ROOT
Root, Inc.
Price Chart
Latest Quote
$52.01
+0.18 (+0.35%)
Current Price
| Previous Close | $51.83 |
| Open | $52.13 |
| Day High | $52.20 |
| Day Low | $50.94 |
| Volume | 60,998 |
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 | $805.80M |
| P/E Ratio | 14.69 |
| EPS (TTM) | $3.54 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $592.42M |
| Sales | $1.57B |
| Income | $58.20M |
| Book/sh | $21.16 |
| Cash/sh | $38.02 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 1.64 |
| Current Ratio | 1.98 |
| Debt/Eq | 44.97 |
| EPS Growth TTM | 15.30% |
Returns & Margins
| ROA | 3.31% |
| ROE | 15.37% |
| Gross Margin | 39.31% |
| Operating Margin | 8.89% |
| Profit Margin | 3.71% |
Ownership
| Insider Ownership | 5.90% |
| Institutional Ownership | 64.70% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 17.00 |
| P/S | 0.51 |
| P/B | 2.46 |
Analyst Data
| Recommendation | none |
| Target Price | $57.00 |
Technical Indicators
| SMA20 | $49.67 |
| SMA50 | $51.67 |
| SMA200 | $54.58 |
| RSI | 69.53 |
| ATR | 1.6276 |
| Shares Float | 12.30M |
| Short Float | 16.53% |
| Short Ratio | 10.28 |
| Volatility | 2.91 |
| Rel Volume | 0.38 |
Performance History
| Week | -0.99% |
| Month | +11.30% |
| Quarter | -8.04% |
| 6 Months | -4.53% |
| YTD | -26.64% |
| Year | -31.82% |
| 3 Years | +464.10% |
| 5 Years | -43.89% |
| 10 Years | -89.30% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $52.01 | 61,011 |
| 2026-10-26 | $51.83 | 81,800 |
| 2026-10-23 | $52.88 | 182,900 |
| 2026-10-22 | $53.87 | 128,600 |
| 2026-10-21 | $52.09 | 123,800 |
| 2026-10-20 | $52.53 | 157,600 |
| 2026-10-19 | $52.32 | 210,100 |
| 2026-10-16 | $50.47 | 139,700 |
| 2026-10-15 | $50.53 | 165,100 |
| 2026-10-14 | $49.12 | 222,000 |
| 2026-10-13 | $48.75 | 186,600 |
| 2026-10-12 | $48.34 | 122,800 |
| 2026-10-09 | $49.13 | 127,100 |
| 2026-10-08 | $48.56 | 317,100 |
| 2026-10-07 | $47.74 | 147,800 |
| 2026-10-06 | $47.17 | 126,500 |
| 2026-10-05 | $47.42 | 152,600 |
| 2026-10-02 | $46.26 | 157,900 |
| 2026-10-01 | $46.21 | 192,500 |
| 2026-09-30 | $46.11 | 191,500 |
| 2026-09-29 | $46.02 | 236,100 |
| 2026-09-28 | $46.73 | 205,500 |
About Root, Inc.
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.
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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: 2026-10-22
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: 2026-10-22
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: 2026-10-22