Symbols / ROOT Stock $57.08 -3.65% Root, Inc.

Financial Services • Insurance - Property & Casualty • United States • NMS
ROOT (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Alexander Edward Timm
Exch · Country NMS · United States
Market Cap 903.36M
Enterprise Value 607.66M
Income 55.00M
Sales 1.56B
FCF (ttm) 178.52M
Book/sh 18.34
Cash/sh 38.42
Employees 1,256
Insider 10d
IPO Oct 28, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 17.51
Forward P/E 18.41
PEG
P/S 0.58
P/B 3.11
P/C
EV/EBITDA 7.29
EV/Sales 0.39
Quick Ratio 1.74
Current Ratio 1.98
Debt/Eq 45.74
LT Debt/Eq
EPS (ttm) 3.26
EPS next Y 3.10
EPS Growth 95.30%
Revenue Growth 12.60%
EPS Gr Q/Q 95.40%
Rev Gr Q/Q
Earnings (next) 2026-08-05
Earnings (prior) 2026-05-06
ROA 3.02%
ROE 14.85%
ROIC
Gross Margin 39.48%
Oper. Margin 10.39%
Profit Margin 3.52%
Shs Outstand 14.02M
Shs Float 12.65M
Insider Own 5.82%
Instit Own 65.18%
Short Float 13.89%
Short Ratio 6.24
Short Interest 1.84M
52W High 162.99
vs 52W High -64.98%
52W Low 40.91
vs 52W Low 39.53%
Beta 2.95
Impl. Vol. 6.25%
Rel Volume 0.93
Avg Volume 349.73K
Volume 324.30K
Target (mean) $78.60
Tgt Median $71.00
Tgt Low $50.00
Tgt High $125.00
# Analysts 5
Recom Buy
Prev Close $59.24
Price $57.08
Change -3.65%
About

Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$57.08
Low
$50.00
High
$125.00
Mean
$78.60

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-11 main UBS Neutral → Neutral $50
2026-05-07 main Wells Fargo Equal-Weight → Equal-Weight $58
2026-04-09 main Wells Fargo Equal-Weight → Equal-Weight $52
2026-04-07 main Keefe, Bruyette & Woods Outperform → Outperform $95
2026-03-09 main UBS Neutral → Neutral $52
2026-02-26 main Wells Fargo Equal-Weight → Equal-Weight $70
2026-02-26 main Keefe, Bruyette & Woods Outperform → Outperform $104
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
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-07 ALLISON JONATHAN Officer 1,706 $44.35 $75,661
2026-04-02 ALLISON JONATHAN Officer 4,112 $42.33 $174,061
2026-04-01 TIMM ALEXANDER E. Chief Executive Officer 62,969
2026-04-01 BINKLEY MEGAN Chief Financial Officer 4,777
2026-04-01 BONAKDARPOUR MAHTIYAR President 43,043
2026-04-01 ALLISON JONATHAN Officer 6,442
2026-03-20 ALLISON JONATHAN Officer 3,990 $44.78 $178,672
2026-03-17 ALLISON JONATHAN Officer 3,990 $45.00 $179,550
2026-03-12 ALLISON JONATHAN Officer 3,900 $43.61 $170,079
2026-03-11 FORISH RYAN Officer 6,620 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,517.10
+28.95%
1,176.50
+158.57%
455.00
+46.40%
310.80
Operating Revenue
1,517.10
+28.95%
1,176.50
+158.57%
455.00
+46.40%
310.80
Selling General And Administration
271.70
+32.34%
205.30
+54.83%
132.60
-24.40%
175.40
Selling And Marketing Expense
174.80
+28.72%
135.80
+175.46%
49.30
+2.71%
48.00
General And Administrative Expense
96.90
+39.42%
69.50
-16.57%
83.30
-34.62%
127.40
Other Gand A
96.90
+39.42%
69.50
-16.57%
83.30
-34.62%
127.40
Other Operating Expenses
53.10
-0.38%
53.30
+18.97%
44.80
-19.28%
55.50
Total Expenses
1,476.30
+28.87%
1,145.60
+90.17%
602.40
-1.00%
608.50
Reconciled Depreciation
11.80
-20.81%
14.90
+18.25%
12.60
-8.70%
13.80
EBIT
61.80
-15.46%
73.10
+172.16%
-101.30
+61.50%
-263.10
Total Unusual Items
0.00
+100.00%
-5.40
0.00
0.00
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-5.40
0.00
0.00
Special Income Charges
0.00
+100.00%
-5.40
0.00
0.00
Other Special Charges
5.40
