Symbols / ROOT
ROOT Chart
About
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products. It operates a direct-to-consumer model; and serves customers primarily through mobile applications and its website. The company's direct distribution channels also cover digital media, independent agents, and referrals, as well as distribution partners. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Insurance - Property & C | Market Cap | 915.03M |
| Enterprise Value | 555.67M | Income | 54.10M | Sales | 1.45B |
| Book/sh | 17.10 | Cash/sh | 42.12 | Dividend Yield | — |
| Payout | 0.00% | Employees | 1021 | IPO | — |
| P/E | 17.56 | Forward P/E | 21.69 | PEG | — |
| P/S | 0.63 | P/B | 3.45 | P/C | — |
| EV/EBITDA | 6.24 | EV/Sales | 0.38 | Quick Ratio | 2.10 |
| Current Ratio | 2.42 | Debt/Eq | 53.16 | LT Debt/Eq | — |
| EPS (ttm) | 3.36 | EPS next Y | 2.72 | EPS Growth | — |
| Revenue Growth | 26.90% | Earnings | 2026-02-25 | ROA | 3.37% |
| ROE | 17.02% | ROIC | — | Gross Margin | 39.86% |
| Oper. Margin | 0.08% | Profit Margin | 3.74% | Shs Outstand | 13.70M |
| Shs Float | 12.54M | Short Float | 18.37% | Short Ratio | 8.43 |
| Short Interest | — | 52W High | 181.14 | 52W Low | 55.57 |
| Beta | 2.82 | Avg Volume | 272.14K | Volume | 5.68K |
| Target Price | $111.60 | Recom | None | Prev Close | $57.81 |
| Price | $59.00 | Change | 2.06% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$111.60
Mean price target
2. Current target
$59.00
Latest analyst target
3. DCF / Fair value
$122.08
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$59.00
Low
$75.00
High
$150.00
Mean
$111.60
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-01-13 | main | Wells Fargo | Equal-Weight → Equal-Weight | $75 |
| 2025-11-06 | main | Wells Fargo | Equal-Weight → Equal-Weight | $96 |
| 2025-10-08 | main | Wells Fargo | Equal-Weight → Equal-Weight | $89 |
| 2025-08-18 | main | UBS | Neutral → Neutral | $105 |
| 2025-08-11 | main | Jefferies | Buy → Buy | $138 |
| 2025-08-08 | main | Keefe, Bruyette & Woods | Outperform → Outperform | $165 |
| 2025-08-07 | main | Wells Fargo | Equal-Weight → Equal-Weight | $120 |
| 2025-07-10 | main | Wells Fargo | Equal-Weight → Equal-Weight | $118 |
| 2025-07-08 | main | TD Cowen | Hold → Hold | $125 |
| 2025-05-08 | main | Keefe, Bruyette & Woods | Outperform → Outperform | $170 |
| 2025-05-08 | main | Wells Fargo | Equal-Weight → Equal-Weight | $142 |
| 2025-04-22 | main | Keefe, Bruyette & Woods | Outperform → Outperform | $150 |
| 2025-04-11 | main | Jefferies | Buy → Buy | $150 |
| 2025-04-10 | main | Wells Fargo | Equal-Weight → Equal-Weight | $105 |
| 2025-03-07 | main | UBS | Neutral → Neutral | $130 |
| 2025-02-27 | main | Wells Fargo | Equal-Weight → Equal-Weight | $97 |
| 2025-01-14 | main | Wells Fargo | Equal-Weight → Equal-Weight | $80 |
