Symbols / ROOT $55.47 +2.86% Root, Inc.

Financial Services • Insurance - Property & Casualty • United States • NMS
ROOT Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
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.

Fundamentals
Scroll to Statements
Market Cap 862.82M Enterprise Value 510.12M Income 38.30M Sales 1.52B Book/sh 18.34 Cash/sh 43.03
Dividend Yield — Payout 0.00% Employees 1256 IPO — P/E 23.50 Forward P/E 17.33
PEG — P/S 0.57 P/B 3.02 P/C — EV/EBITDA 7.84 EV/Sales 0.34
Quick Ratio 2.12 Current Ratio 2.45 Debt/Eq 51.63 LT Debt/Eq — EPS (ttm) 2.36 EPS next Y 3.20
EPS Growth -76.40% Revenue Growth 21.50% Earnings 2026-05-06 ROA 2.44% ROE 11.32% ROIC —
Gross Margin 39.08% Oper. Margin 2.65% Profit Margin 2.53% Shs Outstand 13.75M Shs Float 12.38M Short Float 16.70%
Short Ratio 6.22 Short Interest — 52W High 162.99 52W Low 40.91 Beta 2.90 Avg Volume 347.34K
Volume 224.42K Target Price $68.50 Recom Buy Prev Close $53.93 Price $55.47 Change 2.86%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$68.50
Mean price target
2. Current target
$55.47
Latest analyst target
3. DCF / Fair value
$108.75
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$55.47
Low
$52.00
High
$95.00
Mean
$68.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
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
2025-04-10 main Wells Fargo Equal-Weight → Equal-Weight $105
2025-03-07 main UBS Neutral → Neutral $130
News
RSS: Latest ROOT news
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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