S&P 500 7,686.14 â–ŧ 25.62 (-0.33%) DOW 53,185.90 â–ŧ 374.10 (-0.70%) NASDAQ 26,370.89 â–ŧ 31.53 (-0.12%) US Markets Closed â€ĸ 01:46 AM ET

ROOT

Root, Inc.

Price Chart
Latest Quote

$55.49

-0.94 (-1.67%)
Current Price
Previous Close $56.43
Open $56.43
Day High $56.43
Day Low $54.47
Volume 188,316
Fetched: 2026-09-01T05:46:48
Stock Information
Shares Outstanding 13.69M
Total Debt $197.80M
Cash Equivalents $520.40M
Revenue $1.57B
Net Income $58.20M
Sector Financial Services
Industry Insurance - Property & Casualty
Market Cap $859.72M
P/E Ratio 15.50
EPS (TTM) $3.58
Exchange NMS
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📊 Comprehensive Analysis
Company Data
Enterprise Value$649.12M
Sales$1.57B
Income$58.20M
Book/sh$20.76
Cash/sh$38.02
Employees1K
Financial Ratios
Quick Ratio1.64
Current Ratio1.98
Debt/Eq44.97
EPS Growth TTM15.30%
Returns & Margins
ROA3.31%
ROE15.37%
Gross Margin39.31%
Operating Margin8.89%
Profit Margin3.71%
Ownership
Insider Ownership5.90%
Institutional Ownership64.80%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E19.68
P/S0.55
P/B2.67
Analyst Data
Recommendationhold
Target Price$60.20
Technical Indicators
SMA20$54.38
SMA50$56.88
SMA200$60.09
RSI54.03
ATR2.7216
Shares Float12.30M
Short Float14.59%
Short Ratio7.06
Volatility2.93
Rel Volume0.64
Performance History
Week-0.54%
Month-4.39%
Quarter+6.59%
6 Months+6.96%
YTD-21.73%
Year-37.61%
3 Years+463.35%
5 Years-45.44%
10 Years-88.58%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-08-31 $55.49 188,400
2026-08-27 $55.04 117,400
2026-08-26 $58.19 162,500
2026-08-25 $57.70 146,800
2026-08-24 $56.54 146,600
2026-08-21 $55.79 313,900
2026-08-20 $57.41 244,600
2026-08-19 $56.46 264,300
2026-08-18 $52.29 345,400
2026-08-17 $49.70 407,600
2026-08-14 $51.45 179,300
2026-08-13 $49.83 272,900
2026-08-12 $48.27 382,000
2026-08-11 $51.59 350,000
2026-08-10 $53.44 364,100
2026-08-07 $51.50 543,900
2026-08-06 $50.51 879,200
2026-08-05 $60.28 258,300
2026-08-04 $59.12 151,400
2026-08-03 $57.07 211,100
Period:
Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $1,517,100,000 $1,176,500,000 $455,000,000 $310,800,000
Operating Revenue $1,517,100,000 $1,176,500,000 $455,000,000 $310,800,000
Expenses
Interest Expense $21,000,000 $42,200,000 $46,100,000 $34,600,000
Total Expenses $1,476,300,000 $1,145,600,000 $602,400,000 $608,500,000
Other Income Expense $3,400,000 $3,700,000 $1,500,000 $1,700,000
Net Non Operating Interest Income Expense $-21,000,000 $-42,200,000 $-46,100,000 $-34,600,000
Interest Expense Non Operating $21,000,000 $42,200,000 $46,100,000 $34,600,000
Other Operating Expenses $53,100,000 $53,300,000 $44,800,000 $55,500,000
Selling And Marketing Expense $174,800,000 $135,800,000 $49,300,000 $48,000,000
General And Administrative Expense $96,900,000 $69,500,000 $83,300,000 $127,400,000
Loss Adjustment Expense $1,130,500,000 $839,400,000 $378,900,000 $343,000,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $40,300,000 $30,900,000 $-147,400,000 $-297,700,000
Net Interest Income $-21,000,000 $-42,200,000 $-46,100,000 $-34,600,000
Interest Income $40,100,000 $41,500,000 $32,800,000 $8,100,000
Normalized Income $40,300,000 $36,300,000 $-147,400,000 $-297,700,000
Net Income From Continuing And Discontinued Operation $40,300,000 $30,900,000 $-147,400,000 $-297,700,000
Net Income Common Stockholders $38,300,000 $29,200,000 $-147,400,000 $-297,700,000
Net Income $40,300,000 $30,900,000 $-147,400,000 $-297,700,000
Net Income Including Noncontrolling Interests $41,300,000 $30,900,000 $-147,400,000 $-297,700,000
Net Income Continuous Operations $41,300,000 $30,900,000 $-147,400,000 $-297,700,000
Pretax Income $40,800,000 $30,900,000 $-147,400,000 $-297,700,000
Special Income Charges $0 $-5,400,000 $0 $0
Per Share
