Root, Inc. (ROOT) stock price, financials & research

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GoAI snapshot

Jul 10, 2026

49/ 100

GoAI Score

Hold

Valuation

80

Undervalued

Sentiment

59

Mixed

Risk

82

Extreme Risk

Momentum

47

Neutral

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Root, Inc. operates within the United States, concentrating on delivering a range of insurance solutions, including policies for automobiles, residential properties, and rental occupancy. The company employs a direct-to-consumer business model, primarily connecting with its customers via user-friendly mobile applications and its official website. Its comprehensive distribution network also incorporates various other digital platforms, media campaigns, referral initiatives, and collaborations with external partners and independent agencies. Established in 2015, the firm's corporate headquarters are situated in Columbus, Ohio.

Industry: Insurance - Property & Casualty
Sector: Financial Services
Headquarters: US
CEO: Alexander Edward Timm
Listed since: Oct 28, 2020
Employees: 1,256

Market position

Day range

Current $47.74

$46.7429$48.415

52-week range

Current $47.74

$40.91$91.00

Open: $47.25
Previous close: $47.17
Volume: 147.82K; 0.61× average
Average volume: 241.15K; Average daily volume
Market cap: 669.32M USD
Beta: 2.91; Market reference 1
50-day average: $52.7286; -9.46% below average
200-day average: $56.3222; -15.24% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 630.97M USD
P/E (TTM): 12.87×
P/B (TTM): 2.29×
P/S (TTM): 0.43×
EV / EBITDA: 8.57×
Earnings yield: 3.60%
Free cash flow yield: 17.19%
Dividend yield: 0.00%

Profitability & efficiency

Gross margin: 31.54%
Operating margin: 3.96%
Net margin: 3.90%
Return on equity: 10.17%
Return on assets: 2.62%
Return on invested capital: 3.54%

Financial health

Debt / equity: 0.95×
Current ratio: 2.62×
Altman Z-score: 0.45
Piotroski F-score: 6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

1.52B USD+28.95%

Operating income

40.8M USD+32.04%

Net income

40.3M USD+30.42%

Financial statements: Income statement
Metric (USD)	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	1.52B USD	1.18B USD	455M USD	310.8M USD	345.4M USD
Cost of goods sold	1.13B USD	839.4M USD	378.9M USD	343M USD	397.3M USD
Gross profit	386.6M USD	337.1M USD	76.1M USD	−32.2M USD	−51.9M USD
Selling, general, and administrative	271.7M USD	205.3M USD	132.6M USD	175.4M USD	367.8M USD
Operating expenses	345.8M USD	306.2M USD	223.5M USD	265.5M USD	469.2M USD
Interest income	40.1M USD	41.5M USD	32.8M USD	8.1M USD	3.5M USD
Interest expense	21M USD	42.2M USD	46.1M USD	34.6M USD	20M USD
Depreciation and amortization	11.8M USD	14.9M USD	12.6M USD	13.8M USD	16.6M USD
Operating income	40.8M USD	30.9M USD	−147.4M USD	−297.7M USD	−521.1M USD
Net income	40.3M USD	30.9M USD	−147.4M USD	−297.7M USD	−521.1M USD

Company facts updated Oct 8, 2026.

Earnings

EPS beat rate: 100%; 11 beats, 0 misses, 0 met estimates
Average EPS surprise: +188.35%; 11 comparable reports
Latest EPS result: 1.49; Estimate 0.83 · Beat by 79.95%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Latest fiscal-year EPS: 2.24; FY2025 · +22.40% year over year
Latest fiscal-year revenue: 1.52B USD; FY2025 · +28.95% year over year
Next fiscal-year EPS consensus: 4.54; FY2026 · 2 analysts
Next fiscal-year revenue consensus: 1.55B USD; FY2026 · 3 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$54.00

13.11% upside

Past 12 months12-month forecastHigh $58.00Average $54.00Low $50.00

Rating distribution

14 ratings

Strong buy00%

Buy214%

Hold1071%

Sell214%

Strong sell00%

Recent analyst actions

8 institutions

CitigroupmaintainNeutralFeb 23, 2024

Cantor FitzgeraldupgradeNeutralOverweightFeb 22, 2024

ROOT news

globenewswire.comOct 7, 2026

Root, Inc. Schedules Conference Call to Discuss Third Quarter 2026 Financial Results

COLUMBUS, Ohio, Oct. 07, 2026 (GLOBE NEWSWIRE) -- Root, Inc. (NASDAQ: ROOT), the leading technology company in car insurance, today announced its plans to host a conference call on Wednesday, November 4, 2026 at 5:00…

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zacks.comSep 24, 2026

Here's Why Root, Inc. (ROOT) is a Strong Growth Stock

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

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zacks.comSep 22, 2026

Root Extends Carvana Deal Through 2028 to Support Embedded Growth

Root extends its exclusive Carvana insurance deal through at least August 2028, strengthening embedded distribution as Direct competition intensifies.

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zacks.comSep 22, 2026

Should Investors Buy ROOT as Profitability Improves but Growth Slows?

ROOT's underwriting and EBITDA improved in the first half of 2026, but slower premium growth and rising loss costs complicate its profitable growth path.

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zacks.comSep 22, 2026

ROOT Falls 12% in a Month Amid Slower Growth and Rising Claims Risk

ROOT shares fell 12% in a month as premium growth slowed and loss costs rose, while profitability held up and a new pricing model targets 2027.

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defenseworld.netSep 21, 2026

Root, Inc. (NASDAQ:ROOT) Receives Average Rating of “Hold” from Analysts

Root, Inc. (NASDAQ: ROOT - Get Free Report) has been assigned a consensus rating of "Hold" from the seven brokerages that are currently covering the firm, Marketbeat.com reports. One equities research analyst has rated…

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