ROOT - NASDAQ

Root, Inc.

Root, Inc.

ROOTยทNASDAQ

$52.55

-5.7%
Financial ServicesInsurance - Property & Casualty

Root, Inc. provides insurance products and services in the United States. The company offers automobile, homeowners, and renters insurance products. The company operates a direct-to-consumer model and serves customers primarily through mobile applications, as well as through its website. Its direct distribution channels also cover digital, media, and referral channels, as well as distribution partners and agencies. The company was incorporated in 2015 and is headquartered in Columbus, Ohio.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$736.76M
EPS2.4900
P/E Ratio21.10
Earnings Date08/05/2026
Root, Inc.

Root, Inc. Fair Value Envelope

ROOT ยท NASDAQ

Our analysis suggests that ROOT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $52.5502, this represents a potential HIDDEN relative to our calculated worth for Root, Inc..

HIDDEN
Intrinsic Value
Current Price: $52.5502

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4.2B
+ Cash & Equivalents$689.9M
Firm Value$4.9B
- Debt$201.3M
Equity Value$4.7B
/ Shares Outstanding13,702,700B
DCF Value$345
UNDERVALUED BY 556%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$216.0M
$226.0M
$236.5M
$247.4M
$258.8M
$270.8M
$283.3M
$296.4M
$310.1M
$324.5M
Maintenance CapEx
-$3.0M
-$3.1M
-$3.2M
-$3.4M
-$3.5M
-$3.7M
-$3.9M
-$4.0M
-$4.2M
-$4.4M
Owner Earnings
$213.1M
$222.9M
$233.2M
$244.0M
$255.3M
$267.1M
$279.5M
$292.4M
$305.9M
$320.0M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$197.3M
$191.1M
$185.2M
$179.4M
$173.8M
$168.3M
$163.1M
$158.0M
$153.0M
$148.2M
Terminal Value represents 59.5% of Enterprise Value

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Snapshot

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2

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3

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4

Earnings Call

Read management commentary and compare it with reported outcomes.

5

Dividends

Check payout sustainability and long-term distribution behavior.

6

Analyst Expectations

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