ROOT

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Root, Inc.

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Key Metrics

Previous Close: $56.46
52-Week Range: $40.91 – $104.47
Market Cap: $889.47M
P/E (TTM): 16.04
EPS (TTM): 3.58
Dividend Yield: —

Advanced Metrics

Price/Book: 2.77
PEG Ratio: —
Return on Equity: 15.37%
Return on Assets: 3.31%
Gross Margin: 39.31%
Operating Margin: 8.89%
Profit Margin: 3.71%
Current Ratio: 1.98
Debt/Equity: 0.45
Total Debt: $197.80M
Free Cash Flow: $125.08M
Revenue Growth: 1.60%
Earnings Growth: 15.50%
Enterprise Value: $664.15M

ROOT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$310.80M	$455.00M	$1.18B	$1.52B
Selling, General & Admin	$175.40M	$132.60M	$205.30M	$271.70M
Pretax Income	-$297.70M	-$147.40M	$30.90M	$40.80M
Income Tax	$0.00	$0.00	$0.00	-$500.00K
Net Income	-$297.70M	-$147.40M	$30.90M	$40.30M
Diluted EPS	-21.11	-10.24	1.83	2.36
Diluted Shares	14.10M	14.40M	16.90M	17.10M

ROOT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$762.10M	$678.70M	$599.30M	$669.30M
Receivables	$260.70M	$372.40M	$455.90M	$462.60M
Total Assets	$1.31B	$1.35B	$1.50B	$1.67B
Long-Term Debt	$295.40M	$299.00M	$200.10M	$200.30M
Total Debt	$295.40M	$299.00M	$200.10M	$200.30M
Total Liabilities	$1.04B	$1.18B	$1.29B	$1.39B
Retained Earnings	-$1.57B	-$1.72B	-$1.68B	-$1.64B
Shareholders' Equity	$277.10M	$165.70M	$203.70M	$284.30M

ROOT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$210.60M	-$33.60M	$195.70M	$206.50M
Capital Expenditure	-$10.10M	-$9.40M	-$11.80M	-$14.10M
Free Cash Flow	-$220.70M	-$43.00M	$183.90M	$192.40M
Depreciation & Amortisation	$13.80M	$12.60M	$14.90M	$11.80M
Stock-Based Compensation	$45.00M	$34.70M	$22.30M	$59.30M
Investing Cash Flow	-$16.60M	-$45.70M	-$154.40M	-$91.70M
Financing Cash Flow	$283.30M	-$4.10M	-$120.70M	-$25.20M
Share Repurchases	-$3.00M	-$3.00M	-$3.00M	$0.00
Net Change in Cash	$56.10M	-$83.40M	-$79.40M	$89.60M

ROOT Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$349.40M	$382.90M	$387.80M	$397.00M	$393.50M
Selling, General & Admin	$72.00M	$60.70M	$66.40M	$72.60M	$51.80M
Pretax Income	$18.40M	$22.00M	-$5.00M	$5.40M	$36.10M
Income Tax	$0.00	$0.00	$400.00K	-$900.00K	-$200.00K
Net Income	$18.40M	$22.00M	-$5.40M	$5.30M	$35.90M
Diluted EPS	1.07	1.29	-0.35	0.31	2.09
Diluted Shares	17.20M	17.10M	15.40M	17.20M	17.20M

ROOT Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$609.40M	$641.40M	$653.30M	$669.30M	$597.20M
Receivables	$518.50M	$486.80M	$494.80M	$462.60M	$472.90M
Total Assets	$1.59B	$1.59B	$1.64B	$1.67B	$1.68B
Long-Term Debt	$200.00M	$200.00M	$200.40M	$200.30M	$200.30M
Total Debt	$200.00M	$200.00M	$200.40M	$200.30M	$200.30M
Total Liabilities	$1.36B	$1.34B	$1.38B	$1.39B	$1.36B
Retained Earnings	-$1.66B	-$1.64B	-$1.65B	-$1.64B	-$1.61B
Shareholders' Equity	$228.70M	$244.50M	$265.00M	$284.30M	$325.90M

ROOT Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$26.80M	$52.00M	$57.60M	$70.10M	$9.30M
Capital Expenditure	-$2.00M	-$4.00M	-$3.90M	-$4.20M	-$3.50M
Free Cash Flow	$24.80M	$48.00M	$53.70M	$65.90M	$5.80M
Depreciation & Amortisation	$2.00M	$2.00M	$4.70M	$3.10M	$3.10M
Stock-Based Compensation	$6.40M	$8.40M	$28.80M	$15.70M	$12.90M
Investing Cash Flow	-$13.80M	-$3.80M	-$41.60M	-$32.50M	-$86.60M
Financing Cash Flow	-$2.80M	-$16.20M	-$4.10M	-$2.10M	-$3.70M
Share Repurchases	—	—	$0.00	$0.00	—
Net Change in Cash	$10.20M	$32.00M	$11.90M	$35.50M	-$81.00M

Market Snapshot

About

Root is an insurance technology company that uses telematics and data science to personalize auto insurance rates. The company offers car insurance primarily through its mobile app, using smartphone telematics to measure driving behavior and price policies based on individual risk. Root aims to disrupt traditional auto insurance with a mobile-first, data-driven approach.