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Friday 6 November 2026
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Root, Inc.
ROOT Financial Insurance Property & Casualty
Root, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 29.0% from fiscal 2024.
- Revenue
- −1.68%
- EPS
- +367.2%
- Free cash flow
- −18.1%
- Total debt
- −1.45%
Quarter to September 2026, against a year earlier
43.37
2.91
−6.29%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
7 | 7 | 4 | 5 | 2 | — | — | — |
P/E ratio |
29.01 | 38.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/S ratio |
0.73 | 0.92 | 0.33 | 0.20 | 2.23 | 3.42 | 2.79 | 2.79 |
P/FCF ratio |
5.82 | 5.92 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
15.87 | 15.63 | 3.27 | (1.30) | (19.69) | (6.17) | (32.36) | (32.36) |
P/B ratio |
3.91 | 5.31 | 0.91 | 0.22 | 1.44 | 1.15 | 0.00 | 0.00 |
Price to Tangible BV |
3.91 | 5.31 | 0.91 | 0.22 | 1.44 | 1.15 | 0.00 | 0.00 |
EV/Sales |
0.41 | 0.58 | (0.51) | (1.31) | 0.21 | 0.76 | 2.80 | 2.80 |
EV/EBITDA |
8.46 | 7.30 | 2.59 | 1.63 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
3.02 | 3.48 | 6.84 | 1.93 | (0.18) | (0.91) | (7.03) | (7.03) |
EV/FCF |
3.26 | 3.73 | 5.19 | 1.84 | (0.18) | (0.89) | (6.59) | (6.59) |
Quick Ratio |
1.21 | 1.24 | 1.60 | 1.88 | 1.76 | 2.79 | 1.70 | — |
Current Ratio |
1.21 | 1.24 | 1.60 | 1.88 | 1.76 | 2.79 | 1.70 | — |
Net Debt/EBITDA |
(6.65) | (4.28) | 4.29 | 1.88 | 1.49 | 3.43 | 0.88 | (0.22) |
Debt/Assets |
11.96% | 13.38% | 22.19% | 22.50% | 0.76% | 10.68% | 26.38% | 0.00% |
Debt/Equity |
0.51 | 0.63 | 1.08 | 0.76 | 0.02 | 0.18 | 1.03 | 0.00 |
Asset Turnover |
0.96 | 0.83 | 0.34 | 0.24 | 0.22 | 0.28 | 0.80 | 0.00 |
Operating CF/Net income |
5.39 | 6.70 | 0.23 | 0.71 | 0.77 | 0.79 | 0.45 | 0.38 |
Capex/Depreciation |
(1.19) | (0.79) | (0.75) | (0.73) | (0.67) | (1.03) | (2.47) | (5.83) |
Interest Coverage |
2.94 | 1.86 | (2.20) | (7.60) | (24.26) | (3.67) | (11.66) | (75.78) |
| 15.70% | 15.81% | (66.58%) | (73.19%) | (66.43%) | (110.27%) | 118.41% | 0.00% | |
| 2.42% | 2.05% | (11.08%) | (22.62%) | (33.82%) | (29.15%) | (77.52%) | 0.00% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | (166.96%) | 0.00% | (284.17%) |
Return on Tangible Assets |
18.69% | 13.88% | (35.74%) | (57.85%) | (108.59%) | (38.21%) | (117.47%) | 0.00% |
Average Days of Receivables |
112.81 | 149.23 | 337.40 | 393.30 | 426.82 | 387.00 | 208.03 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
31.51% | 26.49% | 39.60% | 53.86% | 107.93% | 62.40% | 70.61% | 138.11% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
2.64% | 1.57% | 3.80% | 9.81% | 5.59% | 1.07% | 0.48% | 0.23% |
Graham Net Nets |
(0.11) | (0.09) | 0.20 | 2.87 | 0.57 | 0.63 | (0.26) | (0.26) |
Graham Number |
32.16 | 24.11 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
3.45% | 2.60% | (97.71%) | (476.58%) | (67.37%) | (42.19%) | (32.54%) | (32.54%) |
Free Cash Flow Yield |
17.18% | 16.88% | (29.38%) | (363.17%) | (53.84%) | (24.79%) | (15.19%) | (15.19%) |
Revenue per Share |
98.51 | 78.96 | 31.60 | 22.04 | 25.03 | 82.57 | 153.97 | 30.78 |
Operating CF per Share |
13.41 | 13.13 | (2.33) | (14.94) | (29.23) | (68.38) | (67.49) | (18.55) |
Capex per Share |
(0.92) | (0.79) | (0.65) | (0.72) | (0.81) | (3.83) | (6.42) | (2.49) |
Free Cash Flow per Share |
12.49 | 12.34 | (2.99) | (15.65) | (30.04) | (72.21) | (73.91) | (21.04) |
Cash per Share |
44.80 | 40.29 | 47.20 | 54.12 | 51.23 | 265.19 | 221.03 | 0.00 |
Shareholders Equity per Share |
25.73 | 21.19 | 19.28 | 27.60 | 46.99 | 245.81 | 98.90 | 0.00 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
25.73 | 21.19 | 19.28 | 27.60 | 46.99 | 245.81 | 98.90 | 0.00 |
Free Cash Flow |
192.40 | 183.90 | (43.00) | (220.70) | (414.60) | (303.30) | (139.30) | (29.60) |
Working Capital |
204.90 | 210.30 | 412.40 | 514.60 | 479.90 | 950.10 | 240.40 | — |
Capital Expenditures |
(14.10) | (11.80) | (9.40) | (10.10) | (11.20) | (16.10) | (12.10) | (3.50) |
Net Current Asset Value |
(119.40) | (98.70) | 30.30 | 174.20 | 440.00 | 751.60 | 39.80 | 0.00 |
EV/EBIT |
10.08 | 8.68 | 2.27 | 1.55 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.02 | 0.03 | 0.03 | 0.05 | 0.04 | 0.08 |
Price to Operating Income |
18.00 | 13.78 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
14.96% | 16.48% | (3.42%) | (15.25%) | (30.36%) | (12.99%) | (17.52%) | (197.33%) |
Accounts Receivable Turnover |
3.19 | 2.61 | 1.20 | 0.84 | 0.90 | 1.30 | 0.00 | 0.00 |
Accounts Payable Turnover |
1.01 | 0.94 | 0.52 | 0.58 | 0.68 | 0.83 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
376.73 | 433.72 | 757.87 | 606.67 | 587.09 | 534.62 | 387.94 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
474.95 | 450.80 | 377.75 | 369.40 | 385.80 | 266.55 | — | — |
Average Payables |
912.45 | 779.45 | 635.65 | 607.20 | 581.20 | 436.50 | — | — |
Average Assets |
1,585.10 | 1,421.70 | 1,330.30 | 1,316.10 | 1,540.80 | 1,245.45 | 364.30 | — |
Average Common Equity |
244.00 | 184.70 | 221.40 | 406.75 | 784.40 | 329.20 | (238.50) | — |
Columns are period end dates · fundamentals updated 6 Nov 2026