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%
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

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% (at or above 15%: strong)
Next Y EPS Growth (46.38%) (below 0%: weak)
Next Y revenue growth (28.24%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Root, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

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.

Root, Inc. (ROOT) Latest News

12 Aug

Impact 4 · transcript

7 May

16 Mar

4 Feb

stockrow.com/ROOT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com