39.60%	53.86%	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Intangible Assets out of Total Assets	0.00	0.00	0.00	0.01	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
Share Based Compensation of Revenue	2.64%	1.57%	3.80%	9.81%	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Graham Net Nets	(0.11)	(0.09)	0.20	2.87	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Graham Number	32.16	24.11	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Earnings Yield	3.45%	2.60%	(97.71%)	(476.58%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Free Cash Flow Yield	17.18%	16.88%	(29.38%)	(363.17%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Revenue per Share	98.51	78.96	31.60	22.04	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Operating CF per Share	13.41	13.13	(2.33)	(14.94)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Capex per Share	(0.92)	(0.79)	(0.65)	(0.72)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Free Cash Flow per Share	12.49	12.34	(2.99)	(15.65)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Cash per Share	44.80	40.29	47.20	54.12	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Shareholders Equity per Share	25.73	21.19	19.28	27.60	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Interest Debt per Share	0.00	0.00	0.00	0.00	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Book value per Share	25.73	21.19	19.28	27.60	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Free Cash Flow	192.40	183.90	(43.00)	(220.70)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Working Capital	204.90	210.30	412.40	514.60	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	—
Capital Expenditures	(14.10)	(11.80)	(9.40)	(10.10)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Net Current Asset Value	(119.40)	(98.70)	30.30	174.20	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡
Average Receivables	474.95	450.80	377.75	369.40	‡‡‡‡‡	‡‡‡‡‡	—	—
Average Payables	912.45	779.45	635.65	607.20	‡‡‡‡‡	‡‡‡‡‡	—	—
Average Assets	1,585.10	1,421.70	1,330.30	1,316.10	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	—
Average Common Equity	244.00	184.70	221.40	406.75	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	—
EV/EBIT	10.08	8.68	2.27	1.55	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Capex to Sales	0.01	0.01	0.02	0.03	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Net Profit Margin	2.52%	2.48%	(32.40%)	(95.79%)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Price to Operating Income	18.00	13.78	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡

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