Root/$ROOT
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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
Headquarters
Website
Root Metrics
BasicAdvanced
$1.2B
16.13
$4.73
2.25
-
Price and volume
Market cap
$1.2B
Beta
2.25
52-week high
$181.14
52-week low
$37.74
Average daily volume
491K
Financial strength
Current ratio
2.477
Quick ratio
2.129
Long term debt to equity
56.129
Total debt to equity
56.129
Interest coverage (TTM)
4.07%
Profitability
EBITDA (TTM)
123.6
Gross margin (TTM)
40.27%
Net profit margin (TTM)
5.98%
Operating margin (TTM)
8.83%
Revenue per employee (TTM)
$1,340,000
Management effectiveness
Return on assets (TTM)
4.88%
Return on equity (TTM)
27.53%
Valuation
Price to earnings (TTM)
16.133
Price to revenue (TTM)
0.847
Price to book
4.8
Price to tangible book (TTM)
4.8
Price to free cash flow (TTM)
6.26
Free cash flow yield (TTM)
15.97%
Free cash flow per share (TTM)
12.185
Growth
Revenue change (TTM)
59.76%
Earnings per share change (TTM)
-182.54%
3-year revenue growth (CAGR)
56.98%
3-year earnings per share growth (CAGR)
-45.92%
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
Root Earnings Performance
Company profitability
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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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Root stock?
Root (ROOT) has a market cap of $1.2B as of October 26, 2025.
What is the P/E ratio for Root stock?
The price to earnings (P/E) ratio for Root (ROOT) stock is 16.13 as of October 26, 2025.
Does Root stock pay dividends?
No, Root (ROOT) stock does not pay dividends to its shareholders as of October 26, 2025.
When is the next Root dividend payment date?
Root (ROOT) stock does not pay dividends to its shareholders.
What is the beta indicator for Root?
Root (ROOT) has a beta rating of 2.25. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.