Root/$ROOT

13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX

About Root

Root Inc develops and launches a direct-to-consumer personal automobile insurance and mobile technology company. It generates revenue from the sales of auto insurance policies within the United States.

Ticker

$ROOT
Sector
Primary listing

Employees

1,021

Root Metrics

BasicAdvanced
$1.3B
18.35
$4.73
2.25
-

What the Analysts think about Root

Analyst ratings (Buy, Hold, Sell) for Root stock.

Bulls say / Bears say

Root posted Q2 2025 net income of $22 million, marking its fourth consecutive quarter of profitability with a net combined ratio of 95.2%, showing greater underwriting discipline. (InsuranceJournal)
New business written via the partnership channel nearly tripled year-over-year in Q2 2025, representing 44% of new business and confirming the effectiveness of Root’s diversified distribution strategy. (InsuranceJournal)
At the end of Q2 2025, Root reported $641.4 million in cash and investments and $314 million in unencumbered capital, supporting its ability to fund growth without recurring capital raises. (Nasdaq)
Policies in force grew just 0.4% sequentially in Q2 2025, signaling a slowdown in growth from the direct channel and possible saturation in Root’s core market. (Nasdaq)
Root lowered its external reinsurance cession to 4.9% of gross premiums in Q2 2025 from 15.1% a year ago. While this raises underwriting income, it also exposes the company to higher volatility and increased capital needs. (Panabee)
Management indicated it expects a non-cash expense of $16–18 million in Q3 2025 tied to a partnership warrant agreement, which could pressure short-term profitability. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.

Root Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Root Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

Buy $ROOT

Sign up or log in to buy
Capital at risk
Market closed

Upcoming events

No upcoming events
FAQs