Net Income
40.30
+30.42%
30.90
+120.96%
-147.40
+50.49%
-297.70
Pretax Income
40.80
+32.04%
30.90
+120.96%
-147.40
+50.49%
-297.70
Net Non Operating Interest Income Expense
-21.00
+50.24%
-42.20
+8.46%
-46.10
-33.24%
-34.60
Interest Expense Non Operating
21.00
-50.24%
42.20
-8.46%
46.10
+33.24%
34.60
Net Interest Income
-21.00
+50.24%
-42.20
+8.46%
-46.10
-33.24%
-34.60
Interest Expense
21.00
-50.24%
42.20
-8.46%
46.10
+33.24%
34.60
Interest Income
40.10
-3.37%
41.50
+26.52%
32.80
+304.94%
8.10
Other Income Expense
3.40
-8.11%
3.70
+146.67%
1.50
-11.76%
1.70
Tax Provision
-0.50
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
41.30
+33.66%
30.90
+120.96%
-147.40
+50.49%
-297.70
Net Income From Continuing Operation Net Minority Interest
40.30
+30.42%
30.90
+120.96%
-147.40
+50.49%
-297.70
Net Income From Continuing And Discontinued Operation
40.30
+30.42%
30.90
+120.96%
-147.40
+50.49%
-297.70
Net Income Continuous Operations
41.30
+33.66%
30.90
+120.96%
-147.40
+50.49%
-297.70
Normalized Income
40.30
+11.02%
36.30
+124.63%
-147.40
+50.49%
-297.70
Net Income Common Stockholders
38.30
+31.16%
29.20
+119.81%
-147.40
+50.49%
-297.70
Otherunder Preferred Stock Dividend
2.00
+17.65%
1.70
Diluted EPS
2.36
+28.96%
1.83
+117.87%
-10.24
+51.49%
-21.11
Basic EPS
2.49
+27.04%
1.96
+119.14%
-10.24
+51.49%
-21.11
Basic Average Shares
15.40
+3.36%
14.90
+3.47%
14.40
+2.13%
14.10
Diluted Average Shares
17.10
+1.18%
16.90
+17.36%
14.40
+2.13%
14.10
Diluted NI Availto Com Stockholders
38.30
+31.16%
29.20
+119.81%
-147.40
+50.49%
-297.70
Loss Adjustment Expense
1,130.50
+34.68%
839.40
+121.54%
378.90
+10.47%
343.00
Net Policyholder Benefits And Claims
1,130.50
+34.68%
839.40
+121.54%
378.90
+10.47%
343.00
Policyholder Benefits Ceded
30.50
-68.78%
97.70
-32.39%
144.50
-40.71%
243.70
Policyholder Benefits Gross
1,161.00
+23.89%
937.10
+79.04%
523.40
-10.79%
586.70
Line Item Trend 2023-12-31
Total Assets
1,347.70
Cash Cash Equivalents And Short Term Investments
845.50
Cash And Cash Equivalents
678.70
Other Short Term Investments
166.80
Receivables
372.40
Accounts Receivable
372.40
Prepaid Assets
48.20
Net PPE
2.80
Goodwill And Other Intangible Assets
19.20
Other Intangible Assets
19.20
Investments And Advances
166.80
Total Liabilities Net Minority Interest
1,182.00
Payables And Accrued Expenses
120.00
Payables
120.00
Accounts Payable
120.00
Current Accrued Expenses
7.90
Long Term Debt And Capital Lease Obligation
299.00
Long Term Debt
299.00
Preferred Securities Outside Stock Equity
112.00
Stockholders Equity
165.70
Common Stock Equity
165.70
Capital Stock
0.00
Common Stock
0.00
Share Issued
14.50
Ordinary Shares Number
14.50
Treasury Shares Number
0.00
Additional Paid In Capital
1,883.40
Retained Earnings
-1,715.20
Gains Losses Not Affecting Retained Earnings
-2.50
Treasury Stock
Other Equity Adjustments
-2.50
Total Equity Gross Minority Interest
165.70
Total Capitalization
464.70
Invested Capital
464.70
Total Debt
299.00
Net Tangible Assets
146.50
Tangible Book Value
146.50
Interest Payable
7.90
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
206.50
+5.52%
195.70
+682.44%
-33.60
+84.05%
-210.60
Cash Flow From Continuing Operating Activities
206.50
+5.52%
195.70
+682.44%
-33.60
+84.05%
-210.60
Net Income From Continuing Operations
40.30
+30.42%
30.90
+120.96%
-147.40
+50.49%
-297.70
Depreciation And Amortization
11.80
-20.81%
14.90
+18.25%
12.60
