Root, Inc. ROOT R2K
Financial Services · Insurance - Property & Casualty · United States
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
READ MORE ›$52.06
-60.26% 1Y
Market & Price
Market Cap
$823.92M
Current Price
$52.06
High / Low (52W)
$155.53 / $43.21
Beta
2.95
Valuation
Stock P/E
15.40
Industry PE
12.01
Forward P/E
17.07
PEG Ratio
-
Book Value
$18.34
Price to Book
2.84
P/S
0.53
EV/EBITDA
6.33
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
14.85%
ROA
3.02%
Profit Margin
3.52%
Op Margin
10.39%
EPS (Latest Qtr)
$2.09
EPS (TTM)
$3.38
Balance Sheet & Liquidity
Debt/Equity
0.46
Quick Ratio
1.74
Current Ratio
1.98
Debt
$200.30M
Total Assets
$1.67B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
5.81%
Chg in Prom Hold
-
FII / Inst Holding
65.50%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$528.22M
Total Revenue (TTM)
$1.56B
EBITDA
$83.40M
Free Cash Flow
$178.52M
Operating Cash Flow
$189.00M
Shares Outstanding
14.02M
Gross Margin
39.48%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
69.63%
Profit 5Y
37.85%
Revenue (YoY)
12.60%
Earnings (YoY)
95.30%
PROS
- Compounding revenue at 69.6% over 5 years.
- Profit CAGR of 37.8% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 66.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ROOT Root, Inc. R2K | 52.06 | 15.40 | $823.92M | - | - | 14.85% | 69.63% | 37.85% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 41.40M | 62.70M | 79.60M | 106.50M | 124.00M | 121.40M | 50.50M | 50.90M | 68.60M | 89.80M | 93.80M | 85.40M | 80.40M | 73.70M | 71.30M | 70.10M | 74.80M | 115.30M | 254.90M | 289.20M | 305.70M | 349.40M | 382.90M | 387.80M | 397.00M | 393.50M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | -99.90M | -31.20M | -65.70M | - | -94.30M | -172.10M | -126.90M | -72.00M | -86.30M | -57.10M | -47.70M | -29.80M | -25.20M | -34.00M | 5.40M | 3.80M | 34.40M | 23.70M | 27.30M | 300.00K | 10.50M | 40.90M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.30M | 5.30M | 5.30M | 5.10M | 4.80M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.40M | 22.00M | -5.00M | 5.40M | 36.10M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 400.00K | -900.00K | -200.00K |
| Net Income | -49.70M | -47.30M | -100.20M | -85.20M | -105.60M | -38.90M | -85.20M | -133.30M | -99.60M | -178.60M | -133.00M | -77.50M | -95.50M | -66.40M | -58.30M | -40.90M | -36.70M | -45.80M | -6.20M | -7.80M | 22.80M | 18.40M | 22.00M | -5.40M | 5.30M | 35.90M |
| Diluted EPS | - | - | - | - | - | -1.03 | -2.20 | - | -0.40 | -0.72 | -9.57 | -5.54 | -6.77 | -4.71 | -4.13 | -2.88 | -2.55 | -3.16 | -0.42 | -0.52 | 1.35 | 1.07 | 1.29 | -0.35 | 0.31 | 2.09 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 43.30M | 290.20M | 346.80M | - | 310.80M | 455.00M | 1.18B | 1.52B |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | -260.10M | -285.30M | - | -263.10M | -101.30M | 73.10M | 61.80M |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | 34.60M | 46.10M | 42.20M | 21.00M |
| Pretax Income | - | - | - | - | -297.70M | -147.40M | 30.90M | 40.80M |
| Tax Provision | - | - | - | - | 0 | 0 | 0 | -500.00K |
| Net Income | -69.10M | -282.40M | -363.00M | - | -297.70M | -147.40M | 30.90M | 40.30M |
| Diluted EPS | - | -8.33 | -86.43 | - | -21.11 | -10.24 | 1.83 | 2.36 |
Compounded Sales Growth
| 5 Years: | 69.63% |
| 1 Year: | 12.60% |
Compounded Profit Growth
| 5 Years: | 37.85% |
| 1 Year: | 95.30% |
Stock Price Performance
| 1 Year: | -60.26% |
| 6 Months: | -34.05% |
| 3 Months: | +0.35% |
| 1 Month: | +0.30% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 728.60M | 1.76B | - | - | - | - | 1.31B | 1.35B | 1.50B | 1.67B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 391.70M | 1.11B | - | - | - | - | 762.10M | 678.70M | 599.30M | 669.30M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | 260.70M | 372.40M | 455.90M | 462.60M |
| Total Liabilities | - | - | 542.20M | 729.90M | - | - | - | - | 1.04B | 1.18B | 1.29B | 1.39B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 192.20M | 188.20M | - | - | - | - | 295.40M | 299.00M | 200.10M | 200.30M |
| Total Debt | - | - | - | - | - | - | - | - | 295.40M | 299.00M | 200.10M | 200.30M |
| Total Equity | -33.60M | -102.70M | -374.00M | 1.03B | - | 467.60M | 381.30M | 321.80M | 277.10M | 165.70M | 203.70M | 284.30M |
| Shares Outstanding | - | - | - | - | - | - | - | - | 14.20M | 14.50M | 15.10M | 15.51M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -26.10M | -127.20M | -287.20M | - | -210.60M | -33.60M | 195.70M | 206.50M |
| Investing Cash Flow | -20.60M | -114.00M | -114.10M | - | -16.60M | -45.70M | -154.40M | -91.70M |
| Financing Cash Flow | 150.90M | 535.50M | 1.10B | - | 283.30M | -4.10M | -120.70M | -25.20M |
| Capital Expenditure | -1.20M | -6.60M | -1.80M | - | -10.10M | -9.40M | -11.80M | -14.10M |
| Free Cash Flow | -27.30M | -133.80M | -289.00M | - | -220.70M | -43.00M | 183.90M | 192.40M |
| Net Change in Cash | - | - | - | - | 56.10M | -83.40M | -79.40M | 89.60M |
| Share Buybacks | 0 | 0 | 200.00K | 0 | 0 | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - |
| Operating Margin % | - | -89.6% | -82.3% | - | -84.7% | -22.3% | 6.2% | 4.1% |
| Net Margin % | -159.6% | -97.3% | -104.7% | - | -95.8% | -32.4% | 2.6% | 2.7% |
| ROE % | 67.3% | 75.5% | -35.2% | - | -107.4% | -89.0% | 15.2% | 14.2% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
5.81%
Institutions
65.50%
Public Float
69.54%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Ribbit Management Company, LLC | 8.79% | 1.23M | $64.17M |
| 2 | T. Rowe Price Investment Management, Inc. | 8.45% | 1.19M | $61.69M |
| 3 | Blackrock Inc. | 7.49% | 1.05M | $54.68M |
| 4 | Vanguard Capital Management LLC | 3.68% | 516.63K | $26.90M |
| 5 | Capital Research Global Investors | 3.40% | 477.12K | $24.84M |
| 6 | Findell Capital Management LLC | 2.67% | 375.00K | $19.52M |
| 7 | Geode Capital Management, LLC | 2.28% | 319.53K | $16.63M |
| 8 | State Street Corporation | 1.90% | 265.94K | $13.84M |
| 9 | Galileo (ptc) Ltd | 1.80% | 252.67K | $13.15M |
| 10 | Renaissance Technologies, LLC | 1.70% | 238.78K | $12.43M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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