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
$1.6B
21.36
$4.73
2.26
-
Price and volume
Market cap
$1.6B
Beta
2.26
52-week high
$181.14
52-week low
$36.87
Average daily volume
640K
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)
21.355
Price to revenue (TTM)
1.121
Price to book
6.36
Price to tangible book (TTM)
6.36
Price to free cash flow (TTM)
8.287
Free cash flow yield (TTM)
12.07%
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 a $22 million profit for Q2 2025, a nearly $30 million year-over-year turnaround, and now has four straight profitable quarters.
Root’s gross accident period loss ratio was 60% in Q2 2025, while its net combined ratio improved by eight points year-over-year to reach 95%, highlighting stronger underwriting.
Root’s partnership channel new writings nearly tripled year-over-year in Q2 2025, demonstrating the effectiveness of its multi-state distribution strategy.
Growth in policies in force slowed, increasing just 0.4% quarter-over-quarter to 455,493 in Q2 2025, despite 12% growth year-over-year, pointing to possible saturation in Root’s direct channel.
Management anticipates near-term net income headwinds in the second half of 2025 due to increased technology investments and a $16–$18 million non-cash warrant expense expected in Q3.
Other insurance expenses—primarily partnership channel commissions—rose 70.5% quarter-over-quarter in Q2 2025, reflecting higher customer acquisition costs that could impact underwriting margins.
Data summarised monthly by Lightyear AI. Last updated on 2 Sept 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 $1.6B as of September 19, 2025.
What is the P/E ratio for Root stock?
The price to earnings (P/E) ratio for Root (ROOT) stock is 21.36 as of September 19, 2025.
Does Root stock pay dividends?
No, Root (ROOT) stock does not pay dividends to its shareholders as of September 19, 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 2.26. 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.