| 2024-11-22 | down | JMP Securities | Market Outperform → Market Perform | — |
| 2024-11-05 | reit | Keefe, Bruyette & Woods | Outperform → Outperform | $90 |
| 2024-11-04 | main | UBS | Neutral → Neutral | $67 |
- Roots Names Rosie Pouzar Chief Commercial Officer to Drive Next Growth Phase - The Globe and Mail ue, 24 Feb 2026 15
- Why Root (ROOT) Stock Is Trading Lower Today - Yahoo Finance hu, 06 Nov 2025 08
- Influence of Rootstock on Growth, Productivity and Fruit Quality of Eureka Lemon - Citrus Industry Magazine hu, 19 Feb 2026 14
- Your Thoughts Wanted on Petitions To Deregulate GE Apple and Citrus Rootstock - Growing Produce hu, 19 Feb 2026 16
- Root stock’s 47% plunge validates InvestingPro’s overvalued call By Investing.com - Investing.com Fri, 16 Jan 2026 08
- (ROOT) Stock Market Analysis (ROOT:CA) - Stock Traders Daily Sun, 15 Feb 2026 04
- Getting to the (square) root of stock-market swings - Nature Fri, 09 Jan 2026 08
- Can Root, Inc. (ROOT) Stock Get Back to $175 in 2025? - 24/7 Wall St. ue, 23 Sep 2025 07
- Sweet cherry rootstocks for the Pacific Northwest - OSU Extension Service ue, 24 Jun 2025 17
- Root: Becoming Carvana's Auto Insurance Business - Seeking Alpha Sat, 03 Jan 2026 08
- $ROOT stock is down 19% today. Here's what we see in our data. - Quiver Quantitative hu, 07 Aug 2025 07
- 1 Insurance Stock Worth Investigating and 2 We Avoid - Finviz Wed, 11 Feb 2026 08
- 2 Reasons ROOT is Risky and 1 Stock to Buy Instead - Yahoo Finance ue, 02 Dec 2025 08
- Insider Sale: Chief Executive Officer of $ROOT Sells 406 Shares - Quiver Quantitative hu, 04 Sep 2025 07
- Will Weakness in Root, Inc.'s (NASDAQ:ROOT) Stock Prove Temporary Given Strong Fundamentals? - Yahoo Finance Wed, 17 Sep 2025 07
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 122395 | — | — | Stock Award(Grant) at price 0.00 per share. | TIMM ALEXANDER E. | Chief Executive Officer | — | 2026-02-18 00:00:00 | D |
| 1 | 62038 | — | — | Stock Award(Grant) at price 0.00 per share. | BINKLEY MEGAN | Chief Financial Officer | — | 2026-02-18 00:00:00 | D |
| 2 | 107835 | — | — | Stock Award(Grant) at price 0.00 per share. | BONAKDARPOUR MAHTIYAR | President | — | 2026-02-18 00:00:00 | D |
| 3 | 58928 | — | — | Stock Award(Grant) at price 0.00 per share. | ALLISON JONATHAN | Officer | — | 2026-02-18 00:00:00 | D |
| 4 | 6336 | 525888.0 | — | Sale at price 83.00 per share. | TIMM ALEXANDER E. | Chief Executive Officer | — | 2025-12-10 00:00:00 | D |
| 5 | 5750 | 477250.0 | — | Sale at price 83.00 per share. | BONAKDARPOUR MAHTIYAR | President | — | 2025-12-10 00:00:00 | D |
| 6 | 2505 | — | — | Stock Gift at price 0.00 per share. | ULMAN DOUG | Director | — | 2025-12-01 00:00:00 | I |
| 7 | 10861 | 965360.0 | — | Sale at price 87.89 - 90.22 per share. | TIMM ALEXANDER E. | Chief Executive Officer | — | 2025-09-02 00:00:00 | D |
