Root/$ROOT
1D1W1M3M6MYTD1Y5YMAX
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
$663M
9.18
$4.75
3.04
-
Price and volume
Market cap
$663M
Beta
3.04
52-week high
$87.40
52-week low
$40.91
Average daily volume
189K
Financial strength
Current ratio
2.137
Quick ratio
1.79
Long term debt to equity
0.45
Total debt to equity
0.45
Interest coverage (TTM)
5.86%
Profitability
EBITDA (TTM)
109.3
Gross margin (TTM)
39.44%
Net profit margin (TTM)
4.95%
Operating margin (TTM)
6.68%
Effective tax rate (TTM)
0.74%
Revenue per employee (TTM)
$1,240,000
Management effectiveness
Return on assets (TTM)
3.94%
Return on equity (TTM)
19.85%
Valuation
Price to earnings (TTM)
9.176
Price to revenue (TTM)
0.435
Price to book
2.04
Price to tangible book (TTM)
2.04
Price to free cash flow (TTM)
4.029
Free cash flow yield (TTM)
24.82%
Free cash flow per share (TTM)
10.83
Growth
Revenue change (TTM)
7.89%
Earnings per share change (TTM)
42.24%
3-year revenue growth (CAGR)
67.61%
3-year earnings per share growth (CAGR)
-27.77%
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 returned to quarterly net profit of $14.4 million, while its net combined ratio improved to 97.2% from 102.1% a year earlier. That points to stronger underwriting profitability, not just revenue growth. (StockTitan)
Partnership and independent-agent new writings grew 19% year on year and made up 52% of total new writings, up from 44%. The shift offers Root a growing route to customers beyond its direct channel. (StockTitan)
Root completed a new pricing model that it expects to improve risk selection, and began deploying it in the fourth quarter. If it performs as intended, it could help the insurer offer more competitive prices without giving up its target returns. (StockTitan)
Gross written premiums fell 8% year on year and earned premiums fell 5%; policies in force were up only 4% year on year and flat sequentially. Management expects year-end policy numbers to remain broadly around the third-quarter level, pointing to weak near-term growth. (StockTitan)
The gross accident-period loss ratio rose to 61.1% from 56.5% a year earlier, and management expects typical seasonal claims pressures to push it towards the top of its 60%–65% target range in the fourth quarter. That leaves less room for underwriting error if claims costs rise further. (The Motley Fool)
Large insurers increased advertising and cut prices, and Root said it gave up some direct-channel policy growth when the expected returns did not meet its threshold. If that competitive pressure persists, disciplined underwriting may keep Root from growing quickly in its main direct channel. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 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
Fund name | Fund size | $ROOT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $4.7B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $4.7B | 0.02% |
iShares MSCI World Small Cap€IUSN | $9B | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
iShares MSCI World Small Cap$WSML | $9B | 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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