Diluted EPS $2.36 $1.83 $-10.24 $-21.11
Basic EPS $2.49 $1.96 $-10.24 $-21.11
Other
Tax Effect Of Unusual Items $0 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $0 $-5,400,000 $0 $0
Total Unusual Items Excluding Goodwill $0 $-5,400,000 $0 $0
Reconciled Depreciation $11,800,000 $14,900,000 $12,600,000 $13,800,000
EBIT $61,800,000 $73,100,000 $-101,300,000 $-263,100,000
Diluted Average Shares $17,100,000 $16,900,000 $14,400,000 $14,100,000
Basic Average Shares $15,400,000 $14,900,000 $14,400,000 $14,100,000
Diluted NI Availto Com Stockholders $38,300,000 $29,200,000 $-147,400,000 $-297,700,000
Otherunder Preferred Stock Dividend $2,000,000 $1,700,000 - -
Tax Provision $-500,000 $0 $0 $0
Selling General And Administration $271,700,000 $205,300,000 $132,600,000 $175,400,000
Other Gand A $96,900,000 $69,500,000 $83,300,000 $127,400,000
Net Policyholder Benefits And Claims $1,130,500,000 $839,400,000 $378,900,000 $343,000,000
Policyholder Benefits Gross $1,161,000,000 $937,100,000 $523,400,000 $586,700,000
Policyholder Benefits Ceded $30,500,000 $97,700,000 $144,500,000 $243,700,000
Other Special Charges - $5,400,000 - -
Fetched: 2026-08-11
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $256,700,000 $181,700,000 $146,500,000 $260,800,000
Total Assets $1,674,500,000 $1,495,700,000 $1,347,700,000 $1,312,900,000
Goodwill And Other Intangible Assets $27,600,000 $22,000,000 $19,200,000 $16,300,000
Other Intangible Assets $27,600,000 $22,000,000 $19,200,000 $16,300,000
Prepaid Assets $6,300,000 $25,100,000 $48,200,000 $74,200,000
Receivables $462,600,000 $455,900,000 $372,400,000 $260,700,000
Accounts Receivable $462,600,000 $455,900,000 $372,400,000 $260,700,000
Cash Cash Equivalents And Short Term Investments $1,056,300,000 $906,100,000 $845,500,000 $890,900,000
Cash And Cash Equivalents $669,300,000 $599,300,000 $678,700,000 $762,100,000
Debt
Total Debt $200,300,000 $200,100,000 $299,000,000 $295,400,000
Long Term Debt And Capital Lease Obligation $200,300,000 $200,100,000 $299,000,000 $295,400,000
Long Term Debt $200,300,000 $200,100,000 $299,000,000 $295,400,000
Liabilities
Total Liabilities Net Minority Interest $1,390,200,000 $1,292,000,000 $1,182,000,000 $1,035,800,000
Payables And Accrued Expenses $76,600,000 $103,900,000 $120,000,000 $159,500,000
Payables $76,600,000 $103,900,000 $120,000,000 $159,500,000
Accounts Payable $76,600,000 $103,900,000 $120,000,000 $159,500,000
Interest Payable - - $7,900,000 $7,300,000
Equity
Common Stock Equity $284,300,000 $203,700,000 $165,700,000 $277,100,000
Total Equity Gross Minority Interest $284,300,000 $203,700,000 $165,700,000 $277,100,000
Stockholders Equity $284,300,000 $203,700,000 $165,700,000 $277,100,000
Gains Losses Not Affecting Retained Earnings $3,900,000 $-2,300,000 $-2,500,000 $-5,800,000
Other Equity Adjustments $3,900,000 $-2,300,000 $-2,500,000 $-5,800,000
Retained Earnings $-1,641,600,000 $-1,681,900,000 $-1,715,200,000 $-1,567,800,000
Preferred Securities Outside Stock Equity $112,000,000 $112,000,000 $112,000,000 $112,000,000
Other
Ordinary Shares Number $15,508,961 $15,100,000 $14,500,000 $14,200,000
Share Issued $15,508,961 $15,100,000 $14,500,000 $14,200,000
Tangible Book Value $256,700,000 $181,700,000 $146,500,000 $260,800,000
Invested Capital $484,600,000 $403,800,000 $464,700,000 $572,500,000
Total Capitalization $484,600,000 $403,800,000 $464,700,000 $572,500,000
Additional Paid In Capital $1,922,000,000 $1,887,900,000 $1,883,400,000 $1,850,700,000
Capital Stock $0 $0 $0 $0
Common Stock $0 $0 $0 $0
Investments And Advances $387,000,000 $306,800,000 $166,800,000 $128,800,000
Net PPE $1,200,000 $1,800,000 $2,800,000 $5,500,000
Other Short Term Investments $387,000,000 $306,800,000 $166,800,000 $128,800,000
Treasury Shares Number - - $0 -