-8.70%
13.80
Other Non Cash Items
36.70
-5.90%
39.00
+182.61%
13.80
-16.36%
16.50
Stock Based Compensation
59.30
+165.92%
22.30
-35.73%
34.70
-22.89%
45.00
Asset Impairment Charge
Operating Gains Losses
-0.50
Gain Loss On Investment Securities
-0.50
Unrealized Gain Loss On Investment Securities
0.00
0.00
Change In Working Capital
58.40
-34.09%
88.60
+68.12%
52.70
+328.46%
12.30
Change In Receivables
-43.40
+62.94%
-117.10
+6.92%
-125.80
-603.20%
25.00
Changes In Account Receivables
-43.40
+62.94%
-117.10
+6.92%
-125.80
-603.20%
25.00
Change In Prepaid Assets
18.80
-18.61%
23.10
-11.15%
26.00
-2.26%
26.60
Change In Payables And Accrued Expense
-27.70
-36.45%
-20.30
+46.15%
-37.70
-204.43%
36.10
Change In Payable
-27.70
-36.45%
-20.30
+46.15%
-37.70
-204.43%
36.10
Change In Account Payable
-27.70
-36.45%
-20.30
+46.15%
-37.70
-204.43%
36.10
Change In Other Current Assets
-14.60
+41.60%
-25.00
-620.83%
4.80
+164.00%
-7.50
Change In Other Current Liabilities
15.10
-47.39%
28.70
-30.68%
41.40
+387.06%
8.50
Investing Cash Flow
-91.70
+40.61%
-154.40
-237.86%
-45.70
-175.30%
-16.60
Cash Flow From Continuing Investing Activities
-91.70
+40.61%
-154.40
-237.86%
-45.70
-175.30%
-16.60
Net PPE Purchase And Sale
0.00
+100.00%
-0.40
-100.00%
-0.20
0.00
Purchase Of PPE
0.00
+100.00%
-0.40
-100.00%
-0.20
0.00
Capital Expenditure
-14.10
-19.49%
-11.80
-25.53%
-9.40
+6.93%
-10.10
Capital Expenditure Reported
-14.10
-23.68%
-11.40
-23.91%
-9.20
-4.55%
-8.80
Net Investment Purchase And Sale
-77.60
+45.58%
-142.60
-292.84%
-36.30
-458.46%
-6.50
Purchase Of Investment
-147.40
+25.48%
-197.80
-160.26%
-76.00
-59.33%
-47.70
Sale Of Investment
69.80
+26.45%
55.20
+39.04%
39.70
-3.64%
41.20
Net Intangibles Purchase And Sale
0.00
0.00
+100.00%
-1.30
Purchase Of Intangibles
0.00
0.00
+100.00%
-1.30
Financing Cash Flow
-25.20
+79.12%
-120.70
-2843.90%
-4.10
-101.45%
283.30
Cash Flow From Continuing Financing Activities
-25.20
+79.12%
-120.70
-2843.90%
-4.10
-101.45%
283.30
Net Issuance Payments Of Debt
0.00
+100.00%
-102.70
0.00
-100.00%
286.00
Issuance Of Debt
0.00
-100.00%
134.40
0.00
-100.00%
286.00
Repayment Of Debt
0.00
+100.00%
-237.10
0.00
0.00
Long Term Debt Issuance
0.00
-100.00%
134.40
0.00
-100.00%
286.00
Long Term Debt Payments
0.00
+100.00%
-237.10
0.00
0.00
Net Long Term Debt Issuance
-102.70
286.00
Net Common Stock Issuance
0.00
Common Stock Payments
0.00
Repurchase Of Capital Stock
0.00
+100.00%
-3.00
+0.00%
-3.00
+0.00%
-3.00
Proceeds From Stock Option Exercised
0.30
+200.00%
0.10
0.00
-100.00%
1.30
Net Other Financing Charges
-25.50
-68.87%
-15.10
-1272.73%
-1.10
-10.00%
-1.00
Changes In Cash
89.60
+212.85%
-79.40
+4.80%
-83.40
-248.66%
56.10
Beginning Cash Position
600.30
-11.68%
679.70
-10.93%
763.10
+7.93%
707.00
End Cash Position
689.90
+14.93%
600.30
-11.68%
679.70
-10.93%
763.10
Free Cash Flow
192.40
+4.62%
183.90
+527.67%
-43.00
+80.52%
-220.70
Interest Paid Supplemental Data
20.70
-52.85%
43.90
+3.29%
42.50
+73.47%
24.50
Income Tax Paid Supplemental Data
0.60
0.00
0.00
0.00
Common Stock Issuance
0.00
Interest Paid CFO
0.00
Issuance Of Capital Stock
0.00
0.00
Net Preferred Stock Issuance
0.00
+100.00%
-3.00
+0.00%
-3.00
+0.00%
-3.00
Preferred Stock Issuance
0.00
0.00
Preferred Stock Payments
0.00
+100.00%
-3.00
+0.00%
-3.00
+0.00%
-3.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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