Saturday 17 October 2026 Export ROOT’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 1.65%, EPS grew 13.2%, free cash flow grew 12.1% and total debt fell 1.15%, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three.

50.47 0.06 −0.12%

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Market cap: $782.6M
P/E: 13.6×
Fwd P/E: 18.1×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

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

Insider Decisions trades per month

Total sells 3.11

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	2	—	—	7	2	2	—	—	—	—	—

Insider Ownership 33.50%

Capital & Financial Ratios $m

Market Cap 782.56

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 13.60

Fwd P/E 18.10

P/S ratio 0.51

P/B ratio 2.42

Past 5Y EPS Growth —

This Y EPS Growth 94.07%

Next Y EPS Growth (46.38%)

Next Y revenue growth (28.24%)

Next 5Y EPS Growth 1.39%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 25.62%

10-year low 10-year high

P/B against its own 10 years 51.96%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	680	600	690	575
Receivables	421	481	469	443
Inventory	—	—	—	—
Other	—	—	—	—
	1,100	1,081	1,159	1,018

	2023	2024	2025	Q'26
Payables	688	871	954	1,009
ST’ Debt	—	—	—	—
Other	—	—	—	—
	688	871	954	1,009

Compound Annual Growth %

	10y	5y	3y
Sales	—	34.33%	69.63%
Cash Flow	—	0.00%	0.00%
Earnings	—	0.00%	0.00%
Book Value	—	(17.43%)	0.61%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	394	389	—	—	—
’25	349	383	388	397	1,517
’24	255	289	306	327	1,177
’23	70	75	115	195	455
’22	85	80	74	71	311
’21	69	90	94	93	345
’20	124	121	51	51	347

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	9	58	—	—	—
’25	27	52	58	70	207
’24	15	63	49	69	196
’23	(84)	(11)	15	46	(34)
’22	(51)	(54)	(59)	(47)	(211)
’21	(91)	(136)	(138)	(39)	(403)
’20	(46)	(16)	(32)	(192)	(287)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	6	54	—	—	—
’25	25	48	54	66	192
’24	12	60	47	65	184
’23	(86)	(13)	13	44	(43)
’22	(55)	(56)	(61)	(48)	(221)
’21	(93)	(138)	(140)	(43)	(415)
’20	(49)	(17)	(34)	(203)	(303)

Fiscal quarters ending in the months shown.

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	(48.33)	(18.46)	(39.57)	(12.95)	(86.51)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	244.26	51.12	4.06	3.31	7.22	68.08	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	530.64	461.34	61.02	14.80	118.15	181.14
People
People	Employees	—	—	—	—	1,007	1,571	765	680	1,021	1,256
	Revenue/emp, $m	—	—	0.00	0.00	0.34	0.22	0.41	0.67	1.15	1.21
Income, $m
Income, $m	Revenue	—	—	43	290	347	345	311	455	1,177	1,517
	Gross margin, %	—	—	(0.46)	(10.75)	(4.61)	(13.58)	(12.93)	27.19	37.70	39.08
	EBT	—	—	(69)	(282)	(363)	(521)	(298)	(147)	31	41
	EBT margin, %	—	—	(159.58)	(97.31)	(104.67)	(150.87)	(95.79)	(32.40)	2.63	2.69
	Net income	—	—	(69)	(282)	(363)	(521)	(298)	(147)	31	40
	Depreciation	—	—	1	5	16	17	14	13	15	12
Per share, $
Per share, $	Revenue	—	—	30.78	153.97	82.57	25.03	22.04	31.60	78.96	98.51
	Earnings	—	—	(49.12)	(149.83)	(86.51)	(37.95)	(21.11)	(10.24)	1.96	2.49
	Cash flow	—	—	(18.55)	(67.49)	(68.38)	(29.23)	(14.94)	(2.33)	13.13	13.41
	Capex	—	—	(2.49)	(6.42)	(3.83)	(0.81)	(0.72)	(0.65)	(0.79)	(0.92)
	Free cash flow	—	—	(21.04)	(73.91)	(72.21)	(30.04)	(15.65)	(2.99)	12.34	12.49
	Book value	—	—	0.00	98.90	245.81	46.99	27.60	19.28	21.19	25.73
	Shares, m	—	—	1	2	4	14	14	14	15	15
Valuation, ×
Valuation, ×	P/E	—	—	0.00	0.00	0.00	0.00	0.00	0.00	38.41	29.01
	P/S	—	—	2.79	2.79	3.42	2.23	0.20	0.33	0.92	0.73
	P/B	—	—	0.00	0.00	1.15	1.44	0.22	0.91	5.31	3.91
	EV/Sales	—	—	2.80	2.80	0.76	0.21	(1.31)	(0.51)	0.58	0.41
	EV/FCF	—	—	(6.59)	(6.59)	(0.89)	(0.18)	1.84	5.19	3.73	3.26
Cash, $m
Cash, $m	Operating cash flow	—	—	(26)	(127)	(287)	(403)	(211)	(34)	196	207
	Capex	—	—	(3)	(12)	(16)	(11)	(10)	(9)	(12)	(14)
	Free cash flow	—	—	(30)	(139)	(303)	(415)	(221)	(43)	184	192
Balance, $m
Balance, $m	Working capital	—	—	—	240	950	480	515	412	210	205
	Total debt	—	—	15	192	188	10	295	299	200	200
	Net debt	—	—	15	(224)	(926)	(697)	(468)	(381)	(400)	(490)
	Shareholders’ equity	—	—	—	186	1,032	648	389	278	316	396
Returns, %
Returns, %	ROA	—	—	0.00	(77.52)	(29.15)	(33.82)	(22.62)	(11.08)	2.05	2.42
	ROIC	—	—	(284.17)	0.00	(166.96)	0.00	0.00	0.00	0.00	0.00
	ROE	—	—	0.00	118.41	(110.27)	(66.43)	(73.19)	(66.58)	15.81	15.70