| 8 | 5750 | 516005.0 | — | Sale at price 89.74 per share. | BONAKDARPOUR MAHTIYAR | President | — | 2025-09-02 00:00:00 | D |
| 9 | 2500 | 372900.0 | — | Sale at price 149.16 per share. | ALLISON JONATHAN | Officer | — | 2025-06-16 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalUnusualItems | -5.40M | 0.00 | 0.00 | -15.90M |
| TotalUnusualItemsExcludingGoodwill | -5.40M | 0.00 | 0.00 | -15.90M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 30.90M | -147.40M | -297.70M | -521.10M |
| ReconciledDepreciation | 14.90M | 12.60M | 13.80M | 16.60M |
| EBIT | 73.10M | -101.30M | -263.10M | -501.10M |
| NetInterestIncome | -42.20M | -46.10M | -34.60M | -20.00M |
| InterestExpense | 42.20M | 46.10M | 34.60M | 20.00M |
| InterestIncome | 41.50M | 32.80M | 8.10M | 3.50M |
| NormalizedIncome | 36.30M | -147.40M | -297.70M | -505.20M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 30.90M | -147.40M | -297.70M | -521.10M |
| TotalExpenses | 1.15B | 602.40M | 608.50M | 866.50M |
| DilutedAverageShares | 16.90M | 14.40M | 14.10M | 13.84M |
| BasicAverageShares | 14.90M | 14.40M | 14.10M | 13.84M |
| DilutedEPS | 1.83 | -10.24 | -21.11 | -37.62 |
| BasicEPS | 1.96 | -10.24 | -21.11 | -37.62 |
| DilutedNIAvailtoComStockholders | 30.90M | -147.40M | -297.70M | -521.10M |
| NetIncomeCommonStockholders | 30.90M | -147.40M | -297.70M | -521.10M |
| NetIncome | 30.90M | -147.40M | -297.70M | -521.10M |
| NetIncomeIncludingNoncontrollingInterests | 30.90M | -147.40M | -297.70M | -521.10M |
| NetIncomeContinuousOperations | 30.90M | -147.40M | -297.70M | -521.10M |
| TaxProvision | 0.00 | 0.00 | 0.00 | 0.00 |
| PretaxIncome | 30.90M | -147.40M | -297.70M | -521.10M |
| OtherIncomeExpense | 3.70M | 1.50M | 1.70M | 6.80M |
| SpecialIncomeCharges | -5.40M | 0.00 | 0.00 | -15.90M |
| OtherSpecialCharges | 5.40M | 15.90M | ||
| NetNonOperatingInterestIncomeExpense | -42.20M | -46.10M | -34.60M | -20.00M |
| InterestExpenseNonOperating | 42.20M | 46.10M | 34.60M | 20.00M |
| OtherOperatingExpenses | 53.30M | 44.80M | 55.50M | 65.50M |
| SellingGeneralAndAdministration | 205.30M | 132.60M | 175.40M | 367.80M |
| SellingAndMarketingExpense | 135.80M | 49.30M | 48.00M | 270.20M |
| GeneralAndAdministrativeExpense | 69.50M | 83.30M | 127.40M | 97.60M |
| OtherGandA | 69.50M | 83.30M | 127.40M | 97.60M |
| TotalRevenue | 1.18B | 455.00M | 310.80M | 345.40M |
| OperatingRevenue | 1.18B | 455.00M | 310.80M | 345.40M |
| LossAdjustmentExpense | 839.40M | 378.90M | 343.00M | 397.30M |
| NetPolicyholderBenefitsAndClaims | 839.40M | 378.90M | 343.00M | 397.30M |
| PolicyholderBenefitsGross | 937.10M | 523.40M | 586.70M | 699.80M |
| PolicyholderBenefitsCeded | 97.70M | 144.50M | 243.70M | 302.50M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| OrdinarySharesNumber | 15.10M | 14.50M | 14.20M | 14.04M |
| ShareIssued | 15.10M | 14.50M | 14.20M | 14.04M |
