ROOT
Root, Inc.
$49.13
+0.57
(+1.17%)
Mkt Cap
688.81M
Volume
127,058
52W Range
40.91-91
Sector
Financial Services
Beta
2.91
EPS (TTM)
3.71 USD
P/E Ratio
13.24
Revenue (TTM)
1.57B USD
Rev Growth (5Y)
+34.3%
EPS Growth (5Y)
N/A
AlphaVal · Fair Value
What we estimate one share is worth
$18.23
Overvalued
strong signal
169.6% above fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality could not find usable underwriting data (premiums earned and losses incurred) for this company — some insurance brokers and other fee-based businesses never report this and may stay ungradable permanently; a genuine insurer without it yet may become gradable once more data is available.
Company Description
Root, Inc. operates within the United States, concentrating on delivering a range of insurance solutions, including policies for automobiles, residential properties, and rental occupancy. The company employs a direct-to-consumer business model, primarily connecting with its customers via user-friendly mobile applications and its official website. Its comprehensive distribution network also incorporates various other digital platforms, media campaigns, referral initiatives, and collaborations with external partners and independent agencies. Established in 2015, the firm's corporate headquarters are situated in Columbus, Ohio.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.52B | 1.18B | 455.00M | 310.80M | 345.40M | 346.80M | 290.20M | 43.30M |
| Net Income | 40.30M | 30.90M | (147.40M) | (297.70M) | (521.10M) | (363.00M) | (282.40M) | (69.10M) |
| EPS | 2.49 | 1.96 | -10.24 | -21.11 | -37.62 | -86.43 | -24.83 | -6.08 |
| Free Cash Flow | 192.40M | 183.90M | (43.00M) | (220.70M) | (414.60M) | (303.30M) | (139.30M) | (29.60M) |
| FCF / Share | 12.41 | 12.34 | -2.99 | -15.65 | -29.95 | -21.85 | -9.89 | -16.70 |
| Operating CF | 206.50M | 195.70M | (33.60M) | (210.60M) | (403.40M) | (287.20M) | (127.20M) | (26.10M) |
| Total Assets | 1.54B | 1.32B | 1.17B | 1.09B | 1.06B | 1.52B | 685.90M | 187.10M |
| Total Debt | 201.30M | 202.30M | 299.30M | 298.60M | 14.10M | 178.00M | 191.30M | 14.90M |
| Cash & Equiv | 689.90M | 600.30M | 679.70M | 763.10M | 707.00M | 1.11B | 416.60M | 122.30M |
| Book Value | 396.30M | 315.70M | 277.70M | 389.10M | 648.40M | 1.03B | 186.40M | 86.90M |
| Return on Equity | 0.10 | 0.10 | -0.53 | -0.77 | -0.80 | -0.35 | -1.52 | -0.80 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 389.20M | 393.50M | 397.00M | 387.80M | 382.90M | 349.40M | 326.70M | 305.70M | 289.20M | 254.90M | 194.80M | 115.30M |
| Net Income | 25.40M | 35.90M | 5.30M | (5.40M) | 22.00M | 18.40M | 22.10M | 22.80M | (7.80M) | (6.20M) | (24.00M) | (45.80M) |
| EPS | 1.54 | 2.19 | 0.33 | -0.35 | 1.36 | 1.15 | 1.38 | 1.45 | -0.52 | -0.42 | -1.64 | -3.16 |
| Free Cash Flow | 53.80M | 5.80M | 65.90M | 53.70M | 48.00M | 24.80M | 64.80M | 47.00M | 59.90M | 12.20M | 44.00M | 12.60M |
| FCF / Share | 3.43 | 0.37 | 4.25 | 3.49 | 3.12 | 1.63 | 4.29 | 3.13 | 4.02 | 0.84 | 3.01 | 0.87 |
| Operating CF | 57.50M | 9.30M | 70.10M | 57.60M | 52.00M | 26.80M | 69.20M | 49.40M | 62.60M | 14.50M | 46.10M | 14.60M |
| Total Assets | 1.67B | 1.56B | 1.54B | 1.49B | 1.43B | 1.41B | 1.32B | 1.36B | 1.29B | 1.24B | 1.17B | 1.07B |
| Total Debt | 310.80M | 200.30M | 201.30M | 196.80M | 196.60M | 196.50M | 202.30M | 293.30M | 292.60M | 291.80M | 299.30M | 290.40M |
| Cash & Equiv | 509.60M | 608.90M | 689.90M | 654.40M | 642.50M | 610.50M | 600.30M | 675.80M | 668.20M | 641.50M | 679.70M | 636.30M |
| Book Value | 327.90M | 437.90M | 396.30M | 377.00M | 356.50M | 340.70M | 315.70M | 293.90M | 263.30M | 277.70M | 277.70M | 289.10M |
| Return on Equity | 0.08 | 0.08 | 0.01 | -0.01 | 0.06 | 0.05 | 0.07 | 0.08 | -0.03 | -0.02 | -0.09 | -0.16 |
ROOT News
5 Insurers to Focus on as Embedded Insurance Gains Momentum
Root, Inc. Schedules Conference Call to Discuss Third Quarter 2026 Financial Results
Here's Why Root, Inc. (ROOT) is a Strong Growth Stock
Root Extends Carvana Deal Through 2028 to Support Embedded Growth
Should Investors Buy ROOT as Profitability Improves but Growth Slows?
ROOT Falls 12% in a Month Amid Slower Growth and Rising Claims Risk
Root, Inc. (NASDAQ:ROOT) Receives Average Rating of “Hold” from Analysts
ROOT's Partnership Strategy Push Could Unlock Profitable Growth
Root to Participate in Upcoming Investor Conferences
Root Insurance and Carvana Extend Embedded Insurance Agreement