Root/$ROOT
1D1W1MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,256
- Headquarters
- Columbus, United States
- Website
- www.joinroot.com
Root Metrics
BasicAdvanced
$812M
14.65
$3.58
2.93
-
Price and volume
Market cap
$812M
Beta
2.93
52-week high
$104.47
52-week low
$40.91
Average daily volume
253K
Financial strength
Current ratio
1.98
Quick ratio
1.638
Long term debt to equity
0.45
Total debt to equity
0.45
Interest coverage (TTM)
4.47%
Profitability
EBITDA (TTM)
91.4
Gross margin (TTM)
39.30%
Net profit margin (TTM)
3.71%
Operating margin (TTM)
5.51%
Effective tax rate (TTM)
1.45%
Revenue per employee (TTM)
$1,250,000
Management effectiveness
Return on assets (TTM)
3.31%
Return on equity (TTM)
15.37%
Valuation
Price to earnings (TTM)
14.648
Price to revenue (TTM)
0.52
Price to book
2.48
Price to tangible book (TTM)
2.48
Price to free cash flow (TTM)
4.55
Free cash flow yield (TTM)
21.98%
Free cash flow per share (TTM)
11.524
Growth
Revenue change (TTM)
14.86%
Earnings per share change (TTM)
-24.28%
3-year revenue growth (CAGR)
75.52%
3-year earnings per share growth (CAGR)
-36.82%
What the Analysts think about Root
Analyst ratings (Buy, Hold, Sell) for Root stock.
Analyst projections of the future price of Root stock.
Bulls say / Bears say
Root delivered strong profitability in Q2 2026, with net income rising 15% year-over-year to $25 million, generating approximately 31% annualized return on equity (SEC).
In Q2 2026, underwriting discipline drove net combined ratio to 92.1% from 95.2% a year earlier, reflecting enhanced loss performance and expense control (Insurance Journal).
The company extended its embedded insurance partnership with Carvana through August 2028, surpassing 200,000 policies sold and strengthening its distribution capabilities in the auto-buying journey (Root IR).
Gross written premium of $340 million and gross earned premium of $368 million in Q2 2026 declined 2% and 1% year-over-year, respectively, indicating top-line pressure from disciplined direct-channel growth (SEC).
Root cut its 2026 policies-in-force growth guidance to flat from 9% due to intense competition in the direct insurance market, signaling challenges in scaling its customer base (Thomson Reuters).
The 15% base rate reduction for Florida auto insurance premiums announced in August 2026 is expected to reduce approximately $21 million in annualized revenue, which may pressure overall growth and margins (Root IR).
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 2026.
Root Financial Performance
Revenues and expenses
Root Earnings Performance
Company profitability
Upcoming events
No upcoming events
Root News
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Funds containing Root
AllEURUSDGBP
Fund name | Fund size | $ROOT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
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.
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