Current Accrued Expenses - - $7,900,000 $7,300,000
Treasury Stock - - - -
Fetched: 2026-08-11
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $192,400,000 $183,900,000 $-43,000,000 $-220,700,000
Operating Activities
Operating Cash Flow $206,500,000 $195,700,000 $-33,600,000 $-210,600,000
Cash Flow From Continuing Operating Activities $206,500,000 $195,700,000 $-33,600,000 $-210,600,000
Operating Gains Losses - - - $-500,000
Investing Activities
Capital Expenditure $-14,100,000 $-11,800,000 $-9,400,000 $-10,100,000
Investing Cash Flow $-91,700,000 $-154,400,000 $-45,700,000 $-16,600,000
Cash Flow From Continuing Investing Activities $-91,700,000 $-154,400,000 $-45,700,000 $-16,600,000
Capital Expenditure Reported $-14,100,000 $-11,400,000 $-9,200,000 $-8,800,000
Financing Activities
Repurchase Of Capital Stock $0 $-3,000,000 $-3,000,000 $-3,000,000
Financing Cash Flow $-25,200,000 $-120,700,000 $-4,100,000 $283,300,000
Cash Flow From Continuing Financing Activities $-25,200,000 $-120,700,000 $-4,100,000 $283,300,000
Net Other Financing Charges $-25,500,000 $-15,100,000 $-1,100,000 $-1,000,000
Net Preferred Stock Issuance $0 $-3,000,000 $-3,000,000 $-3,000,000
Issuance Of Capital Stock - - $0 $0
Preferred Stock Issuance - - $0 $0
Net Common Stock Issuance - - - $0
Common Stock Issuance - - - $0
Other
Repayment Of Debt $0 $-237,100,000 $0 $0
Issuance Of Debt $0 $134,400,000 $0 $286,000,000
Interest Paid Supplemental Data $20,700,000 $43,900,000 $42,500,000 $24,500,000
Income Tax Paid Supplemental Data $600,000 $0 $0 $0
End Cash Position $689,900,000 $600,300,000 $679,700,000 $763,100,000
Beginning Cash Position $600,300,000 $679,700,000 $763,100,000 $707,000,000
Changes In Cash $89,600,000 $-79,400,000 $-83,400,000 $56,100,000
Proceeds From Stock Option Exercised $300,000 $100,000 $0 $1,300,000
Preferred Stock Payments $0 $-3,000,000 $-3,000,000 $-3,000,000
Net Issuance Payments Of Debt $0 $-102,700,000 $0 $286,000,000
Long Term Debt Payments $0 $-237,100,000 $0 $0
Long Term Debt Issuance $0 $134,400,000 $0 $286,000,000
Net Investment Purchase And Sale $-77,600,000 $-142,600,000 $-36,300,000 $-6,500,000
Sale Of Investment $69,800,000 $55,200,000 $39,700,000 $41,200,000
Purchase Of Investment $-147,400,000 $-197,800,000 $-76,000,000 $-47,700,000
Net PPE Purchase And Sale $0 $-400,000 $-200,000 $0
Purchase Of PPE $0 $-400,000 $-200,000 $0
Change In Working Capital $58,400,000 $88,600,000 $52,700,000 $12,300,000
Change In Other Current Liabilities $15,100,000 $28,700,000 $41,400,000 $8,500,000
Change In Other Current Assets $-14,600,000 $-25,000,000 $4,800,000 $-7,500,000
Change In Payables And Accrued Expense $-27,700,000 $-20,300,000 $-37,700,000 $36,100,000
Change In Payable $-27,700,000 $-20,300,000 $-37,700,000 $36,100,000
Change In Account Payable $-27,700,000 $-20,300,000 $-37,700,000 $36,100,000
Change In Prepaid Assets $18,800,000 $23,100,000 $26,000,000 $26,600,000
Change In Receivables $-43,400,000 $-117,100,000 $-125,800,000 $25,000,000
Changes In Account Receivables $-43,400,000 $-117,100,000 $-125,800,000 $25,000,000
Other Non Cash Items $36,700,000 $39,000,000 $13,800,000 $16,500,000
Stock Based Compensation $59,300,000 $22,300,000 $34,700,000 $45,000,000
Depreciation And Amortization $11,800,000 $14,900,000 $12,600,000 $13,800,000
Net Income From Continuing Operations $40,300,000 $30,900,000 $-147,400,000 $-297,700,000
Net Long Term Debt Issuance - $-102,700,000 - $286,000,000
Net Intangibles Purchase And Sale - $0 $0 $-1,300,000
Purchase Of Intangibles - $0 $0 $-1,300,000
Unrealized Gain Loss On Investment Securities - - $0 $0
Common Stock Payments - - - $0
Interest Paid Cfo - - - $0
Gain Loss On Investment Securities - - - $-500,000
Asset Impairment Charge - - - -
Fetched: 2026-08-11