| TotalDebt | 200.10M | 299.00M | 295.40M | |
| TangibleBookValue | 181.70M | 146.50M | 260.80M | 523.90M |
| InvestedCapital | 403.80M | 464.70M | 572.50M | 536.40M |
| NetTangibleAssets | 181.70M | 146.50M | 260.80M | 523.90M |
| CommonStockEquity | 203.70M | 165.70M | 277.10M | 536.40M |
| TotalCapitalization | 403.80M | 464.70M | 572.50M | 536.40M |
| TotalEquityGrossMinorityInterest | 203.70M | 165.70M | 277.10M | 536.40M |
| StockholdersEquity | 203.70M | 165.70M | 277.10M | 536.40M |
| GainsLossesNotAffectingRetainedEarnings | -2.30M | -2.50M | -5.80M | 400.00K |
| OtherEquityAdjustments | -2.30M | -2.50M | -5.80M | 400.00K |
| TreasuryStock | 0.00 | |||
| RetainedEarnings | -1.68B | -1.72B | -1.57B | -1.27B |
| AdditionalPaidInCapital | 1.89B | 1.88B | 1.85B | 1.81B |
| CapitalStock | 0.00 | 0.00 | 0.00 | 0.00 |
| CommonStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 1.29B | 1.18B | 1.04B | 782.90M |
| PreferredSecuritiesOutsideStockEquity | 112.00M | 112.00M | 112.00M | 112.00M |
| LongTermDebtAndCapitalLeaseObligation | 200.10M | 299.00M | 295.40M | |
| LongTermDebt | 200.10M | 299.00M | 295.40M | |
| PayablesAndAccruedExpenses | 103.90M | 120.00M | 159.50M | 130.70M |
| CurrentAccruedExpenses | 7.90M | 7.30M | 0.00 | |
| InterestPayable | 7.90M | 7.30M | 0.00 | |
| Payables | 103.90M | 120.00M | 159.50M | 130.70M |
| AccountsPayable | 103.90M | 120.00M | 159.50M | 130.70M |
| TotalAssets | 1.50B | 1.35B | 1.31B | 1.32B |
| InvestmentsAndAdvances | 306.80M | 166.80M | 128.80M | 129.90M |
| GoodwillAndOtherIntangibleAssets | 22.00M | 19.20M | 16.30M | 12.50M |
| OtherIntangibleAssets | 22.00M | 19.20M | 16.30M | 12.50M |
| NetPPE | 1.80M | 2.80M | 5.50M | 10.30M |
| PrepaidAssets | 25.10M | 48.20M | 74.20M | 100.80M |
| Receivables | 455.90M | 372.40M | 260.70M | 303.10M |
| AccountsReceivable | 455.90M | 372.40M | 260.70M | 303.10M |
| CashCashEquivalentsAndShortTermInvestments | 906.10M | 845.50M | 890.90M | 835.90M |
| OtherShortTermInvestments | 306.80M | 166.80M | 128.80M | 129.90M |
| CashAndCashEquivalents | 599.30M | 678.70M | 762.10M | 706.00M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 183.90M | -43.00M | -220.70M | -414.60M |
| RepurchaseOfCapitalStock | -3.00M | -3.00M | -3.00M | -10.50M |
| RepaymentOfDebt | -237.10M | 0.00 | 0.00 | -199.50M |
| IssuanceOfDebt | 134.40M | 0.00 | 286.00M | 0.00 |
| IssuanceOfCapitalStock | 0.00 | 0.00 | 126.50M | |
| CapitalExpenditure | -11.80M | -9.40M | -10.10M | -11.20M |
| InterestPaidSupplementalData | 43.90M | 42.50M | 24.50M | 23.90M |
| IncomeTaxPaidSupplementalData | 0.00 | 0.00 | 0.00 | 0.00 |
| EndCashPosition | 600.30M | 679.70M | 763.10M | 707.00M |
| BeginningCashPosition | 679.70M | 763.10M | 707.00M | 1.11B |
| ChangesInCash | -79.40M | -83.40M | 56.10M | -406.80M |