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ASIC Ategrity Specialty Insurance Company Holdings	$1.3B	12.3×	10.2×	+45.89% (above 0%: growing)	+75.00% (above 0%: growing)	+47.83% (above 0%: growing)	31.87%	31.28%	Compare
TRUP Trupanion, Inc.	$1.2B	52.1×	40.6×	+11.14% (above 0%: growing)	−27.27% (below 0%: shrinking)	+59.01% (above 0%: growing)	16.58%	1.62%	Compare
BOW Bowhead Specialty Holdings Inc.	$1.1B	18.5×	12.9×	+22.96% (above 0%: growing)	+33.33% (above 0%: growing)	−13.86% (below 0%: shrinking)	29.19%	13.09%	Compare
HRTG Heritage Insurance Holdings, Inc.	$1.1B	5.1×	5.1×	+2.96% (above 0%: growing)	+32.90% (above 0%: growing)	+237.57% (above 0%: growing)	50.25%	39.15%	Compare
HIPO Hippo Holdings Inc.	$930.5M	7.4×	70.4×	+23.36% (above 0%: growing)	+660.00% (above 0%: growing)	+86.85% (above 0%: growing)	100.00%	8.02%	Compare
ROOT Root, Inc.	$782.6M	13.6×	18.1×	+1.65% (above 0%: growing)	+13.24% (above 0%: growing)	+12.08% (above 0%: growing)	38.36%	8.89%
DGICA Donegal Group, Inc.	$691.1M	9.5×	10.2×	−2.44% (below 0%: shrinking)	+29.79% (above 0%: growing)	−51.37% (below 0%: shrinking)	26.73%	11.56%	Compare
AII American Integrity Insurance Group, Inc.	$542.8M	6.1×	6.1×	+54.59% (above 0%: growing)	+7.41% (above 0%: growing)	+345.10% (above 0%: growing)	56.10%	40.31%	Compare
ACIC American Coastal Insurance Corporation	$530.7M	5.3×	11.6×	−4.48% (below 0%: shrinking)	−16.36% (below 0%: shrinking)	−54.47% (below 0%: shrinking)	49.71%	37.28%	Compare
Median of peers	$1.0B	8.4×	10.9×	+17.05%	+31.35%	+53.42%	40.79%	22.19%

All 45 Insurance Property & Casualty stocks →

Root, Inc. (ROOT) key facts

Strength: Root, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 29.0% from fiscal 2024.
Root, Inc. (ROOT) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ROOT traded at $50.47, a market capitalization of $782.6 million.
Return on equity was 15.7% and debt-to-equity 0.45.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.