| FinancingCashFlow | -120.70M | -4.10M | 283.30M | -80.30M |
| CashFlowFromContinuingFinancingActivities | -120.70M | -4.10M | 283.30M | -80.30M |
| NetOtherFinancingCharges | -15.10M | -1.10M | -1.00M | |
| ProceedsFromStockOptionExercised | 100.00K | 0.00 | 1.30M | 3.20M |
| NetPreferredStockIssuance | -3.00M | -3.00M | -3.00M | 116.00M |
| PreferredStockPayments | -3.00M | -3.00M | -3.00M | -10.50M |
| PreferredStockIssuance | 0.00 | 0.00 | 126.50M | |
| NetCommonStockIssuance | 0.00 | 0.00 | ||
| CommonStockPayments | 0.00 | 0.00 | ||
| CommonStockIssuance | 0.00 | 0.00 | ||
| NetIssuancePaymentsOfDebt | -102.70M | 0.00 | 286.00M | -199.50M |
| NetLongTermDebtIssuance | -102.70M | 286.00M | -199.50M | |
| LongTermDebtPayments | -237.10M | 0.00 | 0.00 | -199.50M |
| LongTermDebtIssuance | 134.40M | 0.00 | 286.00M | 0.00 |
| InvestingCashFlow | -154.40M | -45.70M | -16.60M | 76.90M |
| CashFlowFromContinuingInvestingActivities | -154.40M | -45.70M | -16.60M | 76.90M |
| NetInvestmentPurchaseAndSale | -142.60M | -36.30M | -6.50M | 88.10M |
| SaleOfInvestment | 55.20M | 39.70M | 41.20M | 105.10M |
| PurchaseOfInvestment | -197.80M | -76.00M | -47.70M | -17.00M |
| NetIntangiblesPurchaseAndSale | 0.00 | 0.00 | -1.30M | 0.00 |
| PurchaseOfIntangibles | 0.00 | 0.00 | -1.30M | 0.00 |
| NetPPEPurchaseAndSale | -400.00K | -200.00K | 0.00 | -4.60M |
| PurchaseOfPPE | -400.00K | -200.00K | 0.00 | -4.60M |
| CapitalExpenditureReported | -11.40M | -9.20M | -8.80M | -6.60M |
| OperatingCashFlow | 195.70M | -33.60M | -210.60M | -403.40M |
| CashFlowFromContinuingOperatingActivities | 195.70M | -33.60M | -210.60M | -403.40M |
| InterestPaidCFO | 0.00 | -20.50M | ||
| ChangeInWorkingCapital | 88.60M | 52.70M | 12.30M | 52.30M |
| ChangeInOtherCurrentLiabilities | 28.70M | 41.40M | 8.50M | 10.30M |
| ChangeInOtherCurrentAssets | -25.00M | 4.80M | -7.50M | 800.00K |
| ChangeInPayablesAndAccruedExpense | -20.30M | -37.70M | 36.10M | -6.70M |
| ChangeInPayable | -20.30M | -37.70M | 36.10M | -6.70M |
| ChangeInAccountPayable | -20.30M | -37.70M | 36.10M | -6.70M |
| ChangeInPrepaidAssets | 23.10M | 26.00M | 26.60M | 12.00M |
| ChangeInReceivables | -117.10M | -125.80M | 25.00M | -70.10M |
| ChangesInAccountReceivables | -117.10M | -125.80M | 25.00M | -70.10M |
| OtherNonCashItems | 39.00M | 13.80M | 16.50M | 16.30M |
| StockBasedCompensation | 22.30M | 34.70M | 45.00M | 28.10M |
| UnrealizedGainLossOnInvestmentSecurities | 0.00 | 0.00 | -3.80M | |
| AssetImpairmentCharge | 20.90M | |||
| DepreciationAndAmortization | 14.90M | 12.60M | 13.80M | 16.60M |
| OperatingGainsLosses | -500.00K | -2.40M | ||
| GainLossOnInvestmentSecurities | -500.00K | -2.40M | ||
| NetIncomeFromContinuingOperations | 30.90M | -147.40M | -297.70M | -521.10M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for ROOT
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|